Durham, North Carolina was practically formed by the highway, as US Route 70 brought trade and industry to the city. Many drivers call Durham home, and as such, Durham car insurance quotes can sometimes skew high. Understanding some of the actions that drivers can take to get low premiums is very important to budgeting, and can help ease the some of the costs of driving in the city.
One way to lower premiums is through insurance company discounts. Most car insurers offer their customers incentives to decrease their driving risks, but many policy holders are unaware of these programs. For instance, a standard car insurance policy usually offers discounted rates to drivers that take defensive driving courses. This is a well known method for decreasing the impact of a traffic citation, but it can potentially benefit any driving record. As Durham is a fairly large city, drivers should also look into public transportation routes to see if they can keep their mileage low enough to qualify for a low mileage discount.
Driving a safe vehicle is especially important in cities like Durham, where insurance costs can be pushed up by heavy traffic. Safe vehicles cost much less to insure, as the risk of a major claim is lowered. Durham car insurance costs are fairly low on average compared to other cities, and part of this is due to the city's relatively low theft rates. However, most drivers will find less expensive Durham auto insurance quotes after installing a car alarm or taking other steps to minimize the chances of theft. Contact your insurance agent to see what discount programs are available, and to get tips on minimizing your risks.
There are about 233,000 people in the Durham metropolitan area according to the United States census, making the town a fairly major city. From an insurance company's viewpoint, this is important. More people in a city usually means more drivers, and more drivers means more insurance claims. However, this isn't always the case, since insurers use statistics based on percentages rather than raw numbers; as such, a driver's zip code is incredibly important. Insurance companies use zip codes, rather than cities of residency, to calculate the chances of a claim, auto theft, etc. Before deciding on a policy, a driver's best course of action is to gather several insurance quotes based on zip code. We offer a tool that allows Durham drivers to accomplish this quickly and easily. It's well worth the time, as drivers that research several quotes pay far less than drivers who only get one or two.