Finding cheaper insurance for your Dodge Durango can be a lot of work, but you can learn these tips to make it easier.
There are both good and bad ways to find auto insurance online and we’ll show you the quickest way to quote coverages for a Dodge and find the best price possible either online or from local insurance agents.
Shopping for the best auto insurance is quite easy. In a nutshell, everyone who shops for auto insurance will more than likely be able to find better rates. But consumers must understand the way companies sell insurance online and apply this information to your search.
Dodge Durango rates are made up of many parts
Smart consumers have a good feel for the different types of things that go into determining the price you pay for auto insurance. When you know what positively or negatively influences your rates enables informed choices that could result in better auto insurance rates.
- Claim-free discounts can add up – If you file claims often, you can pretty much guarantee either policy cancellation or increased premiums. Companies provide lower rates to people who do not file claims often. Your insurance policy is meant to be used in the event of the large, substantial claims.
- Protect yourself with liability coverage – Liability insurance is the protection in the event that you are found liable for damages caused by your negligence. Liability provides legal defense which can cost thousands of dollars. Liability is cheap compared to physical damage coverage, so buy as much as you can afford.
- A clean driving record saves money – Your driving record impacts your car insurance rates tremendously. Careful drivers tend to pay less for car insurance than their less careful counterparts. Only having one moving violation can boost insurance rates by twenty percent. Drivers who get dangerous violations like reckless driving, hit and run or driving under the influence may be required to submit a SR-22 form with their state motor vehicle department in order to prevent a license revocation.
- Your occupation can affect rates – Occupations such as doctors, architects and stock brokers tend to pay the highest rates because of high stress levels and lengthy work days. On the other hand, jobs such as pilots, students and the unemployed have the lowest average rates for Durango insurance.
- Your location affects your rates – Living in small towns and rural areas can be a good thing when talking about auto insurance. City drivers have to deal with much more traffic and longer commute times. Fewer people means a lower chance of having an accident as well as less vandalism and auto theft.
- Marriage pays dividends – Having a spouse can get you a discount on your policy. Having a significant other translates into being more mature than a single person it has been statistically shown that married couples file fewer claims.
- Men fork out a little more – Statistics demonstrate women tend to be less risk to insure than men. However, don’t assume that men are worse drivers. They both cause accidents at about the same rate, but the men cause more damage and cost insurance companies more money. Men also statistically have more aggressive citations such as DWI and reckless driving.
- Mature drivers pay less – Mature drivers are more cautious drivers, tend to cause fewer accidents and receive fewer citations. Youthful drivers have a tendency to be more careless in a vehicle therefore auto insurance rates are much higher.
Are you getting all your discounts?
The cost of insuring your cars can be expensive, but companies offer discounts that you may not know about. Some discounts apply automatically at the time of purchase, but lesser-known reductions have to be specially asked for before they will apply.
- No Charge for an Accident – Some insurance companies permit an accident before your rates go up if you are claim-free prior to the accident.
- Pay Now and Pay Less – If paying your policy premium upfront instead of monthly or quarterly installments you could save 5% or more.
- Multiple Policy Discount – If you insure your home and vehicles with one insurance company you may save approximately 10% to 15%.
- Service Members Pay Less – Having a deployed family member can result in better rates.
- No Claims – Drivers who don’t have accidents pay much less as compared to frequent claim filers.
- Discounts for Safe Drivers – Safe drivers may receive a discount up to 45% less for Durango insurance than drivers with accident claims.
- Sign Early and Save – Some insurance companies reward drivers for signing up prior to your current policy expiration. It can save you around 10%.
It’s important to understand that some credits don’t apply to the entire cost. Some only reduce the cost of specific coverages such as comp or med pay. So despite the fact that it appears you could get a free auto insurance policy, you won’t be that lucky. But any discount will cut the amount you have to pay.
For a list of companies who offer auto insurance discounts, click here to view.
Beware of misleading auto insurance ads
Auto insurance companies such as State Farm and Allstate continually stream ads in print and on television. They all seem to have a common claim about savings after switching your coverage to them. How can each company claim to save you money? It’s all in the numbers.
All the different companies have a certain “appetite” for the type of customer that earns them a profit. For example, a profitable customer might be profiled as between 25 and 40, has no prior claims, and chooses high deductibles. A customer getting a price quote who meets those qualifications will get the preferred rates and most likely will cut their rates substantially.
Drivers who do not match this ideal profile must pay a higher premium and ends up with the driver buying from a lower-cost company. The ads say “customers that switch” not “everyone that quotes” save that much. That’s the way insurance companies can advertise the savings.
This illustrates why drivers should quote coverage with many companies. It’s impossible to know which insurance companies will give you the biggest savings.
Final thoughts
We just covered some good ideas how to get a better price on Dodge Durango insurance. The key concept to understand is the more quotes you get, the higher your chance of finding lower rates. Consumers could even find that the lowest premiums are with a company that doesn’t do a lot of advertising.
Consumers who switch companies do it for many reasons like lack of trust in their agent, high rates after DUI convictions, delays in responding to claim requests or being labeled a high risk driver. Whatever your reason, switching auto insurance companies is not as hard as you think.
Lower-priced Dodge Durango insurance can be found on the web and with local insurance agents, so you should compare both in order to have the best chance of saving money. Some auto insurance companies do not offer the ability to get a quote online and these small insurance companies work with independent agents.
