Have you fallen victim to an overpriced car insurance policy? Believe me, there are many people just like you.
Because there are so many options, it is hard for the average consumer to find the cheapest insurer.
It’s smart to take a look at other company’s rates at least once a year because prices change regularly. Despite the fact that you may have had the best rates a few years ago there is a good chance you can find better rates now. So forget all the misinformation about car insurance because you’re about to learn the only way to find lower rates on car insurance.
All major car insurance companies such as 21st Century, Allstate and State Farm quote price estimates on the web. The process is pretty painless as you just type in the coverages you want as requested by the quote form. Upon sending the form, their rating system will obtain your driving record and credit report and generates a price. Online quotes simplifies rate comparisons, but the process of having to visit a lot of sites and complete many quote forms is repetitive and time-consuming. Unfortunately, it is important to get many rate quotes in order to get the lowest price.
There is an easier way!
The preferred way to lower your rates makes use of a single form to obtain quotes from many companies. The form is fast, eliminates repetitive work, and makes quoting online a little more enjoyable. After your information is entered, it is rated and you can choose your choice of the price quotes you receive. If you find a better price you simply finish the application and purchase the new policy. The whole process can be completed in less than 10 minutes and can result in significant savings.
To save time and find out how much you can save on car insurance, simply click here to open in new window and complete the simple form. If you have your current policy handy, we recommend you replicate the limits and deductibles exactly as they are listed on your policy. This way, you will be getting an apples-to-apples comparison using the same coverage and limits.
Smart consumers have a good feel for the factors that help determine your car insurance rates. Knowing what determines base rates empowers consumers to make smart changes that can help you get much lower annual insurance costs.
Companies that sell car insurance don’t list every available discount in a way that’s easy to find, so the following is a list of both the well known and the harder-to-find discounts you could be receiving.
As a disclaimer on discounts, most of the big mark downs will not be given to all coverage premiums. Most cut the price of certain insurance coverages like medical payments or collision. So despite the fact that it appears you can get free auto insurance, you won’t be that lucky.
For a list of companies with the best car insurance discounts in Durham, click here to view.
A small number of people just want to visit with an insurance agent and that is just fine! One of the great benefits of comparing insurance prices online is you may find lower rates but also keep your business local.
Once you complete this short form, your insurance data is emailed to insurance agents in Durham who will compete for your coverage. You don’t have to leave your computer as quotes are delivered to your email. Now that’s easy! Get lower rates AND an agent nearby.
Deciding on an provider should depend on more than just the price. These are valid questions to ask:
Shown below are Durham auto insurance companies that may be able to provide comparison quotes.
State Farm Insurance – 3622 Shannon Rd # 102, Durham, NC 27707 – (919) 401-6147
Allstate Insurance – 14 Consultant Pl # 150, Durham, NC 27707 – (919) 490-6667
Direct General Ins Agency – 1605 Maple Ave, Durham, NC 27701 – (919) 226-5887
Farm Bureau Insurance – 2945 S Miami Blvd # 103, Durham, NC 27703 – (919) 544-4953
Automobile Insurance Svc – 1207 N Buchanan Blvd # A, Durham, NC 27701 – (919) 286-0702
AAI Acceptance Insurance – 4215 University Dr # 4b, Durham, NC 27707 – (919) 493-2911
Once you have received positive feedback for all questions you ask and an affordable coverage quote, chances are good that you have found an insurer that can properly service your car insurance policy.
When trying to cut insurance costs, don’t be tempted to reduce needed coverages to save money. There are many occasions where an insured dropped comprehensive coverage or liability limits and learned later that they should have had better coverage. The proper strategy is to find the BEST coverage at an affordable rate while still protecting your assets.
Cost effective car insurance is definitely available online and also from your neighborhood Durham agents, and you need to comparison shop both to have the best rate selection. Some insurance companies may not provide online quoting and usually these small, regional companies provide coverage only through local independent agents.
More tips and info about car insurance is available at the North Carolina Department of Insurance website. North Carolina consumers can read enforcement actions against agents and companies, learn about specific coverages, and view agent and company licensing information.