Learn How to Find a Car Insurance Agent in Durham

Finding good auto insurance in Durham can be challenging since there are a lot of options and finding the best North Carolina insurance agency takes more work than just calling the closest agent. You require a good agent, but also the best possible rates.

Drivers have multiple car insurance agents to buy insurance from, and although it’s a good thing to be able to choose, it can be more difficult to compare company pricing.

Local Durham auto insurance agents

Educated insurance agents can answer important questions and help file insurance claims. One of the great benefits of comparing rates online is you can get better rates but also keep your business local.

Once you complete this simple form, your coverage information is emailed to agents in your area who will compete to get your business. You won’t need to visit any agencies due to the fact that quote results will go directly to your email. Now that’s easy!

Choosing an insurance agent shouldn’t rely on just the price. These questions are important to ask:

  • Does the agent have professional designations like CIC, CPCU or AIC?
  • Do they review policy coverages at every renewal?
  • Is the agent and/or agency licensed to do business in North Carolina?
  • What insurance companies do they work with?
  • Is working in the agency their full-time job?
  • What insurance companies do they recommend if they are an independent agent?

Below are agents in Durham that may be able to provide price quote information.

Jessup Insurance – 3113 Guess Rd, Durham, NC 27705 – (919) 479-6996
Insurance Educators – 4823 Meadow Dr # 107, Durham, NC 27713 – (919) 361-0780
State Farm Insurance – 2905 Guess Rd # 2, Durham, NC 27705 – (919) 471-0011
Independent Agency Svc – 4020 Stirrup Creek Dr, Durham, NC 27703 – (919) 361-4760
Allstate Insurance – 3813 University Dr, Durham, NC 27707 – (919) 493-7471
Farm Bureau Insurance – 4516 N Roxboro St, Durham, NC 27704 – (919) 477-9861

Once you have received answers to your satisfaction for all questions you ask and an acceptable price quote, you may have just found an insurance agency that can insure your vehicles.

When might I need an agent?

When it comes to choosing coverage, there really is no “perfect” insurance plan. Coverage needs to be tailored to your specific needs so your insurance needs to address that. For instance, these questions may help highlight if your situation will benefit from professional help.

  • Does my policy cover my teen driver if they drive my company car?
  • Which companies will insure high-risk drivers?
  • Why am I required to buy high-risk coverage?
  • Can I drive in Mexico and have coverage?
  • Do I really need UM/UIM coverage?
  • What can I do if my company denied a claim?
  • Can I afford to pay high deductible claims out of pocket?
  • What if I don’t agree with a claim settlement offer?

If you can’t answer these questions, then you may want to think about talking to an agent.

Does buying direct online save money because there is no agent?

Professional insurance agents are perfect for certain consumers, but North Carolina drivers can also buy direct online. Some car insurance companies who have local Durham agents also allow consumers to buy online, and that can save time if you’re trying to lower your rates.

If you’re anxious about not having someone to ask questions when buying direct, don’t sweat it. All companies provide access to licensed agents for getting advice on proper coverages.

Are online premiums lower? The answer is complex due to the fact that there are many factors that determine your policy premium. You may think that buying direct reduces premiums because there is no agent. For most companies selling online, however, online and traditional media advertising are expensive and this tends to eat up any savings.

What is YOUR best insurance company?

When shopping online for auto insurance, never buy poor coverage just to save money. There are too many instances where an insured cut liability limits or collision coverage only to regret that the few dollars in savings costed them thousands. The aim is to purchase plenty of coverage at an affordable rate.

Discount auto insurance can be sourced both online as well as from independent agents in Durham, and you need to price shop both in order to have the best price selection to choose from. There are still a few companies who don’t offer the ability to get a quote online and most of the time these small, regional companies sell through independent agents.

Find Durham NC insurance agent

North Carolina auto insurance information

Even more information is available at the North Carolina Department of Insurance website. North Carolina drivers can get help finding coverage, learn about insurance regulations, and read industry bulletins.

The following articles may also be useful.