Cheapest Rate Quotes for Chevy Bolt EV Insurance in Durham

  1. Home
  2. >
  3. Durham Auto Insurance
  4. >
  5. Chevrolet Bolt EV

Discount Chevy Bolt EV insuranceIt takes a little time, but the best way to find the cheapest price for Chevy Bolt EV insurance in Durham is to do an annual price comparison from insurance carriers who can sell car insurance in North Carolina. This can be done by following these guidelines.

Step 1: Spend a few minutes and learn about how your policy works and the changes you can make to keep rates low. Many rating criteria that cause high rates such as speeding and poor credit history can be controlled by making small lifestyle or driving habit changes. Keep reading for the details to help keep prices low and get additional discounts.

Step 2: Compare rates from direct, independent, and exclusive agents. Direct and exclusive agents can give quotes from one company like Progressive or Farmers Insurance, while independent agents can quote rates from multiple companies.

Step 3: Compare the quotes to your existing rates to determine if you can save on Bolt EV insurance. If you can save some money, make sure there is no lapse between the expiration of your current policy and the new one.

The key thing to know about shopping around is to compare similar deductibles and liability limits on every price quote and and to get price estimates from every insurance company. This enables the most accurate price comparison and a complete price analysis.

We don't have to tell you that insurance companies don't want their policyholders to compare prices. People who shop around are highly likely to switch companies because of the good chance of finding a lower-priced company. A study showed that people who compared rates annually saved approximately $3,450 over four years as compared to drivers who don't make a habit of comparing rates.

If finding the cheapest price on auto insurance is your target objective, learning how to get free comparison quotes and analyze insurance can make shopping around easier.

If you have a policy now or want to find a cheaper company, use these techniques to find better prices while maintaining coverages. Buying the cheapest auto insurance in Durham is much easier if you know where to start. Vehicle owners just have to use the proper way to get comparison rates online from multiple companies.

All the larger auto insurance companies provide pricing on the web. Getting online quotes for Chevy Bolt EV insurance in Durham is pretty painless as all you need to do is type in the amount of coverage you want into a form. Upon sending the form, the system gets your credit score and driving record and provides a quote determined by many factors. Being able to quote online for Chevy Bolt EV insurance in Durham helps simplify price comparisons, and it is important to do this if you are searching for a lower rate.

In order to find out how much you can save on auto insurance, check out the auto insurance providers below. To compare your current rates, we recommend you complete the form with the coverage information as close as possible to your current policy. Doing this guarantees you will have rate comparison quotes for exact coverage.

The companies in the list below have been selected to offer quotes in North Carolina. To get the best cheap auto insurance in NC, it's a good idea that you visit two to three different companies to find the cheapest car insurance rates.

Determine discounts on Durham auto insurance

Companies offering auto insurance don't always publicize every discount they offer very well, so we researched some of the more common as well as the least known auto insurance savings.Cheaper auto insurance with discounts

  • Anti-lock Brake Discount - Cars and trucks with ABS and/or traction control prevent accidents so companies give up to a 10% discount.
  • Passenger Safety Discount - Vehicles equipped with air bags or automatic seat belts may get savings of up to 25% or more.
  • 55 and Retired - If you qualify as a senior citizen, you can possibly qualify for lower premium rates.
  • Life Insurance Discount - Companies who offer life insurance give lower rates if you buy some life insurance too.
  • Military Discounts - Being on active deployment in the military may qualify for rate reductions.
  • Discounts for Federal Employees - Being employed by or retired from a federal job could provide a small rate reduction with select insurance companies.
  • Sign Online - Many insurance companies will give a small break for buying your policy on the web.
  • Anti-theft System - Anti-theft and alarm system equipped vehicles can help prevent theft so companies will give you a small discount.
  • Club Memberships - Being a member of a qualifying organization could trigger savings on your bill.
  • First Accident Forgiveness - Not necessarily a discount, but certain companies will let one accident slide without raising rates if you are claim-free before the accident.

