Best Tricks to Lowering Your Dodge Durango Insurance Rates

Shoppers have many options when shopping for the lowest priced Dodge Durango insurance. You can either spend your time driving around getting price quotes or utilize the internet to find the lowest rates.

There is a right way and a wrong way to find auto insurance online and we’ll show you the absolute fastest way to compare rates for your Dodge and obtain the lowest possible price.

Consumers should take time to check auto insurance prices periodically because rates change regularly. Even if you got the best price on Durango insurance a couple years back you can probably find a better price now. Forget anything you know (or think you know) about auto insurance because I’m going to let you in on the secrets to the tricks you need to know to save money, get proper deductibles and limits, all at the lowest rate.

Policy discounts you shouldn’t miss

Insurance can cost an arm and a leg, but you may find discounts that you may not even be aware of. Most are applied at the time of purchase, but less common discounts must be asked about before they will apply. If you aren’t receiving every discount you deserve, you are throwing money away.

  • Federal Employees – Being employed by or retired from a federal job can earn a discount up to 10% on Durango insurance with certain companies.
  • Drivers Education – Require your teen driver to successfully complete driver’s ed class if it’s offered in school.
  • Seat Belts Save more than Lives – Using a seat belt and requiring all passengers to wear their seat belts can save up to 15% on the medical payments or PIP coverage costs.
  • Military Discounts – Having a family member in the military can result in better rates.
  • Anti-lock Brake System – Anti-lock brake equipped vehicles prevent accidents and will save you 10% or more.

A little note about advertised discounts, many deductions do not apply to the overall cost of the policy. Most cut the price of certain insurance coverages like medical payments or collision. So even though they make it sound like all those discounts means the company will pay you, you’re out of luck. But all discounts will cut the amount you have to pay.

To choose insurance companies offering auto insurance discounts, click here to view.

How to Compare Auto Insurance Costs

There are a variety of methods to shop for auto insurance, and some are less time-consuming than others. You can spend countless hours driving to local insurance agents in your area, or you can utilize the web to maximize your effort.

Many popular insurance companies are enrolled in a marketplace that allows shoppers to send in one quote, and at least one company returns a competitive quote for coverage. This eliminates the need for quote requests for each company you want a rate for.

To participate in this free quote system, click to open in new window.

The only downside to comparing rates this way is buyers cannot specifically choose which carriers you want pricing from. If you prefer to choose from a list of companies to request quotes from, we have a page of companies who write auto insurance in your area. View list of insurance companies.

Whichever method you choose, be sure to compare identical coverage limits for every quote you compare. If your comparisons have different values for each quote it’s not possible to make a fair comparison for your Dodge Durango.<img class="alignright" style="padding-top:15px" src="" alt=" insurance quotes” />

Dodge Durango rates influenced by many factors

Consumers need to have an understanding of the rating factors that come into play when calculating the rates you pay for auto insurance. Knowing what determines base rates enables informed choices that may reward you with better auto insurance rates.

The list below includes a few of the “ingredients” auto insurance companies consider when setting rates.

  • Car features impact rates – Driving a car with a theft deterrent system can save you a little every year. Theft prevention devices such as LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system all hinder your vehicle from being stolen.
  • Liability coverage is cheap – Your policy’s liability coverage is the protection if you are found liable for damages from an accident. Liability insurance provides legal defense which can cost thousands of dollars. Carrying liability coverage is mandatory and cheap as compared to coverage for physical damage, so do not cut corners here.
  • More claims means more premium – Car insurance companies provide better rates to policyholders who do not rely on their insurance for small claims. If you are a frequent claim filer, you can pretty much guarantee higher rates. Auto insurance is intended to be relied upon for larger claims.
  • Pay less after the wedding – Being married actually saves money on your policy. Marriage translates into being more mature and it’s statistically proven that married drivers get in fewer accidents.

When should I use an insurance agent?

When choosing the right insurance coverage, there isn’t really a “perfect” insurance plan. Everyone’s needs are different.

Here are some questions about coverages that may help highlight whether your personal situation would benefit from professional advice.

  • Am I covered when delivering products for my home-based business?
  • Is my nanny covered when driving my vehicle?
  • How much liability do I need to cover my assets?
  • Do I really need UM/UIM coverage?
  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • Who is covered by my policy?

If it’s difficult to answer those questions but one or more may apply to you, then you may want to think about talking to an agent. If you don’t have a local agent, take a second and complete this form. It is quick, free and can provide invaluable advice.

Car Insurance through a local agent

A small number of people just want to sit down with an agent and that is a personal choice. Licensed agents can answer important questions and give you someone to call. The best thing about comparing rates online is you may find the best rates but also keep your business local. And supporting local agencies is important especially in small towns and cities.

For easy comparison, once you complete this short form, the quote information is submitted to participating agents who will give you bids for your insurance coverage. There is no need to leave your house due to the fact that quote results will go straight to your inbox. It doesn’t get any easier!

Choose an insurance agent wisely

When looking for a reliable agent, you need to know there are two types of agencies to choose from. Agencies are categorized either captive or independent. Both types can write coverage properly, but it’s worth mentioning how they are different since it can impact the type of agent you choose

Independent Agents (or Brokers)

Independent insurance agents are not locked into one company so they have the ability to put coverage with many different companies and possibly get better coverage at lower prices. If your agent finds better pricing, an independent agent can move your coverage and you won’t have to switch agencies. When searching for an agent, it’s a good idea to include at least one independent agent for maximum quote selection. Most have the option of insuring with lesser-known insurance companies who may have lower rates.

Captive Agents

This type of agents write business for a single company and some examples include American Family, State Farm and Allstate. Captives cannot compare other company’s rates so always compare other rates. Captives are very knowledgeable in insurance sales which can be an advantage. Some consumers prefer to purchase coverage from captives mostly because of high brand loyalty and strong financial ratings.

To view a full list of insurance agencies, visit this site.

Choosing an insurance agent needs to be determined by more than just the price. Any agent should have no problem answering these questions:

  • Did they already check your driving record and credit reports?
  • Who is covered by the car insurance policy?
  • How long has their agency been in business?
  • Does the company allow you to choose your own collision repair facility?
  • Do they have adequate Errors and Ommissions coverage? This protects you if they make a mistake.
  • Do they make recommendations based only on price?
  • Will their companies depreciate repairs to your car based on the mileage?

After getting positive responses to these questions and a good coverage price, chances are good that you have found an insurance agent that will adequately provide auto insurance.

The best insurance company isn’t always the cheapest

You just learned a lot of tips how to save on Dodge Durango insurance. The key concept to understand is the more you quote, the more likely it is that you will get a better rate. Consumers could even find that the most savings is with a smaller regional carrier.

When trying to cut insurance costs, you should never reduce coverage to reduce premium. There are many occasions where an insured dropped uninsured motorist or liability limits to discover at claim time that a couple dollars of savings turned into a financial nightmare. Your aim should be to find the BEST coverage at the best price while still protecting your assets.

Cost effective Dodge Durango insurance can be purchased both online and also from your neighborhood agents, and you need to price shop both to have the best chance of lowering rates. Some insurance providers may not provide online price quotes and these small, regional companies work with independent agents.