Unimaginable but true, nearly 70% of consumers have purchased from the same company for more than four years, and about 40% of consumers have never compared rates with other companies. North Carolina drivers could save an average of about $100 each year, but they just don’t understand how much savings they would realize if they swap their current policy for a cheaper one.
If you want to find the absolute lowest rates, then the best way to get cheaper car insurance rates in Durham is to do an annual price comparison from companies who can sell car insurance in North Carolina.
- Step 1: Spend a few minutes and learn about auto insurance and the things you can control to keep rates low. Many factors that result in higher rates such as at-fault accidents, speeding tickets, and a bad credit score can be rectified by being financially responsible and driving safely. This article provides the details to get cheaper rates and find additional discounts.
- Step 2: Get rate quotes from direct carriers, independent agents, and exclusive agents. Direct companies and exclusive agencies can provide rates from a single company like GEICO or State Farm, while independent agents can provide prices from multiple insurance companies. Click to view companies
- Step 3: Compare the new rate quotes to your existing rates and determine if there is any savings. If you can save some money, ensure there is no coverage lapse between policies.
The key thing to remember is to try to compare identical coverage information on each quote request and and to analyze as many auto insurance providers as possible. This enables a fair price comparison and the most accurate and complete price analysis.
Get lower-cost Jeep Liberty insurance in Durham with discounts
Companies don’t always publicize every available discount in a way that’s easy to find, so the list below details some of the more common as well as some of the hidden credits that may apply to you.
- Theft Deterrent System – Cars, trucks, and SUVs equipped with anti-theft or alarm systems are stolen with less frequency and that can save you a little bit as well.
- Accident Free – Drivers with accident-free driving histories can save substantially as opposed to drivers with a long claim history.
- Multi-line Discount – Not all insurance companies offer life insurance, but some may give you better prices if you take out a life policy as well.
- Professional Organizations – Having an affiliation with a qualifying organization could qualify you for a break when getting a Durham auto insurance quote.
- New Car Discount – Putting insurance coverage on a new Liberty can be considerably cheaper because newer vehicles keep occupants safer.
As is typical with insurance, some credits don’t apply to your bottom line cost. Some only apply to the cost of specific coverages such as collision or personal injury protection. So even though it sounds like having all the discounts means you get insurance for free, you won’t be that lucky.
The example below shows the comparison of Jeep Liberty car insurance costs with and without discounts applied to the policy premium. The premiums are based on a female driver, no violations or accidents, North Carolina state minimum liability limits, comprehensive and collision coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with marriage, safe-driver, claim-free, multi-policy, multi-car, and homeowner discounts applied.
Companies that may have these benefits include:
When getting a coverage quote, ask every prospective company which credits you are entitled to. Discounts may not apply to policyholders in Durham. To find companies with the best Jeep Liberty insurance discounts in North Carolina, click this link.
The quickest method we recommend to compare insurance rates from multiple companies is to know the fact car insurance companies allow for online access to give you rate quotes. To start a quote, the only thing you need to do is give them some information such as if you are currently licensed, how much school you completed, how much coverage you want, and if you require a SR-22. Those rating factors is instantly provided to all major companies and they provide comparison quotes almost instantly.
To find lower lower-cost Jeep Liberty insurance rates now, click here and complete the form.
The providers in the list below are ready to provide quotes in Durham, NC. If your goal is to find cheap car insurance in Durham, it’s highly recommended you visit several of them in order to find the most competitive rates.
Data for Jeep Liberty insurance
The premium table displayed below outlines detailed analysis of coverage prices for Jeep Liberty models. Having a better idea how policy rates are determined is important for you to make decisions when shopping your coverage around.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Liberty Sport 2WD | $162 | $262 | $254 | $16 | $76 | $770 | $64 |
| Liberty Limited 2WD | $186 | $262 | $254 | $16 | $76 | $794 | $66 |
| Liberty Renegade 4WD | $186 | $262 | $254 | $16 | $76 | $794 | $66 |
| Liberty Sport 4WD | $186 | $262 | $254 | $16 | $76 | $794 | $66 |
| Liberty Limited 4WD | $186 | $318 | $254 | $16 | $76 | $850 | $71 |
| Get Your Own Custom Quote Go | |||||||
Prices above based on married female driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and North Carolina minimum liability limits. Discounts applied include claim-free, homeowner, multi-policy, safe-driver, and multi-vehicle. Prices do not factor in your specific Durham location which can influence prices noticeably.
