Cheap 2015 Dodge Durango Insurance Rates

Searching for cheaper auto insurance rates for your Dodge Durango? If you’re new to shopping for insurance quotes online, you may be bewildered due to the large number of auto insurance companies offering insurance.

It’s a good habit to get comparison quotes every six months since insurance prices are adjusted regularly by insurance companies. Despite the fact that you may have had the best rates on Durango coverage a couple years back other companies may now be cheaper. Forget all the misinformation about auto insurance because I’m going to teach you the things you must know in order to lower your annual insurance bill.

Compare quotes for auto insurance

There are a lot of ways to shop for auto insurance, but one way is easier and takes less work. You can spend countless hours driving to insurance companies in your area, or you could use online quoting to maximize your effort.

All the larger companies participate in a marketplace where prospective buyers submit their information once, and each participating company can provide price quotes based on that information. This eliminates the need for form submissions to every company. To submit your quote information now, click here (opens in new window).

One minor caviat to pricing coverage this way is buyers cannot specifically choose which insurance companies you will receive quotes from. If you would rather choose specific providers to compare rates, we have a listing of the cheapest auto insurance companies in your area. Click here for list of insurance companies.

Which method you use is up to you, but do your best to use apples-to-apples coverage limits and deductibles for every quote you compare. If you enter different deductibles it will be nearly impossible to truly determine the lowest rate. Slightly different coverages could mean much higher rates. Just remember that comparing a wide range of rates increases your odds of finding the best offered rates.

You may qualify for discounts

Insuring your fleet can be pricey, but companies offer discounts that may help make it more affordable. Some discounts apply automatically at the time you complete a quote, but some need to be specially asked for before they will apply.

  • Early Signing – Select larger companies give a discount for switching policies early. You could save around 10% when you buy insurance online.
  • Discount for Multiple Policies – If you can bundle your homeowners and auto insurance with one company you may save as much as 10 to 15 percent.
  • Memberships – Joining specific professional or occupational memberships or organizations is a simple method to lower premiums on your next car insurance statement.
  • ABS and Traction Control Discounts – Vehicles with anti-lock braking systems are much safer to drive so companies give up to a 10% discount.
  • Theft Prevention System – Cars equipped with anti-theft or alarm systems are stolen less frequently and can earn a small discount on your policy.
  • Defensive Driver Discounts – Successfully completing a course teaching safe driver skills is a good idea and can lower rates and also improve your driving technique.

One last thing about discounts, some of the credits will not apply to the overall cost of the policy. Some only reduce the cost of specific coverages such as comprehensive or collision. So when the math indicates all the discounts add up to a free policy, insurance companies wouldn’t stay in business.

Large car insurance companies and the discounts they provide include:

  • State Farm discounts include safe vehicle, good student, anti-theft, Drive Safe & Save, and multiple autos.
  • GEICO includes discounts for good student, federal employee, military active duty, multi-vehicle, membership and employees, and multi-policy.
  • SAFECO offers premium reductions for bundle discounts, teen safety rewards, teen safe driver, anti-theft, and anti-lock brakes.
  • Farmers Insurance has discounts for electronic funds transfer, teen driver, business and professional, pay in full, distant student, and youthful driver.
  • AAA offers discounts including education and occupation, good student, good driver, pay-in-full, anti-theft, AAA membership discount, and multi-car.
  • USAA has savings for annual mileage, multi-policy, military installation, safe driver, loyalty savings, and vehicle storage.

If you need cheap insurance quotes, ask each company or agent which discounts can lower your rates. Some discounts listed above might not be offered everywhere. If you would like to view providers with significant discounts, follow this link.

There’s no such thing as the perfect car insurance policy

When it comes to buying the right insurance coverage for your vehicles, there really is no cookie cutter policy. Coverage needs to be tailored to your specific needs.

These are some specific questions can aid in determining if you may require specific advice.

  • Am I covered by my employer’s commercial auto policy when driving my personal car for business?
  • Am I covered if I drive in a foreign country?
  • Should I have combined single limit or split liability limits?
  • Can I drive in Mexico and have coverage?
  • Does having multiple vehicles earn me a discount?
  • Is upholstery damage covered by car insurance?

If you’re not sure about those questions but a few of them apply then you might want to talk to an agent. To find lower rates from a local agent, complete this form.

How insurance companies determine Dodge Durango insurance premiums

When buying auto insurance it’s important to understand some of the elements that play a part in calculating the rates you pay for auto insurance. If you have some idea of what positively or negatively impacts your premiums, this enables informed choices that may reward you with better auto insurance rates. Many factors are considered when you quote your car insurance policy. A few of the factors are predictable such as your driving history, but some are more obscure like your continuous coverage or your commute time.

  • Drive a safer car and pay less – Safe vehicles get lower rates. Safe vehicles have better occupant injury protection and reduced instances of injuries means lower claim amounts which can mean better rates for you.
  • More traffic equals higher rates – Being located in small towns and rural areas may provide you with better prices if you are looking for the lowest rates. Urban drivers tend to have more road rage incidents and longer commute times. Fewer people translates into fewer accident claims and lower theft and vandalism rates.
  • Insurance premiums and driver gender – Over the last 30 years, statistics show that men are more aggressive behind the wheel. Now that doesn’t mean females are better drivers. Both genders have auto accidents at about the same rate, but the males cause more damage and cost insurance companies more money. Not only that, but men also receive more major tickets such as DWI and reckless driving. Young men ages 16 to 20 have the highest risk to insure and are penalized with high auto insurance rates.
  • Optional features impact auto insurance rates – Choosing a vehicle with advanced anti-theft systems can help lower your rates. Systems that thwart theives such as GM’s OnStar, tamper alarm systems and vehicle immobilizers can thwart auto theft.
  • Liability protection preserves assets – Your auto insurance policy’s liability coverage will provide protection if a court rules you are at fault for physical damage or personal injury to other. Your liability coverage provides for a legal defense to defend your case. Liability insurance is quite affordable as compared to coverage for physical damage, so drivers should carry high limits.
  • Too many policy claims drive up auto insurance rates – Car insurance companies award better rates to people who file claims infrequently. If you are a frequent claim filer, you can definitely plan on higher premiums or even policy non-renewal. Insurance coverage is intended for more catestrophic claims.
  • Additional coverages that may be costing you – There are quite a few additional extra coverages that may not really be needed on your Durango policy. Coverages for rental car coverage, towing coverage, and additional equipment coverage are some examples. The coverages may be enticing when discussing your needs, but your needs may have changed so eliminate the coverages to reduce your premium.
  • Discounts for married drivers – Having a spouse can actually save you money on your policy. Having a significant other is viewed as being more financially stable and statistics show drivers who are married are more cautious.

The largest companies are not always cheapest

Allstate, GEICO and Progressive regularly use television, radio, and online ads. All the companies make an identical promise about savings just by moving your coverage. Is it even possible that every company can offer drivers better rates?

All companies can use profiling for the driver that earns them the highest profit. One example of a desirable insured may need to be between the ages of 30 and 50, carries high limits, and drives a vehicle with a low ISO rating. Any driver who matches those parameters will qualify for the lowest rates and will probably save money with a new company.

Potential customers who do not fit these criteria will see higher premium rates which leads to business going elsewhere. The wording the ads use say “drivers who switch” but not “all drivers who get quotes” save that much when switching. This is how companies can make the claims of big savings. Because of the profiling, you really should compare rate quotes every year. It is impossible to predict which insurance companies will have the best car insurance rates for your profile.

Auto insurance coverage information

Learning about specific coverages of your policy aids in choosing which coverages you need and proper limits and deductibles. The terms used in a policy can be impossible to understand and even agents have difficulty translating policy wording.

Uninsured and underinsured coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other motorists when they do not carry enough liability coverage. This coverage pays for medical payments for you and your occupants as well as your vehicle’s damage.

Because many people have only the minimum liability required by law, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.

Coverage for medical payments

Coverage for medical payments and/or PIP kick in for short-term medical expenses for X-ray expenses, rehabilitation expenses and funeral costs. They are utilized in addition to your health insurance program or if there is no health insurance coverage. They cover all vehicle occupants and will also cover being hit by a car walking across the street. PIP coverage is not an option in every state and may carry a deductible

Collision coverage protection

Collision coverage will pay to fix damage to your Durango from colliding with a stationary object or other vehicle. A deductible applies and then insurance will cover the remainder.

Collision can pay for things like damaging your car on a curb, colliding with a tree, hitting a parking meter and crashing into a ditch. This coverage can be expensive, so analyze the benefit of dropping coverage from older vehicles. Another option is to increase the deductible to get cheaper collision coverage.

Comprehensive coverages

Comprehensive insurance pays for damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers claims like vandalism, a broken windshield, hitting a bird, hail damage and damage from getting keyed. The most a car insurance company will pay at claim time is the actual cash value, so if it’s not worth much more than your deductible consider dropping full coverage.

Auto liability insurance

This coverage provides protection from damage or injury you incur to a person or their property. This insurance protects YOU against other people’s claims, and does not provide coverage for your injuries or vehicle damage.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see liability limits of 100/300/100 that means you have $100,000 in coverage for each person’s injuries, a total of $300,000 of bodily injury coverage per accident, and a limit of $100,000 paid for damaged property.

Liability coverage pays for things like medical services, medical expenses, bail bonds, legal defense fees and attorney fees. How much liability should you purchase? That is a personal decision, but consider buying as much as you can afford.

Spend less. Save more.

We’ve covered a lot of techniques to reduce 2015 Dodge Durango insurance rates online. It’s most important to understand that the more you quote insurance, the better your chances of lowering your auto insurance rates. You may be surprised to find that the lowest priced car insurance comes from some of the lesser-known companies.

Budget-friendly car insurance is definitely available online in addition to many insurance agents, so you should compare both to get a complete price analysis. Some insurance providers may not have online rate quotes and these smaller companies only sell through independent agents.

When shopping online for car insurance, make sure you don’t buy lower coverage limits just to save a few bucks. In many instances, someone dropped comprehensive coverage or liability limits only to discover later that the few dollars in savings costed them thousands. The goal is to purchase plenty of coverage for the lowest cost, but do not skimp to save money.

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