Cheaper 2013 Dodge Durango Insurance Rates

Are you sick and tired of being strong-armed to insure your Dodge every month? You are no different than most other car owners. You have multiple auto insurance companies to choose from, and though it is a good thing to be able to choose, having more car insurance companies makes it harder to find the lowest cost provider.

The purpose of this article is to let you in on the best way to quote coverages and some money-saving tips. If you currently have a car insurance policy, you will be able to save some money using these tips. Drivers just need to know the most efficient way to compare rates over the internet.

Dodge Durango rate determination is complex

An important part of buying insurance is that you know some of the elements that come into play when calculating your insurance coverage rates. When you know what positively or negatively impacts premium levels helps enable you to make changes that can help you get big savings.

The list below includes some of the factors that factor into your rates.

  • One company can mean more discounts – Most companies will give a discount to policyholders who carry more than one policy in the form of a multi-policy discount. Even with this discount, you may still want to compare rates to verify if the discount is saving money. You may still be able to find a better deal by splitting coverages up.
  • Younger drivers pay higher rates – Mature drivers are viewed as being more responsible, statistically cause fewer accidents and receive fewer citations. Teen drivers tend to be more careless in a vehicle therefore insurance coverage rates are much higher.
  • Men fork out a little more – The statistics show women tend to be less risk to insure than men. Now that doesn’t mean women are better drivers. Men and women have accidents at about the same rate, but the males tend to have more serious accidents. They also get cited for more serious violations such as DWI and reckless driving.
  • Discounts for married couples – Having a spouse can get you a discount on your insurance coverage policy. Marriage is viewed as being more responsible and it’s proven that married couples file fewer claims.
  • Policy add-ons can waste money – There are a lot of add-on coverages that can waste your money when buying insurance coverage. Coverages for rental car reimbursement, accident forgiveness and additional equipment coverage may be wasting your money. These coverages may sound good initially, but now you might not need them so eliminate them to save money.
  • Traffic violations increase rates – Good drivers tend to pay less for car insurance compared to drivers with tickets. Only having one speeding ticket can increase rates by as much as thirty percent. Drivers with flagrant tickets such as DWI, reckless driving or hit and run convictions are required to file a proof of financial responsibility form (SR-22) with their state motor vehicle department in order to keep their license.
  • No coverage gaps is important – Allowing your coverage to lapse will be a fast way to bump up your insurance coverage costs. Not only will you pay more, getting caught without coverage can result in a steep fine or even jail time.You may need to submit proof of financial responsibility or a SR-22 with your state department of motor vehicles.

Cheap Car Insurance Comparisons

Getting a cheaper price on 2013 Dodge Durango insurance is not rocket science. Just take the time to get quotes provided by online insurance companies. It is quite easy and can be accomplished in a couple of different ways.

  1. One of the best ways to compare a lot of rates at once is an all-inclusive rate comparison (click to open form in new window). This method eliminates the need for separate quotation requests to each individual car insurance company. One form submission gets you coverage quotes from several companies.
  2. A slightly less efficient method to compare prices requires you to visit each company website to request a price quote. For sake of this example, we’ll assume you want comparison quotes from Farmers, Liberty Mutual and Progressive. To get rate quotes you would need to spend time on each company’s site to input your insurance information, and that’s why the first method is more popular. To view a list of companies in your area, click here.

It’s up to you how you get prices quotes, just make darn sure you compare apples-to-apples coverages on every quote you get. If you compare mixed coverages it’s impossible to determine the best price for your Dodge Durango.

Do you qualify for a discount?

Properly insuring your vehicles can get expensive, but you can get discounts to cut the cost considerably. Certain discounts will be triggered automatically at the time you complete a quote, but lesser-known reductions have to be specifically requested in order for you to get them. If they aren’t giving you every credit you deserve, you are paying more than you should be.

  • Discount for Life Insurance – Select insurance companies reward you with lower rates if you buy life insurance from them.
  • Paperless Signup – A handful of insurance companies may give you up to $50 for buying a policy and signing up on their website.
  • 55 and Retired – If you’re over the age of 55, you may qualify for better insurance coverage rates on Durango insurance.
  • Claim Free – Good drivers with no accidents can save substantially compared to bad drivers.
  • One Accident Forgiven – Certain companies permit an accident before hitting you with a surcharge if you are claim-free for a certain period of time.