You should keep in mind that most of the big mark downs will not be given to the whole policy. Most only apply to specific coverage prices like physical damage coverage or medical payments. Despite the fact that it seems like it's possible to get free car insurance, companies wouldn't make money that way. Any qualifying discounts should definitely cut your overall bill.

A few popular companies and a summarized list of policyholder discounts are outlined below.

  • Progressive includes discounts for online quote discount, homeowner, online signing, multi-policy, and continuous coverage.
  • The Hartford discounts include vehicle fuel type, good student, bundle, driver training, air bag, defensive driver, and anti-theft.
  • Mercury Insurance has discounts for professional/association, multi-policy, annual mileage, ease of repair, location of vehicle, multi-car, and accident-free.
  • GEICO may include discounts for five-year accident-free, anti-lock brakes, defensive driver, emergency military deployment, daytime running lights, good student, and seat belt use.
  • AAA may offer discounts for pay-in-full, anti-theft, education and occupation, multi-car, good student, multi-policy, and AAA membership discount.
  • State Farm offers discounts for multiple policy, multiple autos, Steer Clear safe driver discount, anti-theft, accident-free, Drive Safe & Save, and student away at school.

When getting free Durham car insurance quotes, it's a good idea to all the companies to apply every possible discount. Savings might not be available to policyholders in every state.

You may need advice from an insurance agent

Some consumers just want to sit down and talk to an agent and there is nothing wrong with that. Insurance agents are trained to spot inefficiencies and help submit paperwork. The biggest benefit of comparing rates online is the fact that you can find cheap auto insurance quotes and still buy from a local agent. And buying from local agents is especially important in Durham.

Insurance agents in DurhamTo help locate an agent, after submitting this short form, the coverage information is submitted to companies in Durham who want to provide quotes for your insurance coverage. It makes it easy because there is no need to leave your house since price quotes are sent to you instantly. In the event you want to compare prices for a specific company, don't hesitate to search and find their rate quote page and fill out their quote form.

Two types of auto insurance agents

If you want to use local Durham agents, it's important to understand the types of agencies and how they can write your policy. Insurance agencies in Durham can be classified as either independent (non-exclusive) or exclusive. Either one can properly insure your vehicles, but it's worth mentioning the difference between them since it can impact which type of agent you select.

Independent Auto Insurance Agencies

Independent insurance agents can quote rates with many companies and that gives them the ability to insure through many companies and help determine which has the cheapest rates. If you want to switch companies, your agent can switch companies and you don't have to switch agencies. If you are trying to find cheaper rates, you absolutely need to check rates from at a minimum one independent agency in order to have the best price comparison.

Below is a partial list of independent insurance agents in Durham who may be able to give you free rate quotes.


5410 - Durham, NC 27713 - (919) 484-8400 - View Map


16 Consultant Pl Suite 102 - Durham, NC 27707 - (919) 682-4814 - View Map


1533 Glenn School Road, Building C Unit A-14 - Durham, NC 27704 - (919) 220-3031 - View Map

More Durham agents

Exclusive Auto Insurance Agencies

Agents that choose to be exclusive can usually just insure with one company such as AAA, Allstate, and State Farm. They are unable to give you multiple price quotes so you might not find the best rates. Exclusive insurance agents are well trained on their company's products and that enables them to sell even at higher rates.

The following is a list of exclusive agencies in Durham that can give you price quote information.


1107 W Main St #201 - Durham, NC 27701 - (919) 598-7900 - View Map


2605 Guess Rd - Durham, NC 27705 - (919) 479-8200 - View Map


1852 Hillandale Rd - Durham, NC 27705 - (919) 479-9671 - View Map

More Durham agents

Finding the right auto insurance agent needs to be determined by more than just a cheap price quote. The answers to these questions are important, too.

  • Has the agent ever had any license suspensions?
  • Can glass claims be handled at your home?
  • Will they give you a referral list?
  • Is the coverage adequate for your vehicle?
  • Which companies can they place coverage with?
  • Is the agent CPCU or CIC certified?
  • If your car is totaled, how to they determine the replacement cost?

You Can Change Your Insurance Premiums

Part of the car insurance buying process is learning some of the factors that aid in calculating your policy premiums. When consumers understand what determines premiums, this allows you to make educated decisions that can earn you big savings. Many different elements are used in the calculation when premium rates are determined. Some factors are common sense such as your driving history, but other criteria are not quite as obvious like your continuous coverage or your vehicle rating.

Optional features that cut prices - Buying a car with advanced anti-theft systems can help lower your rates. Advanced theft deterrents such as vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems can thwart car theft.

Does your occupation cost you more? - Did you know your job can affect your rates? Occupations such as real estate brokers, air traffic controllers, and dentists usually pay higher rates than the rest of us because of high stress and incredibly demanding work hours. On the flip side, careers like farmers, athletes and homemakers have the lowest average rates.

Big cities mean more claims - Having an address in small towns and rural areas can be a good thing when trying to find low car insurance rates. Fewer drivers on the road means fewer accidents in addition to fewer liability claims. Drivers in populated North Carolina areas have to deal with more aggressive driving styles and a longer drive to work. More time on the road translates into higher accident risk.

Lower rates with continuous car insurance coverage - Driving without insurance coverage in place is a misdemeanor and any future policy may cost more because you let your coverage have a gap. Not only will rates go up, not being able to provide proof of insurance may result in a license revocation or jail time. You may then have to submit proof of financial responsibility or a SR-22 with the North Carolina DMV.

Bad credit will cost you - An insured's credit score is a big factor in determining what you pay. So if your credit history could use some work, you may save money insuring your Chevrolet Bolt EV by spending a little time repairing your credit. Consumers who have excellent credit scores tend to file fewer claims and have better driving records than those with poor credit.

Choosing Bolt EV insurance is an important decision

Even though it can be expensive, insuring your vehicle is most likely required but also gives you several important benefits.

First, just about all states have minimum mandated liability insurance limits which means it is punishable by state law to not carry a specific level of liability if you want to drive legally. In North Carolina these limits are 30/60/25 which means you must have $30,000 of bodily injury coverage per person, $60,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.

Second, if you bought your Chevy Bolt EV with a loan, most banks will require you to have insurance to ensure they get paid if you total the vehicle. If the policy lapses, the lender may insure your Chevy at an extremely high rate and require you to fork over for the much more expensive policy.

Third, car insurance preserves both your Chevy Bolt EV and your assets. It will also reimburse you for medical expenses for both you and anyone you injure as the result of an accident. Liability insurance, one of your policy coverages, also covers legal expenses in the event you are sued. If your car is damaged in a storm or accident, comprehensive (other-than-collision) and collision coverage will pay to repair the damage.

The benefits of carrying enough insurance are definitely more than the cost, particularly if you ever have a claim. According to a recent study, the average American driver is wasting up to $750 every year so shop around at every policy renewal to make sure the price is not too high.

Best auto insurance company in Durham

Ending up with a highly-rated auto insurance provider can be rather challenging considering how many companies there are in North Carolina. The company information below could help you analyze which car insurance providers to look at to insure your vehicles.

Top 10 Durham Car Insurance Companies Overall

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

Shop smart and save

As you shop your coverage around, it's a bad idea to buy less coverage just to save a little money. Too many times, consumers will sacrifice physical damage coverage and learned later that it was a big mistake. The proper strategy is to buy enough coverage at an affordable rate, not the least amount of coverage.

In this article, we covered many ideas to get a better price on Chevy Bolt EV insurance in Durham. The most important thing to understand is the more times you quote, the better likelihood of getting the cheapest Chevrolet Bolt EV rate quotes. Drivers may even discover the most savings is with a small mutual company. These companies may cover specific market segments cheaper than the large multi-state companies such as Allstate or State Farm.

There are still a few companies who do not offer online rate quotes and usually these regional insurance providers only sell through independent agencies. Budget-conscious Chevy Bolt EV insurance is available on the web as well as from insurance agents, so compare prices from both to get a complete price analysis.

Additional auto insurance information is located at these links: