2015 Dodge Durango Car Insurance Quotes – 9 Ways to Save

Searching for the cheapest insurance coverage rates for your Dodge Durango? Tired of scraping nickels together each month for insurance coverage? You have the same problem as many other people.

Because you have many options when it comes to insurance coverage, it is very difficult to choose a more affordable insurance company.

The easiest way to compare insurance rates in your area utilizes the fact car insurance companies participate in a system to provide you with free rate quotes. The only thing you need to do is provide a little information like if you lease or own, your education level, the make and model of your vehicles, and if your license is active. Your details gets transmitted to many different companies and you will receive price estimates almost instantly.

Car insurance discounts help reduce rates

Some companies don’t always publicize all possible discounts very clearly, so here is a list a few of the more well known and also the more inconspicuous credits that you can use to lower your rates.

  • Distant Student Discount – Kids who attend college more than 100 miles from home and do not have a car may be able to be covered for less.
  • Discounts for New Vehicles – Buying insurance on a new vehicle can get you a discount due to better safety requirements for newer vehicles.
  • Braking Control Discount – Vehicles with ABS and/or traction control prevent accidents and will save you 10% or more.
  • Early Payment Discounts – If you pay your entire premium ahead of time instead of making monthly payments you may have a lower total premium amount.
  • Early Signing – Some larger companies provide a discount for switching companies before your current policy expires. Ten percent is about the average savings.
  • Employee of Federal Government – Having worked for a branch of the government can earn a discount up to 10% on Durango coverage with certain companies.
  • Passive Restraints and Air Bags – Vehicles with factory air bags or motorized seat belts can receive discounts of up to 25% or more.
  • Accident Waiver – but companies like Libery Mutual, GEICO and Allstate will let one accident slide before they charge you more for coverage if you are claim-free for a set time period.
  • Data Collection Discounts – Drivers that enable their company to study their driving habits by installing a telematics device such as Progressive’s Snapshot could possibly reduce rates if they exhibit good driving behavior.

As a footnote on discounts, many deductions do not apply to the entire cost. Most only apply to the cost of specific coverages such as physical damage coverage or medical payments. Even though it appears you could get a free car insurance policy, company stockholders wouldn’t be very happy.

To see car insurance companies with the best discounts, follow this link.

Which is the best auto insurance?

When it comes to choosing proper insurance coverage for your vehicles, there isn’t really a “perfect” insurance plan. Everyone’s needs are different so your insurance should reflect that These are some specific questions might point out if your insurance needs might need an agent’s assistance.

  • Where can I get insurance after a DUI in my state?
  • Can I make deliveries for my home business?
  • Does insurance cover tools stolen from my truck?
  • Do I need more liability coverage?
  • What is roadside assistance coverage?
  • Should I get collision insurance on every vehicle?

If you don’t know the answers to these questions but you know they apply to you, then you may want to think about talking to an agent. To find an agent in your area, simply complete this short form or click here for a list of auto insurance companies in your area.

Are you falling for claims of savings?

Companies like State Farm and Allstate continually stream ads on television and other media. All the companies have a common claim about how much you will save just by moving to their company. How can each company say the same thing? It’s all in the words they use.

Many companies give the best rates for the type of customer that earns them the most money. A good example of this type of driver might be married and over the age of 30, has other policies, and drives a vehicle with a low ISO rating. Any customer who matches those parameters receives the best car insurance rates and will most likely save when they switch companies.

Drivers who fall outside the “perfect” profile will probably have to pay higher premium rates which leads to business going elsewhere. If you pay attention, the ads say “drivers that switch” not “everyone that quotes” save that kind of money. That is how companies can advertise the savings. Each company has different criteria, so it’s extremely important to get as many free insurance coverage quotes as possible. It’s impossible to know which insurance coverage company will have the best rates at this point in time.

Insurance policy coverages for a 2015 Dodge Durango

Having a good grasp of insurance aids in choosing which coverages you need at the best deductibles and correct limits. Insurance terms can be confusing and nobody wants to actually read their policy. Shown next are the normal coverages found on most insurance policies.

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

Comprehensive coverage protects against things like hail damage, damage from a tornado or hurricane, a tree branch falling on your vehicle, fire damage and hitting a bird. The maximum payout a insurance company will pay at claim time is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Coverage for medical expenses – Coverage for medical payments and/or PIP kick in for expenses such as dental work, X-ray expenses, chiropractic care and funeral costs. They are used to fill the gap from your health insurance policy or if you lack health insurance entirely. They cover you and your occupants in addition to if you are hit as a while walking down the street. Personal injury protection coverage is not an option in every state and gives slightly broader coverage than med pay

Collision coverage – Collision coverage covers 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 pays for claims such as crashing into a building, colliding with a tree, driving through your garage door, backing into a parked car and colliding with another moving vehicle. Collision coverage makes up a good portion of your premium, so consider removing coverage from older vehicles. You can also raise the deductible to get cheaper collision coverage.

Liability coverages – This will cover damage that occurs to other’s property or people in an accident. Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have policy limits of 50/100/50 which stand for a $50,000 limit per person for injuries, $100,000 for the entire accident, and a limit of $50,000 paid for damaged property.

Liability coverage protects against claims such as repair bills for other people’s vehicles, funeral expenses and medical expenses. How much liability should you purchase? That is a personal decision, but consider buying as large an amount as possible.

Coverage for uninsured or underinsured drivers – This coverage provides protection when other motorists either are underinsured or have no liability coverage at all. Covered losses include injuries to you and your family and damage to your Dodge Durango.

Since a lot of drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is very important.

Affordable insurance is out there

As you go through the steps to switch your coverage, never sacrifice coverage to reduce premiums. There have been many cases where an insured cut physical damage coverage and discovered at claim time that the small savings ended up costing them much more. Your strategy should be to buy the best coverage you can find at the best possible price and still be able to protect your assets.

Cost effective 2015 Dodge Durango insurance can be purchased both online in addition to local insurance agencies, and you should compare price quotes from both so you have a total pricing picture. Some auto insurance companies don’t offer the ability to get a quote online and usually these small insurance companies provide coverage only through independent agents.

You just learned many tips how you can shop for 2015 Dodge Durango insurance online. The key thing to remember is the more you quote insurance coverage, the better your comparison will be. Consumers may even find the best price on auto insurance is with the smaller companies. Some small companies can often insure niche markets at a lower cost than their larger competitors like State Farm and Allstate.

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