Keep in mind that many deductions do not apply to the entire policy premium. Most only reduce specific coverage prices like comp or med pay. Even though it may seem like it’s possible to get free car insurance, it just doesn’t work that way. But all discounts will cut your premiums.

To see a list of insurers who offer insurance coverage discounts, follow this link.

What coverages do I need?

When buying the best insurance coverage coverage, there really is no cookie cutter policy. Everyone’s needs are different so your insurance needs to address that. Here are some questions about coverages that can aid in determining if your insurance needs would benefit from professional advice.

  • Is my business laptop covered if it gets stolen from my vehicle?
  • Is my ex-spouse still covered by my policy?
  • Do I have any recourse if my insurance company denies a claim?
  • Am I covered when delivering products for my home-based business?
  • How much liability insurance is required?
  • What is high-risk coverage and where do I buy it?
  • How do I buy GAP insurance?
  • How can I find cheaper teen driver insurance?
  • Do I need medical payments coverage since I have good health insurance?

If it’s difficult to answer those questions but a few of them apply, then you may want to think about talking to a licensed insurance agent. To find an agent in your area, fill out this quick form or you can go here for a list of companies in your area. It’s fast, free and may give you better protection.

Specifics of your insurance policy

Learning about specific coverages of a insurance policy aids in choosing the right coverages at the best deductibles and correct limits. Insurance terms can be difficult to understand and nobody wants to actually read their policy. These are the usual coverages found on most insurance policies.

Medical costs insurance – Coverage for medical payments and/or PIP provide coverage for immediate expenses for prosthetic devices, chiropractic care, dental work, ambulance fees and surgery. They can be used to cover expenses not covered by your health insurance plan or if there is no health insurance coverage. Coverage applies to you and your occupants and also covers getting struck while a pedestrian. PIP is not universally available and may carry a deductible

UM/UIM Coverage – Your UM/UIM coverage provides protection when the “other guys” are uninsured or don’t have enough coverage. It can pay for injuries sustained by your vehicle’s occupants and damage to your 2013 Dodge Durango.

Since many drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is important protection for you and your family. Most of the time these limits are similar to your liability insurance amounts.

Comprehensive or Other Than Collision – Comprehensive insurance pays to fix your vehicle from damage that is not covered by collision coverage. A deductible will apply then your comprehensive coverage will pay.

Comprehensive coverage pays for claims like a broken windshield, fire damage, hitting a deer, theft and rock chips in glass. The most your insurance company will pay is the cash value of the vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.

Collision coverage – Collision insurance pays to fix your vehicle from damage from colliding with a stationary object or other vehicle. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against things like crashing into a building, colliding with another moving vehicle, sideswiping another vehicle, damaging your car on a curb and driving through your garage door. Collision is rather expensive coverage, so consider removing coverage from lower value vehicles. Drivers also have the option to raise the deductible to save money on collision insurance.

Coverage for liability – This coverage will cover injuries or damage you cause to a person or their property in an accident. It protects YOU from claims by other people, and does not provide coverage for damage to your own property or vehicle.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have values of 25/50/25 that means you have a $25,000 limit per person for injuries, a total of $50,000 of bodily injury coverage per accident, and $25,000 of coverage for damaged propery. Some companies may use one number which is a combined single limit which combines the three limits into one amount rather than limiting it on a per person basis.

Liability coverage protects against claims such as bail bonds, attorney fees, court costs, legal defense fees and repair bills for other people’s vehicles. How much liability coverage do you need? That is a decision to put some thought into, but it’s cheap coverage so purchase higher limits if possible.

Have money to burn

As you shop your coverage around, don’t be tempted to skimp on critical coverages to save a buck or two. There are a lot of situations where an accident victim reduced physical damage coverage only to regret that the savings was not a smart move. The aim is to purchase plenty of coverage for the lowest price, not the least amount of coverage.

Cheap 2013 Dodge Durango insurance can be bought on the web and with local insurance agents, so compare prices from both to get a complete price analysis. Some companies do not offer online price quotes and these small insurance companies work with independent agents.

More information can be read at the links below