2017 Dodge Durango Insurance Quotes – 10 Ideas for Cheaper Rates

Searching for lower auto insurance rates for your Dodge Durango? Locating low-cost insurance for your Dodge Durango can turn out to be a painful process, but you can learn a few tricks to save time. There are both good and bad ways to shop for auto insurance so you’re going to learn the proper way to compare rates for a new or used Dodge and find the best price possible either online or from local insurance agents.

It’s smart to shop coverage around before your next renewal since insurance rates are usually higher with each renewal. Even if you think you had the best rate on Durango coverage a couple years back you will most likely find a better price today. Ignore everything you know about auto insurance because we’re going to show you the things you must know in order to properly buy coverages and cut your premium.

Finding the best rates is not that difficult. If you have a current auto insurance policy or are just looking to switch companies, you will benefit by learning to shop for the lowest rates while maximizing coverage. Drivers only need to know how to find the lowest price online.

Buy car insurance online

Getting a cheaper price on 2017 Dodge Durango insurance is not a difficult process. Drivers just need to spend a few minutes to get quotes to find out which insurance company has low cost insurance quotes. It’s really simple and can be done by following the guidelines below.

  • The fastest way to find the lowest comparison rates is a comparison rater form click to view form in new window. This form saves time by eliminating multiple quote forms for each company you want a rate for. In just a few minutes this one form compares rates instantly. Just one form and you’re done.
  • A harder way to analyze rates is spending the time to visit the website for every company you want to comare to complete a price quote. For sake of this example, we’ll assume you want to see prices from State Farm, Farmers and Geico. To get rate quotes you would need to go to every website and type in your information over and over, which explains why we recommend starting with the first method.

    To view a list of companies in your area, click here.

Which method you use is up to you, but try to use the same coverages for each comparison quote. If each company quotes different limits and deductibles on each one it will be nearly impossible to determine which company has the best rates.

Do you qualify for discount insurance?

Insurance is not inexpensive, but you can get discounts that many consumers don’t even know exist. Some of these disounts will be visible at the time you complete a quote, but some may not be applied and must be inquired about prior to getting the savings.

  • One Accident Forgiven – Not really a discount, but a few companies such as Geico, Allstate and Liberty Mutual may permit one accident without raising rates if you have no claims before the accident.
  • Multiple Vehicles – Insuring all your vehicles with one company may reduce the rate for each vehicle.
  • Good Grades Discount – A discount for being a good student could provide a savings of up to 20% or more. This discount can apply until age 25.
  • Professional Organizations – Affiliation with a professional or civic organization could trigger savings when getting a insurance quote.
  • Onboard Data Collection – Insureds who allow their company to monitor driving habits through the use of a telematics system such as Progressive’s Snapshot and State Farm’s In-Drive may see discounts as long as they are good drivers.
  • Senior Discount – Drivers that qualify as senior citizens may be able to get a slight reduction on a insurance quote on Durango coverage.
  • Military Deployment Discount – Being deployed in the military could be rewarded with lower prices.
  • Drivers Education – Cut your cost by having your teen driver successfully complete driver’s ed class if it’s offered in school.
  • Discount for Life Insurance – Not all insurance carriers offer life insurance, but some may give you a discount if you purchase a life policy as well.
  • Discounts for New Vehicles – Insuring a new car can save you some money because new model year vehicles have to meet stringent safety requirements.

Please keep in mind that some of the credits will not apply to the entire cost. A few only apply to individual premiums such as physical damage coverage or medical payments. Even though it may seem like all those discounts means the company will pay you, nobody gets a free ride.

To choose providers with significant discounts, follow this link.

What insurance coverages do I need?

When choosing adequate coverage for your personal vehicles, there really is no single plan that fits everyone. Everyone’s situation is unique.

For example, these questions may help you determine if your insurance needs would benefit from an agent’s advice.

