Cheap Insurance for a Dodge Stratus in Durham

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.

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.

Insurance quote for Dodge Stratus in DurhamSad 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.Save money with discounts

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.

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

  1. USAA – 91%
  2. AAA Insurance – 90%
  3. Esurance – 90%
  4. Nationwide – 89%
  5. Travelers – 88%
  6. Progressive – 88%
  7. Safeco Insurance – 88%
  8. State Farm – 88%
  9. Allstate – 88%
  10. The Hartford – 87%

Top 10 Durham Car Insurance Companies Ranked by Customer Service

  1. USAA
  2. Travelers
  3. AAA Insurance
  4. Nationwide
  5. Safeco Insurance
  6. Progressive
  7. State Farm
  8. The Hartford
  9. The General
  10. 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.