Cheap 2012 Dodge Durango Insurance Rates

Searching for the cheapest auto insurance rates for your Dodge Durango? Locating the cheapest insurance for your Dodge Durango can turn out to be a painful process, but you can follow a few tricks to make it easier.

There is a right way and a wrong way to find auto insurance online so you’re going to learn the best way to price shop coverage for a new or used Dodge and find the best price possible.

You need to do price comparisons occasionally because insurance rates are variable and change quite frequently. Just because you found the lowest premium rates for Durango coverage a couple years back there is a good chance you can find better prices now. Block out anything you think you know about auto insurance because you’re going to learn how to quote online to reduce your cost while increasing coverage.

Smart buyers can slash their insurance rates

Multiple criteria are used in the calculation when pricing auto insurance. Some factors are common sense like your driving record, although some other factors are more obscure like your vehicle usage or how financially stable you are.A large part of saving on insurance coverage is knowing the different types of things that go into determining your premiums. When consumers understand what determines base rates, this empowers consumers to make smart changes that can earn you cheaper rates.

Shown below are a few of the “ingredients” that factor into your rate level.

  • Cautious drivers have lower costs – A bad driving record impacts premiums far more than you think. Just one citation can bump up the cost forty percent or more. Attentive drivers tend to pay less for car insurance than people who have multiple driving citations. Drivers who have received dangerous citations such as DUI or willful reckless driving are required to complete a SR-22 with their state DMV in order to prevent a license revocation.
  • Avoid unnecessary extra policy coverages – Insurance policies have a lot of add-on coverages that can add up when buying insurance coverage. Insurance for vanishing deductibles, towing coverage, and extra equipment coverage may be wasting your money. They may seem good when you first buy your policy, but your money might be better spent on other coverage so remove them from your policy.
  • Discounts for auto and home policies – Some insurance coverage companies afford better rates to customers who consolidate policies with them. It’s known as a multi-policy discount. Even with this discount applied, it’s still a good idea to compare rates to make sure you are getting the best deal.There is a good possibility that you can save more without the discount by buying insurance from more than one company.
  • Annual miles impacts prices – Driving a lot of miles annually the higher the price you pay to insure it. A lot of companies price each vehicle’s coverage determined by how the vehicle is used. Vehicles used primarily for pleasure use can be on a lower rate level than those used for commuting. Incorrect rating for your Durango is throwing money out the window. Make sure your vehicle rating properly reflects the right rating data, because it can save money.
  • Prevent your car from being stolen – Driving a car with a theft deterrent system can earn a premium discount. Theft deterrent systems like vehicle immobilizer systems, OnStar, and tracking devices like LoJack help track and prevent your vehicle from being stolen.
  • Excellent credit saves on insurance coverage – A driver’s credit score is a large factor in calculating your insurance coverage rates. So if your credit score can be improved, you could be paying less to insure your 2012 Dodge Durango by repairing your credit. People that have excellent credit tend to be more responsible than drivers with lower credit ratings.
  • Cheaper insurance coverage rates with safer cars – Vehicles with good safety scores tend to have lower insurance rates. Safer cars reduce occupant injuries and reduced instances of injuries translates into savings for insurance companies which can result in lower premiums.
  • Where you reside factors in – Having an address in a small town can be a good thing when trying to find low car insurance rates. Urban drivers tend to have traffic congestion and much longer commute distances. Lower population translates into fewer accident claims and also fewer theft and vandalism claims.

Drivers can save with these discounts

Car insurance is not cheap, but you can get discounts to help bring down the price. Certain reductions will be credited at the time you complete a quote, but some need to be specially asked for before you will receive the discount.

  • Driver’s Ed – Reduce the cost of insurance for teen drivers by having them successfully complete driver’s ed class in high school.
  • Accident-Free Discounts – Insureds with no claims or accidents can save substantially in comparison to drivers who are more careless.
  • Senior Discount – Older drivers are able to get lower premium rates for Durango coverage.
  • Discounts for Multiple Vehicles – Purchasing coverage when you have more than one vehicle on a single policy can reduce the rates for all insured vehicles.
  • Air Bag Discount – Vehicles with factory air bags or motorized seat belts may qualify for discounts up to 30%.
  • Discounts for Government Workers – Federal government employees can earn a discount up to 10% for Durango coverage with certain companies.
  • Own a Home and Save – Just being a homeowner can earn you a little savings because of the fact that having a home is proof that your finances are in order.
  • Good Driver Discount – Accident-free drivers can save as much as half off their rates for Durango coverage compared to rates paid by drivers with frequent claims.
  • Professional Memberships – Having an affiliation with specific professional or occupational memberships or organizations can get you a small discount when shopping for auto insurance.
  • ABS Brakes – Cars, trucks, and SUVs that have steering control and anti-lock brakes have fewer accidents and qualify for as much as a 10% discount.

