Cheaper 2016 Dodge Durango Insurance Cost

Shoppers have options when shopping for the best price on Dodge Durango insurance. They can either spend hours driving around to compare prices or leverage the internet to find the lowest rates. There are both good and bad ways to shop for insurance coverage and we’ll show you the absolute fastest way to price shop coverage for your Dodge and get the lowest price either online or from local insurance agents.

It’s important to check insurance coverage prices quite often because insurance coverage prices trend upward over time. Even if you got the best price for Durango coverage last year you can probably find a better rate quote now. Forget all the misinformation about insurance coverage because I’m going to let you in on the secrets to the fastest way to find great coverage at a great price.

Don’t overlook these auto insurance discounts

Insurance can be prohibitively expensive, but there could be significant discounts to cut the cost considerably. A few discounts will be applied when you purchase, but occassionally some discounts must be asked about in order for you to get them.

• Claim-Free Discount – Claim-free drivers get the best auto insurance rates in comparison with drivers with a long claim history.
• Professional Organizations – Participating in specific professional or occupational memberships or organizations is a good way to get lower rates on auto insurance.
• Data Collection Discounts – Drivers who agree to allow their auto insurance company to study when and where they use their vehicle by using a telematics device like In-Drive from State Farm and Progressive’s Snapshot may see discounts if they have good driving habits.
• Discount for Home Ownership – Being a homeowner may earn you a small savings due to the fact that maintaining a home is proof that your finances are in order.
• Military Discounts – Having a deployed family member could qualify you for better auto insurance rates.
• Discount for Life Insurance – Insurance carriers who offer life insurance give lower rates if you buy auto and life insurance together.
• Braking Control Discount – Cars and trucks with ABS and/or traction control can stop better under adverse conditions and the ABS can save up to 10%.
• Paper-free Discount – Some of the larger companies will discount your bill up to fifty bucks for buying a policy and signing up over the internet.

As a sidenote, most discount credits are not given to the entire cost. Some only reduce specific coverage prices like liability, collision or medical payments. Even though it appears adding up those discounts means a free policy, company stockholders wouldn’t be very happy.

Auto insurance companies that may have most of the discounts above include:

• AAA
• Progressive
• State Farm
• Esurance
• Nationwide

It’s a good idea to ask each company the best way to save money. Some of the earlier mentioned discounts might not be available to policyholders in every state. To locate companies with discount auto insurance rates, follow this link.

The fastest way that we advise to compare rates utilizes the fact most of the bigger providers actually pay money for the chance to give rate comparisons. The one thing you need to do is provide a small amount of information such as whether your vehicle is owned or leased, your general credit rating, marital status, and how old drivers are. That rating data gets sent immediately to multiple different insurance companies and they provide comparison quotes instantly to find the best rate.

To find the cheapest 2016 Dodge Durango insurance rates, click here then complete the form.

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Components of your Dodge Durango insurance prices

Lots of factors are part of the equation when you quote your car insurance policy. Some of the criteria are obvious such as your driving history, although others are not quite as obvious like where you live or your financial responsibility.

The following are most of the major factors that factor into your rate level.

• Married people drive safer – Having a wife or husband can actually save you money compared to being single. It demonstrates that you tend to be more responsible and insurance companies reward insureds because drivers who are married are more cautious.
• Lower insurance rates with alarm systems – Driving a car with a theft deterrent system can save you a little every year. Theft prevention features like LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system help track and prevent car theft.
• Occupation stress can affect prices – Did you know your job can affect your rates? Careers such as fire fighters, architects and emergency personnel usually pay higher premiums than the average policyholder because of intense work situations and long work hours. Conversely, jobs such as farmers, historians and the unemployed generally pay rates lower than average for Durango coverage.
• Do you need those extra policy coverages? – There are many extra add-on coverages that can add up on your insurance policy. Insurance for things like personal injury protection, towing, and Farm Bureau memberships may not be needed and are just wasting money. These coverages may sound good when talking to your agent, but if you don’t need them eliminate the coverages to reduce your premium.

When to get professional advice

When choosing the right insurance coverage for your vehicles, there isn’t really a cookie cutter policy. Every insured’s situation is different.

These are some specific questions could help you determine whether or not you might need an agent’s assistance.

