View 2016 Dodge Durango Insurance Quotes

Are you overwhelmed by the crazy number of car insurance providers? Many other drivers are too. People have so many choices that it is a difficult situation to find lower rates.

You need to shop coverage around once or twice a year because car insurance prices are constantly changing. Even if you think you had the best price on Durango coverage a few years ago a different company probably has better rates today. Block out anything you think you know about car insurance because you’re about to learn the easiest way to buy cheaper car insurance.

Finding auto insurance

To get the cheapest insurance coverage quotes, there a variety of ways to compare prices from many different insurance companies. By far the easiest way to find competitive 2016 Dodge Durango insurance rates is to use the internet to compare rates. This is very easy and can be done in just a few minutes using one of these methods.

  • The fastest and easiest way to get quotes for comparison is to use a rate comparison form click to view form in new window. This easy form prevents you from having to do a different quote for each company you want a rate for. One quote request will return quotes from several companies. This is perfect if you don’t have a lot of time.
  • A more time consuming way to shop for auto insurance online requires you to visit the website of each company and get a separate price quote. For example, let’s say you want to view quotes from Liberty Mutual, Allstate and Progressive. You would need to go to each individual site to input your insurance information, which is why the first method is more popular.

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

Whichever method you choose, be certain you are entering equivalent coverages with each company. If you are comparing different liability limits it will be nearly impossible to determine the best price for your Dodge Durango. Just slight variations in coverage limits can make a big difference in price. And when comparison shopping, more quotes helps improve the odds of finding more affordable rates. Not every company provides prices over the internet, so you should also compare price estimates from the smaller companies as well.

Get affordable rates with these discounts

Companies offering auto insurance don’t always list every disount available in a way that’s easy to find, so the list below contains both well-publicized as well as the least known credits that you can use to lower your rates. If you’re not getting every credit you qualify for, it’s possible you qualify for a lower rate.

  • Early Signing – Some insurance companies reward drivers for buying a new policy before your current coverage expires. Ten percent is about the average savings.
  • Life Insurance Discount – If the company offers life insurance, you could get a lower insurance rate if you buy some life insurance too.
  • Accident Forgiveness – This isn’t a discount exactly, but some insurance companies may permit one accident without raising rates if you are claim-free before the accident.
  • Multiple Vehicles – Insuring multiple vehicles with one company can get a discount on all vehicles.
  • Good Driver Discounts – Drivers who don’t get into accidents can pay as much as 50% less on Durango coverage than drivers with accidents.
  • Driver Training Discounts – Passing a class that teaches defensive driver techniques could possibly earn you a 5% discount and also improve your driving technique.
  • Online Discount – Certain companies will provide an incentive for buying a policy and signing up digitally online.

Don’t be surprised that some credits don’t apply to your bottom line cost. The majority will only reduce specific coverage prices like liability and collision coverage. Even though it appears adding up those discounts means a free policy, insurance companies wouldn’t stay in business.

A few popular companies and a partial list of their discounts are outlined below.

  • Farm Bureau has savings for youthful driver, good student, multi-policy, multi-vehicle, driver training, and safe driver.
  • State Farm offers discounts including good driver, driver’s education, Drive Safe & Save, multiple autos, and student away at school.
  • Progressive offers premium reductions for multi-vehicle, homeowner, continuous coverage, online quote discount, good student, multi-policy, and online signing.
  • Allstate may include discounts for economy car, EZ pay plan discount, resident student, good student, safe driver, eSmart discount, and utility vehicle.
  • Nationwide may have discounts that include multi-policy, accident-free, Farm Bureau membership, easy pay, anti-theft, defensive driving, and family plan.
  • MetLife has discounts for good driver, multi-policy, accident-free, good student, defensive driver, claim-free

When getting free insurance coverage quotes, it’s a good idea to each company or agent which discounts you qualify for. Some discounts listed above may not apply to policies in your area. To see companies who offer cheap insurance quotes, follow this link.

Insurance can be complex

When it comes to buying proper insurance coverage for your vehicles, there really is not a one size fits all plan. Every insured’s situation is different.

These are some specific questions can help discover if you might need an agent’s assistance.

  • Does my car insurance cover rental cars?
  • Does coverage extend to a rental car in a foreign country?
  • Can my babysitter drive my car?
  • Does car insurance cover theft of personal property?
  • Is my cargo covered for damage or theft?
  • How can I find cheaper teen driver insurance?
  • Can I get a multi-policy discount?

If you can’t answer these questions but a few of them apply, then you may want to think about talking to an agent. If you don’t have a local agent, simply complete this short form.

Specific coverages for a Dodge Durango

Understanding the coverages of your car insurance policy can be of help when determining the best coverages for your vehicles. The coverage terms in a policy can be ambiguous and nobody wants to actually read their policy.

Collision insurance

This coverage will pay to fix damage to your Durango resulting from colliding with another vehicle or an object, but not an animal. You first must pay a deductible then your collision coverage will kick in.

Collision coverage protects against claims such as hitting a mailbox, colliding with a tree, backing into a parked car and scraping a guard rail. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are 8 years or older. It’s also possible to bump up the deductible to get cheaper collision coverage.

Coverage for uninsured or underinsured drivers

Your UM/UIM coverage protects you and your vehicle’s occupants from other drivers when they are uninsured or don’t have enough coverage. Covered claims include injuries sustained by your vehicle’s occupants and also any damage incurred to your Dodge Durango.

Because many people carry very low liability coverage limits, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is important protection for you and your family.

Auto liability

Liability insurance will cover damages or injuries you inflict on a person or their property in an accident. It protects you against claims from other people, and doesn’t cover damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see policy limits of 50/100/50 which means a $50,000 limit per person for injuries, a limit of $100,000 in injury protection per accident, and $50,000 of coverage for damaged propery.

Liability insurance covers claims such as medical expenses, loss of income and legal defense fees. How much coverage you buy is a personal decision, but it’s cheap coverage so purchase as much as you can afford.

Coverage for medical expenses

Medical payments and Personal Injury Protection insurance kick in for short-term medical expenses like nursing services, rehabilitation expenses, prosthetic devices, X-ray expenses and funeral costs. The coverages can be used in conjunction with a health insurance policy or if you lack health insurance entirely. They cover both the driver and occupants and also covers getting struck while a pedestrian. Personal injury protection coverage is not an option in every state and gives slightly broader coverage than med pay

Comprehensive car insurance

This coverage pays for damage that is not covered by collision coverage. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive coverage pays for things such as a tree branch falling on your vehicle, damage from flooding, hitting a bird and falling objects. The maximum amount you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.