2017 Dodge Durango Car Insurance Rates – 8 Tips for Best Quotes

Looking for the cheapest insurance rates for your Dodge Durango? Are you tired of being strong-armed to keep your car insured? You are in the same boat as many other consumers.

Companies like Geico and Progressive all promote huge savings with catchy ads and it can be hard to see past the corporate glitz and effectively compare rates to find the best deal.

If you are paying for car insurance now, you will most likely be able to cut costs considerably using these methods. Finding affordable coverage is not that difficult. But vehicle owners do need to learn how the larger insurance companies sell insurance online.

Compare car insurance quotes

The are a couple different ways of comparing rate quotes from many different insurance companies. The best method to find competitive 2017 Dodge Durango insurance rates is to jump online and get quotes. This is quite simple and can be completed in a couple minutes as outlined below.

1. The easiest and least time consuming way to get quotes is to use a rate comparison form (click to open form in new window). This form saves time by eliminating a different quote for each company. A single form gets you coverage quotes from multiple companies.
2. A more time consuming way to get comparison quotes consists of going to each company’s website to complete their respective quote request forms. For instance, we’ll assume you want to get rates from Liberty Mutual, Allstate and GMAC. In order to get each rate, you would have to visit each site to input your insurance information, which can be really labor intensive. To view a list of companies in your area, click here.
3. The old school method to do your price quoting is driving around to and from local insurance agencies. Comparing rate quotes online eliminates this option unless you have a complicated situation and need the guidance of an agent trained in personal lines coverage. If you prefer, some companies allow you to comparison shop online and get advice from an agent in your area.

Whichever way you use, make sure you use apples-to-apples coverages and limits on every quote you get. If the quotes have mixed coverages it’s impossible to make an equal comparison. Slightly different insurance coverages could skew the results. Just remember that making a lot of price comparisons helps increase your odds of locating the best rates. Some insurance companies are not set up to provide online price quotes, so it’s important to compare quotes from them as well.

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Save $453 a year? Really?

State Farm and Allstate endlessly run television and radio advertisements. All the companies tend to make the same promise that you’ll save big just by moving to their company. How does every company charge you a lower premium? Just pay attention to how they say it.

Companies have a preferred profile for the type of driver that will add to their bottom line. One example of a desirable risk should be over the age of 40, owns a home, and drives a safe vehicle. Any customer that matches those criteria will qualify for the lowest rates and is almost guaranteed to save when switching.

People who are not a match for those criteria may receive higher premium rates and ends up with the customer buying from someone else. The trick is to say “drivers who switch” but not “all drivers who get quotes” save the amount stated. That’s the way companies can truthfully claim big savings.

This really emphasizes why you absolutely need to compare quotes as often as possible. It’s just too difficult to predict the company that will have the lowest rates.

Cheap insurance rates with discounts

Some insurance providers do not list every available discount very well, so here is a list a few of the more well known and the harder-to-find insurance savings. If they aren’t giving you every credit possible, you’re paying more than you need to.

• Paperless Signup – A few larger online companies will discount your bill up to fifty bucks simply for signing digitally online.
• Pay Now and Pay Less – If paying your policy premium upfront rather than spreading payments over time you can actually save on your bill.
• Passive Restraint Discount – Vehicles equipped with air bags and/or automatic seat belt systems may earn rate discounts of 20 to 30 percent.
• One Accident Forgiven – Not necessarily a discount, but certain companies will forgive one accident before raising your premiums with the catch being you have to be claim-free prior to the accident.
• Military Discounts – Having an actively deployed family member can result in better premium rates.
• Drivers Ed for Students – Cut your cost by having your teen driver enroll and complete driver’s education if it’s offered in school.
• Clubs and Organizations – Being a member of certain professional organizations can get you a small discount on your bill.
• Safe Driver Discount – Accident-free drivers can get discounts for up to 45% lower rates for Durango coverage than less cautious drivers.