  • If my pet gets injured in an accident are they covered?
  • Is my state a no-fault state?
  • Which is better, split liability limits or combined limits?
  • When do I need to add a new car to my policy?
  • How can I force my company to pay a claim?
  • I have a DUI can I still get coverage?
  • What is roadside assistance coverage?

If you don’t know the answers to these questions but you know they apply to you, then you may want to think about talking to an insurance agent. If you want to speak to an agent in your area, complete this form. It’s fast, free and you can get the answers you need.

Beware of misleading insurance ads

Consumers can’t escape the ads that claim the best premium rates from companies such as 21st Century, Allstate and State Farm. They all seem to try to convey promises that you can save if you just switch your coverage to them.

How is it possible that every company can offer you a better deal?

Different companies give the cheapest rates for a prospective insured that will most likely be profitable. A good example of this type of driver might be described as a female over age 40, has no driving citations, and drives a lower-performance vehicle. A propective insured that hits that “sweet spot” will get the preferred rates and will probably save if they switch.

Drivers who fall outside the ideal profile may receive higher premium rates with the end result being the customer buying from someone else. The trick companies use is to say “customers who switch” but not “all drivers who get quotes” save money. That’s why companies can truthfully state the savings. Because every company is different, it is so important to quote coverage with many companies. It’s not possible to predict which insurance company will give you the biggest savings.

Coverage specifics

Understanding the coverages of your auto insurance policy helps when choosing the best coverages at the best deductibles and correct limits. Policy terminology can be ambiguous and even agents have difficulty translating policy wording.

Collision insurance

Collision insurance pays for damage to your Durango resulting from a collision with an object or car. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers things like sideswiping another vehicle, scraping a guard rail, hitting a mailbox, sustaining damage from a pot hole and colliding with a tree. This coverage can be expensive, so you might think about dropping it from older vehicles. Drivers also have the option to increase the deductible to save money on collision insurance.

Medical payments and PIP coverage

Coverage for medical payments and/or PIP provide coverage for bills like rehabilitation expenses, doctor visits, ambulance fees, X-ray expenses and prosthetic devices. They are often utilized in addition to your health insurance plan or if you are not covered by health insurance. Coverage applies to not only the driver but also the vehicle occupants and will also cover being hit by a car walking across the street. PIP coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage

Coverage for liability

Liability insurance protects you from damage that occurs to a person or their property by causing an accident. Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see liability limits of 50/100/50 that means you have $50,000 in coverage for each person’s injuries, a total of $100,000 of bodily injury coverage per accident, and $50,000 of coverage for damaged propery.

Liability insurance covers claims like bail bonds, pain and suffering and attorney fees. The amount of liability coverage you purchase is up to you, but it’s cheap coverage so purchase higher limits if possible.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This provides protection from other motorists when they are uninsured or don’t have enough coverage. This coverage pays for hospital bills for your injuries and damage to your Dodge Durango.

Because many people only carry the minimum required liability limits, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is a good idea.

Comprehensive auto coverage

Comprehensive insurance coverage pays for damage caused by mother nature, theft, vandalism and other events. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers claims like a tree branch falling on your vehicle, fire damage, damage from a tornado or hurricane, damage from flooding and vandalism. The maximum payout a auto insurance company will pay at claim time is the actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.

Quote often and quote early

A few companies may not offer price quotes online and usually these regional insurance providers work with independent agents. Budget-friendly insurance is definitely available both online and from local agencies, so you should be comparing quotes from both to have the best rate selection.

Throughout this article, we presented a lot of ways to reduce 2017 Dodge Durango insurance car insurance rates online. The key concept to understand is the more companies you get premium rates for, the better chance you’ll have of finding the cheapest insurance. You may be surprised to find that the lowest car insurance rates are with a lesser-known regional company.

Insureds who switch companies do it for a variety of reasons including delays in paying claims, high rates after DUI convictions, poor customer service or even not issuing a premium refund. Regardless of your reason for switching companies, choosing a new insurance company is pretty easy and you might even save some money in the process.

More tips and info about insurance can be read at these sites: