Auto Insurance Rate Quotes for a Suzuki Equator in Durham

Discount Suzuki Equator insuranceThe most effective way to get the cheapest Suzuki Equator insurance is to compare prices once a year from different companies who sell insurance in Durham. This can be done by following these steps.

A crucial key to this process is that you’ll want to compare the same level of coverage on each quote and and to get rate quotes from as many companies as you can. Doing this enables an apples-to-apples comparison and many rates to choose from.

We don’t have to tell you that auto insurance companies don’t want you comparing rates. People who shop around for cheaper prices will most likely switch companies because there is a high probability of finding coverage at a cheaper rate. A survey found that people who faithfully checked for cheaper rates saved about $865 a year compared to policyholders who never compared other company’s rates.

If finding budget-friendly insurance in Durham is your target objective, then having a grasp of how to quote prices and compare insurance can save time and money.

Shop Suzuki Equator insurance online

When comparison shopping, there are several ways to compare rate quotes from car insurance companies in your area. The fastest way to find the cheapest Suzuki Equator insurance rates is to get quotes online.

Online shopping is fast and free, and it makes it obsolete to physically go to insurance agencies in your area. Quoting Suzuki Equator insurance online eliminates the need for an insurance agent unless you require the trained advice that only an agent can give. If you prefer, some companies allow you to find lower rates online but have a local agent actually write the policy. Keep in mind that making a lot of price comparisons helps improve the odds of finding a lower rate than you’re paying now.

The following companies provide price comparisons in North Carolina. If you want cheap car insurance in NC, we suggest you visit two to three different companies in order to find the most competitive rates.

Lower-cost Suzuki Equator insurance quotes in Durham

Auto insurance can be pricey, but you may qualify for discounts that you may not know about. Some of these discounts will be visible when you get a quote, but a few must be requested specifically prior to receiving the credit.Save money with discounts

It’s important to understand that some credits don’t apply to your bottom line cost. Most only apply to the price of certain insurance coverages like physical damage coverage or medical payments. Even though the math looks like it’s possible to get free car insurance, you aren’t that lucky.

The chart below shows the difference between Suzuki Equator car insurance rates with and without discounts. The costs are based on a female driver, no claims, a clean driving record, North Carolina state minimum liability limits, comp and collision included, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-policy, safe-driver, homeowner, marriage, claim-free, and multi-car discounts applied.

If you would like to choose from a list of providers with significant discounts in North Carolina, click here.

Rates and statistics

The table displayed below covers estimates of coverage prices for Suzuki Equator models. Understanding how auto insurance prices are determined can help guide drivers when making informed decisions when comparing rate quotes.


Suzuki Equator Insurance Rates in Durham, NC
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Equator Ext Cab 2WD $134 $248 $302 $18 $90 $792 $66
Equator Ext Cab 2WD $134 $248 $302 $18 $90 $792 $66
Equator Ext Cab 2WD $154 $300 $302 $18 $90 $864 $72
Equator Ext Cab 2WD $154 $300 $302 $18 $90 $864 $72
Equator Ext Cab 4WD $154 $300 $302 $18 $90 $864 $72
Equator Crew Cab 4WD $174 $354 $302 $18 $90 $938 $78
Equator Crew Cab 4WD $174 $354 $302 $18 $90 $938 $78
Equator Crew Cab 4WD $174 $354 $302 $18 $90 $938 $78
Get Your Own Custom Quote Go

Prices based on single male driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and North Carolina minimum liability limits. Discounts applied include claim-free, multi-policy, multi-vehicle, safe-driver, and homeowner. Rates do not factor in specific Durham garaging location which can raise or lower coverage rates greatly.

Comparison of policy deductibles

When buying auto insurance, a common question is which deductibles should you choose. The tables below determine the rate differences between low and high policy deductibles. The first rate comparisons uses a $250 physical damage deductible and the second data table uses a $1,000 deductible.


Suzuki Equator insurance prices with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Equator Ext Cab 2WD $168 $266 $250 $14 $74 $797 $66
Equator Ext Cab 2WD $168 $266 $250 $14 $74 $797 $66
Equator Ext Cab 2WD $192 $324 $250 $14 $74 $879 $73
Equator Ext Cab 2WD $192 $324 $250 $14 $74 $879 $73
Equator Ext Cab 4WD $192 $324 $250 $14 $74 $879 $73
Equator Crew Cab 4WD $218 $382 $250 $14 $74 $963 $80
Equator Crew Cab 4WD $218 $382 $250 $14 $74 $963 $80
Equator Crew Cab 4WD $218 $382 $250 $14 $74 $963 $80
Get Your Own Custom Quote Go

Suzuki Equator insurance prices with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Equator Ext Cab 2WD $104 $168 $250 $14 $74 $610 $51
Equator Ext Cab 2WD $104 $168 $250 $14 $74 $610 $51
Equator Ext Cab 2WD $118 $204 $250 $14 $74 $660 $55
Equator Ext Cab 2WD $118 $204 $250 $14 $74 $660 $55
Equator Ext Cab 4WD $118 $204 $250 $14 $74 $660 $55
Equator Crew Cab 4WD $134 $240 $250 $14 $74 $712 $59
Equator Crew Cab 4WD $134 $240 $250 $14 $74 $712 $59
Equator Crew Cab 4WD $134 $240 $250 $14 $74 $712 $59
Get Your Own Custom Quote Go

Premium data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and North Carolina minimum liability limits. Discounts applied include multi-vehicle, homeowner, claim-free, safe-driver, and multi-policy. Estimates do not factor in specific Durham garaging location which can change rates significantly.

Based on the above data, using a $250 deductible costs an average of $18 more each month or $216 every year than quoting the higher $1,000 deductible. Because you would be required to pay $750 more if you file a claim with a $1,000 deductible as compared to a $250 deductible, if you go more than 42 months between claim filings, you would save money by selecting a higher deductible. The table below shows how you can do this calculation yourself.

Average monthly premium for $250 deductibles: $74
Average monthly premium for $1,000 deductibles (subtract): – $56
Monthly savings from raising deductible: $18
Difference between deductibles ($1,000 – $250): $750
Divide difference by monthly savings: $750 / $18
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 42 months

Suzuki Equator insurance rates by age and gender

The diagram below shows the comparison of Suzuki Equator annual premium costs for male and female drivers. The premiums assume no claims, a clean driving record, comp and collision included, $500 deductibles, single status, and no additional discounts are factored in.

Auto insurance agents near you

Some people still prefer to get advice from a local agent and that is OK! The biggest benefit of comparing insurance prices online is that drivers can save money and get better rates but also keep your business local. And supporting neighborhood insurance agencies is definitely important in Durham.

Insurance agency in DurhamAfter filling out this quick form, your insurance coverage information is emailed to insurance agents in Durham who will give you quotes for your insurance coverage. There is no need to search for any insurance agencies due to the fact that quote results will go to you directly. Get lower rates and an insurance agent to talk to. In the event you want to get a rate quote from a specific insurance company, you would need to find their quoting web page and complete a quote there.

What type of Durham car insurance agent is right for you?

If you’re trying to find a local insurance agency, you should know the different agency structures that differ in how they can insure your vehicles. Insurance agencies in Durham can be categorized as either exclusive or independent (non-exclusive).

Independent Car Insurance Agencies

Agents in the independent channel are not locked into one company and that is an advantage because they can write policies through many companies and find the cheapest rate. If you are not satisfied with one company, an independent agent can move your coverage and you won’t have to switch agencies. When comparing rates, you will definitely want to include price quotes from at least one independent agent to ensure the widest selection of prices.

Below is a short list of independent agents in Durham that may be able to give competitive price quotes.


3200 Croasdaile Dr # 603Durham, NC 27705(919) 294-6613View Map


2344 Operations Dr Suite 101Durham, NC 27705(919) 479-9900View Map


4215 University Dr #1Durham, NC 27707(919) 416-4900View Map

More Durham agents

Exclusive Agents

Exclusive agents normally can only provide a single company’s rates like State Farm, Allstate, and Farm Bureau. These agents are unable to compare other company’s rates so it’s a take it or leave it situation. Exclusive agencies receive a lot of sales training on sales techniques and that enables them to sell even at higher rates.

The following are exclusive insurance agents in Durham that are able to give price quote information.


2005 N Pointe Dr Ste 3Durham, NC 27705(919) 479-2077View Map


2705 N Duke St Ste 203Durham, NC 27704(919) 479-5085View Map


4810 Hope Valley Rd #116Durham, NC 27707(919) 489-6008View Map

More Durham agents

Selecting an auto insurance agent needs to be determined by more than just the bottom line cost. Below are some questions you should ask.

When to get professional advice

Always remember that when buying coverage for your personal vehicles, there really is not a single plan that fits everyone. Every situation is different and your policy should reflect that.Drive safe and save
For example, these questions may help highlight if your insurance needs might need professional guidance.

If you’re not sure about those questions but you think they might apply to your situation, then you may want to think about talking to a licensed agent. If you want to speak to an agent in your area, complete this form or you can also visit this page to select a carrier

Why Informed Drivers Pay Less for Suzuki Equator Insurance

Lots of things are part of the equation when you get your auto insurance bill. Some are pretty understandable like your driving record, but others are not as apparent such as your credit history or how financially stable you are.

Best reasons to buy insurance in North Carolina

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

The benefits of having insurance more than cancel out the cost, especially with large liability claims. According to a recent study, the average American driver overpays more than $750 every year so we recommend shopping around each time the policy renews to be sure current rates are still competitive.

Compare. Compare. Compare.

We’ve covered a lot of techniques to find cheap Suzuki Equator insurance in Durham. It’s most important to understand that the more providers you compare, the better likelihood of getting inexpensive Durham car insurance quotes. You may even discover the lowest priced auto insurance comes from a smaller regional carrier. Some small companies may cover specific market segments cheaper than their larger competitors like State Farm, GEICO and Nationwide.

Discount Suzuki Equator insurance in Durham is definitely available on the web as well as from independent agents in Durham, so you should compare both to get a complete price analysis. Some insurance companies may not have rate quotes online and usually these smaller providers only sell coverage through local independent agents.

As you prepare to switch companies, you should never reduce needed coverages to save money. In many cases, an insured dropped liability coverage limits and discovered at claim time that it was a big mistake. The proper strategy is to purchase a proper amount of coverage at an affordable rate while not skimping on critical coverages.

Additional auto insurance information is available on the following sites: