How Much Does 2014 Dodge Durango Car Insurance Cost?

Want lower insurance coverage rates for your Dodge Durango? Trying to find low-cost insurance for a Dodge Durango can normally be a painful process, but you can use a few tricks and make it easy.

There is a better way to shop for insurance coverage and you need to know the proper way to compare rates for a new or used Dodge and obtain the cheapest rates from local insurance agents and online providers.

It’s a good idea to take a look at other company’s rates once or twice a year due to the fact that insurance prices are variable and change quite frequently. Even if you got the lowest rate for Durango insurance last year other companies may now be cheaper. You can find a lot of misleading information regarding insurance coverage out there, but in a few minutes you can learn a bunch of ideas how to lower your insurance coverage rates.

If you are insured now or are just looking to switch companies, you can learn to get lower rates and possibly find even better coverage. Pricing affordable auto insurance coverage is simple if you know the tricks. Drivers only need an understanding of the most efficient way to shop over the internet.

The method we recommend to get rate comparisons is to understand car insurance companies actually pay money for the chance to compare rate quotes. To start a quote, the only thing you need to do is give them rating details including if you went to college, distance driven, your credit rating estimate, and if you are currently licensed. That rating data is sent automatically to many highly-rated insurers and you get price estimates very quickly.

To compare rates now, click here and see if a lower rate is available.

Don’t overlook these insurance coverage discounts

Some insurers don’t necessarily list the entire discount list in an easy-to-find place, so we took the time to find a few of the more well known and the harder-to-find discounts that may be available.

  • Pay Early and Save – By paying your entire bill at once rather than paying monthly you could save 5% or more.
  • E-sign – A handful of larger companies will give a small break for buying your policy on the web.
  • Multiple Cars – Buying insurance for primary and secondary vehicles with one company can get a discount on all vehicles.
  • Own a Home and Save – Just being a homeowner can earn you a little savings because of the fact that having a home requires personal responsibility.
  • Renewal Discounts – A few insurance coverage companies give discounts for switching policies early. It could save around 10% when you buy auto insurance online.
  • Cautious Driver Discount – Drivers without accidents may save up to 50% more for Durango insurance than their less cautious counterparts.
  • Discount for Life Insurance – Select insurance coverage companies reward you with a small discount if you purchase a life policy as well.
  • Theft Prevention Discount – Vehicles that have factory alarm systems and tracking devices have a lower chance of being stolen so companies will give you a small discount.
  • Driver’s Education for Students – Cut your cost by having your teen driver participate in a local driver’s education class if it’s offered in school.
  • Passive Restraints – Vehicles equipped with air bags or automatic seat belts can qualify for discounts up to 30%.

Discounts save money, but please remember that most of the big mark downs will not be given to your bottom line cost. Most cut individual premiums such as comp or med pay. Even though the math looks like having all the discounts means you get insurance for free, it’s just not the way it works.

Insurance companies that have some of the above discounts may include but are not limited to:

If you need lower rates, check with every insurance company what discounts are available to you. All car insurance discounts may not apply to policyholders everywhere. For a list of insurance companies with discount rates, click here.

Why you might pay increased rates

The best way to find cheaper insurance is to take a look at some of the elements that help determine your premiums. If you have some idea of what determines premiums, this enables informed choices that can earn you cheaper rates.

The list below includes most of the major factors used by insurance companies to determine rates.

  • Guys pay higher costs – Statistics have proven that men are more aggressive behind the wheel. It does not mean males are worse at driving than females. Women and men cause at-fault accidents in similar numbers, but the males cause more damage and cost insurance companies more money. Men also statistically get ticketed for serious violations like driving under the influence (DUI). Teenage male drivers are several times more likely to be in an accident and thus pay the highest rates.
  • Liability is critical – Liability insurance provides coverage if ever you are ruled to be at fault for damages caused by your negligence. Liability insurance provides for a legal defense up to the limits shown on your policy. This coverage is very inexpensive compared to physical damage coverage, so insureds should have plenty of protection for their assets.
  • Rural vs Urban Areas – Having an address in small towns and rural areas has definite advantages when talking about insurance. Drivers in populated areas have to deal with congested traffic and a longer drive to work. Less people means a lower chance of having an accident and lower theft and vandalism rates.
  • Alarms and GPS tracking lower insurance rates – Choosing to buy a car with an alarm system can help lower your rates. Anti-theft devices like OnStar found on GM vehicles, advanced tracking like LoJack, and vehicle immobilization systems all help stop vehicle theft.
  • Single drivers may pay more – Having a spouse may cut your premiums on your policy. It is viewed as being more mature than a single person and it’s proven that married drivers tend to have fewer serious accidents.
  • Tickets drive up prices – Drivers who don’t get tickets get better rates than bad drivers. Even one speeding ticket or other violation can increase the cost of insurance twenty percent or more. People who have license-revoking violations such as DWI, reckless driving or hit and run convictions are required to prove financial responsibility to the state department of motor vehicles in order to keep their license.
  • Older drivers save more – Older insureds are shown to be more cautious, cause fewer claims and accidents and get fewer tickets.Young drivers have been known to get distracted easily when behind the wheel so insurance rates are higher.

