The recommended way to get low-cost car insurance rates is to compare prices once a year from insurers in Durham.
- Gain an understanding of the different coverages in a policy and the modifications you can make to keep rates down. Many rating factors that result in higher rates like your driving record and a less-than-favorable credit rating can be eliminated by making small lifestyle or driving habit changes.
- Request rate estimates from independent agents, exclusive agents, and direct companies. Direct and exclusive agents can give quotes from one company like Progressive and State Farm, while independent agents can quote prices from multiple sources.
- Compare the new rate quotes to your current policy to see if a cheaper price is available in Durham. If you can save some money and decide to switch, ensure coverage does not lapse between policies.
A valuable tip to remember is to try to compare similar coverage information on each quote and and to compare every insurance company. This provides a fair price comparison and and a good selection of different prices.
It goes without saying that car insurance companies want to keep your business as long as possible. Drivers who shop around annually will, in all likelihood, buy a new policy because they stand a good chance of finding a policy with better rates. A recent survey discovered that consumers who compared rate quotes regularly saved as much as $3,500 over four years compared to policyholders who never shopped around.
If finding budget-friendly auto insurance in Durham is your target objective, then learning a little about the best ways to shop for insurance rates can help make the process easier.
Companies offering Scion xD insurance in North Carolina
The following companies are ready to provide free quotes in North Carolina. If multiple companies are listed, we recommend you visit two to three different companies in order to get a fair rate comparison.
The coverage information shown below covers a range of coverage prices for Scion xD models. Knowing how policy premiums are calculated can assist in making decisions on which coverage to buy.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|XD 4-Dr Hatchback||$186||$386||$250||$14||$74||$910||$76|
|Get Your Own Custom Quote Go|
Above prices assume married male driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and North Carolina minimum liability limits. Discounts applied include homeowner, multi-vehicle, claim-free, multi-policy, and safe-driver. Price estimates do not factor in specific location information which can affect prices substantially.
Informed Consumers Save Every Year
One of the most helpful ways to save on auto insurance is to to have a grasp of the factors that are used to determine the level of your policy premiums. If you know what determines premiums, this enables informed choices that may result in lower premium levels.
Shown below are some of the major factors utilized by car insurance companies to help set prices.
Too many insurance claims and you’ll pay more – Insurance companies in North Carolina give lower rates to policyholders who file claims infrequently. If you are a frequent claim filer, you can pretty much guarantee either policy cancellation or increased premiums. Insurance coverage is intended to be relied upon for the bigger claims that can’t be paid out-of-pocket.
Auto insurance policy lapses increase premiums – Driving with no insurance is not a good idea and you will pay a penalty because you let your coverage have a gap. In addition to paying higher rates, being ticketed for driving with no insurance will get you a revoked license or a big fine.
Better drivers pay less – A bad driving record impacts your car insurance rates tremendously. Careful drivers pay lower auto insurance prices as compared to careless drivers. Getting just one chargeable violation can bump up the cost by as much as thirty percent. Drivers who have gotten flagrant citations like hit and run, DWI or reckless driving convictions may find they need to submit a SR-22 or proof of financial responsibility with their state in order to drive a vehicle legally.
The illustration below shows how traffic citations and at-fault collisions increase Scion xD auto insurance costs for each different age category. The data is based on a single female driver, comprehensive and collision coverage, $100 deductibles, and no discounts are taken into consideration.
Teenage drivers pay higher prices – Mature drivers tend to be more responsible, are lower risk to insure, and are generally more financially stable. Young drivers have a tendency to get distracted easily when at the wheel of a vehicle so auto insurance rates are higher.
The following chart uses these variables: single driver, full coverage with $1000 deductibles, and no discounts or violations.
Pleasure use or commuting – The higher the mileage driven in a year the higher your rate. Most companies apply a rate based on how the vehicle is used. Vehicles left parked in the garage get more affordable rates compared to those used for work or business. Having the wrong rating on your xD can cost quite a bit. It’s always a good idea to double check that your vehicle rating shows how each vehicle is driven, because improper ratings can cost you money.
Car insurance liability coverage limits – Your auto insurance policy’s liability coverage kicks in if ever you are ruled to be at fault for an accident. Liability insurance provides for a legal defense up to the limits shown on your policy. Carrying liability coverage is mandatory and cheap compared to insuring for physical damage coverage, so drivers should make sure they buy enough to cover all assets.
Policy add-ons may be wasting money – There are a lot of extra coverages that may not really be needed on your xD policy. Add-on coverages like rental car reimbursement, accidental death, and membership fees are examples of these. You may think they are a good idea at first, but if they’re wasting money consider taking them off your policy.
Car insurance policy discounts you can’t miss
Car insurance is not inexpensive, but discounts can save money and there are some available that can drop the cost substantially. Some discounts apply automatically at quote time, but once in a while a discount must be asked about before they will apply. If you are not receiving all the discounts you deserve, you could be getting lower rates.
- Discounts for Federal Employees – Federal government employees may qualify for a discount when you quote Durham auto insurance depending on your company.
- Passive Restraints – Vehicles with factory air bags or automatic seat belts can receive discounts of 25 to 30%.
- Driver Training Discounts – Taking part in a course teaching defensive driving skills could save 5% or more and easily recoup the cost of the course.
- No Accidents – Claim-free drivers can earn big discounts in comparison with accident-prone drivers.
- ABS Braking Discount – Cars and trucks that have anti-lock braking systems can avoid accidents and the ABS can save up to 10%.
Remember that most credits do not apply to your bottom line cost. Most cut specific coverage prices like collision or personal injury protection. So when it seems like having all the discounts means you get insurance for free, companies don’t profit that way. Any amount of discount will lower your policy premiums.
The chart below shows the difference between Scion xD insurance costs with and without discounts applied to the rates. The prices are based on a male driver, no claims or driving violations, North Carolina state minimum liability limits, full physical damage coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with marriage, homeowner, claim-free, multi-car, multi-policy, and safe-driver discounts applied.
Companies that possibly offer some of the above discounts are:
If you are trying to find inexpensive Durham auto insurance quotes, ask each company or agent which credits you are entitled to. All car insurance discounts might not be offered in every state. To choose providers that have a full spectrum of discounts in North Carolina, click here to view.
Compare prices but buy from a local Durham insurance agent
Many people would rather go talk to an agent and often times that is recommended A good thing about getting online price quotes is that you can find cheap auto insurance quotes and still choose a local agent.
To find an agent, once you fill out this simple form, the quote information is submitted to agents in your area who will give competitive quotes to get your business. It makes it easy because there is no need to find an agent on your own due to the fact that quote results will go to your email. You can get cheaper auto insurance rates and an insurance agent to talk to. If for some reason you want to compare rates from a particular provider, you can always search and find their rate quote page and complete a quote there.
Deciding on an insurer requires more thought than just a cheap price quote. These are some questions your agent should answer.
- Do they prorate repair cost based on vehicle mileage?
- Do they have advanced training designations such as CPCU, AAI, AIC, or CIC?
- Are there any discounts for paying up front?
- Are they full-time agents?
- What discounts might you be missing?
If you need to find a local insurance agency, there are two different types of agencies that differ in how they can insure your vehicles. Insurance agencies in Durham can be classified as either exclusive or independent.
Exclusive Auto Insurance Agents
These agents can only provide one company’s prices like Farmers Insurance and State Farm. Exclusive agents cannot shop your coverage around so if the price isn’t competitive there isn’t much they can do. They are well trained on their products and sales techniques which helps offset the inability to provide other markets. Many people buy from exclusive agents mainly due to high brand loyalty rather than having the cheapest rates.
The following is a short list of exclusive insurance agents in Durham willing to provide rate quotes.
- Zonya Autmon – State Farm Insurance Agent
2402 S Miami Blvd #103 – Durham, NC 27703 – (919) 993-3555 – View Map
- Allstate Insurance Agent: Reginald Wright
2310 S Miami Blvd Ste 131 – Durham, NC 27703 – (919) 484-2493 – View Map
- Allstate Insurance Agent: Tae Kim
4837 Hwy Nc 55 10B – Durham, NC 27713 – (919) 560-9000 – View Map
Agents in the independent channel can sell policies from many different companies and that gives them the ability to insure with lots of companies and get you the best rates possible. If they find a cheaper price, the business is moved internally and you don’t have to find a new agent.
If you need cheaper auto insurance rates, you will definitely want to compare quotes from at a minimum one independent agency to ensure the widest selection of prices. They often place coverage with smaller regional carriers who may have lower rates.
Shown below is a short list of independent insurance agencies in Durham who can help you get rate quotes.
- Superior Insurance of Durham
3825 S Roxboro St #118 – Durham, NC 27713 – (919) 224-8034 – View Map
- Insurance Pros: Paradis James
3200 Croasdaile Dr # 603 – Durham, NC 27705 – (919) 294-6613 – View Map
- Herring and Bickers Insurance
2344 Operations Dr Suite 101 – Durham, NC 27705 – (919) 479-9900 – View Map
Auto insurance company ratings
Buying coverage from the top auto insurance provider can be a challenge considering how many companies sell insurance in North Carolina. The ranking information shown below can help you choose which coverage providers you want to consider purchasing coverage from.
Top 10 Durham Car Insurance Companies Ranked by Customer Service
- AAA Insurance
- Safeco Insurance
- State Farm
- The Hartford
- The General
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%
Insurance is unique, just like you
When it comes to choosing insurance from an agent or online, there really is no cookie cutter policy. Each situation is unique and a cookie cutter policy won’t apply.
For instance, these questions can help discover whether your personal situation will benefit from professional help.
- Do I have coverage when pulling a U-Haul trailer?
- Are there companies who specialize in insuring high-risk drivers?
- What policy terms are available?
- Does my policy cover me if I wreck while driving under the influence?
- Where can I find DUI or SR-22 insurance?
- Can my babysitter drive my car?
- What is an umbrella policy?
If you don’t know the answers to these questions but you think they might apply to your situation, then you may want to think about talking to an agent. If you don’t have a local agent, complete this form or click here for a list of insurance companies in your area.
One last thing to lower rates
When trying to cut insurance costs, it’s very important that you do not buy lower coverage limits just to save a few bucks. There have been many situations where someone sacrificed uninsured motorist or liability limits and discovered at claim time that the few dollars in savings costed them thousands. Your goal is to find the BEST coverage at a price you can afford and still be able to protect your assets.
More affordable auto insurance in Durham is attainable on the web and from local agencies, so you need to quote Durham auto insurance with both to get a complete price analysis. Some insurance providers do not offer internet price quotes and these regional insurance providers sell through independent insurance agencies.
We’ve covered many ideas to save on Scion xD insurance in Durham. The key concept to understand is the more rate comparisons you have, the higher your chance of finding affordable Durham auto insurance quotes. Consumers could even find that the best premium rates are with the smaller companies. These companies may cover specific market segments cheaper than the large multi-state companies such as State Farm or Progressive.
Even more information can be read by following these links:
- Safety Belts FAQ (iihs.org)
- Who Has Affordable Auto Insurance Quotes for a Toyota Camry in Durham? (FAQ)
- Who Has Affordable Auto Insurance Quotes for a Nissan Altima in Durham? (FAQ)
- A Tree Fell on Your Car: Now What? (Allstate)
- Frontal Crash Tests (iihs.org)
- How Much Auto Coverage do I Need? (Insurance Information Institute)
- Event Data Recorders FAQ (iihs.org)