Finding the Cheapest Car Insurance for a Dodge Durango Made Easy

Consumers have options when looking for the best price on Dodge Durango insurance. They can either waste time contacting agents to get rate comparisons or leverage the internet to get rate quotes.

There is a right way and a wrong way to buy car insurance so you’re going to learn the quickest way to compare rates for a Dodge and get the best price possible.

Pieces of the Dodge Durango rate puzzle

An important part of buying insurance is that you know the rating factors that help determine the price you pay for car insurance. Understanding what impacts premium levels enables informed choices that may reward you with better car insurance rates.

The following are a few of the “ingredients” car insurance companies consider when setting rates.

• Being married can save on car insurance – Having a wife or husband actually saves money on car insurance. It means you’re more mature and it’s proven that married drivers get in fewer accidents.
• Liability coverage protects you – Liability coverage provides coverage when you are found to be at fault for causing damage or personal injury in an accident. Liability provides you with a defense in court starting from day one. Liability insurance is quite affordable when compared with rates for comp and collision, so drivers should carry high limits.
• High crash test scores lower rates – Vehicles with good safety scores are cheaper to insure. Safe vehicles reduce injuries and lower injury rates translates into fewer and smaller insurance claims and more competitive rates for policyholders. If your Dodge Durango earned at least an “acceptable” rating on the Insurance Institute for Highway Safety website you may qualify for a discount.
• More claims means more premium – Insurance companies provide cheaper rates to insureds who file claims infrequently. If you tend to file frequent claims, you can look forward to higher rates. Your insurance policy is designed for the large, substantial claims.
• Equipment add-ons that lower car insurance rates – Choosing a vehicle with an alarm system can get you a discount on your car insurance. Theft prevention devices such as GM’s OnStar, tamper alarm systems and vehicle immobilizers can thwart your vehicle from being stolen.
• Careful drivers pay lower rates – Even a single ticket can increase rates forty percent or more. Good drivers get better rates than their less careful counterparts. Drivers who get dangerous violations such as DWI, reckless driving or hit and run convictions may be required to submit a SR-22 or proof of financial responsibility with their state DMV in order to prevent a license revocation.
• Clean credit earns discounts – Having a bad credit rating is a important factor in determining your rates. Consumers who have high credit scores tend to be less risk to insure as compared to drivers with lower credit ratings. So if your credit history can use some improvement, you could be paying less to insure your Dodge Durango by repairing your credit.

Vehicle Insurance Comparison

All major car insurance companies provide prices on the web. The process doesn’t take much effort as you just type in your coverage preferences as detailed in the form. Once you submit the form, the system pulls your credit score and driving record and returns pricing information based on these and other factors.

This makes it a lot easier to compare rates but the time it takes to visit a lot of sites and type in the same information is not the best way to spend an afternoon. But it is imperative to do this in order to get the best price on car insurance.

A quicker way to lower your car insurance bill uses one simple form to return rates from a lot of companies. The form is fast, requires much less work on your part, and makes online quotes much easier. After your information is entered, it is quoted and you can choose any or none of the returned quotes.

If the quotes result in lower rates, you can simply submit the application and purchase coverage. The whole process takes 15 minutes at the most and can result in significant savings.

If you want to find out if lower rates are available, simply click here to open in new window and complete the simple form. If you currently have coverage, we recommend you replicate the insurance coverages identical to your current policy. Doing this guarantees you will be getting rate comparison quotes for the exact same coverage.

The car insurance bait and switch

Progressive, GEICO, Allstate and State Farm continually stream ads in print and on television. All the companies have a common claim that you’ll save big after switching to them. How does each company claim to save you money? This is how they do it.

All the different companies can use profiling for the type of driver that is profitable for them. An example of a desirable insured could be a mature driver, has no prior claims, and has excellent credit. A driver who meets those qualifications is entitled to the best price and therefore will pay quite a bit less when switching companies.

Potential insureds who don’t meet the “perfect” profile will have to pay more money which leads to the driver buying from a lower-cost company. Company advertisements say “people who switch” not “everybody who quotes” save that much. That’s why companies can truthfully state the savings.

Because of the profiling, drivers must quote coverage with many companies. It’s not possible to predict which insurance companies will fit your personal profile best.

Are you getting all your discounts?

Car insurance can cost a lot, but discounts can save money and there are some available that you may not even be aware of. Some discounts apply automatically at quote time, but less common discounts must be specifically requested before being credited.

• Early Signing – Some companies give discounts for signing up prior to your current policy expiring. This can save 10% or more.
• Homeowners Pay Less – Being a homeowner can help you save on car insurance due to the fact that maintaining a home is proof that your finances are in order.
• More Vehicles More Savings – Having multiple cars or trucks on one policy can get a discount on all vehicles.
• Life Insurance Discount – Companies who offer life insurance give a discount if you purchase life insurance from them.
• Paperwork-free – Certain companies may give you up to $50 for buying your policy online.
• Pay Now and Pay Less – If you pay your entire premium ahead of time instead of paying each month you may reduce your total bill.

Keep in mind that some credits don’t apply to the entire cost. Most only reduce the cost of specific coverages such as physical damage coverage or medical payments. Just because you may think having all the discounts means you get insurance for free, car insurance companies aren’t that generous. But any discount will bring down the cost of coverage.

For a list of insurance companies with discount car insurance rates, click here.

Neighborhood insurance agents

Some people would rather talk to a local agent and that is just fine! The best thing about comparing rates online is that you can obtain the best rates and still choose a local agent. And supporting small agencies is especially important in smaller communities.

To help locate an agent, after submitting this simple form, your insurance coverage information gets sent to agents in your area who will compete to get your business. You won’t need to drive around as quotes are delivered to your email. How’s that for easy! You can find the lowest rates AND a local agent.

If you wish to select a specific agent in your state, click here.

Selecting a company needs to be determined by more than just a cheap price. Any agent should have no problem answering these questions:

• Do they regularly work with personal auto policies?
• Is their price quote a firm figure or are their hidden costs?
• Which company do they place the most coverage with?
• Will your rates increase after a single accident?
• What insurance companies do they recommend if they are an independent agent?
• Do they review policy coverages at every renewal?

Once you have satisfactory answers as well as a affordable price, it’s possible that you found a company that will insure your vehicles.

The best insurance company isn’t always the cheapest

As you restructure your insurance plan, don’t be tempted to buy less coverage just to save a little money. There have been many cases where an accident victim reduced liability limits or collision coverage only to find out that saving that couple of dollars actually costed them tens of thousands. Your focus should be to buy the best coverage you can find at an affordable rate, not the least amount of coverage.

Low-cost Dodge Durango insurance is attainable online and also from your neighborhood agents, so you should be comparing quotes from both so you have a total pricing picture. Some insurance providers may not provide you the ability to get quotes online and these small insurance companies work with independent agents.

We covered some good ideas how to compare Dodge Durango insurance prices online. The key thing to remember is the more price quotes you have, the higher the chance of saving money. You may even discover the best price on car insurance is with a smaller regional carrier.