You can save money using discounts, but some credits don’t apply the the whole policy. A few only apply to the cost of specific coverages such as collision or personal injury protection. Just because it seems like you would end up receiving a 100% discount, it doesn’t quite work that way. But any discount will lower your auto insurance premiums.

For a list of auto insurance companies with the best discounts, click this link.

The car insurance bait and switch

Consumers can’t ignore all the ads for cheaper car insurance from the likes of Allstate, GEICO and Progressive. All the companies seem to make the promise that drivers will save a bundle if you just switch your coverage.

But how can every company charge less that you’re paying now?

Car insurance companies have a preferred profile for the type of driver that will not have excessive claims. An example of a desirable insured might be over age 30, insures multiple vehicles, and the vehicle is rated for pleasure use. Anyone that hits that “sweet spot” will get a cheap rate quote and as a result will probably save a lot if they switch.

Consumers who do not meet those standards may be required to pay higher premiums and ends up with the customer not buying. If you listen closely, the ads state “drivers who switch” not “everybody who quotes” can save as much as they claim. That’s the way insurance companies can make claims like that.

This emphasizes why it is so important to quote coverage with many companies. It is impossible to guess with any certainty which company will give you lower prices than your current company.

Special considerations

When choosing proper insurance coverage, there isn’t really a “best” method to buy coverage. Each situation is unique.

Here are some questions about coverages that might point out whether you will benefit from professional help.

  • Can I rate high risk drivers on liability-only vehicles?
  • Is upholstery damage covered by car insurance?
  • What vehicles should carry emergency assistance coverage?
  • Is business equipment covered while in my vehicle?
  • How many claims can I have before being cancelled?
  • Why am I be forced to buy a membership to get insurance from some companies?
  • Does having multiple vehicles earn me a discount?
  • Is borrowed equipment or tools covered if stolen or damaged?
  • Will filing a claim cost me more?

If you’re not sure about those questions but one or more may apply to you, you might consider talking to a licensed agent. To find an agent in your area, complete this form. It is quick, free and can help protect your family.

Specific coverage details

Having a good grasp of a auto insurance policy can be of help when determining which coverages you need for your vehicles. The coverage terms in a policy can be ambiguous and coverage can change by endorsement.

Liability car insurance – This will cover injuries or damage you cause to other people or property by causing an accident. This coverage protects you from claims by other people, and doesn’t cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. Your policy might show limits of 100/300/100 which means $100,000 bodily injury coverage, $300,000 for the entire accident, and a limit of $100,000 paid for damaged property. Some companies may use a combined limit which limits claims to one amount rather than limiting it on a per person basis.

Liability can pay for things like medical expenses, funeral expenses and attorney fees. How much liability coverage do you need? That is a decision to put some thought into, but you should buy as much as you can afford.

Comprehensive coverage – Comprehensive insurance pays for damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive coverage protects against things such as a broken windshield, fire damage and a tree branch falling on your vehicle. The most a auto insurance company will pay at claim time is the market value of your vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Uninsured/Underinsured Motorist coverage – This provides protection from other motorists when they either are underinsured or have no liability coverage at all. This coverage pays for medical payments for you and your occupants as well as your vehicle’s damage.

Since many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is a good idea. Normally these coverages are set the same as your liablity limits.

Collision coverage – Collision insurance covers damage to your Durango caused by collision with another vehicle or an object, but not an animal. A deductible applies then the remaining damage will be paid by your insurance company.

Collision coverage protects against things such as hitting a parking meter, colliding with a tree, scraping a guard rail, damaging your car on a curb and sustaining damage from a pot hole. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are older. Another option is to choose a higher deductible to save money on collision insurance.

Medical payments coverage and PIP – Personal Injury Protection (PIP) and medical payments coverage kick in for short-term medical expenses for things like dental work, ambulance fees, EMT expenses and doctor visits. They are used to fill the gap from your health insurance plan or if there is no health insurance coverage. Medical payments and PIP cover all vehicle occupants and also covers any family member struck as a pedestrian. PIP is not universally available and gives slightly broader coverage than med pay

A penny earned…

Drivers who switch companies do it for a variety of reasons including policy non-renewal, high rates after DUI convictions, questionable increases in premium and even not issuing a premium refund. Regardless of your reason, finding a great new company is actually quite simple.

More affordable car insurance can be found on the web and from local insurance agents, so get free insurance coverage quotes from both of them to have the best chance of lowering rates. A few companies may not provide the ability to get quotes online and usually these smaller providers only sell through independent agencies.

As you quote insurance coverage, it’s very important that you do not skimp on critical coverages to save a buck or two. There have been many cases where someone dropped uninsured motorist or liability limits and discovered at claim time they didn’t have enough coverage. The goal is to get the best coverage possible at the best possible price, but do not sacrifice coverage to save money.

Additional information can be found at the links below