Cheap 2014 Dodge Durango Car Insurance Quotes

Searching for better insurance coverage rates for your Dodge Durango? Paying for expensive Dodge Durango insurance can stress out your bank account and force you to make tough financial choices. Comparing rate quotes is free, only takes a few minutes, and is a good way to lower your monthly bill.

You have multiple car insurance companies to insure vehicles with, and though it is a good thing to have multiple companies, so many choices can make it hard to find the lowest rates.

Discounts for lower-cost insurance coverage quotes

Not too many consumers would say insurance coverage is affordable, but you might be missing out on some discounts to reduce the price significantly. Some trigger automatically when you quote, but some may not be applied and must be manually applied prior to receiving the credit.

  • Paperwork-free – A few larger online companies will give a small break for buying your policy on the internet.
  • Club Memberships – Participating in certain professional organizations is a simple method to lower premiums when shopping for insurance coverage.
  • Driver Safety – Successfully completing a course that instructs on driving safety could earn you a small percentage discount depending on where you live.
  • New Vehicle Savings – Putting coverage on a new car can save up to 30% compared to insuring an older model.
  • Discounts for Government Workers – Employees or retirees of the government could cut as much as 10% off for Durango insurance with select insurance companies.
  • Life Insurance Discount – Larger companies have better rates if you take out a life insurance policy as well.
  • Mature Driver Discount – Mature drivers can get a small decrease in premiums for Durango insurance.
  • Passive Restraints and Air Bags – Factory options such as air bags and/or automatic seat belt systems could see savings of 20% or more.
  • Homeowners Savings – Owning a home may trigger a policy discount on insurance coverage since owning and maintaining a home requires a higher level of personal finance.

A little disclaimer on discounts, some of the credits will not apply to your bottom line cost. A few only apply to the cost of specific coverages such as comp or med pay. Despite the appearance that having all the discounts means you get insurance for free, you’re out of luck.

Larger insurance coverage companies and their offered discounts are outlined below.

  • GEICO may include discounts for anti-lock brakes, military active duty, anti-theft, multi-policy, and defensive driver.
  • Mercury Insurance policyholders can earn discounts including low natural disaster claims, anti-theft, location of vehicle, accident-free, good student, multi-policy, and ease of repair.
  • Farmers Insurance discounts include bundle discounts, mature driver, youthful driver, switch companies, and pay in full.
  • Auto-Owners Insurance offers premium reductions for safe vehicle, paid in full, group or association, multiple vehicles, and paperless.
  • Liberty Mutual may have discounts that include good student, newly retired, hybrid vehicle, exclusive group savings, and multi-car.
  • SAFECO has savings for anti-lock brakes, drive less, safe driver, accident prevention training, bundle discounts, and teen safe driver.
  • Progressive has discounts for multi-vehicle, multi-policy, good student, homeowner, continuous coverage, and online signing.
  • USAA offers discounts for annual mileage, driver training, multi-policy, defensive driver, military installation, new vehicle, and safe driver.

It’s a good idea to ask each company or agent to apply every possible discount. Discounts may not apply in your area. If you would like to choose from a list of companies who offer cheap insurance coverage quotes, click here.

Learn how to lower your insurance rates

When buying auto insurance it’s important to understand the different types of things that are used to determine your auto insurance rates. When you understand what impacts premium levels, this allows you to make educated decisions that will entitle you to lower premium levels. Lots of factors are part of the calculation when you quote your car insurance policy. Some are pretty understandable such as your driving record, although some other factors are less obvious such as your marital status or your commute time.

The following are some of the factors that factor into your rates.

  • Pleasure use or commuting – The higher the miles on your Dodge in a year’s time the more you’ll pay to insure it. Most companies charge to insure your cars based upon how the vehicle is primarily used. Cars and trucks that sit idle most of the time cost less to insure than cars that get driven a lot. Having an incorrect usage rating on your Durango can cost quite a bit. It’s always a good idea to double check that your auto insurance policy states annual mileage, because improper ratings can cost you money.
  • Consider raising comp and collision deductibles – Insurance for physical damage, otherwise known as comp (or other than collision) and collision, insures against damage to your Dodge. A few examples of covered claims are running into the backend of another car, damage caused by hail, and damage caused by flying debris. Physical damage deductibles represent how much money you are required to pay before your auto insurance pays a claim. The more damage repair cost the insured has to pay upfront, the less your auto insurance will be for Durango insurance.
  • Obey driving laws and save – Only having one driving citation can boost insurance rates to the point where it’s not affordable. Drivers with clean records receive lower rates compared to drivers with tickets. Drivers who have gotten multiple citations such as hit and run, DWI or reckless driving convictions may find that they have to to submit a SR-22 form to the state department of motor vehicles in order to drive a vehicle legally.
  • Remove unneeded incidental coverages – There are many add-on coverages that can add up if you aren’t diligent. Coverages for vanishing deductibles, death and dismemberment, and extra equipment coverage could be just wasting money. You may think they are a good idea when you first buy your policy, but your money might be better spent on other coverage so remove them from your policy.
  • What’s your car’s crash test rating? – Vehicles with high crash test scores tend to have lower insurance rates. The safest vehicles reduce occupant injuries and fewer serious injuries means less money paid by your insurance company and more competitive rates for policyholders. If your Dodge is rated at least four stars on Safercar.gov you may be receiving a better rate.