Higher deductibles save money
A question often asked by Durham drivers is how high or low should comp and collision deductibles be. The following tables highlight the differences in premium rates between high and low physical damage coverage deductibles. The first data table uses a $100 deductible for comprehensive and collision coverage and the second price grid uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Liberty Sport 2WD | $186 | $318 | $250 | $14 | $74 | $867 | $72 |
| Liberty Limited 2WD | $214 | $318 | $250 | $14 | $74 | $895 | $75 |
| Liberty Renegade 4WD | $214 | $318 | $250 | $14 | $74 | $895 | $75 |
| Liberty Sport 4WD | $214 | $318 | $250 | $14 | $74 | $895 | $75 |
| Liberty Limited 4WD | $214 | $386 | $250 | $14 | $74 | $963 | $80 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Liberty Sport 2WD | $136 | $214 | $250 | $14 | $74 | $688 | $57 |
| Liberty Limited 2WD | $156 | $214 | $250 | $14 | $74 | $708 | $59 |
| Liberty Renegade 4WD | $156 | $214 | $250 | $14 | $74 | $708 | $59 |
| Liberty Sport 4WD | $156 | $214 | $250 | $14 | $74 | $708 | $59 |
| Liberty Limited 4WD | $156 | $262 | $250 | $14 | $74 | $756 | $63 |
| Get Your Own Custom Quote Go | |||||||
Cost estimates assume married male driver age 30, no speeding tickets, no at-fault accidents, and North Carolina minimum liability limits. Discounts applied include multi-vehicle, multi-policy, claim-free, safe-driver, and homeowner. Estimates do not factor in garaging location in Durham which can revise insurance rates greatly.
Using the data above, we can ascertain that using a $100 deductible will cost you approximately $16 more each month or $192 a year averaged for all Liberty models than requesting the higher $500 deductible. Because you would pay $400 more if you file a claim with a $500 deductible as compared to a $100 deductible, if you tend to have more than 25 months between claim filings, you would save more money going with the higher deductible.
The example below demonstrates how deductibles and can affect Jeep Liberty annual premium costs for different categories of driver ages. The rates are based on a single female driver, comp and collision included, and no discounts are factored in.
Full coverage versus liability only rates
The example below illustrates the comparison of Jeep Liberty insurance rates with and without physical damage coverage, medical payments, and uninsured/under-insured motorist coverage. The rate quotes are based on no violations or accidents, $1,000 deductibles, drivers are single, and no discounts are applied to the premium.
Should you pay for full coverage or liability only?
There is no set rule for eliminating full coverage on your policy, but there is a general guideline. If the annual cost of having full coverage is more than around 10% of replacement cost minus your deductible, then it might be time to buy liability only.
For example, let’s say your Jeep Liberty replacement cost is $5,000 and you have $1,000 deductibles. If your vehicle is totaled, the most you would get paid by your company is $4,000 after the deductible is paid. If you are currently paying more than $400 a year for full coverage, then it’s probably a good time to buy liability coverage only.
There are some scenarios where removing full coverage is not a good plan. If you still owe money on your vehicle, you have to keep full coverage to satisfy the loan requirements. Also, if your emergency fund is not enough to purchase a different vehicle if your current one is in an accident, you should not consider dropping full coverage.
Should I talk to a local insurance agent?
A lot of people just want to have an agent’s advice and that is OK! Professional insurance agents can point out coverage gaps and help file insurance claims. One of the best bonuses of comparing auto insurance online is that you can obtain better rates and also buy local.
After completing this quick form, your information is submitted to insurance agents in Durham who will return price quotes for your coverage. It makes it easy because there is no need to search for any insurance agencies because prices are sent straight to your inbox. If you want to quote rates from a specific company, you can always visit that company’s website to submit a rate quote request.
Picking the best provider requires you to look at more than just a cheap price. These are some questions your agent should answer.
- Does the agency provide any after hours assistance?
- Are they primarily personal or commercial lines agents in Durham?
- Is coverage determined by price?
- Do you need full coverage on every vehicle?
- If your car is in the repair shop, do you have coverage for a rental car?
- Do clients work directly with the agent or are most inquiries handled by a CSR?
- Can you choose the body shop in case repairs are needed?
Pick the best car insurance agent in Durham for you
If you would like to find a reputable agency, it’s important to understand the types of agencies and how they can write your policy. Auto insurance policy providers are classified as either independent or exclusive. Either type can do a good job, but it’s worth mentioning the differences since it can impact the kind of agent you use.
Exclusive Insurance Agents
Agents that elect to be exclusive can usually just insure with one company like State Farm, AAA, and Liberty Mutual. Exclusive agents are unable to place coverage with different providers so keep that in mind. Exclusive agents are highly trained on what they offer which helps offset the inability to provide other markets. Consumers sometimes purchase coverage from exclusives primarily because of the brand name and the convenience of having all coverages with one company.
The following are Durham exclusive insurance agencies that can give you price quote information.
- NC Farm Bureau Insurance
2902 S Miami Blvd Ste A – Durham, NC 27703 – (919) 544-4953 – View Map - Nationwide Insurance: Sizsiz L Wong
105 W North Carolina 54 Ste 279 – Durham, NC 27713 – (919) 544-7000 – View Map - Debbie Leonard – State Farm Insurance Agent
3702 Hillsborough Rd #2b – Durham, NC 27705 – (919) 383-3887 – View Map
Independent Agents (or Brokers)
Independent insurance agents are not limited to a single company so they can quote policies with an assortment of companies and find the cheapest rate. To move your coverage to a new company, your agent can switch companies and you can keep the same agent.
When comparing auto insurance rates, you should always include rate quotes from independent agents to maximize your price options. Most have the option of insuring with smaller companies that may have much lower rates than larger companies.
The following is a list of independent insurance agencies in Durham that can give you price quotes.
- Herring and Bickers Insurance
2344 Operations Dr Suite 101 – Durham, NC 27705 – (919) 479-9900 – View Map - Superior Insurance Durham North
3808 Guess Rd Suite J – Durham, NC 27705 – (919) 973-1507 – View Map - The Sorgi Insurance Agency
16 Consultant Pl Suite 102 – Durham, NC 27707 – (919) 682-4814 – View Map
Best auto insurance company in Durham
Buying coverage from a highly-rated insurer can be rather challenging considering how many choices drivers have in North Carolina. The company rank data displayed below may help you choose which coverage providers you want to consider comparing rates from.
Top 10 Durham Car Insurance Companies Ranked by Value
- Travelers
- American Family
- AAA Insurance
- Safeco Insurance
- Progressive
- The Hartford
- The General
- 21st Century
- Esurance
- Titan Insurance
Top 10 Durham Car Insurance Companies Overall
- Travelers
- USAA
- AAA Insurance
- Nationwide
- Allstate
- State Farm
- The Hartford
- Safeco Insurance
- Progressive
- American Family
Be persistent and save
Insureds leave their current company for a variety of reasons including questionable increases in premium, delays in responding to claim requests, extreme rates for teen drivers or even unfair underwriting practices. It doesn’t matter why you want to switch choosing a new insurance company is easier than you think.
As you prepare to switch companies, do not skimp on critical coverages to save a buck or two. There have been many situations where consumers will sacrifice liability limits or collision coverage only to discover later that a couple dollars of savings turned into a financial nightmare. The aim is to buy enough coverage for the lowest cost, but don’t skip important coverages to save money.
Cost effective Jeep Liberty insurance is available both online and with local Durham insurance agents, and you should compare price quotes from both in order to have the best price selection to choose from. Some auto insurance companies don’t offer online price quotes and usually these smaller companies only sell coverage through local independent agents.
Helpful articles
- Property Damage Coverage (Liberty Mutual)
- Who Has Affordable Durham Auto Insurance Rates for Electric Cars? (FAQ)
- Who Has the Cheapest Durham Car Insurance Rates for Single Moms? (FAQ)
- How Much is Durham Car Insurance for 18 Year Olds? (FAQ)
- How Much is Car Insurance After a Speeding Ticket in Durham? (FAQ)
- Who Has the Cheapest Auto Insurance for a Ford Fusion in Durham? (FAQ)
- How Can I Save Money on Auto Insurance? (Insurance Information Institute)
- Insurance Losses by Make and Model (iihs.org)
- Should I Purchase an Umbrella Liability Policy? (Insurance Information Institute)
- Learn About Car Insurance (GEICO)