It’s an obvious assumption that insurance companies don’t want their customers to go rate shopping. Insureds who compare price quotes are highly likely to buy a new policy because of the good chance of finding a lower-priced company. A study discovered that drivers who regularly compared price quotes saved about $865 annually compared to people who never shopped around.
If saving the most money on Chrysler Sebring insurance in Durham is your ultimate target, learning how to choose a company and compare cheaper coverage can make it easier to find better rates.
The recommended way to get the cheapest Chrysler Sebring insurance is to regularly compare price quotes from insurance carriers in Durham. You can compare rates by completing these steps.
- Step 1: Try to learn about how your policy works and the things you can change to keep rates in check. Many factors that are responsible for high rates such as traffic violations, accidents, and an imperfect credit rating can be eliminated by being financially responsible and driving safely.
- Step 2: Compare price quotes from direct carriers, independent agents, and exclusive agents. Exclusive agents and direct companies can only give prices from a single company like Progressive or Allstate, while agents who are independent can provide prices from many different companies.
- Step 3: Compare the new rate quotes to the price on your current policy to see if a cheaper price is available. If you find a better price and decide to switch, make sure coverage is continuous and does not lapse.
- Step 4: Notify your current company to cancel your current car insurance policy. Submit payment along with a signed and completed policy application for the new coverage. Be sure to place your new proof of insurance certificate with your vehicle’s registration.
A crucial key to this process is that you’ll want to make sure you compare the same liability limits and deductibles on every quote request and and to get rate quotes from as many carriers as you can. This enables a fair rate comparison and a complete price analysis.
Locating the best rates in Durham is not that difficult. If you have insurance now or need a new policy, you can learn to save money and still have adequate protection. Smart buyers just have to understand the quickest way to compare prices instantly.
Free Durham Chrysler Sebring insurance rate quotes
The companies shown below offer comparison quotes in North Carolina. If you want to find cheap auto insurance in NC, we suggest you visit as many as you can in order to get a fair rate comparison.
Premium rates and analysis
The data table displayed below covers different insurance costs for Chrysler Sebring models. Having a better understanding of how rate quotes are established can help drivers make decisions when shopping around.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Sebring Touring 4-Dr Sedan | $238 | $560 | $336 | $20 | $100 | $1,254 | $105 |
| Sebring Limited 4-Dr Sedan | $238 | $560 | $336 | $20 | $100 | $1,254 | $105 |
| Sebring LX 2-Dr Convertible | $268 | $560 | $336 | $20 | $100 | $1,284 | $107 |
| Sebring Touring 2-Dr Convertible | $268 | $560 | $336 | $20 | $100 | $1,284 | $107 |
| Sebring Limited 2-Dr Convertible | $300 | $646 | $336 | $20 | $100 | $1,402 | $117 |
| Get Your Own Custom Quote Go | |||||||
Data variables include single female driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and North Carolina minimum liability limits. Discounts applied include safe-driver, multi-vehicle, claim-free, multi-policy, and homeowner. Estimates do not factor in zip code location which can decrease or increase prices noticeably.
Comparison of policy deductibles
A question often asked by Durham drivers is the level to set your comp and collision deductibles. The rates below may help to illustrate the difference in cost between high and low deductibles. The first rate quote example uses a $100 deductible for physical damage and the second rate table uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Sebring Touring 4-Dr Sedan | $214 | $456 | $250 | $14 | $74 | $1,033 | $86 |
| Sebring Limited 4-Dr Sedan | $214 | $456 | $250 | $14 | $74 | $1,033 | $86 |
| Sebring LX 2-Dr Convertible | $242 | $456 | $250 | $14 | $74 | $1,061 | $88 |
| Sebring Touring 2-Dr Convertible | $242 | $456 | $250 | $14 | $74 | $1,061 | $88 |
| Sebring Limited 2-Dr Convertible | $270 | $524 | $250 | $14 | $74 | $1,157 | $96 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Sebring Touring 4-Dr Sedan | $156 | $308 | $250 | $14 | $74 | $802 | $67 |
| Sebring Limited 4-Dr Sedan | $156 | $308 | $250 | $14 | $74 | $802 | $67 |
| Sebring LX 2-Dr Convertible | $176 | $308 | $250 | $14 | $74 | $822 | $69 |
| Sebring Touring 2-Dr Convertible | $176 | $308 | $250 | $14 | $74 | $822 | $69 |
| Sebring Limited 2-Dr Convertible | $196 | $354 | $250 | $14 | $74 | $888 | $74 |
| Get Your Own Custom Quote Go | |||||||
Table data represents married male driver age 30, no speeding tickets, no at-fault accidents, and North Carolina minimum liability limits. Discounts applied include multi-policy, multi-vehicle, claim-free, safe-driver, and homeowner. Rate quotes do not factor in the specific area where the vehicle is garaged which can influence coverage rates considerably.
