How long have you put off shopping around for more competitive auto insurance rates in Durham, NC? Durham shoppers have lots of choices when shopping for the best price on Volkswagen R32 insurance. They can either spend hours driving around to get rate comparisons or save time using the internet to compare rates.
There are both good and bad ways to find auto insurance online and we’ll show you the absolute fastest way to compare rates on a Volkswagen and locate the lowest price either online or from Durham insurance agents.
It’s an obvious assumption that insurance companies want to keep you from comparing prices. Consumers who compare rates annually will most likely switch companies because the odds are good of finding coverage at a more affordable price. Remarkably, a study showed that people who compared rates annually saved about $865 annually compared to drivers who don’t regularly compare prices.
If finding the cheapest rates on insurance is your goal, then having a grasp of how to find companies and compare auto insurance can help you succeed in finding affordable rates.
If you’re already insured or are shopping for new coverage, use these tips to get lower rates and possibly find even better coverage. These techniques will teach you the best ways to compare prices and how to save the most money. Smart shoppers only have to learn the quickest way to compare different rates online.
The best way we recommend to get rate comparisons for Volkswagen R32 insurance in Durham takes advantage of the fact all the major auto insurance companies participate in online systems to quote your coverage. To begin a comparison, all you need to do is provide a small amount of information like daily mileage, your credit rating estimate, your occupation, and if you lease or own. Those rating factors gets transmitted to many highly-rated insurers and they return cost estimate very quickly.
To start a quote now, click here and enter the information requested.
The following companies offer price quotes in North Carolina. If you wish to find the cheapest car insurance in NC, we recommend you visit as many as you can to get the most competitive price.
Volkswagen R32 insurance discounts in Durham
Companies offering auto insurance don’t always list every discount available in an easy-to-find place, so we researched a few of the more common and also the more inconspicuous credits available to you.
- Sign Early and Save – A few car insurance companies offer discounts for buying a policy early. This can save 10% or more.
- Payment Discounts – By paying your entire bill at once instead of paying each month you could save 5% or more.
- Accident Forgiveness – This one is not really a discount per se, but certain companies permit an accident before they charge you more for coverage so long as you haven’t had any claims prior to being involved in the accident.
- Air Bags and Passive Restraints – Vehicles equipped with air bags may qualify for discounts of up to 25% or more.
- Professional Memberships – Being in a qualifying organization could trigger savings on your next car insurance statement.
As a footnote on discounts, most credits do not apply to the entire cost. The majority will only reduce the price of certain insurance coverages like physical damage coverage or medical payments. So even though you would think adding up those discounts means a free policy, company stockholders wouldn’t be very happy.
Auto insurance companies that may offer policyholders some of the discounts shown above possibly include:
It’s a good idea to ask each company or agent how many discounts you can get. All car insurance discounts may not be available in Durham. To view insurance companies with the best discounts in North Carolina, click here to view.
Informed Drivers Can Lower Their Insurance Rates
It’s important that you understand the factors that help calculate the level of your policy premiums. When consumers understand what determines premiums, this empowers consumers to make smart changes that can earn you better car insurance rates.
The items below are a partial list of the pieces used by companies to determine your premiums.
- With age comes lower prices – Older drivers tend to be more responsible, file fewer claims, and usually have better credit. Teen drivers are proven to be less responsible when driving with friends and because of this, their car insurance rates are much higher.
- Vehicles with better crash test results means better premiums – Cars with high safety ratings can get you lower premiums. Safe vehicles reduce occupant injuries and reduced instances of injuries translates directly to fewer claims which can result in lower premiums.
- Deter theft and reduce car insurance rates – Purchasing a vehicle with a theft deterrent system can get you a discount on your car insurance. Anti-theft devices like vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems all hinder your vehicle from being stolen.
- Save by driving less – The more miles you rack up on your Volkswagen annually the higher your rates will be. The majority of insurers calculate prices based on how the vehicle is used. Autos that sit idle most of the time receive lower rates as compared to vehicles used primarily for driving to work. Incorrect rating for your R32 may be costing you higher rates. Make sure your car insurance policy shows the proper vehicle usage, because improper ratings can cost you money.
- Continuous car insurance coverage saves money – Letting your insurance expire will be a sure-fire way to increase your rates. And not only will your rates increase, not being able to provide proof of insurance could earn you fines or a revoked license. Then you may be required to submit proof of financial responsibility or a SR-22 with the North Carolina department of motor vehicles.
- Lower deductibles cost more – Insurance for physical damage to your car, aka comp and collision, is used to repair damage to your Volkswagen. Examples of covered claims are running into the backend of another car, damage caused by hail, or theft. The deductibles you choose are how much you are willing to pay before a claim is paid by your company. The more the insured is willing to pay, the less money you will pay for car insurance.
- Lower rates for married couples – Walking down the aisle can actually save you money on your policy. Having a significant other generally demonstrates drivers are more stable financially and it’s statistically proven that married couples file fewer claims.
- Prices go up with performance – The performance of the car you own makes a huge difference in determining your rates. The most favorable rates are generally reserved for low performance passenger cars, but there are many factors that impact the final cost.
Local insurance agents
A small number of people would rather buy from a local agent and that can be a smart move Licensed agents are trained to spot inefficiencies and give you someone to call. An additional benefit of comparing rate quotes online is the fact that you can find cheaper prices and still have a local agent. Buying from and supporting local agents is definitely important in Durham.
To make it easy to find an agent, after completing this form (opens in new window), your insurance coverage information is immediately sent to local insurance agents in Durham who will give you quotes for your business. It makes it easy because there is no need to leave your computer because quoted prices will be sent to the email address you provide. If you have a need to quote rates from a particular provider, don’t hesitate to visit that company’s website and fill out their quote form.
If you are searching for a good Durham insurance agent, it’s helpful to know the different types of agencies and how they can service your needs differently. Auto insurance agencies can either be independent (non-exclusive) or exclusive. Either type can write auto insurance policies, but we need to point out how they differ since it can affect which agent you choose.
Independent Agencies or Brokers
Agents of this type are not employed by any specific company and that is an advantage because they can write policies through lots of different companies and find you the best rates. To move your coverage to a new company, your agent can switch companies and you don’t have to switch agencies.
When comparing rate quotes, you definitely need to get rate quotes from several independent agencies so that you have a good selection of quotes to compare. They also have the ability to place coverage with additional companies that you may not be familiar with which may have better rates.
Listed below is a short list of independent agents in Durham that can possibly get you comparison quotes.
- Bowen Agency, Inc.
4905 Pine Cone Dr Suite 5 – Durham, NC 27707 – (919) 929-4222 – View Map - Superior Insurance Durham North
3808 Guess Rd Suite J – Durham, NC 27705 – (919) 973-1507 – View Map - Reliable Insurance Agency of North Carolina Inc.
3325 Durham-Chapel Hill Blvd #200 – Durham, NC 27707 – (919) 864-9048 – View Map
Exclusive Auto Insurance Agents
These agents generally can only insure with one company and some examples include Farmers Insurance, State Farm, Allstate, and AAA. These agents are not able to compare other company’s rates so they really need to provide good service. These agents are well trained on what they offer which helps them sell insurance even at higher premiums. Consumers sometimes purchase coverage from exclusives partially due to high brand loyalty rather than low rates.
Shown below is a short list of exclusive agents in Durham willing to provide comparison quotes.
- Nationwide Insurance Marsh Dawson Agency
821 Hanson Rd – Durham, NC 27713 – (919) 806-5109 – View Map - Andy Jones – State Farm Insurance Agent
4519 N Roxboro St – Durham, NC 27704 – (919) 477-0054 – View Map - Allstate Insurance Agent: Michelle Riley
6015 Fayetteville Rd Ste 115 – Durham, NC 27713 – (919) 544-2155 – View Map
Choosing the best insurance agency requires more thought than just the quoted price. Get answers to these questions too.
- Which companies do they recommend if they are an independent agency?
- Do they reduce claim amounts on high mileage vehicles?
- Is the agency involved in supporting local community causes?
- Is the coverage adequate for your vehicle?
- Which company do they place the most coverage with?
- Does the agency have a current Errors and Omissions policy?
When do I need an agent’s advice?
When it comes to buying insurance from an agent or online, there really isn’t a perfect coverage plan. You are unique so this has to be addressed.
Here are some questions about coverages that might help in determining whether or not you might need an agent’s assistance.
- When should I drop full coverage on my Volkswagen R32?
- Are my tools covered if they get stolen from my vehicle?
- Who is covered when they drive my Volkswagen R32?
- Can I afford to pay high deductible claims out of pocket?
- How high should my uninsured/underinsured coverage be in North Carolina?
- Am I covered when using my vehicle for business?
- Is my babysitter covered when using my vehicle?
- Which companies will insure me after a DUI?
If you can’t answer these questions but you think they might apply to your situation, you may need to chat with an agent. If you don’t have a local agent, simply complete this short form or click here for a list of insurance companies in your area. It’s fast, doesn’t cost anything and can provide invaluable advice.
Auto insurance company ratings
Insuring your vehicle with the highest-rated car insurance company is difficult considering how many companies sell coverage in Durham. The ranking data listed below may help you decide which auto insurance companies to look at shopping prices with.
| 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
Compare. Compare. Compare.
When you buy Durham auto insurance online, you should never buy less coverage just to save a little money. Too many times, consumers will sacrifice physical damage coverage and learned later that it was a big error on their part. The proper strategy is to find the BEST coverage at an affordable rate but still have enough coverage for asset protection.
Budget-conscious Volkswagen R32 insurance is available on the web and from local agencies, and you need to price shop both to have the best selection. A few companies don’t offer online rate quotes and many times these smaller providers sell through local independent agencies.
How to find discount Volkswagen R32 insurance in Durham
If you want to save the most money, the best way to get low-cost Volkswagen R32 insurance in Durham is to compare quotes annually from providers who sell auto insurance in North Carolina.
- Try to comprehend how insurance companies determine prices and the things you can control to prevent expensive coverage. Many things that result in higher prices such as at-fault accidents, careless driving, and bad credit can be eliminated by paying attention to minor details.
- Compare price quotes from direct carriers, independent agents, and exclusive agents. Exclusive and direct companies can only provide price estimates from one company like Progressive or Farmers Insurance, while independent agencies can give you price quotes for many different companies. View companies
- Compare the new quotes to your current policy to determine if switching companies saves money. If you can save money and make a switch, make sure the effective date of the new policy is the same as the expiration date of the old one.
The most important part of shopping around is that you use the same amount of coverage on every price quote and and to get quotes from as many auto insurance providers as possible. This helps ensure the most accurate price comparison and a good representation of prices.
To read more, feel free to browse these articles:
- Auto Insurance Facts and Statistics (Insurance Information Institute)
- Who Has Affordable Auto Insurance for Low Income Drivers in Durham? (FAQ)
- Tools for Teen Driving Safety (State Farm)
- Car Insurance for Teen Drivers with Divorced Parents (Allstate)