Really, the only way to find affordable quotes for Kia Niro insurance in Durham is to begin comparing prices regularly from providers who sell insurance in North Carolina. You can shop around by following these steps.
- Try to comprehend what coverages are included in your policy and the steps you can take to prevent high rates. Many factors that drive up the price like accidents, traffic tickets, and an unacceptable credit score can be improved by being financially responsible and driving safely.
- Compare rates from independent agents, exclusive agents, and direct companies. Exclusive agents and direct companies can only quote rates from a single company like Progressive or Farmers Insurance, while independent agencies can quote rates from multiple insurance companies.
- Compare the price quotes to the price on your current policy to determine if switching companies saves money. If you find a better price and make a switch, make sure there is no coverage gap between policies.
A key point to remember is that you’ll want to make sure you compare the same deductibles and limits on every quote request and and to get price quotes from as many companies as possible. Doing this guarantees the most accurate price comparison and a thorough selection of prices.
It’s an obvious statement that auto insurance companies want to keep your business as long as possible. People who do rate comparisons will probably buy a different policy because they stand a good chance of finding a policy with better rates. Surprisingly, a recent survey revealed that drivers who routinely shopped for cheaper coverage saved approximately $70 a month compared to drivers who don’t regularly compare prices.
If finding the most affordable car insurance is the reason for your visit, knowing how to quote and compare insurance rates can help simplify the task of finding more affordable coverage.
Our goal is to introduce you to the best ways to compare prices and how to save the most money. If you already have coverage, you should be able to save money using the ideas covered in this article. Smart buyers just have to know the fastest way to compare rates over the internet.
Durham Insurance Rates are Influenced by These Factors
Many factors are part of the equation when pricing auto insurance. Some are obvious such as your driving history, but other factors are more obscure like your vehicle usage or your vehicle rating.
Listed below are some of the things used by your company to calculate your rates.
- Pleasure use saves money – The higher the miles on your Kia in a year the more it will cost to insure it. Most companies price each vehicle’s coverage based upon how you use the vehicle. Autos that are left in the garage qualify for better rates than those used for commuting. It’s always a good idea to double check that your insurance policy is rated on annual mileage, because improper ratings can cost you money. Having an incorrect usage rating on your Niro can result in significantly higher rates.
- Older drivers pay less – Teenage drivers in North Carolina are known to be easily distracted when behind the wheel so they pay higher insurance rates. Older people are more cautious drivers, statistically cause fewer accidents, and are generally more financially stable.
- Men pay higher prices – The statistics show women are more cautious behind the wheel. However, this does not mean women are BETTER drivers than men. Both genders get in fender benders at a similar rate, but males have costlier accidents. Men also get ticketed for serious violations like driving under the influence (DUI).
- Rates impacted by your city – Being located in smaller towns and rural areas of the country is a positive aspect when trying to find low car insurance rates. Fewer drivers and short commutes translates into fewer accidents in addition to fewer liability claims. Drivers who live in large North Carolina cities have traffic congestion and longer commutes to work. Longer commute distances means more chances of being involved in an auto accident.
- Avoid traffic tickets – How you drive has a big impact on rates. Even one citation can increase the cost of insurance by as much as thirty percent. Attentive drivers pay lower auto insurance prices compared to drivers with tickets. Drivers who have received careless citations such as reckless driving, hit and run or driving under the influence might be required by their state to prove financial responsibility to the state department of motor vehicles in order to prevent a license revocation.
- High physical damage deductibles cost less – Physical damage protection, commonly called comprehensive (or other-than-collision) and collision coverage, covers damage that occurs to your Kia. Some examples of claims that would be covered are collision with another vehicle, vandalism, and damage from a fallen tree branch. Deductibles for physical damage tell how much you are required to spend out-of-pocket if a covered claim is submitted. The higher the amount you’re willing to pay, the less money you will pay for insurance.
Ratings for North Carolina auto insurance companies
Picking the highest-rated insurance company can be a challenge considering how many different companies sell coverage in Durham. The company ratings in the next section may help you select which auto insurers you want to consider comparing rates with.
Top 10 Durham Car Insurance Companies Ranked by Customer Satisfaction
- USAA – 91%
- AAA Insurance – 90%
- Esurance – 90%
- Nationwide – 89%
- Travelers – 88%
- Progressive – 88%
- Safeco Insurance – 88%
- State Farm – 88%
- Allstate – 88%
- The Hartford – 87%
Top 10 Durham Car Insurance Companies by A.M. Best Rank
- Travelers – A++
- USAA – A++
- GEICO – A++
- State Farm – A++
- Titan Insurance – A+
- Esurance – A+
- Progressive – A+
- Nationwide – A+
- The Hartford – A+
- Allstate – A+
Quote. Compare. Save.
As you go through the steps to switch your coverage, it’s very important that you do not reduce coverage to reduce premium. In many cases, an insured dropped collision coverage only to regret that the savings was not a smart move. Your strategy should be to purchase plenty of coverage at the best cost, not the least amount of coverage.
Affordable Kia Niro insurance in Durham is attainable from both online companies and with local Durham insurance agents, so get free Durham car insurance quotes from both of them to get a complete price analysis. Some companies may not offer the ability to get quotes online and most of the time these small, regional companies provide coverage only through independent agents.
To read more, take a look at these articles:
- Insurance losses by make and model (Insurance Institute for Highway Safety)
- How Much is Durham Car Insurance for Young Drivers? (FAQ)
- Who Has Cheap Auto Insurance Rates for Used Cars in Durham? (FAQ)
- How Much is Auto Insurance for 4×4 Vehicles in Durham? (FAQ)
- Warning systems don’t curb driver distraction (Insurance Institute for Highway Safety)
- If I File a Claim will My Insurance Go Up? (Insurance Information Institute)
- Airbag FAQ (iihs.org)