You may need specialized insurance coverage coverage

When choosing coverage for your personal vehicles, there is no best way to insure your cars. Everyone’s situation is a little different so this has to be addressed. For example, these questions might point out whether or not you may require specific advice.

  • Is my nanny covered when driving my vehicle?
  • What is PIP insurance?
  • What are the best liability limits?
  • Should I buy more coverage than the required minimum liability coverage?
  • What is the rate difference between pleasure use and commuting?
  • Can my teen drive my company car?

If you can’t answer these questions, you may need to chat with a licensed agent. If you want to speak to an agent in your area, take a second and complete this form or you can also visit this page to select a carrier

Auto insurance companies are expert advertisers

Well-known auto insurance companies like State Farm and Allstate consistently run ads on TV and radio. All the companies have a common claim about saving some big amount just by switching your auto insurance policy to them. It sounds good, but how can they all charge you less for car insurance? You have to listen carefully.

Insurance companies have underwriting criteria for the right customer that earns them a profit. For example, a preferred risk could be between the ages of 30 and 45, has a clear driving record, and insures a new vehicle. A propective insured that hits that “sweet spot” will get a cheap rate quote and therefore will cut their rates if they switch.

Consumers who don’t qualify for those criteria will probably be forced to pay more expensive rates which leads to the customer not purchasing. The trick is to say “people who switch” but not “all drivers who get quotes” save that much. That’s the way companies can truthfully make claims that they all have the best premium rates. This really illustrates why drivers must get car insurance quotes as often as possible. Because without a comparison, you cannot know which insurance companies will have the lowest rates.

Specifics of your auto insurance policy

Having a good grasp of auto insurance helps when choosing appropriate coverage at the best deductibles and correct limits. The coverage terms in a policy can be ambiguous and coverage can change by endorsement. Below you’ll find typical coverages offered by auto insurance companies.

Medical expense insurance

Med pay and PIP coverage provide coverage for bills like nursing services, dental work, X-ray expenses and ambulance fees. They are often used to fill the gap from your health insurance policy or if you are not covered by health insurance. Coverage applies to not only the driver but also the vehicle occupants and also covers any family member struck as a pedestrian. PIP coverage is not available in all states and gives slightly broader coverage than med pay

Auto collision coverage

This covers damage to your Durango resulting from colliding with another vehicle or an object, but not an animal. You first must pay a deductible and then insurance will cover the remainder.

Collision coverage protects against things like sideswiping another vehicle, driving through your garage door, colliding with a tree, scraping a guard rail and hitting a mailbox. Collision coverage makes up a good portion of your premium, so consider dropping it from lower value vehicles. You can also raise the deductible to bring the cost down.

Liability

Liability coverage can cover injuries or damage you cause to people or other property that is your fault. It protects you against other people’s claims, and does not provide coverage for damage to your own property or vehicle.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You might see liability limits of 50/100/50 which stand for $50,000 in coverage for each person’s injuries, $100,000 for the entire accident, and $50,000 of coverage for damaged propery.

Liability insurance covers claims such as structural damage, funeral expenses and repair bills for other people’s vehicles. How much liability coverage do you need? That is up to you, but you should buy as much as you can afford.

Protection from uninsured/underinsured drivers

This provides protection when other motorists do not carry enough liability coverage. Covered claims include hospital bills for your injuries as well as damage to your Dodge Durango.

Due to the fact that many drivers only carry the minimum required liability limits, their limits can quickly be used up. So UM/UIM coverage is very important.

Comprehensive (Other than Collision)

Comprehensive insurance coverage will pay to fix damage from a wide range of events other than collision. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive coverage pays for things like a broken windshield, hitting a deer, fire damage and rock chips in glass. The highest amount you can receive from a comprehensive claim is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Better coverage you can count on

You just learned some good ideas how you can shop for 2014 Dodge Durango insurance online. The key thing to remember is the more companies you get premium rates for, the higher the chance of saving money. You may even find the lowest auto insurance rates are with some of the lesser-known companies. They may cover specific market segments cheaper compared to the large companies like Allstate, GEICO and Progressive.

As you prepare to switch companies, never buy lower coverage limits just to save a few bucks. There are many occasions where someone sacrificed physical damage coverage and found out when filing a claim that it was a big mistake. The ultimate goal is to purchase a proper amount of coverage at a price you can afford, not the least amount of coverage.

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