When to get professional advice

When choosing adequate coverage for your personal vehicles, there is no perfect coverage plan. Every insured’s situation is different.

For example, these questions may help you determine if you might need an agent’s assistance.

  • When should I remove comp and collision on my 2014 Dodge Durango?
  • Is extra glass coverage worth it?
  • Is rental equipment covered for theft or damage?
  • Does my policy cover me when driving someone else’s vehicle?
  • What is high-risk coverage and where do I buy it?
  • Do I need PIP (personal injury protection) coverage in my state?
  • What happens if I owe more than my 2014 Dodge Durango is worth?
  • What are the best liability limits?
  • Am I covered if I hit my neighbor’s mailbox?
  • What is the ISO rating for a 2014 Dodge Durango?

If you don’t know the answers to these questions but a few of them apply, then you may want to think about talking to an insurance agent. If you don’t have a local agent, fill out this quick form. It’s fast, free and you can get the answers you need.

Insurance coverage savings promises

Consumers get pounded daily by advertisements that promise big savings by companies like 21st Century, Allstate and State Farm. All the companies make the point that you’ll save big if you just switch your policy.

But how can every company have lower policy pricing? Just pay attention to how they say it.

Many companies require specific criteria for a prospective insured that will most likely be profitable. One example of a desirable risk could possibly be between the ages of 30 and 50, is a homeowner, and the vehicle is rated for pleasure use. Anyone that fits those parameters will probably get cheap rates and will probably save some money.

People who don’t measure up to those standards will have to pay more expensive rates and this can result in the customer not purchasing. If you listen closely, the ads state “customers that switch” but not “all drivers who get quotes” save the amount stated. That’s the way insurance companies can confidently make the claims of big savings.

Each company has different criteria, so drivers must do a price quote comparison at every renewal. It’s not possible to predict which insurance coverage company will have the lowest rates.

Information about specific coverages

Knowing the specifics of your policy can help you determine which coverages you need at the best deductibles and correct limits. Auto insurance terms can be ambiguous and coverage can change by endorsement.

Comprehensive coverages – Comprehensive insurance pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive can pay for claims like rock chips in glass, a broken windshield, hail damage, hitting a deer and damage from flooding. The highest amount you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle’s value is low consider dropping full coverage.

Collision – Collision coverage covers damage to your Durango from colliding with another vehicle or an object, but not an animal. You have to pay a deductible then your collision coverage will kick in.

Collision can pay for claims like damaging your car on a curb, backing into a parked car, rolling your car, sustaining damage from a pot hole and colliding with a tree. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are 8 years or older. Drivers also have the option to bump up the deductible to save money on collision insurance.

Coverage for medical payments – Coverage for medical payments and/or PIP reimburse you for short-term medical expenses like pain medications, rehabilitation expenses and hospital visits. They can be used in conjunction with a health insurance program or if there is no health insurance coverage. It covers all vehicle occupants as well as getting struck while a pedestrian. PIP coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage

Liability coverage – Liability coverage protects you from damages or injuries you inflict on other people or property by causing an accident. It protects YOU against other people’s claims, and doesn’t cover damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have policy limits of 50/100/50 that translate to a $50,000 limit per person for injuries, a total of $100,000 of bodily injury coverage per accident, and a limit of $50,000 paid for damaged property. Alternatively, you may have a combined single limit or CSL which limits claims to one amount with no separate limits for injury or property damage.

Liability can pay for claims such as funeral expenses, legal defense fees, repair bills for other people’s vehicles, loss of income and court costs. The amount of liability coverage you purchase is up to you, but buy as high a limit as you can afford.

Uninsured and underinsured coverage – Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when the “other guys” either are underinsured or have no liability coverage at all. Covered claims include medical payments for you and your occupants as well as your vehicle’s damage.

Since a lot of drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Normally the UM/UIM limits are identical to your policy’s liability coverage.

Be a smart shopper

Consumers change insurance companies for many reasons like unfair underwriting practices, high prices, denial of a claim or policy cancellation. It doesn’t matter why you want to switch switching insurance companies is not as difficult as it may seem.

More affordable insurance can be purchased on the web and from local agencies, so you need to shop auto insurance with both in order to have the best chance of saving money. Some insurance providers do not offer price quotes online and most of the time these smaller providers only sell coverage through independent agents.

You just learned some good ideas how to save on 2014 Dodge Durango insurance. The key thing to remember is the more you quote auto insurance, the better your chances of lowering your car insurance rates. Consumers may even find the lowest priced insurance comes from a small mutual company.

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