Consumer Tested Strategies to Save on Durham Auto Insurance
Did you fall for a flashy sales pitch and buy overpriced auto insurance? Trust us, many Durham consumers feel financially strained by their auto insurance policy. You have multiple to buy insurance from, and though it is a good thing to have a choice, having more makes it harder to compare rates.
How much can you save with discounts?
Insurance can be prohibitively expensive, but you may find discounts to reduce the price significantly. A few discounts will automatically apply when you get a quote, but less common discounts must be asked for before you will receive the discount. If you're not getting every credit possible, you're just leaving money on the table.
- Fewer Miles Equal More Savings - Fewer annual miles can earn better rates on cars that stay parked.
- Driver Safety - Taking a course teaching defensive driving skills could possibly earn you a 5% discount depending on where you live.
- Auto/Life Discount - Companies who offer life insurance give a discount if you purchase life insurance from them.
- Senior Discount - Older drivers may be able to get reduced rates.
- Military Rewards - Having a family member in the military may qualify for rate reductions.
- Braking Control Discount - Vehicles with anti-lock braking systems can reduce accidents and will save you 10% or more.
As a disclaimer on discounts, most discount credits are not given the the whole policy. The majority will only reduce the price of certain insurance coverages like liability and collision coverage. Just because it seems like you would end up receiving a 100% discount, auto insurance companies aren't that generous. Any amount of discount will bring down the amount you have to pay.
For a list of insurers who offer auto insurance discounts in New Hampshire, click this link.
Compare the Market for Auto Insurance in Durham
Effectively comparing auto insurance prices can take time and effort if you don't know the best way to get rate quotes. You can waste hours talking to local insurance agents in Durham, or you can stay home and use the web to quickly compare rates.
Most car insurance companies take part in a program that allows shoppers to submit one quote, and each participating company provides a quote. This system prevents you from having to do quote forms for each company you want a rate for.
To submit your quote information now, click here (opens in new window).
One minor caviat to doing it this way is that consumers can't choose the companies to get pricing from. So if you want to select individual companies to request quotes from, we put together a list of the cheapest auto insurance companies in New Hampshire. Click to view list.
It's up to you how you get prices quotes, just compare identical information for each price quote. If you are comparing higher or lower deductibles it will be very difficult to truly determine the lowest rate in Durham.
In the end, you save
Cheap auto insurance can be purchased on the web and with local Durham insurance agents, so compare prices from both to have the best chance of lowering rates. There are still a few companies who do not offer online quoting and usually these regional insurance providers provide coverage only through local independent agents.
As you prepare to switch companies, it's very important that you do not sacrifice coverage to reduce premiums. There are a lot of situations where an insured dropped physical damage coverage only to discover later that the small savings ended up costing them much more. The proper strategy is to buy the best coverage you can find for the lowest price while not skimping on critical coverages.
