Lower Your 2015 Dodge Durango Insurance Quotes

Looking for cheaper auto insurance rates for your Dodge Durango? No one in their right mind looks forward to buying auto insurance, in particular when their premiums are through the roof. There are many car insurance companies to buy insurance from, and although it’s nice to have multiple companies, lots of choices makes it harder to find the best rates for your vehicles.

Pricing affordable insurance coverage is easy if you know what you’re doing. If you have insurance now or need new coverage, you can use these techniques to get lower rates while maximizing coverage. Drivers just need to understand the proper way to shop online.

Dodge Durango insurance premiums can be lower

Part of the car insurance buying process is learning some of the things that help determine car insurance rates. If you understand what determines base rates, this helps enable you to make changes that could help you find lower premium levels.

• Safer vehicles means better premiums – Vehicles with high crash test scores can get you lower premiums. Vehicles engineered for safety have better occupant injury protection and reduced instances of injuries means your insurance company pays less which can mean better rates for you.
• Only buy incidental coverages you need – There are a ton of extra add-on coverages that you can buy on your car insurance policy. Insurance for personal injury protection, death and dismemberment, and extra equipment coverage may not be needed and are just wasting money. You may think they are a good idea when you first buy your policy, but if you have no use for them think about removing them and cutting costs.
• Lower rates with no policy lapses – Driving without insurance is a misdemeanor and you may have a hard time finding new coverage because you let your insurance lapse. Not only will you pay higher rates, the inability to provide proof of insurance may earn you a hefty fine and possibly a revoked license.
• Teenagers are high risk – More experienced drivers tend to be more responsible, are lower risk to insure and get fewer tickets.Teenage drivers have a tendency to be inattentive and easily distracted with other occupants in the car so they pay higher car insurance rates.
• High coverage deductibles equal low rates – The deductibles you choose represent how much money you are willing to pay in the event of a claim. Insurance for physical damage to your car, also called comprehensive and collision insurance, covers damage that occurs to your car. Some examples of covered claims could be rearending another vehicle, collision with a deer, and having a roll-over accident. The more damage repair cost you pay before a claim is paid (deductible), the lower your rates will be on Durango coverage.
• Drive less and save – The higher the mileage driven in a year’s time the higher your rate. The majority of insurers calculate rates determined by how the vehicle is used. Cars and trucks that have low annual miles can get a lower rate than cars that get driven a lot. An improperly rated Durango can result in significantly higher rates. Verify your car insurance policy is rated on the correct usage for each vehicle.
• Liability coverage risk factors in – The liability coverage on your policy provides coverage if a court rules you are at fault for damages caused by your negligence. It will provide you with a defense in court which can cost thousands of dollars. It is affordable coverage when compared to the cost of physical damage coverage, so do not cut corners here.

Car Insurance Discounts

The cost of insuring your cars can be expensive, but there’s a good chance there are discounts that could drop your premiums quite a bit. A few discounts will be applied when you purchase, but less common discounts must be requested specifically before you get the savings.

• Save with a New Car – Adding a new car to your policy can save you some money because new model year vehicles keep occupants safer.
• Drive Less and Save – Fewer annual miles on your Dodge can qualify you for better prices on cars that stay parked.
• Distant Student Discount – Youth drivers who live away from home at college and won’t have access to an insured vehicle may qualify for this discount.
• Multi-Vehicle Discounts – Buying coverage for multiple vehicles on one policy can get a discount on all vehicles.
• Sign Online – A few car insurance companies will discount your bill up to fifty bucks for completing your application on the web.
• Memberships – Affiliation with a qualifying organization could earn you a nice discount when shopping for car insurance.
• Anti-lock Brake System – Cars with anti-lock braking systems prevent accidents and therefore earn up to a 10% discount.
• Seat Belt Discounts – Drivers who require all occupants to use a seat belt can save 10% or more on the premium charged for medical payments and/or PIP.

Don’t be shocked that some of the credits will not apply to the entire policy premium. Most cut the price of certain insurance coverages like physical damage coverage or medical payments. So even though it sounds like it’s possible to get free car insurance, you won’t be that lucky. Any qualifying discounts will definitely lower your overall bill.

