Cheaper 2014 Dodge Durango Insurance Quotes

Buyers have many options when searching for affordable Dodge Durango insurance. You can either spend your time contacting agents to get rate comparisons or utilize the internet to make rate comparisons.

There is a right way and a wrong way to shop for insurance coverage so we’re going to tell you the quickest way to compare rates for a new or used Dodge and obtain the lowest possible price.

It’s a good habit to shop coverage around yearly since rates change quite often. Despite the fact that you may have had the best deal on Durango insurance a couple years back you can probably find a better price now. Starting now, block out anything you think you know about insurance coverage because you’re about to learn the best methods to save on insurance coverage.

If you have a policy now or need new coverage, you can follow these tips to find the best rates and still get good coverage. This information will teach you the best way to quote coverages and some tricks to saving. Vehicle owners just need to know the proper methods to get comparison quotes on the web.

Don’t miss out on these money-saving discounts

Insurance can cost an arm and a leg, but discounts can save money and there are some available to help bring down the price. A few discounts will automatically apply at the time you complete a quote, but less common discounts must be asked about prior to receiving the credit. If you don’t get every credit you deserve, you are throwing money away.

  • Military Discounts – Being on active duty in the military can result in better rates.
  • Federal Government Employee – Being employed by or retired from a federal job could cut as much as 10% off on Durango insurance depending on your company.
  • Discounts for Safe Drivers – Drivers who don’t get into accidents can get discounts for up to 45% lower rates on Durango insurance than less cautious drivers.
  • Passive Restraints – Cars that have air bags and/or automatic seat belt systems can receive discounts of 20% or more.
  • Discount for Good Grades – This discount can save 20 to 25%. The good student discount can last up to age 25.
  • Multiple Cars – Buying coverage for all your vehicles with the same company may reduce the rate for each vehicle.
  • Driver Safety – Taking a driver safety course could save 5% or more if you qualify.
  • Auto/Home Discount – If you have multiple policies with one company you may save up to 20% off your total premium.
  • Payment Discounts – By paying your policy upfront rather than paying monthly you may reduce your total bill.
  • Auto/Life Discount – Companies who offer life insurance give a discount if you purchase a life insurance policy as well.

Keep in mind that most discounts do not apply to the entire cost. Some only apply to individual premiums such as physical damage coverage or medical payments. So even though they make it sound like it’s possible to get free car insurance, it doesn’t quite work that way. But all discounts will cut your overall premium however.

Insurance companies that may have these benefits may include but are not limited to:

Check with each company what discounts are available to you. Discounts may not be available in every state.

Comparison of Insurance

All major insurance companies give prices for coverage on the web. This process doesn’t take much effort as you just type in the coverages you want into a form. When the form is submitted, the company’s rating system orders your credit score and driving record and gives you a price quote based on these factors.

Online price quotes makes comparing rates easy, but the time it takes to visit multiple sites and complete many quote forms can get tiresome after awhile. Unfortunately, it is important to get many rate quotes if you want to find the best price on insurance.

The preferred way to locate the lowest prices is to use a quote form that gets price quotes from more than one company. It saves time, reduces the work, and makes online price comparison much easier to do. Immediately after submitting the form, your coverage is rated and you are able to buy your choice of the quote results.

If a lower price is quoted, it’s easy to complete the application and purchase the new policy. The whole process takes less than 15 minutes and you will find out if you’re overpaying now.

If you want to find out how much you’re overpaying now, click here and submit the form. If you have coverage now, it’s recommended you replicate coverages and limits just like they are on your policy. Doing this assures you will be getting a fair comparison using the exact same coverages.

Why you might be paying too much to insure your Dodge Durango

Smart consumers have a good feel for the rating factors that help determine the price you pay for insurance coverage. Having a good understanding of what impacts premium levels helps enable you to make changes that could result in better insurance coverage rates.

The following are a few of the “ingredients” that factor into premiums.

