2012 Dodge Durango Insurance Cost – 9 Tips to Save

Looking for better insurance coverage rates for your Dodge Durango? Having to pay for pricey Dodge Durango insurance can dwindle your budget and require stricter spending habits. Getting a rate comparison is an excellent way to tighten up your finances.

There are many car insurance companies to buy insurance from, and even though it’s nice to have a selection, it can be more difficult to compare rates.

Finding affordable coverage is easy if you know what you’re doing. If you currently have car insurance, you will most likely be able to lower your premiums substantially using these techniques. Drivers just need to understand the proper way to get comparison rates on the web.

How to get cheap insurance coverage

Getting more affordable 2012 Dodge Durango insurance coverage pricing is actually quite simple. Consumers just need to take a few minutes comparing free insurance coverage quotes from different insurance companies. Shoppers can get rates using a couple different methods.

  • The most recommended method to compare a lot of rates at once is to use a rate comparison form click to view form in new window. This form eliminates the need for boring form submissions for every insurance coverage company. Filling out one form gets insurance cost estimates instantly.
  • A harder way to obtain and compare quotes online is spending the time to visit the website of each company to request a price quote. For example, let’s assume you want to compare rates from Farmers, Progressive and Allstate. To do that, you would have to go to every website and repeatedly type in your coverage information, and that explains why we recommend the first method.

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

Take whichever approach you prefer, but make darn sure you compare nearly identical coverage limits on every quote. If each company quotes different deductibles you will not be able to determine the lowest rate for your Dodge Durango.

Double check you’re getting with these nine discounts

Some providers don’t necessarily list all possible discounts very well, so the list below gives a summary of some of the best known and also the more inconspicuous credits that may apply to you.

  • Anti-lock Brake Discount – Vehicles equipped with ABS or steering control have fewer accidents and the ABS can save up to 10%.
  • Early Renewal Discounts – Some larger companies provide a discount for buying a policy prior to your current policy expiration. The savings is around 10%.
  • Onboard Data Collection – Drivers that enable driving data collection to analyze where and when they drive through the use of a telematics system such as Progressive’s Snapshot and State Farm’s In-Drive may see discounts as long as they are good drivers.
  • Professional Memberships – Participating in qualifying employment or professional organizations could trigger savings on your next insurance statement.
  • Distant Student – College-age children who are attending college and won’t have access to an insured vehicle may qualify for this discount.
  • Policy Bundle Discount – If you have multiple policies with one company you could save as much as 10 to 15 percent.
  • Senior Discount – Drivers that qualify as senior citizens may receive a slight reduction on a insurance coverage quote on Durango coverage.
  • Driver Safety – Completing a course teaching safe driver skills could save 5% or more and also improve your driving technique.
  • Life Insurance Discount – Insurance companies who offer life insurance give a lower insurance rate if you buy life insurance from them.

We need to note that many deductions do not apply to the overall cost of the policy. Most only apply to individual premiums such as medical payments or collision. Despite the appearance that all those discounts means the company will pay you, you aren’t that lucky.

To see a list of insurance companies with the best discounts, click this link.

Your situation helps dictate your coverage

When it comes to buying proper insurance coverage for your personal vehicles, there isn’t really a “best” method to buy coverage. Your needs are not the same as everyone else’s and a cookie cutter policy won’t apply. For example, these questions can aid in determining whether your personal situation would benefit from an agent’s advice.

  • Is my teenager covered with friends in the car?
  • When should I buy a commercial auto policy?
  • Where can I find DUI or SR-22 insurance?
  • When do I need to add a new car to my policy?
  • Is a fancy paint job covered?
  • Can I afford to buy a different vehicle if my 2012 Dodge Durango is totaled?

If you’re not sure about those questions but you know they apply to you, then you may want to think about talking to an agent. If you want to speak to an agent in your area, fill out this quick form or click here for a list of car insurance companies in your area. It’s fast, free and can help protect your family.

Coverage specifics

Knowing the specifics of insurance helps when choosing appropriate coverage and the correct deductibles and limits. Insurance terms can be confusing and even agents have difficulty translating policy wording. Shown next are typical coverage types found on the average insurance policy.

Uninsured or underinsured coverage

This gives you protection when the “other guys” are uninsured or don’t have enough coverage. Covered claims include medical payments for you and your occupants as well as your vehicle’s damage.

Since many drivers only carry the minimum required liability limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages is a good idea.

Comprehensive protection

Comprehensive insurance will pay to fix damage from a wide range of events other than collision. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive insurance covers things like a tree branch falling on your vehicle, falling objects and hitting a bird. The highest amount 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.

Coverage for collisions

This pays to fix your vehicle from damage resulting from a collision with an object or car. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for things like crashing into a ditch, backing into a parked car, colliding with another moving vehicle, crashing into a building and driving through your garage door. Collision is rather expensive coverage, so consider dropping it from older vehicles. Drivers also have the option to choose a higher deductible to save money on collision insurance.

Liability car insurance

This provides protection from injuries or damage you cause to a person or their property by causing an accident. It protects you from legal claims by others, and does not provide coverage for your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have values of 25/50/25 that means you have a limit of $25,000 per injured person, a limit of $50,000 in injury protection per accident, and property damage coverage for $25,000.

Liability can pay for things such as repair bills for other people’s vehicles, medical services and pain and suffering. How much liability should you purchase? That is your choice, but consider buying as large an amount as possible.

Medical expense coverage

Coverage for medical payments and/or PIP reimburse you for bills for prosthetic devices, dental work, surgery and hospital visits. They can be utilized in addition to your health insurance program or if you are not covered by health insurance. Medical payments and PIP cover all vehicle occupants in addition to if you are hit as a while walking down the street. PIP is not an option in every state but it provides additional coverages not offered by medical payments coverage

Keep this in mind

When buying insurance coverage, it’s very important that you do not skimp on critical coverages to save a buck or two. There have been many cases where an accident victim reduced liability limits or collision coverage and found out when filing a claim that it was a big error on their part. The proper strategy is to purchase plenty of coverage for the lowest price, but don’t skip important coverages to save money.

There are still a few companies who may not have the ability to get quotes online and these smaller providers only sell coverage through independent insurance agencies. Cheaper 2012 Dodge Durango insurance can be found online in addition to local insurance agencies, so you need to compare both to have the best rate selection.

Additional information can be found at the links below