The preferred way to get discount Dodge Stratus insurance in Durham is to make a habit of comparing prices annually from insurers in North Carolina.
- Step 1: Learn about the coverage provided by your policy and the factors you can control to prevent expensive coverage. Many risk factors that are responsible for high rates like at-fault accidents and a not-so-good credit score can be rectified by making lifestyle changes or driving safer.
- Step 2: Request price quotes from direct, independent, and exclusive agents. Direct companies and exclusive agencies can only give prices from a single company like Progressive or State Farm, while agents who are independent can provide rate quotes from multiple companies. Start a quote
- Step 3: Compare the quotes to your existing rates and determine if there is any savings. If you find better rates and buy the policy, ensure there is no coverage lapse between policies.
A key point to remember is to compare similar limits and deductibles on every price quote and and to look at every insurance company. This enables the most accurate price comparison and a complete price analysis.
Sad but true, almost 70% of drivers have bought insurance from the same company for over three years, and almost 40% of drivers have never compared insurance rates at all. North Carolina insurance shoppers could save $90 each year, but they don’t believe the benefits if they just switched companies.
Reducing your Dodge Stratus insurance rates is a great way to save money. All you need to do is take a few minutes to compare rates from online providers.
The companies shown below have been selected to offer quotes in Durham, NC. To find cheap car insurance in Durham, we recommend you visit several of them to find the lowest auto insurance rates.
Take policy discounts and save on Dodge Stratus insurance in Durham
Companies that sell car insurance do not advertise every policy discount very well, so the list below details a few of the more common and also the more inconspicuous credits available to lower your premiums when you buy Durham car insurance online.
- Air Bag Discount – Factory air bags can qualify for discounts of up to 25% or more.
- Driver Education Discount – Cut your cost by having your teen driver successfully complete driver’s ed class as it can save substantially.
- Data Collection Discounts – Insureds that choose to allow driving data submission to look at driving manner remotely such as Drivewise from Allstate or Snapshot from Progressive might get better premium rates if they are good drivers.
- Mature Driver Discount – If you qualify as a senior citizen, you can possibly qualify for a slight reduction on a Durham car insurance quote.
- Discount for Good Grades – Getting good grades can save 20 to 25%. Many companies even apply the discount to college students until age 25.
- Safety Course Discount – Taking a safe driver course could earn you a small percentage discount if your company offers it.
- Full Payment Discount – By paying your entire bill at once rather than paying in monthly installments you may reduce your total bill.
- Professional Memberships – Joining a civic or occupational organization in Durham is a simple method to lower premiums on your bill.
Consumers should know that most discount credits are not given to all coverage premiums. A few only apply to the price of certain insurance coverages like collision or personal injury protection. Despite the appearance that all those discounts means the company will pay you, you’re out of luck.
A few popular companies and a selection of discounts are detailed below.
- GEICO offers discounts including membership and employees, multi-policy, federal employee, multi-vehicle, anti-lock brakes, air bags, and military active duty.
- Travelers policyholders can earn discounts including home ownership, good student, early quote, new car, and continuous insurance.
- Farm Bureau may have discounts that include 55 and retired, multi-vehicle, safe driver, good student, driver training, and youthful driver.
- Liberty Mutual may include discounts for good student, new graduate, new vehicle discount, safety features, multi-car, and new move discount.
- American Family includes discounts for Steer into Savings, mySafetyValet, accident-free, defensive driver, good driver, and early bird.
- Progressive may offer discounts for good student, online quote discount, continuous coverage, multi-policy, and online signing.
If you need lower rates, check with each company which discounts you qualify for. Some of the earlier mentioned discounts might not be available to policyholders in every state. If you would like to see a list of insurance companies with discount rates in North Carolina, click this link.
North Carolina car insurance companies
Ending up with the best insurance company can be a challenge considering how many different companies insure vehicles in North Carolina. The company information below can help you select which providers you want to consider purchasing a policy from.
Top 10 Durham Car Insurance Companies Ranked by Customer Satisfaction
- USAA – 91%
- AAA Insurance – 90%
- Esurance – 90%
- Nationwide – 89%
- Travelers – 88%
- Progressive – 88%
- Safeco Insurance – 88%
- State Farm – 88%
- Allstate – 88%
- The Hartford – 87%
Top 10 Durham Car Insurance Companies Ranked by Customer Service
- USAA
- Travelers
- AAA Insurance
- Nationwide
- Safeco Insurance
- Progressive
- State Farm
- The Hartford
- The General
- Esurance
Why You Might Pay Inflated Rates in Durham
An important part of buying insurance is that you know some of the factors that help calculate your premiums. When you understand what controls the rates you pay, this enables informed choices that will entitle you to better auto insurance rates.
Location can modify price – Having an address in smaller towns and rural areas of the country may provide you with better prices when trying to find low car insurance rates. Fewer people means fewer accidents and lower theft and vandalism rates. Drivers in populated North Carolina areas have traffic congestion and more severe claims. The longer drive time can result in more accidents.
Careless drivers pay higher prices – Your driving citation history has a lot to do with how much you pay for insurance. Only having one ticket can boost insurance rates by as much as thirty percent. Drivers with clean records get better prices as compared to those with violations. Drivers who have careless violations like hit and run, DWI or reckless driving convictions may find they need to maintain a SR-22 with their state motor vehicle department in order to legally drive a vehicle.
Liability coverage – Your auto insurance policy’s liability coverage kicks in in the event that you are ruled to be at fault for an accident. Your liability coverage provides for a legal defense to attempt to prove you were not liable. Liability insurance is pretty cheap compared to physical damage coverage, so drivers should carry high limits.
Consolidate policies with the same company – Most larger insurers afford lower prices to clients that have more than one policy in the form of a multi-policy discount. Even though this discount sounds good, drivers will still want to comparison shop to guarantee you are still saving the most.