  • Pay less after the wedding – Having a wife or husband helps lower the price when buying insurance coverage. It means you’re more responsible and it’s statistically proven that married drivers get in fewer accidents.
  • Safer cars cost less to insure – Vehicles with high crash test scores tend to have better insurance rates. These vehicles reduce injuries and better occupant protection translates into fewer and smaller insurance claims passed on to you as lower rates. If your Dodge earned at least four stars on Safercar.gov or an “acceptable” rating on iihs.org it is probably cheaper to insure.
  • Special features that cut premiums – Purchasing a vehicle with an alarm system can get you a discount on your insurance coverage. Theft prevention devices like vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems all aid in stopping auto theft.
  • Adjust deductibles and save – Insurance for physical damage to your car, termed comprehensive and collision coverage on your policy, protects your Dodge from damage. Some instances where coverage would apply are running into the backend of another car, collision with an animal, and rolling your vehicle. Physical damage deductibles are the amount of money you are required to spend out-of-pocket before your insurance coverage pays a claim. The more expense you are required to pay out-of-pocket, the less your company will charge you for insurance on Durango insurance.
  • No coverage gaps is important – Having an insurance coverage lapse is a guaranteed way to increase your insurance coverage rates. Not only will you pay more, getting caught without coverage can result in a hefty fine and possibly a revoked license.
  • Discounts for multiple policies – The majority of insurance companies will award you with lower prices to insureds who consolidate policies with them, otherwise known as a multi-policy discount. Even though this discount sounds good, you still need to compare other company rates to make sure you are getting the best deal.
  • Do you need those extra coverages? – There are many add-on coverages that you can buy on your Durango policy. Things like vanishing deductibles, towing coverage and membership fees are examples of these. They may seem good at first, but your needs may have changed so remove them from your policy.
  • Credit scores impact insurance coverage rates – Having a bad credit score is a important factor in your rate calculation. Consumers who have excellent credit tend to be less risk to insure than drivers with lower credit scores. If your credit is low, you could save money insuring your 2014 Dodge Durango by improving your rating.

Do I need special coverages?

When it comes to choosing proper insurance coverage, there isn’t really a single plan that fits everyone. Everyone’s situation is unique.

For instance, these questions might point out if your insurance needs may require specific advice.

  • Is a fancy paint job covered?
  • Is my vehicle covered by my employer’s policy when using it for work?
  • Exactly who is provided coverage by my policy?
  • Is my cargo covered for damage or theft?
  • When should I remove comp and collision on my 2014 Dodge Durango?
  • I have good health insurance, so how much medical payments coverage do I need?
  • Does my policy pay for OEM or aftermarket parts?
  • Am I covered if I hit a deer?
  • Do I have coverage if my license is suspended?
  • Where can I get insurance after a DUI in my state?

If you can’t answer these questions then you might want to talk to a licensed agent. To find an agent in your area, complete this form. It’s fast, free and you can get the answers you need.

Auto insurance coverage options for a 2014 Dodge Durango

Knowing the specifics of auto insurance can help you determine appropriate coverage for your vehicles. The coverage terms in a policy can be impossible to understand and coverage can change by endorsement.

Liability car insurance

Liability insurance can cover damage or injury you incur to other’s property or people. It protects you against claims from other people. It does not cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show limits of 50/100/50 which stand for $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 a combined limit that pays claims from the same limit with no separate limits for injury or property damage.

Liability coverage protects against claims like repair costs for stationary objects, medical services, attorney fees, pain and suffering and funeral expenses. The amount of liability coverage you purchase is up to you, but you should buy as much as you can afford.

Insurance for medical payments

Coverage for medical payments and/or PIP pay for immediate expenses like rehabilitation expenses, EMT expenses, nursing services, dental work and ambulance fees. They are often utilized in addition to your health insurance policy or if you lack health insurance entirely. They cover not only the driver but also the vehicle occupants and also covers getting struck while a pedestrian. Personal Injury Protection is not universally available and gives slightly broader coverage than med pay

Uninsured Motorist or Underinsured Motorist insurance

This coverage protects you and your vehicle’s occupants from other drivers when they are uninsured or don’t have enough coverage. This coverage pays for injuries sustained by your vehicle’s occupants and damage to your Dodge Durango.

Because many people only carry the minimum required liability limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages is a good idea. Normally the UM/UIM limits are similar to your liability insurance amounts.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance coverage pays to fix your vehicle from damage from a wide range of events other than collision. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for things such as hail damage, fire damage, a tree branch falling on your vehicle, hitting a deer and damage from getting keyed. The most you’ll receive from a claim is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Collision coverage

Collision coverage pays for damage to your Durango resulting from colliding with another car or object. You will need to pay your deductible and then insurance will cover the remainder.

Collision insurance covers things such as driving through your garage door, sustaining damage from a pot hole, hitting a mailbox and hitting a parking meter. This coverage can be expensive, so consider dropping it from older vehicles. You can also bump up the deductible to bring the cost down.

Coverage on a shoestring budget

People switch companies for a variety of reasons including delays in paying claims, extreme rates for teen drivers, being labeled a high risk driver or even unfair underwriting practices. It doesn’t matter why you want to switch finding a new company is less work than it seems.

Cheap 2014 Dodge Durango insurance is definitely available on the web and with local insurance agents, and you should compare price quotes from both to have the best selection. Some auto insurance companies do not offer you the ability to get quotes online and most of the time these regional insurance providers sell through independent agents.

When buying insurance coverage, do not sacrifice coverage to reduce premiums. There have been many situations where an insured cut liability limits or collision coverage and learned later they didn’t purchase enough coverage. The aim is to find the BEST coverage at a price you can afford while still protecting your assets.

Even more information can be found at these sites: