Save on 2014 Dodge Durango Insurance Rates

Trying to find better car insurance rates for your Dodge Durango? Having to pay for expensive Dodge Durango insurance can bottom out your bank account and put a big crunch on your finances. Comparing cost estimates is a fast and free way to make sure you’re not throwing money away.

Online insurance companies like Allstate, Liberty Mutual and State Farm constantly bombard you with TV and radio ads and consumers find it hard to see through the deception and find the best price available.

If you have a policy now or are just looking to switch companies, you will benefit by learning to get lower rates and possibly find even better coverage. Finding the best rates is easy if you know what you’re doing. Vehicle owners just need to learn the proper methods to shop for car insurance on the web.

Cheapest insurance quotes

Getting a cheap price on 2014 Dodge Durango insurance is actually quite simple. All you need to do is spend a few minutes to compare rate quotes online with multiple companies. It’s super easy and can be done in just a few minutes using one of these methods.

  1. The recommended way to compare a lot of rates at once is to use a rate comparison form click here to open form in new window. This style of form prevents you from having to do separate quote forms for every prospective company. Filling out one form will get you rate comparisons from insurance companies with the best prices.
  2. A more difficult way to analyze rates requires a visit to the website for each individual company and complete a new quote form. For examples sake, we’ll pretend you want to compare rates from Progressive, Farmers and Allstate. To get each rate you have to spend time on each company’s site to enter the same coverage data repeatedly, which is not fast way to get rate quotes.

    For a list of companies in your area, click here.

  3. The final method to compare price quotes is making phone calls or going to each insurance agency near you. The fact that you can get quotes online has reduced the need for local agents unless you’re the type of person who wants the extra assistance of a local agent. Some companies do allow you to find lower rates online but have your policy serviced through an agent.

It’s your choice how you get your quotes, but make darn sure you compare the exact same coverages and limits on every price quote you get. If your comparisons have differing limits it will be impossible to determine the best price for your Dodge Durango.

Insurance coverage quotes and discounts

Insurance coverage is expensive, but there could be available discounts that many consumers don’t even know exist. Certain discounts will be applied when you complete an application, but a few need to be specifically requested before you will receive the discount. If you aren’t receiving every discount available, it’s possible you qualify for a lower rate.

  • Passive Restraint Discount – Vehicles equipped with air bags or motorized seat belts could see savings of 25 to 30%.
  • ABS Braking Discount – Cars with anti-lock braking systems can avoid accidents and will save you 10% or more.
  • Early Signing – Some insurance companies reward drivers for switching policies early. It can save you around 10%.
  • Good Driver Discount – Insureds without accidents can save as much as half off their rates on Durango coverage than their less cautious counterparts.
  • Discount for Life Insurance – Insurance coverage companies who offer life insurance give a lower rate if you buy a life insurance policy as well.
  • Anti-theft Discount – Vehicles that have factory alarm systems and tracking devices help deter theft and will save you 10% or more.

A quick disclaimer, most discount credits are not given the the whole policy. Most only cut the cost of specific coverages such as liability, collision or medical payments. So even though they make it sound like adding up those discounts means a free policy, you aren’t that lucky.

Large insurance coverage companies and their offered discounts are detailed below.

  • Esurance may have discounts that include paid-in-full, defensive driver, safety device, emergency road assistance, and multi-car.
  • The Hartford has savings for driver training, good student, vehicle fuel type, air bag, and defensive driver.
  • AAA may offer discounts for AAA membership discount, anti-theft, multi-policy, multi-car, pay-in-full, and good driver.
  • Geico includes discounts for emergency military deployment, seat belt use, daytime running lights, air bags, membership and employees, good student, and anti-theft.
  • State Farm offers discounts including defensive driving training, safe vehicle, multiple autos, multiple policy, good student, and accident-free.

If you want inexpensive car insurance quotes, ask every company how many discounts you can get. All car insurance discounts might not apply in your area. To see a list of companies that offer many of these discounts, click here to view.

How insurance providers determine Dodge Durango insurance prices

Many things are considered when pricing auto insurance. Most are fairly basic such as your driving record, but other factors are not as apparent such as whether you are married or your vehicle rating.

The items below are some of the factors companies use to determine your premiums.

