A recent NerdWallet.com study revealed that most car insurance buyers in North Carolina have remained with the same car insurance company for at least four years, and about 40% of consumers have never compared quotes from other companies. U.S. drivers could save approximately $860 each year just by getting comparison quotes, but they just don’t understand how easy it is to compare other rate quotes.
The most effective way to find discount Suzuki SX4 insurance in Durham is to compare quotes once a year from insurance carriers who sell auto insurance in North Carolina.
- It will benefit you to learn about coverages and the things you can change to prevent expensive coverage. Many rating criteria that cause high rates like traffic citations, accidents, and a less-than-favorable credit rating can be amended by making minor changes to your lifestyle.
- Get rate quotes from exclusive agents, independent agents, and direct providers. Exclusive agents and direct companies can only give prices from a single company like Progressive or State Farm, while independent agencies can provide rate quotes for a wide range of companies.
- Compare the quotes to your current policy to see if you can save by switching companies. If you can save money, make sure coverage is continuous and does not lapse.
- Notify your company or agent of your intention to cancel your existing policy and submit a completed application and payment to the new company. As soon as you receive it, store the proof of insurance certificate in an accessible location in your vehicle.
A good tip to remember is to try to compare the same coverage limits and deductibles on each quote request and and to get price quotes from as many companies as feasibly possible. This enables an apples-to-apples comparison and the best rate selection.
First Step: Get free Suzuki SX4 insurance quotes
It’s important to know that making a lot of price comparisons helps increase your odds of locating a lower rate.
The auto insurance companies shown below are our best choices to provide free quotes in Durham, NC. To locate cheap auto insurance in Durham, NC, it’s a good idea that you visit two to three different companies to find the most affordable auto insurance rates.
Auto insurance data for a Suzuki SX4
The information displayed next outlines different policy rates for Suzuki SX4 models. Knowing how insurance prices are calculated can assist in making informed decisions when comparing rates.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| SX4 LE | $192 | $324 | $326 | $20 | $98 | $960 | $80 |
| SX4 2WD | $220 | $266 | $326 | $20 | $98 | $930 | $78 |
| SX4 Sport S | $220 | $382 | $326 | $20 | $98 | $1,046 | $87 |
| SX4 Sport SE | $220 | $382 | $326 | $20 | $98 | $1,046 | $87 |
| SX4 Technology 2WD | $220 | $324 | $326 | $20 | $98 | $988 | $82 |
| SX4 Sportback 2WD | $220 | $324 | $326 | $20 | $98 | $988 | $82 |
| SX4 AWD AWD | $220 | $324 | $326 | $20 | $98 | $988 | $82 |
| SX4 Sport GTS | $220 | $382 | $326 | $20 | $98 | $1,046 | $87 |
| SX4 Technology AWD | $248 | $324 | $326 | $20 | $98 | $1,016 | $85 |
| SX4 Touring AWD | $248 | $324 | $326 | $20 | $98 | $1,016 | $85 |
| Get Your Own Custom Quote Go | |||||||
Above prices assume single male driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and North Carolina minimum liability limits. Discounts applied include multi-vehicle, homeowner, multi-policy, safe-driver, and claim-free. Prices do not factor in specific garaging location which can decrease or increase premium rates considerably.
Deductible comparison
The hardest decision when buying coverage is where to set your physical damage deductibles. The following insurance rates can help show the rate differences when you choose different comp and collision deductibles. The first rate comparisons uses a $250 physical damage deductible and the second price table uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| SX4 LE | $168 | $324 | $250 | $14 | $74 | $855 | $71 |
| SX4 2WD | $192 | $266 | $250 | $14 | $74 | $821 | $68 |
| SX4 Sport S | $192 | $382 | $250 | $14 | $74 | $937 | $78 |
| SX4 Sport SE | $192 | $382 | $250 | $14 | $74 | $937 | $78 |
| SX4 Technology 2WD | $192 | $324 | $250 | $14 | $74 | $879 | $73 |
| SX4 Sportback 2WD | $192 | $324 | $250 | $14 | $74 | $879 | $73 |
| SX4 AWD AWD | $192 | $324 | $250 | $14 | $74 | $879 | $73 |
| SX4 Sport GTS | $192 | $382 | $250 | $14 | $74 | $937 | $78 |
| SX4 Technology AWD | $218 | $324 | $250 | $14 | $74 | $905 | $75 |
| SX4 Touring AWD | $218 | $324 | $250 | $14 | $74 | $905 | $75 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| SX4 LE | $104 | $204 | $250 | $14 | $74 | $646 | $54 |
| SX4 2WD | $118 | $168 | $250 | $14 | $74 | $624 | $52 |
| SX4 Sport S | $118 | $240 | $250 | $14 | $74 | $696 | $58 |
| SX4 Sport SE | $118 | $240 | $250 | $14 | $74 | $696 | $58 |
| SX4 Technology 2WD | $118 | $204 | $250 | $14 | $74 | $660 | $55 |
| SX4 Sportback 2WD | $118 | $204 | $250 | $14 | $74 | $660 | $55 |
| SX4 AWD AWD | $118 | $204 | $250 | $14 | $74 | $660 | $55 |
| SX4 Sport GTS | $118 | $240 | $250 | $14 | $74 | $696 | $58 |
| SX4 Technology AWD | $134 | $204 | $250 | $14 | $74 | $676 | $56 |
| SX4 Touring AWD | $134 | $204 | $250 | $14 | $74 | $676 | $56 |
| Get Your Own Custom Quote Go | |||||||
Prices above based on married male driver age 30, no speeding tickets, no at-fault accidents, and North Carolina minimum liability limits. Discounts applied include safe-driver, multi-policy, homeowner, multi-vehicle, and claim-free. Rate quotes do not factor in garaging location in Durham which can impact price quotes noticeably.
We can estimate from the data above that using a $250 deductible costs about $18 more each month or $216 each year than buying the higher $1,000 deductible. Since the policyholder would be required to pay $750 more to settle a claim with a $1,000 deductible as compared to a $250 deductible, if you average at least 42 months between claims, you would probably come out ahead by selecting a higher deductible. Here is the way you can make this decision for your own policy.
| Average monthly premium for $250 deductibles: | $74 |
| Average monthly premium for $1,000 deductibles (subtract): | – $56 |
| Monthly savings from raising deductible: | $18 |
| Difference between deductibles ($1,000 – $250): | $750 |
| Divide difference by monthly savings: | $750 / $18 |
| Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible | 42 months |
One thing to note is that raising deductibles means you will have to cover more of the damage yourself when you do file a claim. You need to have enough extra money in order to pay more to get your vehicle repaired.
The example below demonstrates how deductibles and can increase or decrease Suzuki SX4 annual premium costs for different age groups of insureds. The premiums are based on a married female driver, full coverage, and no discounts are applied.
Males versus Females
The information below shows the comparison of Suzuki SX4 insurance prices for male and female drivers. The price estimates are based on no claims or driving citations, comprehensive and collision coverage, $1,000 deductibles, single status, and no discounts are factored in.
Get rate quotes but work with a neighborhood Durham auto insurance agent
A lot of people still like to sit down with an agent and we recommend doing that One of the best bonuses of price shopping on the web is that drivers can save money and get the lowest rates but still work with a licensed agent.
To find an agent, once you fill out this simple form, your insurance coverage information is immediately sent to companies in Durham who will return price quotes to get your business. There is no need to contact an agency since rate quotes are delivered straight to your inbox. It’s the lowest rates and an insurance agent to talk to. If you need to compare rates from a specific company, don’t hesitate to search and find their rate quote page and submit a quote form there.
Selecting an company should include more criteria than just a cheap price quote. A good agent in Durham will have answers to these questions.
- Are they actively involved in the community?
- Does the agency provide any after hours assistance?
- Are they primarily personal or commercial lines agents in Durham?
- What is the financial rating for the quoted company?
- What company do they have the most business with?
- If you have an accident, are you able to get your vehicle repaired at the shop of your choice?
- Does the agent help file claims?
- What insurance companies do they recommend if they are an independent agent?
Two types of auto insurance agents
If you’re trying to find a reputable insurance agent or broker, you must know there are a couple different agency structures and how they work. Insurance agencies in Durham are considered either independent agents or exclusive agents depending on their employer.
Exclusive Agents
Exclusive agencies have only one company to place business with and examples are Allstate, State Farm and Farmers Insurance. Exclusive agencies are unable to provide prices from multiple companies so it’s a take it or leave it situation. Exclusive agents are well trained on their company’s products which helps offset the inability to provide other markets. Consumers sometimes buy from the same agent for years mainly due to loyalty to the company rather than having the cheapest rates.
Listed below is a list of exclusive insurance agents in Durham willing to provide price quote information.
- Chuck Barham State Farm®
3823 Guess Rd – Durham, NC 27705 – (919) 477-7300 – View Map - Allstate Insurance Agent: Michael D. Maffeo
2705 N Duke St Ste 203 – Durham, NC 27704 – (919) 479-5085 – View Map - Ashley Manuel – State Farm Insurance Agent
5842 Fayetteville Rd #112 – Durham, NC 27713 – (919) 544-8101 – View Map
Independent Insurance Agents
Agents of this type are appointed with more than one company so they have the ability to put coverage through lots of different companies and find the cheapest car insurance rates. If you want to switch companies, they can switch companies in-house without you having to go to a different agency. When searching for an agent, you definitely need to check rates from at a minimum one independent agency so that you can do a thorough price comparison. Many independent agencies also insure through different regional companies who may have lower rates.
Below is a short list of independent agencies in Durham that can give you comparison quotes.
- Bull City Insurance
121 Sherron Rd #302 – Durham, NC 27703 – (919) 596-0671 – View Map - Reliable Insurance Agency of North Carolina Inc.
3325 Durham-Chapel Hill Blvd #200 – Durham, NC 27707 – (919) 864-9048 – View Map - Knox Insurance Agency
200 Meredith Dr Suite 104 – Durham, NC 27713 – (919) 313-6411 – View Map
If you receive satisfactory answers for all questions you ask and an affordable coverage quote, you may have just found an insurance agent that can be trusted to properly insure your vehicles. But keep in mind policyholders can cancel a policy whenever you choose to so never feel that you’re stuck with any specific company for a certain time period.
Best auto insurance in Durham
Selecting a highly-rated auto insurance company can be difficult considering how many different companies there are to choose from in North Carolina. The ranking information shown below may help you pick which insurers you want to consider when shopping your coverage around.
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+
Top 10 Durham Car Insurance Companies Ranked by Claims Service
- Travelers
- Nationwide
- Allstate
- State Farm
- Liberty Mutual
- GEICO
- American Family
- Esurance
- Titan Insurance
- AAA Insurance