Using the premium rates above, we can conclude that using a $100 deductible costs an average of $20 more each month or $240 for a full year averaged for all Sebring models than requesting the higher $500 deductible. Since you would have to pay $400 more out-of-pocket with a $500 deductible as compared to a $100 deductible, if you normally go more than 20 months between claim filings, you would probably save some money if you elect the higher deductible.
The information below illustrates how your choice of deductibles and can increase or decrease Chrysler Sebring yearly insurance costs for different age groups. The prices are based on a single female driver, full physical damage coverage, and no policy discounts are applied.
Drive safe and save
The illustration below shows how violations and at-fault collisions can raise Chrysler Sebring auto insurance costs for each different age category. Data assumes a single male driver, full coverage, $1,000 deductibles, and no policy discounts are applied.
Protect more than your Sebring
Even though Durham Sebring insurance rates can get expensive, insuring your vehicle serves a purpose in several ways.
- Almost all states have minimum liability requirements which means it is punishable by state law to not carry specific limits of liability if you don’t want to risk a ticket. 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.
- If your Sebring has a lienholder, it’s most likely the lender will make it mandatory that you carry insurance to ensure they get paid if you total the vehicle. If you do not keep the policy in force, the lender will be forced to insure your Chrysler at a significantly higher premium and require you to pay the higher price.
- Insurance protects your car and your assets. It will also cover many types of medical costs for you, your passengers, and anyone else injured in an accident. Liability coverage, the one required by state law, also covers legal expenses if you are sued as the result of your driving. If your vehicle suffers damage from an accident or hail, your insurance policy will pay to repair the damage.
The benefits of having insurance outweigh the cost, particularly for liability claims. According to a recent study, the average American driver is wasting up to $825 a year so compare rate quotes once a year at a minimum to help ensure money is not being wasted.
Durham Insurance Prices are Influenced by These Factors
Consumers need to have an understanding of the rating factors that help determine your auto insurance rates. When you understand what influences your rates, this enables informed choices that could result in cheaper rates.
The itemized list below are just a few of the factors used by companies to determine rates.
Put fewer miles on your vehicle – The higher the mileage driven annually the more it will cost to insure it. Most companies charge rates based upon how much you drive. Cars and trucks that do not get driven very much qualify for better rates than vehicles that are driven to work every day. Make sure your auto insurance policy properly reflects the proper vehicle usage. A policy that improperly rates your Sebring can result in significantly higher rates.
Stress out and pay more – Occupational choices like doctors, architects, and emergency personnel generally pay higher rates than average because of high stress and lengthy work days. Conversely, jobs like scientists, athletes and performers pay lower than average rates.
Alarms and GPS tracking systems cut premiums – Selecting a car model with an alarm system can get you a discount on your auto insurance. Theft prevention features such as OnStar found on GM vehicles, advanced tracking like LoJack, and vehicle immobilization systems can help prevent car theft and help bring rates down.
Gender as a rate factor – Statistics show women tend to be less risk to insure than men. The data does not necessarily mean that men are WORSE drivers than women. Women and men cause fender benders in similar numbers, but men have costlier accidents. Not only are claims higher, but men receive more major tickets like DUI and reckless driving.
The information below illustrates the difference between Chrysler Sebring insurance prices for male and female drivers. The rates are based on no claims or driving violations, comprehensive and collision coverage, $100 deductibles, drivers are not married, and no policy discounts are applied.
