Compare 2014 Dodge Durango Insurance Rates

Trying to find the cheapest car insurance rates? Buyers have options when searching for affordable Dodge Durango insurance. They can either spend hours calling around to compare prices or leverage the internet to compare rates. There is a better way to find car insurance online so we’re going to tell you the proper way to price shop coverage on a Dodge and get the lowest price from local insurance agents and online providers.

If you have a current car insurance policy or are looking for a new policy, you can use these tips to find better prices and still get good coverage. This article will help educate you on the most effective way to quote insurance and some money-saving tips. Vehicle owners only need to know the proper way to shop on the web.

How to find cheap insurance

Finding low cost insurance rates is pretty simple and can save money. The only thing you need to do is take a few minutes to compare free insurance coverage quotes provided by online insurance companies. It’s really simple and can be done by following the guidelines below.

1. The most efficient method to find low rates is to use a rate comparison form like this one (opens in new window). This style of form keeps you from doing repetitive form submissions for every prospective company. A single form gets you coverage quotes from all major companies. Recommended for those who want to invest the least amount of time.
2. A different way to find better pricing requires visiting each individual company website to complete their respective quote request forms. For sake of this example, we’ll assume you want to get rates from Nationwide, State Farm and Geico. To get each rate you have to take the time to go to each site and repeatedly type in your coverage information, which can be really labor intensive.

   To view a list of companies in your area, click here.

How you compare quotes is your choice, just compare nearly identical deductibles and coverage limits on every quote. If you are comparing different deductibles it will be very difficult to determine which rate is truly the best.

Situations that may require an agent’s advice

When it comes to buying the best insurance coverage, there really is no best way to insure your cars. Every insured’s situation is different.

Here are some questions about coverages that could help you determine whether or not you might need professional guidance.

• Can my teen drive my company car?
• Should I buy full coverage?
• Do I need replacement cost coverage?
• Why is insurance for a teen driver so high?
• Is my business laptop covered if it gets stolen from my vehicle?
• What is the difference between comprehensive and collision coverage?
• Why am I be forced to buy a membership to get insurance from some companies?
• Is business equipment covered while in my vehicle?
• Am I covered when driving on a suspended license?

If you don’t know the answers to these questions, you may need to chat with an insurance agent. To find lower rates from a local agent, simply complete this short form. It only takes a few minutes and can help protect your family.

Coverages available on your insurance policy

Learning about specific coverages of insurance can be of help when determining which coverages you need and proper limits and deductibles. Insurance terms can be confusing and coverage can change by endorsement.

Liability car insurance

Liability insurance can cover damages or injuries you inflict on a person or their property that is your fault. This coverage protects you from claims by other people. Liability doesn’t cover your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see limits of 25/50/25 which stand for $25,000 in coverage for each person’s injuries, $50,000 for the entire accident, and property damage coverage for $25,000.

Liability coverage pays for things like legal defense fees, court costs, attorney fees, emergency aid and funeral expenses. The amount of liability coverage you purchase is up to you, but you should buy as large an amount as possible.

Uninsured/Underinsured Motorist coverage

This protects you and your vehicle when the “other guys” either have no liability insurance or not enough. It can pay for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Because many people only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage should not be overlooked.

Auto collision coverage

This coverage pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers things such as backing into a parked car, driving through your garage door, hitting a parking meter, colliding with another moving vehicle and crashing into a building. This coverage can be expensive, so consider removing coverage from lower value vehicles. It’s also possible to increase the deductible to save money on collision insurance.

Medical payments coverage and PIP

Personal Injury Protection (PIP) and medical payments coverage kick in for immediate expenses for hospital visits, chiropractic care, prosthetic devices, rehabilitation expenses and EMT expenses. They are used in conjunction with a health insurance plan or if you do not have health coverage. They cover you and your occupants as well as if you are hit as a while walking down the street. PIP is only offered in select states and gives slightly broader coverage than med pay

Comprehensive coverage

This coverage pays for damage that is not covered by collision coverage. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for claims like vandalism, falling objects and rock chips in glass. The most you’ll receive from a claim is the cash value of the vehicle, so if it’s not worth much more than your deductible consider dropping full coverage.