Lower Your 2016 Dodge Durango Insurance Quotes

I can’t think of anyone who loves paying for insurance coverage, particularly when they are paying too much. Due to the abundance of options, it can be diffult for drivers to choose the most cost effective insurance company.

You should make it a habit to price shop coverage as often as possible because insurance coverage rates change regularly. Just because you found the best deal for Durango insurance six months ago you will most likely find a better price today. You’ll find a ton of advice on insurance coverage online but in a few minutes you can learn the best ways to put money back in your pocket.

The purpose of this article is to let you in on the most effective way to quote insurance and some tips to save money. If you are paying for car insurance now, you should be able to save some money using this strategy. Vehicle owners only need to know the best way to get comparison rates on the web.

You may qualify for discounts

Auto insurance companies do not advertise every policy discount very clearly, so here is a list some of the best known in addition to some of the lesser obvious ways to save on auto insurance. If you don’t get every credit available, you could be getting lower rates.

• Save with More Vehicles Insured – Buying coverage for more than one vehicle on a single policy can reduce the rates for all insured vehicles.
• Discount for Low Mileage – Driving fewer miles could qualify for discounted prices on garaged vehicles.
• Student Driver Training – Cut your cost by having your teen driver participate in a local driver’s education class in school.
• Good Student Discount – Performing well in school could provide a savings of up to 20% or more. The good student discount can last until age 25.
• Renewal Discounts – A few auto insurance companies offer discounts for buying a new policy before your current policy expires. This discount can save up to 10%.

Don’t be shocked that many deductions do not apply to the overall cost of the policy. Most only cut individual premiums such as physical damage coverage or medical payments. Despite the fact that it seems like you can get free auto insurance, companies don’t profit that way.

Insurance companies that may include these benefits may include but are not limited to:

• Geico
• Travelers
• Nationwide
• Farmers Insurance
• Esurance
• State Farm
• Progressive
• Mercury Insurance

Check with every prospective company which discounts you may be entitled to. Some discounts may not be offered in your area.

Informed drivers know how to get insurance for less

Smart consumers have a good feel for the rating factors that are used to determine your insurance rates. If you have a feel for what controls the rates you pay, this helps enable you to make changes that may result in better insurance rates.

• Drive fewer miles and save – The higher the mileage driven every year the higher your rates will be. Many insurance companies apply a rate based upon how the vehicle is primarily used. Cars and trucks not used for work or commuting cost less to insure as compared to vehicles used primarily for driving to work. Ask your agent if your insurance policy shows the correct usage. An incorrectly rated Durango is throwing money out the window.
• More policies can equal more savings – Many insurers give a discount to buyers who consolidate policies with them, otherwise known as a multi-policy discount. Even if you’re getting this discount consumers should still check prices from other companies to make sure you are getting the best deal.
• Accidents will cost you – Whether or not you get tickets influences premium rates substantially. Good drivers get better rates compared to bad drivers. Even a single moving violation can boost insurance rates substantially. Drivers with license-revoking violations such as DWI, reckless driving or hit and run convictions may face state-mandated requirements to maintain a SR-22 with their state’s licensing department in order to legally drive a vehicle.
• Do you know your physical damage deductibles? – The deductibles are how much you are required to spend out-of-pocket before your insurance pays a claim. Physical damage insurance, also called ‘full coverage’, covers damage that occurs to your car. Examples of some claims that would be covered are a windshield broken by a bird, fire damage, and having a roll-over accident. The larger the amount you choose to pay out-of-pocket, the better rate you will receive for Durango insurance.

There’s no such thing as the perfect auto insurance policy

When it comes to buying proper insurance coverage for your vehicles, there is no cookie cutter policy. Your needs are not the same as everyone else’s so your insurance needs to address that. These are some specific questions could help you determine if your situation might need an agent’s assistance.

• Does car insurance cover theft of personal property?
• Do I have coverage when making deliveries for my home business?
• Can I rent a car in Mexico?
• Is my babysitter covered when using my vehicle?
• Should I put collision coverage on all my vehicles?
• Is my 2016 Dodge Durango covered for smoke damage?
• Is other people’s property covered if stolen from my vehicle?
• Are all vehicle passengers covered by medical payments coverage?
• Am I missing any policy discounts?
• How much liability coverage do I need in my state?

If you can’t answer these questions but one or more may apply to you, you may need to chat with a licensed insurance agent. To find lower rates from a local agent, complete this form or you can go here for a list of companies in your area. It’s fast, free and you can get the answers you need.

Coverages available on your insurance policy

Learning about specific coverages of your policy aids in choosing which coverages you need for your vehicles. The terms used in a policy can be confusing and even agents have difficulty translating policy wording. Listed below are the usual coverages found on most insurance policies.

Medical expense insurance – Personal Injury Protection (PIP) and medical payments coverage provide coverage for short-term medical expenses for surgery, prosthetic devices, X-ray expenses, rehabilitation expenses and EMT expenses. They can be used to cover expenses not covered by your health insurance plan or if you are not covered by health insurance. It covers you and your occupants as well as being hit by a car walking across the street. Personal injury protection coverage is not an option in every state but can be used in place of medical payments coverage

Comprehensive (Other than Collision) – This pays to fix your vehicle from damage from a wide range of events other than collision. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against things like rock chips in glass, damage from a tornado or hurricane and a tree branch falling on your vehicle. The maximum payout you’ll receive from a claim is the market value of your vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.

Collision – This coverage pays to fix your vehicle from damage resulting from a collision with another car or object. You have to pay a deductible and then insurance will cover the remainder.

Collision coverage pays for things such as crashing into a building, crashing into a ditch and sideswiping another vehicle. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are older. It’s also possible to bump up the deductible to save money on collision insurance.

Liability car insurance – Liability insurance provides protection from injuries or damage you cause to people or other property. This coverage protects you from claims by other people. Liability doesn’t cover your injuries or vehicle damage.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have values of 25/50/25 which stand for $25,000 in coverage for each person’s injuries, a total of $50,000 of bodily injury coverage per accident, and a total limit of $25,000 for damage to vehicles and property. Another option is a combined limit which combines the three limits into one amount without having the split limit caps.

Liability insurance covers claims like repair costs for stationary objects, medical expenses, funeral expenses, bail bonds and court costs. How much liability should you purchase? That is up to you, but consider buying higher limits if possible.

Protection from uninsured/underinsured drivers – Your UM/UIM coverage gives you protection from other motorists when they either have no liability insurance or not enough. Covered claims include medical payments for you and your occupants and damage to your Dodge Durango.

Since 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. Normally these limits are similar to your liability insurance amounts.

More choices the merrier

When getting car insurance quotes online, you should never reduce coverage to reduce premium. There are many occasions where someone sacrificed collision coverage and found out when filing a claim that it was a big error on their part. Your goal should be to buy the best coverage you can find at the lowest possible cost and still be able to protect your assets.

We covered some good ideas how you can save on 2016 Dodge Durango insurance. The key thing to remember is the more companies you get prices for, the higher your chance of finding cheap car insurance. You may even discover the best premium rates are with an unexpected company. Smaller companies can often provide lower prices in certain areas than their larger competitors like Allstate and Progressive.

Additional insurance information is located below:

• Anti-Lock Brake FAQ (iihs.org)
• Young Drivers: The High Risk Years Video (iihs.org)
• Get the Right Protection (InsureUonline.org)
• Distracted Driving (Insurance Information Insitute)
• If I File a Claim will My Insurance Go Up? (Insurance Information Insitute)