View 2012 Dodge Durango Insurance Quotes

Are you kicking yourself for buying an overpriced car insurance policy? You’re preaching to the choir because many drivers have buyer’s remorse. Due to the fact that there are so many choices, it is hard for the average consumer to find the lowest cost insurer.

Insurance coverage quotes comparison

Finding more affordable insurance coverage rates can be quick and easy. Consumers just need to take a couple of minutes comparing rate quotes to find the company with cheaper auto insurance quotes. You can get a good selection of rate quotes by following the guidelines below.

  • The best way consumers can analyze rates is to use a rate comparison form like this one (opens in new window). This easy form eliminates the need for boring form submissions to each individual insurance coverage company. In just a few minutes this one form gets you coverage quotes from multiple low-cost companies.
  • A more difficult way to find better pricing is spending the time to visit each company website and repeat the quote process. For example, we’ll assume you need rates from Geico, 21st Century and American Family. To get rate quotes you would need to spend time going to each site individually and punch in your information repeatedly, which is why the first method is more popular.

    For a handy list of car insurance company links in your area, click here.

How you compare quotes is your choice, just make absolute certain that you use apples-to-apples coverage data on every price quote you get. If you are comparing differing limits it will be very difficult to find the best deal for your Dodge Durango.

Car insurance policy discounts you can’t miss

Some companies don’t always publicize all possible discounts in an easy-to-find place, so here is a list some of the best known and also the lesser-known discounts that you may qualify for.

  • Telematics Discount – Insureds that choose to allow driving data collection to track where and when they drive through the use of a telematics system like In-Drive from State Farm and Progressive’s Snapshot may see discounts if their driving habits are good.
  • Driver Education Discount – It’s a good idea to have your young drivers successfully complete driver’s ed class in school or through a local driver safety program.
  • Anti-lock Brake Discount – Cars and trucks with ABS braking systems or traction control prevent accidents so companies give up to a 10% discount.
  • Defensive Driver Discounts – Taking time to complete a course in defensive driver could earn you a small percentage discount if your company offers it.
  • Save with More Vehicles Insured – Buying coverage for multiple cars on one policy can get a discount on all vehicles.
  • No Charge for an Accident – This isn’t a discount exactly, but companies like Geico, State Farm, and Progressive allow you one accident before your rates go up so long as you are claim-free before the accident.
  • Active Service Discounts – Being on active deployment in the military could qualify you for better premium rates.

While discounts sound great, it’s important to understand that most discount credits are not given the the whole policy. Some only reduce individual premiums such as medical payments or collision. Even though it may seem like you could get a free car insurance policy, companies don’t profit that way.

A list of car insurance companies and some of their more popular discounts are:

  • Geico may include discounts for anti-lock brakes, driver training, emergency military deployment, five-year accident-free, seat belt use, air bags, and military active duty.
  • SAFECO discounts include anti-theft, teen safety rewards, bundle discounts, multi-car, teen safe driver, homeowner, and drive less.
  • State Farm has discounts for multiple policy, multiple autos, driver’s education, safe vehicle, accident-free, good driver, and Drive Safe & Save.
  • MetLife offers discounts including defensive driver, accident-free, good driver, claim-free, multi-policy, good student
  • 21st Century may have discounts that include student driver, air bags, good student, anti-lock brakes, and defensive driver.
  • Progressive has savings for online signing, multi-policy, homeowner, multi-vehicle, good student, online quote discount, and continuous coverage.

Double check with all the companies which discounts you may be entitled to. Some credits might not be offered on policies in every state. To find insurers that offer some of these discounts, click this link.

Insurance agents can help

When buying proper insurance coverage for your vehicles, there isn’t really a single plan that fits everyone. Your needs are not the same as everyone else’s and your policy should reflect that. These are some specific questions may help highlight whether your personal situation might need professional guidance.

  • Is my Dodge Durango covered if I use it for business?
  • Is my dog or cat covered if injured in an accident?
  • How do I buy GAP insurance?
  • Where can I get insurance after a DUI in my state?
  • What discounts do I qualify for?
  • Is business equipment covered while in my vehicle?
  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • Can I make deliveries for my home business?
  • Should I rate my 2012 Dodge Durango as pleasure use or commute?
  • Do I need roadside assistance coverage?

If it’s difficult to answer those questions but a few of them apply, you may need to chat with an insurance agent. If you don’t have a local agent, simply complete this short form or go to this page to view a list of companies. It’s fast, doesn’t cost anything and can provide invaluable advice.

Coverage specifics

Learning about specific coverages of your insurance policy helps when choosing the right coverages and proper limits and deductibles. Policy terminology can be impossible to understand and nobody wants to actually read their policy. Listed below are typical coverages found on the average insurance policy.

Coverage for medical expenses – Coverage for medical payments and/or PIP kick in for short-term medical expenses like ambulance fees, chiropractic care, pain medications, dental work and rehabilitation expenses. The coverages can be used to fill the gap from your health insurance program or if you lack health insurance entirely. Coverage applies to both the driver and occupants in addition to if you are hit as a while walking down the street. PIP coverage is not available in all states but it provides additional coverages not offered by medical payments coverage

Coverage for uninsured or underinsured drivers – Your UM/UIM coverage protects you and your vehicle’s occupants when the “other guys” do not carry enough liability coverage. Covered losses include hospital bills for your injuries as well as your vehicle’s damage.

Since a lot of drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.

Comprehensive insurance – This pays for damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against claims such as hitting a bird, theft, falling objects, damage from getting keyed and a tree branch falling on your vehicle. The most a insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.

Auto liability insurance – This protects you from damages or injuries you inflict on a person or their property in an accident. This coverage protects you from legal claims by others, and doesn’t cover damage to your own property or vehicle.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You might see liability limits of 100/300/100 that means you have $100,000 bodily injury coverage, a per accident bodily injury limit of $300,000, and a total limit of $100,000 for damage to vehicles and property.

Liability coverage pays for claims like court costs, pain and suffering, funeral expenses, legal defense fees and repair costs for stationary objects. The amount of liability coverage you purchase is up to you, but consider buying higher limits if possible.

Collision – Collision coverage pays for damage to your Durango from colliding with a stationary object or other vehicle. A deductible applies and then insurance will cover the remainder.

Collision coverage pays for claims like hitting a mailbox, colliding with a tree, colliding with another moving vehicle, damaging your car on a curb and sustaining damage from a pot hole. This coverage can be expensive, so consider dropping it from vehicles that are older. It’s also possible to choose a higher deductible in order to get cheaper collision rates.