Consumers should know that many deductions do not apply to the entire cost. Most only cut individual premiums such as comp or med pay. Despite the appearance that all those discounts means the company will pay you, insurance companies wouldn’t stay in business. Any amount of discount will positively reduce your premiums.

To find insurance companies with discount rates, follow this link.

Tailor your car insurance coverage to you

When buying the right insurance coverage for your vehicles, there is no single plan that fits everyone. Each situation is unique and your policy should reflect that. These are some specific questions may help highlight whether your personal situation may require specific advice.

• Is a new car covered when I drive it off the dealer lot?
• Where can I get insurance after a DUI in my state?
• Does my liability insurance cover pulling a trailer or camper?
• Do I have coverage if my license is suspended?
• Am I covered when delivering products for my home-based business?
• Do I need higher collision deductibles?
• I have good health insurance, so how much medical payments coverage do I need?
• Why do I only qualify for high-risk insurance?
• When does my teenage driver need to be added to my policy?
• Can I afford to buy a different vehicle if my 2017 Dodge Durango is totaled?

If it’s difficult to answer those questions, then you may want to think about talking to a licensed agent. To find an agent in your area, complete this form or you can also visit this page to select a carrier

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Auto insurance 101

Learning about specific coverages of your car insurance policy helps when choosing appropriate coverage for your vehicles. Policy terminology can be difficult to understand and nobody wants to actually read their policy. Listed below are typical coverages found on most car insurance policies.

Medical payments coverage and PIP

Personal Injury Protection (PIP) and medical payments coverage kick in for bills such as funeral costs, hospital visits, rehabilitation expenses, EMT expenses and nursing services. The coverages can be used to cover expenses not covered by your health insurance plan or if you do not have health coverage. It covers you and your occupants in addition to any family member struck as a pedestrian. Personal Injury Protection is not universally available but can be used in place of medical payments coverage

Comprehensive coverage

This coverage pays for damage OTHER than collision with another vehicle or object. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive coverage protects against claims like falling objects, theft and vandalism. The highest amount a car insurance company will pay at claim time is the ACV or actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Liability coverage

Liability insurance can cover injuries or damage you cause to other people or property by causing an accident. It protects you against claims from other people. It does not cover damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see liability limits of 50/100/50 that translate to $50,000 bodily injury coverage, a per accident bodily injury limit of $100,000, and property damage coverage for $50,000. Alternatively, you may have one number which is a combined single limit which limits claims to one amount rather than limiting it on a per person basis.

Liability coverage protects against claims such as loss of income, funeral expenses and structural damage. How much liability should you purchase? That is your choice, but you should buy as much as you can afford.

Collision coverage

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

Collision can pay for things such as colliding with a tree, scraping a guard rail, hitting a parking meter and crashing into a ditch. Paying for collision coverage can be pricey, so consider removing coverage from lower value vehicles. You can also raise the deductible to bring the cost down.

Uninsured/Underinsured Motorist coverage

This provides protection when other motorists are uninsured or don’t have enough coverage. Covered losses include medical payments for you and your occupants and damage to your Dodge Durango.

Due to the fact that many drivers have only the minimum liability required by law, their limits can quickly be used up. For this reason, having high UM/UIM coverages is very important. Usually these coverages do not exceed the liability coverage limits.

Quote more, save more

We’ve covered some good ideas how to reduce 2017 Dodge Durango insurance premium rates online. The key concept to understand is the more rate quotes you have, the higher your chance of finding the cheapest insurance. You may even discover the best premium rates are with a small mutual company. These smaller insurers may only write in your state and offer lower prices as compared to the big name companies such as Allstate or State Farm.

More affordable insurance coverage can be purchased from both online companies in addition to local insurance agencies, and you should be comparing both in order to have the best chance of saving money. Some insurance providers do not offer online quoting and these smaller companies only sell through independent insurance agents.

More learning opportunities

• Booster Seat Ratings (iihs.org)
• Child Safety FAQ (iihs.org)
• How Much Auto Coverage do I Need? (Insurance Information Insitute)
• Tread Depth and Tire Safety (State Farm)

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