2015 Dodge Durango Insurance Rates – 5 Tricks for Best Quotes

Looking for lower insurance coverage rates for your Dodge Durango? Did you fall for a flashy sales pitch and buy overpriced insurance coverage? Trust us, you are not the only one feeling buyer’s remorse.

There are many insurance companies to choose from, and although it’s nice to be able to choose, it makes it harder to find the lowest rates.

You should make it a habit to price shop coverage every six months due to the fact that insurance rates are variable and change quite frequently. Despite the fact that you may have had the lowest price on Durango coverage a couple years back you can probably find a better price now. So forget all the misinformation about insurance coverage because you’re about to learn the quickest way to reduce your cost while increasing coverage.

How to Compare Car Insurance Costs

When shopping for car insurance there are multiple ways of comparing price quotes from local car insurance companies. The quickest method to find the cheapest 2015 Dodge Durango insurance rates is to get quotes online. This can be done in several different ways.

  1. The first (and easiest) way consumers can make multiple comparisons would be an industry-wide quote request form click to view form in new window. This form keeps you from doing multiple quote forms to each individual car insurance company. One form gets you coverage quotes from multiple low-cost companies.
  2. A slightly less efficient method to get quotes online consists of going to each company’s website and complete a new quote form. For examples sake, we’ll pretend you want to compare Nationwide, 21st Century and Farmers. To get rate quotes you would need to visit each site and enter your policy data, which is why most consumers use the first method. To view a list of companies in your area, click here.

Whichever method you choose, make absolute certain that you use identical coverages for each price quote. If you use different liability limits you can’t possibly determine the best price for your Dodge Durango. Just a small difference in limits can make a big difference in price. And when price shopping your coverage, obtaining a wide range of quotes helps locate better pricing.

Get lower rates on 2015 Dodge Durango insurance

The cost of insuring your cars can be expensive, but you can get discounts that can drop the cost substantially. Some discounts apply automatically when you complete an application, but lesser-known reductions have to be specially asked for prior to receiving the credit.

  • Auto/Life Discount – Select insurance companies reward you with better rates if you take out a life insurance policy as well.
  • Payment Method – If paying your policy premium upfront rather than paying monthly you can actually save on your bill.
  • Drive Safe and Save – Drivers who don’t get into accidents can get discounts for up to 45% lower rates on Durango coverage than drivers with accident claims.
  • Theft Prevention System – Vehicles with anti-theft systems help deter theft and earn discounts up to 10%.
  • Discount for Good Grades – Getting good grades can save 20 to 25%. This discount can apply until age 25.

As a disclaimer on discounts, most of the big mark downs will not be given to the entire cost. Some only apply to the cost of specific coverages such as medical payments or collision. So even though it sounds like you could get a free car insurance policy, car insurance companies aren’t that generous. But any discount will bring down the amount you have to pay.

A partial list of companies that possibly offer some of the above discounts are:

Before buying, ask each insurance company what discounts are available to you. Savings may not apply in every state.

Tailor your coverage to you

When choosing coverage, there is no cookie cutter policy. Every insured’s situation is different so your insurance needs to address that. Here are some questions about coverages that may help highlight if your situation may require specific advice.

  • What is the difference between comprehensive and collision coverage?
  • Is my dog or cat covered if injured in an accident?
  • Should I bundle my homeowners policy with my auto?
  • Am I covered if I break a side mirror?
  • How can I get my company to pay me more for my totalled car?
  • Is my cargo covered for damage or theft?
  • Is my babysitter covered when using my vehicle?
  • What is PIP insurance?
  • Do I need added coverage for expensive stereo equipment?

If you don’t know the answers to these questions but a few of them apply then you might want to talk to a licensed insurance agent. To find an agent in your area, complete this form or you can go here for a list of companies in your area.

Don’t believe everything you hear

Car insurance providers like 21st Century, Allstate and State Farm consistently run ads in print and on television. They all make an identical promise that you’ll save big if you change your policy. How do they all claim to save you money? This is how they do it.

All the different companies can use profiling for the type of driver that earns them a profit. For example, a profitable customer could possibly be between 30 and 50, owns a home, and chooses high deductibles. A customer getting a price quote who fits that profile will qualify for the lowest rates and therefore will save when switching.

Consumers who do not match the “perfect” profile must pay more money which leads to business going elsewhere. The ad wording is “customers who switch” not “everybody who quotes” save that kind of money. That is how companies can make those claims.

This illustrates why drivers should quote coverage with many companies. It’s not possible to predict the company that will have the lowest Dodge Durango insurance rates.

Insurance coverages 101

Learning about specific coverages of a insurance policy helps when choosing appropriate coverage and proper limits and deductibles. The terms used in a policy can be difficult to understand and nobody wants to actually read their policy. Below you’ll find the usual coverages available from insurance companies.

Medical costs insurance

Medical payments and Personal Injury Protection insurance reimburse you for bills for prosthetic devices, X-ray expenses, funeral costs, hospital visits and EMT expenses. They are used to fill the gap from your health insurance plan or if there is no health insurance coverage. Coverage applies to all vehicle occupants and will also cover any family member struck as a pedestrian. Personal injury protection coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage

Coverage for liability

This coverage can cover damage that occurs to other people or property that is your fault. This insurance protects YOU from legal claims by others, and doesn’t cover damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have values of 100/300/100 that translate to $100,000 in coverage for each person’s injuries, a per accident bodily injury limit of $300,000, and $100,000 of coverage for damaged propery. Another option is a combined limit which provides one coverage limit without having the split limit caps.

Liability coverage protects against things like court costs, pain and suffering, medical services, medical expenses and attorney fees. How much coverage you buy is a decision to put some thought into, but it’s cheap coverage so purchase as high a limit as you can afford.

Comprehensive or Other Than Collision

Comprehensive insurance pays for damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive insurance covers things like damage from getting keyed, a broken windshield and fire damage. The maximum payout your insurance company will pay is the ACV or actual cash value, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Auto collision coverage

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

Collision can pay for things such as rolling your car, sideswiping another vehicle and crashing into a ditch. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are older. It’s also possible to raise the deductible in order to get cheaper collision rates.

UM/UIM Coverage

This coverage gives you protection from other motorists when they do not carry enough liability coverage. Covered losses include hospital bills for your injuries as well as damage to your Dodge Durango.

Because many people only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is very important. Normally these coverages are set the same as your liablity limits.

Saving money is sweet as honey

Cheap 2015 Dodge Durango insurance is available from both online companies and also from your neighborhood agents, and you need to price shop both in order to have the best chance of saving money. Some companies may not provide online price quotes and many times these smaller companies only sell through independent insurance agents.

As you restructure your insurance plan, make sure you don’t buy lower coverage limits just to save a few bucks. There have been many situations where someone sacrificed full coverage only to regret at claim time that it was a big mistake. Your strategy should be to find the BEST coverage at an affordable rate while not skimping on critical coverages.

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