Reduce auto insurance rates by driving safer vehicles – Vehicles that have high safety ratings tend to have lower insurance rates. Vehicles built for safety reduce occupant injuries and fewer injuries means lower claim amounts and thus lower rates. If your Chrysler Sebring scored at minimum four stars on Safercar.gov you are probably receiving a discount.
High performance vehicles cost more to insure – The performance level of the car or truck you are buying insurance for makes a big difference in your car insurance bill. Lower cost passenger vehicles usually have the lowest rates, but there are many factors that impact the final cost.
The chart below is based on a single male driver age 50, full coverage with $1000 deductibles, and no discounts or violations. It illustrates Chrysler Sebring insurance rates compared to other models of vehicles that have a range of performances.
Credit rating impacts rates – Having a good credit history is likely to be a major factor in determining what you pay. Drivers who have excellent credit tend to be more responsible and file fewer claims than drivers with poor credit scores. If your credit history is not that good, you may save money insuring your Chrysler Sebring by spending a little time repairing your credit.
It’s not one size fits all
Always remember that when buying a policy for your vehicles, there isn’t really a best way to insure your cars. Every insured’s situation is different.
For instance, these questions can help discover whether your personal situation will benefit from professional help.
- If my pet gets injured in an accident are they covered?
- Is coverage enough to protect my assets?
- Am I covered if I hit a deer?
- When should I drop full coverage on my Chrysler Sebring?
- Are split liability limits better than a combined single limit?
- Does my policy cover me when driving someone else’s vehicle?
If you’re not sure about those questions, you may need to chat with an agent. To find lower rates from a local agent, fill out this quick form. It is quick, free and can help protect your family.
Ratings for Durham auto insurance companies
Finding a highly-rated insurance provider can be a challenge considering how many companies sell insurance in North Carolina. The company rank data in the lists below can help you decide which coverage providers you want to consider to insure your vehicles.
| Company | Value | Customer Service | Claims | Customer Satisfaction | A.M Best Rating | Overall Score |
|---|---|---|---|---|---|---|
| Travelers | 93 | 98 | 99 | 88% | A++ | 95.1 |
| USAA | 83 | 99 | 100 | 91% | A++ | 94.1 |
| AAA Insurance | 91 | 95 | 92 | 90% | A | 93.3 |
| Nationwide | 85 | 95 | 97 | 89% | A+ | 92.4 |
| Allstate | 77 | 100 | 97 | 88% | A+ | 90.7 |
| State Farm | 80 | 94 | 96 | 88% | A++ | 90.6 |
| The Hartford | 88 | 93 | 91 | 87% | A+ | 90.4 |
| Safeco Insurance | 91 | 95 | 85 | 88% | A | 90.2 |
| Progressive | 88 | 94 | 83 | 88% | A+ | 90.1 |
| American Family | 91 | 86 | 95 | 83% | A | 89.7 |
| Esurance | 86 | 90 | 94 | 90% | A+ | 89.5 |
| The General | 86 | 93 | 89 | 84% | A- | 88.2 |
| GEICO | 79 | 89 | 95 | 87% | A++ | 87.8 |
| Titan Insurance | 86 | 82 | 92 | 86% | A+ | 86.5 |
| 21st Century | 86 | 82 | 90 | 84% | A | 86.4 |
| Liberty Mutual | 79 | 87 | 95 | 78% | A | 85.3 |
| Farmers Insurance | 77 | 80 | 80 | 84% | A | 80.3 |
| Compare Rates Now Go | ||||||
Data Source: Insure.com Best Car Insurance Companies
Cover all your bases
Insureds who switch companies do it for a number of reasons such as policy cancellation, an unsatisfactory settlement offer, policy non-renewal or even high prices. Regardless of your reason for switching companies, switching companies is actually quite simple.
While you’re price shopping online, don’t be tempted to reduce needed coverages to save money. There have been many cases where drivers have reduced collision coverage and discovered at claim time that their decision to reduce coverage ended up costing them more. The goal is to get the best coverage possible at the best possible price, but do not skimp to save money.
Budget-conscious Chrysler Sebring insurance can be bought on the web in addition to many Durham insurance agents, so you need to quote Durham auto insurance with both so you have a total pricing picture. There are still a few companies who may not offer the ability to get quotes online and most of the time these small, regional companies provide coverage only through independent agents.
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