It goes without saying that auto insurance companies don’t want their policyholders to compare prices. Consumers who perform rate comparisons will most likely switch auto insurance companies because they have a good chance of finding a policy with better rates. A study discovered that consumers who did price comparisons regularly saved about $3,400 over four years compared to people who don’t regularly compare prices.
If finding the most affordable insurance in Durham is the reason you’re here, learning how to find companies and compare insurance rates can make it easier to shop your coverage around.
The easiest way to get cheaper car insurance rates in Durham is to start comparing prices yearly from insurance carriers that insure vehicles in North Carolina. You can compare rates by following these steps.
First, it will benefit you to learn about how companies set rates and the things you can change to lower rates. Many rating criteria that increase rates such as traffic violations and a less-than-favorable credit history can be controlled by making lifestyle changes or driving safer.
Second, get rate quotes from direct, independent, and exclusive agents. Exclusive and direct companies can only quote rates from a single company like Progressive and State Farm, while independent agencies can quote rates for a wide range of companies.
Third, compare the new rate quotes to the price on your current policy to see if a cheaper price is available in Durham. If you can save some money and change companies, make sure the effective date of the new policy is the same as the expiration date of the old one.
A good tip to remember is that you use identical deductibles and limits on every quote and and to look at as many companies as you can. This helps ensure a level playing field and the best rate selection.
Companies offering Isuzu Rodeo insurance in Durham
The car insurance companies shown below have been selected to offer comparison quotes in North Carolina. If your goal is to find cheaper car insurance in Durham, we suggest you get rates from several of them in order to find the lowest rates.
Affordable rates with discounts
Auto insurance is expensive, but you might find some hidden discounts to cut the cost considerably. Certain credits will be shown at the time you complete a quote, but a few need to be asked about before you will receive the discount. If you’re not getting every credit you qualify for, you could be paying more than you need to.
- Driver Safety – Passing a defensive driver course could cut 5% off your bill and easily recoup the cost of the course.
- Anti-lock Brakes – Cars, trucks, and SUVs with anti-lock braking systems can stop better under adverse conditions and the ABS can save up to 10%.
- E-sign Discounts – A few larger online companies will give a small break for completing your application on their website.
- Save with a New Car – Buying a new car instead of a used Rodeo can get you a discount since new vehicles are generally safer.
- Claim-Free Discount – Claim-free drivers can earn big discounts as opposed to insureds who have frequent claims or accidents.
- Senior Discount – If you’re over the age of 55, you could receive lower premium rates.
- No Charge for an Accident – Not necessarily a discount, but a handful of insurance companies may permit one accident before hitting you with a surcharge if you are claim-free for a certain period of time.
- Full Payment Discount – If you pay your entire premium ahead of time rather than spreading payments over time you could save up to 5%.
You should keep in mind that most credits do not apply to your bottom line cost. The majority will only reduce individual premiums such as comp or med pay. Despite the appearance that having all the discounts means you get insurance for free, auto insurance companies aren’t that generous. But any discount will lower your auto insurance premiums.
For a list of companies that offer many of these discounts in North Carolina, follow this link.
The Isuzu Rodeo Insurance Rate Equation
Many different elements are part of the equation when you get a price on insurance. Some of the criteria are obvious like a motor vehicle report, although others are less apparent like where you live and annual miles driven. One of the most helpful ways to save on insurance is to to have a grasp of some of the things that help determine the level of your policy premiums. If you have some idea of what impacts premium levels, this allows you to make educated decisions that can earn you lower insurance prices.
Annual mileage and car insurance costs – The more you drive your Isuzu annually the more you will pay for insurance. Most insurance companies charge rates partially by how you use the vehicle. Cars left parked in the garage receive better premium rates than those that get driven frequently. An incorrectly rated Rodeo can result in significantly higher rates. Ask your agent if your declarations sheet shows the correct driver usage, because it can save money.
You might get higher premiums if you are single – Having a significant other helps lower the price on your insurance policy. It means you’re more mature and statistics show married couples file fewer claims.
What are good liability coverage limits? – Liability coverage will afford coverage in the event that you are found liable for damages from an accident. It provides legal defense coverage starting from day one. This coverage is very inexpensive compared to comp and collision, so drivers should carry high limits.
Improve your credit score – Having a bad credit rating can be an important factor in calculating your premium rate. Consumers who have very good credit scores tend to be more responsible than drivers with poor credit scores. If your credit score is low, you could save money insuring your Isuzu Rodeo by improving your rating.
Performance affects rates – The make and model of the car, truck or SUV you need insurance for makes a substantial difference in your premium level. The most favorable rates are usually for the lowest performance passenger vehicles, but other factors influence the final cost greatly.
Cheaper insurance rates using GPS tracking and theft deterrents – Selecting a car model with anti-theft technology or alarm system can earn a premium discount. Theft prevention devices like LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system help track and prevent auto theft.
Your auto insurance coverage should be tailored to you
When quoting and comparing the best auto insurance coverage for your personal vehicles, there is no one-size-fits-all type of policy. Your needs are not the same as everyone else’s and a cookie cutter policy won’t apply.
Here are some questions about coverages that might point out if you will benefit from professional help.
- Am I covered if I have no license?
- Am I covered when using my vehicle for business?
- Does my policy cover my teen driver if they drive my company car?
- Exactly who is provided coverage by my policy?
- At what point should I drop full coverage?
- Why do I have to buy liability insurance?
- I have a DUI can I still get coverage?
- Do I have coverage for damage caused while driving under the influence?
- How much coverage applies to personal belongings?
If you’re not sure about those questions but you know they apply to you, you might consider talking to a licensed insurance agent. To find lower rates from a local agent, fill out this quick form or you can go here for a list of companies in your area. It’s fast, free and may give you better protection.
Buying from insurance agencies
Many drivers still like to get professional advice from a licensed agent and that is OK! Experienced insurance agents can point out coverage gaps and give you someone to call. The best thing about comparing insurance prices online is you can get the lowest rates and still have a local agent. And buying from small agencies is especially important in Durham.
For easy comparison, once you complete this quick form, your insurance data is instantly submitted to participating agents in Durham who will give you bids for your business. You won’t need to contact any insurance agencies because prices are sent instantly to you. In the event you want to get a comparison quote from one company in particular, you would need to go to their quote page and submit a quote form there.
Pick the best car insurance agent in Durham for you
When researching a reputable insurance agent or broker, there are two different types of agents and how they differ in how they quote coverages. Insurance agencies in Durham can be categorized as either independent or exclusive depending on the company they work for. Both types can insure your vehicles properly, but it’s important to point out why they differ because it can influence which agent you choose.
Independent Insurance Agencies
Independent insurance agents do not have single company limitations so they can write business with lots of companies and help determine which has the cheapest rates. If you are not satisfied with one company, they simply move the coverage in-house without you having to go to a different agency. If you are trying to find cheaper rates, you need to get insurance quotes from several independent agencies to maximize your price options. Many write coverage with less well-known companies which could offer lower prices.
The following are Durham independent insurance agents that can give you free price quotes.
- The Sorgi Insurance Agency
16 Consultant Pl Suite 102 – Durham, NC 27707 – (919) 682-4814 – View Map
- Hix Insurance Center
1533 Glenn School Road, Building C Unit A-14 – Durham, NC 27704 – (919) 220-3031 – View Map
- George Stevens Insurance Inc
1320 Hill St – Durham, NC 27707 – (919) 403-3611 – View Map
Exclusive Insurance Agencies
Agents in the exclusive channel are contracted to one company like Farmers Insurance, State Farm, Allstate, and AAA. These agents are not able to shop your coverage around so it’s a take it or leave it situation. Exclusive agencies are well schooled on the products they sell which helps overcome the inability to quote other rates. Consumers often buy from exclusive agents primarily because of the prominent brand name and the convenience of having a single billing for all their coverages.
Listed below are Durham exclusive agencies that can give you price quotes.
- Antonio Vela – State Farm Insurance Agent
121 Sherron Rd #106 – Durham, NC 27703 – (919) 596-2700 – View Map
- Allstate Insurance Agent: Ella Latreille
2005 N Pointe Dr Ste 3 – Durham, NC 27705 – (919) 479-2077 – View Map
- Nationwide Insurance: M A Mansour
1209 University Dr – Durham, NC 27705 – (919) 797-0135 – View Map
Choosing the best car insurance agent requires you to look at more than just the premium amount. These are some valid questions you should ask.
- Does the agency provide any after hours assistance?
- How many years have they been established?
- Which members of your family are coverage by the policy?
- Will they give you a referral list?
- Do they feel the quoted coverages are adequate?
If you get acceptable answers to these questions and a low price estimate, you may have found an auto insurance agent that meets the criteria to properly service your insurance policy. Keep in mind consumers can cancel your policy any time you want so never assume you are locked into a policy for any length of time.
You can find cheap coverage
Low-cost Isuzu Rodeo insurance in Durham can be bought on the web as well as from independent agents in Durham, and you should be comparing both to have the best chance of lowering rates. Some companies may not have online price quotes and many times these smaller companies provide coverage only through local independent agencies.
While you’re price shopping online, do not reduce coverage to reduce premium. There are many occasions where an accident victim reduced liability limits or collision coverage and learned later that a couple dollars of savings turned into a financial nightmare. The aim is to buy enough coverage for the lowest cost and still be able to protect your assets.
Even more information can be read at these sites:
- Avoiding Deer Collisions (Insurance Information Institute)
- Who Has Cheap Auto Insurance for Good Students in Durham? (FAQ)
- Who Has Cheap Auto Insurance for Uber Drivers in Durham? (FAQ)
- Who Has Cheap Auto Insurance for a School Permit in Durham? (FAQ)
- Who Has the Cheapest Car Insurance Rates for Low Mileage Drivers in Durham? (FAQ)
- What Insurance is Cheapest for Drivers Over Age 60 in Durham? (FAQ)
- Protect Yourself Against Auto Theft (Insurance Information Institute)
- Liability Insurance Coverage (Nationwide)