  • Liability coverage – Liability insurance is the coverage that protects you when you are determined to be liable for causing personal injury or damage in an accident. Liability insurance provides legal defense coverage which can cost thousands of dollars. Liability insurance is quite affordable as compared to coverage for physical damage, so do not skimp.
  • Get hitched and get cheaper rates – Having a significant other helps lower the price compared to being single. Marriage generally demonstrates drivers are more stable financially and insurance companies reward insureds because married couples file fewer claims.
  • Safer vehicles cost less to insure – Vehicles that have high safety ratings are cheaper to insure. Safe vehicles protect occupants better and lower rates of occupant injuries 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 it may be receiving lower rates.
  • Insurance policy lapses lead to higher premiums – Allowing your insurance policy to lapse can be a fast way to increase your rates. Not only will you pay higher rates, failure to provide proof of insurance could result in fines or a revoked license.
  • Low credit rating equals high rates – An insured’s credit score is a large factor in calculating your premium rate. Insureds that have good credit tend to be better risks to insure than those with bad credit. If your credit is not that good, you may save money insuring your 2014 Dodge Durango by improving your credit score.
  • Low comp and collision deductibles cost more – Physical damage insurance, aka comp and collision, insures against damage to your Dodge. Some examples of covered claims are collision with another vehicle, damage caused by hail, and damage from a fallen tree branch. Your deductibles define how much you are willing to pay if a claim is determined to be covered. The more of the claim you pay before a claim is paid (deductible), the lower your rates will be on Durango coverage.

Situations that may require an agent’s advice

When choosing the best insurance coverage, there is no best way to insure your cars. Your needs are not the same as everyone else’s and a cookie cutter policy won’t apply. Here are some questions about coverages that could help you determine whether or not you would benefit from an agent’s advice.

  • Is my state a no-fault state?
  • Am I covered if my car is in a flood?
  • Does my 2014 Dodge Durango qualify for pleasure use?
  • When do I need to add a new car to my policy?
  • What if I don’t agree with a claim settlement offer?
  • Is my babysitter covered when using my vehicle?
  • When would I need additional glass coverage?
  • Why am I required to buy high-risk coverage?

If you can’t answer these questions but one or more may apply to you, you may need to chat with a licensed insurance agent. To find lower rates from a local agent, fill out this quick form or you can go here for a list of companies in your area. It’s fast, free and can provide invaluable advice.

Car insurance 101

Knowing the specifics of insurance can be of help when determining which coverages you need for your vehicles. Policy terminology can be confusing and coverage can change by endorsement. Shown next are the usual coverages offered by insurance companies.

Liability car insurance

Liability coverage protects you from damage that occurs to other people or property that is your fault. It protects YOU against other people’s claims. It does not cover damage sustained by your vehicle in an accident.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have values of 100/300/100 that translate to a limit of $100,000 per injured person, a limit of $300,000 in injury protection per accident, and $100,000 of coverage for damaged propery.

Liability coverage protects against claims such as repair bills for other people’s vehicles, court costs and medical expenses. How much coverage you buy is your choice, but you should buy as much as you can afford.

Comprehensive coverage

Comprehensive insurance covers damage from a wide range of events other than collision. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against claims like falling objects, rock chips in glass, damage from getting keyed and a broken windshield. The highest amount you’ll receive from a claim is the ACV or actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Medical payments coverage and PIP

Medical payments and Personal Injury Protection insurance reimburse you for expenses for hospital visits, nursing services and surgery. The coverages can be used in conjunction with a health insurance program or if you lack health insurance entirely. They cover all vehicle occupants and will also cover getting struck while a pedestrian. Personal Injury Protection is not universally available but it provides additional coverages not offered by medical payments coverage

Uninsured/Underinsured Motorist coverage

Uninsured or Underinsured Motorist coverage gives you protection from other motorists when they either are underinsured or have no liability coverage at all. This coverage pays for medical payments for you and your occupants and also any damage incurred to your Dodge Durango.

Since many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Collision insurance

Collision insurance will pay to fix damage to your Durango from colliding with another car or object. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for claims such as colliding with a tree, crashing into a ditch, hitting a mailbox and driving through your garage door. Collision is rather expensive coverage, so consider dropping it from vehicles that are 8 years or older. Drivers also have the option to bump up the deductible to bring the cost down.

Have money to burn

As you restructure your insurance plan, never sacrifice coverage to reduce premiums. There have been many situations where an insured dropped liability limits or collision coverage only to find out they didn’t have enough coverage. Your objective should be to purchase plenty of coverage at the best price while not skimping on critical coverages.

We just presented some good ideas how to lower your 2014 Dodge Durango insurance premium rates. It’s most important to understand that the more rate comparisons you have, the better your comparison will be. You may even discover the lowest priced car insurance comes from an unexpected company. They can often provide lower prices in certain areas than their larger competitors like Geico and State Farm.

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