To save the most money, the best way to get cheaper Buick Regal insurance in Durham is to compare quotes annually from insurers in North Carolina. You can compare prices by following these guidelines.
First, get a basic knowledge of policy coverages and the things you can change to drop your rates. Many rating factors that result in higher rates such as inattentive driving and your credit history can be improved by making lifestyle changes or driving safer. This article provides more details to help prevent high rates and find available discounts that you may qualify for.
Second, request price quotes from independent agents, exclusive agents, and direct companies. Direct companies and exclusive agencies can give quotes from a single company like GEICO or Allstate, while independent agencies can give you price quotes from multiple companies.
Third, compare the new quotes to the price on your current policy and determine if cheaper Regal coverage is available in Durham. If you find a lower rate and make a switch, make sure coverage is continuous and does not lapse.
The key thing to know about shopping around is to compare the same liability limits and deductibles on every quote and and to get rates from as many different insurance providers as possible. Doing this guarantees a level playing field and many rates to choose from.
A recent auto insurance study revealed that nearly 70% of customers kept their coverage with the same auto insurance company for more than four years, and nearly the majority have never taken the time to shop around. Consumers in Durham can save almost $100 each year by just comparing quotes, but they underestimate the rate savings if they just switched companies.
Getting low cost Buick Regal car insurance pricing is surprisingly easy. All you need to do is take a few minutes to compare rates to find the company with the cheapest Buick Regal rate quotes.
The providers in the list below provide comparison quotes in North Carolina. To buy the best cheap car insurance in Durham, it’s highly recommended you compare several of them to get a more complete price comparison.
When should I contact a local insurance agent?
A small number of people still prefer to get advice from a local agent and that is a smart decision Licensed agents are trained to spot inefficiencies and help submit paperwork. One of the best bonuses of comparing rate quotes online is that drivers can save money and get cheaper premium rates and still have an agent to talk to. Putting coverage with small agencies is definitely important in Durham.
After filling out this short form, the quote information gets sent to insurance agents in Durham that give free quotes for your insurance coverage. There is no need to visit any agencies since price quotes are sent directly to you. If you want to compare prices from one company in particular, you can always jump over to their website and complete a quote there.
If you prefer to buy auto insurance from a local Durham insurance agency, it’s helpful to know the different agency structures that you can choose from. Agents can be categorized as either independent (non-exclusive) or exclusive. Either type can write policy coverage, but it’s good to learn how they are different since it may influence your selection of an agent.
Independent Agencies or Brokers
Agents that elect to be independent do not write with just one company and that gives them the ability to insure with an assortment of companies and find you the best rates. If you want to switch companies, the agent simply finds a different carrier and the insured can keep the same agent.
When searching for an agent, it’s a good idea to compare quotes from at a minimum one independent agency so that you have a good selection of quotes to compare. Most can insure with additional companies that you may not be familiar with which can be an advantage.
Shown below are Durham independent insurance agencies that may be able to give cheap 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
- Knox Insurance Agency
200 Meredith Dr Suite 104 – Durham, NC 27713 – (919) 313-6411 – View Map
Agents that elect to be exclusive generally can only insure with one company such as Farmers Insurance, State Farm, Allstate, and AAA. They usually cannot shop your coverage around so keep that in mind. These agents are usually well trained on what they offer which helps them sell on service rather than price. Some consumers prefer to choose to use an exclusive agent mainly due to the brand rather than low rates.
Below are exclusive agents in Durham that are able to give price quote information.
- Nationwide Insurance: All About Insurance
2605 Guess Rd – Durham, NC 27705 – (919) 479-8200 – View Map
- Marty Lindsey – State Farm Insurance Agent
1852 Hillandale Rd – Durham, NC 27705 – (919) 479-9671 – View Map
- Debbie Leonard – State Farm Insurance Agent
3702 Hillsborough Rd #2b – Durham, NC 27705 – (919) 383-3887 – View Map
Choosing a insurance agent needs to be determined by more than just the premium amount. Here are some questions to ask:
- Is their price quote a firm figure or are their hidden costs?
- Do they have 24-hour customer assistance?
- Who are their largest clients?
- If your car is in the repair shop, do you have coverage for a rental car?
- Are they in the agency full-time?
- Do they have a Better Business Bureau rating in Durham?
- Do they specialize in personal lines auto insurance in Durham?