• How much can I save by bundling my policies?
• How can I get my company to pay me more for my totalled car?
• Is my state a no-fault state?
• What can I do if my company denied a claim?
• Will filing a claim cost me more?
• Can I pay claims out-of-pocket if I buy high deductibles?
• Do I need more liability coverage?

If you don’t know the answers to these questions but you know they apply to you, you might consider talking to an insurance agent. If you don’t have a local agent, fill out this quick form. It is quick, free and may give you better protection.

Insurance coverage ads are enticing

Consumers can’t ignore all the ads for the lowest price insurance coverage by Allstate, Geico and Progressive. All the ads tend to make the same promise of big savings if you just switch your insurance coverage policy to them.

How is it plausible that every one can save you money? Here is how they do it.

All the different companies are able to cherry pick for the type of driver that will be a good risk. One example of a profitable customer may be over age 30, is a homeowner, and drives less than 7,500 miles a year. Any driver who fits that profile will qualify for the lowest premium rates and is almost guaranteed to save money with a new company.

People who do not fit the ideal profile may be required to pay a higher rate and this results in the customer buying from someone else. The trick companies use is to say “customers that switch” not “all people who quote” can save as much as they claim. That is how insurance companies can confidently make the claims of big savings. Because each company has a different risk profile, you need to get insurance quotes as often as possible. Because you cannot predict the company that will have the lowest rate quotes.

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What insurance coverages do you need?

Knowing the specifics of your policy aids in choosing the best coverages and the correct deductibles and limits. The coverage terms in a policy can be difficult to understand and even agents have difficulty translating policy wording.

Med pay and Personal Injury Protection (PIP) – Med pay and PIP coverage provide coverage for expenses for EMT expenses, funeral costs, surgery, hospital visits and X-ray expenses. They are often used to fill the gap from your health insurance plan or if there is no health insurance coverage. They cover both the driver and occupants and also covers if you are hit as a while walking down the street. PIP coverage is only offered in select states and may carry a deductible

Collision – Collision coverage covers damage to your Durango from colliding with another car or object. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against claims like colliding with a tree, crashing into a building, rolling your car and sustaining damage from a pot hole. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Drivers also have the option to choose a higher deductible in order to get cheaper collision rates.

Liability insurance – Liability insurance can cover damages or injuries you inflict on a person or their property by causing an accident. This coverage protects you against other people’s claims. It does not cover damage sustained by your vehicle in an accident.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see policy limits of 25/50/25 that translate to a limit of $25,000 per injured person, a total of $50,000 of bodily injury coverage per accident, and property damage coverage for $25,000.

Liability coverage pays for things such as medical expenses, repair costs for stationary objects, court costs and attorney fees. How much liability coverage do you need? That is your choice, but it’s cheap coverage so purchase higher limits if possible.

Uninsured/Underinsured Motorist (UM/UIM) – Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when the “other guys” either are underinsured or have no liability coverage at all. Covered claims include injuries sustained by your vehicle’s occupants as well as damage to your Dodge Durango.

Due to the fact that many drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage should not be overlooked.

Comprehensive insurance – This coverage covers damage that is not covered by collision coverage. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive can pay for things like falling objects, damage from flooding and a tree branch falling on your vehicle. The most your insurance company will pay is the actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.

Be a money saver!

As you go through the steps to switch your coverage, never reduce coverage to reduce premium. There have been many cases where an insured dropped liability coverage limits and learned later that the few dollars in savings costed them thousands. Your aim should be to get the best coverage possible at the best possible price while still protecting your assets.

Some insurance companies do not offer the ability to get quotes online and most of the time these regional insurance providers provide coverage only through local independent agencies. Cheap 2016 Dodge Durango insurance is available on the web in addition to local insurance agencies, so compare prices from both to get a complete price analysis.

Insureds who switch companies do it for a number of reasons such as high prices, policy non-renewal, delays in responding to claim requests and questionable increases in premium. It doesn’t matter what your reason, finding a great new company is pretty simple and you could end up saving a buck or two.

Much more information about auto insurance can be read at the links below

• Frontal Crash Tests (iihs.org)
• Determing Auto Insurance Rates (Geico)
• Liability Insurance Coverage (Nationwide)
• Five Mistakes to Avoid (Insurance Information Insitute)
• Teen Driving Statistics (iihs.org)
• Protecting Teens from Drunk Driving (Insurance Information Insitute)

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