If you would like to view car insurance companies who offer car insurance discounts, click here to view.

Tailor your auto insurance coverage to you

When it comes to choosing the best auto insurance coverage, there really is no single plan that fits everyone. Every insured’s situation is different and a cookie cutter policy won’t apply. For instance, these questions could help you determine if your insurance needs would benefit from an agent’s advice.

• Is my state a no-fault state?
• Do I have coverage for damage caused while driving under the influence?
• Will filing a claim cost me more?
• Which is better, split liability limits or combined limits?
• Do I need special endorsements for business use of my vehicle?
• How do I buy GAP insurance?
• Is rental equipment covered for theft or damage?
• What vehicles should carry emergency assistance coverage?
• When should I drop full coverage on my 2015 Dodge Durango?
• What is PIP insurance?

If you can’t answer these questions but one or more may apply to you, you might consider talking to an agent. If you don’t have a local agent, take a second and complete this form or click here for a list of auto insurance companies in your area. It is quick, free and you can get the answers you need.

Specifics of your insurance policy

Having a good grasp of your policy can help you determine appropriate coverage 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 normal coverages found on the average insurance policy.

Comprehensive insurance

Comprehensive insurance pays to fix your vehicle from damage from a wide range of events other than collision. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against claims like a broken windshield, damage from flooding, hitting a deer, hitting a bird and theft. The most you can receive from a comprehensive claim is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Coverage for uninsured or underinsured drivers

This coverage protects you and your vehicle when other motorists are uninsured or don’t have enough coverage. Covered claims include injuries to you and your family as well as damage to your 2015 Dodge Durango.

Due to the fact that many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family. Most of the time your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.

Coverage for medical expenses

Personal Injury Protection (PIP) and medical payments coverage kick in for short-term medical expenses for dental work, nursing services, funeral costs, EMT expenses and ambulance fees. The coverages can be used in conjunction with a health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover not only the driver but also the vehicle occupants and will also cover if you are hit as a while walking down the street. PIP coverage is not universally available and may carry a deductible

Collision coverage

This covers damage to your Durango resulting from colliding with another car or object. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for claims like hitting a mailbox, colliding with a tree and scraping a guard rail. This coverage can be expensive, so consider dropping it from vehicles that are older. Another option is to raise the deductible to get cheaper collision coverage.

Auto liability

This coverage provides protection from damage that occurs to people or other property that is your fault. It protects YOU from claims by other people, and does not provide coverage for your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. You might see policy limits of 25/50/25 that means you have $25,000 in coverage for each person’s injuries, a total of $50,000 of bodily injury coverage per accident, and $25,000 of coverage for damaged propery. Another option is a combined limit that pays claims from the same limit rather than limiting it on a per person basis.

Liability insurance covers claims such as loss of income, medical services, emergency aid and funeral expenses. How much liability coverage do you need? That is up to you, but consider buying as much as you can afford.

Shop smart and save

Throughout this article, we presented some good ideas how you can lower your 2015 Dodge Durango insurance car insurance rates. The key thing to remember is the more price quotes you have, the better your comparison will be. You may even find the biggest savings come from a company that doesn’t do a lot of advertising. These companies may have significantly lower premium rates on certain market segments than the large multi-state companies such as State Farm or Progressive.

While you’re price shopping online, make sure you don’t reduce needed coverages to save money. In too many instances, an insured cut liability coverage limits only to find out that saving that couple of dollars actually costed them tens of thousands. The goal is to buy the best coverage you can find at the best price but still have enough coverage for asset protection.

The cheapest 2015 Dodge Durango insurance can be sourced on the web and from local insurance agents, and you need to comparison shop both to have the best rate selection. Some insurance coverage companies may not offer rate quotes online and many times these small, regional companies provide coverage only through local independent agencies.

To read more, feel free to browse the articles below:

• What is Gap Insurance? (Insurance Information Insitute)
• Safe Vehicles for Teens (iihs.org)
• Learn About Car Insurance (Geico)
• Alcohol Impaired Driving FAQ (iihs.org)
• Vehicle Safety Ratings (iihs.org)
• Tools for Teen Driving Safety (State Farm)