Cheap 2017 Dodge Durango Car Insurance Quotes

Getting more affordable insurance on the internet might appear somewhat intimidating for vehicle owners not familiar with online price comparisons. With such a big selection of agents and online companies available, how are vehicle owners able to even start to compare every possible option in order to find the cheapest price possible?

It’s a great practice to compare premium rates yearly because prices change quite often. Even if you got the best rates for Durango insurance six months ago other companies may now be cheaper. Block out anything you think you know about insurance because you’re going to get a crash course in the easiest way to properly buy coverages and cut your premium.

Drivers save money with with these discounts

Properly insuring your vehicles can get expensive, but there could be significant discounts that could help you make your next renewal payment. Certain credits will be shown when you complete an application, but some need to be specifically requested prior to getting the savings.

Safety Course Discount – Taking a course that instructs on driving safety is a good idea and can lower rates and easily pay for the cost of the class.
Organization Discounts – Being in a civic or occupational organization could qualify you for a break on insurance coverage.
Drivers Education – Require your teen driver to take driver’s ed class as it can save substantially.
55 and Retired – If you’re over the age of 55, you may receive lower premium rates for Durango insurance.
Anti-lock Brakes – Cars, trucks, and SUVs with ABS and/or traction control can reduce accidents and will save you 10% or more.
Telematics Devices – Drivers that enable data collection to track driving manner remotely such as Progressive’s Snapshot may get a rate reduction if they have good driving habits.
Discount for Low Mileage – Fewer annual miles on your Dodge could qualify for better prices on cars that stay parked.

As a disclaimer on discounts, many deductions do not apply to the overall cost of the policy. Most only apply to the cost of specific coverages such as comp or med pay. So even though they make it sound like you could get a free insurance coverage policy, companies wouldn’t make money that way. But all discounts should help reduce the cost of coverage.

If you would like to view insurers with discount rates, click here to view.

The cheapest auto insurance rate quotes online

When looking for cheaper insurance quotes, there are a couple ways of comparing rate quotes from many auto insurance companies in your state. The best method to find affordable 2017 Dodge Durango insurance rates involves getting comparison quotes online. This can be done in just a few minutes using one of these methods.

The simplest way to get quotes is a comparison rater form like this one (opens in new window). This style of form keeps you from doing a different quote for each company you want a rate for. Completing one form will get you price quotes from multiple low-cost companies.It’s the quickest way to get rates.
A slightly less efficient method to analyze rates is going to each individual company website to complete their respective quote request forms. For sake of this example, let’s assume you want to get rates from Farmers, Safeco and GEICO. To find out each rate you need to take the time to go to each site and enter your policy data, which explains why we recommend starting with the first method. To view a list of companies in your area, click here.
The old school way to find lower rates to insurance agents’ offices. The ability to get quotes online eliminates the middleman unless you prefer the advice and guidance that can only be provided by a licensed insurance agent. It is possible with some companies comparison shop online and have a local agent actually service the policy.

Whichever method you choose, try to use the exact same coverages and limits for each quote you get. If your comparisons have higher or lower deductibles you can’t possibly make a fair rate comparison. Just slight variations in insurance coverages or limits may result in a large different in cost. It’s important to know that obtaining a wide range of quotes helps improve the odds of finding lower pricing. Not every company does prices over the internet, so it’s recommended that you also compare quotes from them, too.

Your situation helps dictate your coverage

When buying the right insurance coverage, there isn’t really a cookie cutter policy. Everyone’s situation is unique.

Here are some questions about coverages that may help highlight whether or not you would benefit from professional advice.

Is my vehicle covered by my employer’s policy when using it for work?
What exactly is covered by my policy?
Are rock chip repairs covered?
Does my 2017 Dodge Durango need full coverage?
Is borrowed equipment or tools covered if stolen or damaged?
What happens if I owe more than my 2017 Dodge Durango is worth?
How high should my uninsured/underinsured coverage be in my state?
Is my cargo covered for damage or theft?

If you can’t answer these questions but you think they might apply to your situation, you might consider talking to a licensed insurance agent. If you want to speak to an agent in your area, simply complete this short form.

Specific coverages for a Dodge Durango

Understanding the coverages of your insurance policy helps when choosing the best coverages at the best deductibles and correct limits. Insurance terms can be ambiguous and even agents have difficulty translating policy wording.

Protection from uninsured/underinsured drivers – This coverage provides protection from other drivers when they either have no liability insurance or not enough. This coverage pays for medical payments for you and your occupants as well as damage to your Dodge Durango.

Due to the fact that many drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage should not be overlooked. Most of the time your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.

Collision coverage – Collision insurance covers damage to your Durango resulting from colliding with another vehicle or an object, but not an animal. You have to pay a deductible and then insurance will cover the remainder.

Collision insurance covers claims such as sustaining damage from a pot hole, crashing into a ditch and colliding with a tree. Collision coverage makes up a good portion of your premium, so consider removing coverage from lower value vehicles. You can also raise the deductible to get cheaper collision coverage.

Comprehensive (Other than Collision) – This pays to fix your vehicle from damage that is not covered by collision coverage. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive can pay for things like hitting a deer, damage from getting keyed, damage from flooding and hitting a bird. The most your insurance company will pay is the cash value of the vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Liability coverage – Liability coverage can cover damage or injury you incur to other people or property that is your fault. This insurance protects YOU from claims by other people. It does not cover damage to your own property or vehicle.

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. As an example, you may have values of 100/300/100 that means you have $100,000 in coverage for each person’s injuries, a limit of $300,000 in injury protection per accident, and property damage coverage for $100,000. Alternatively, you may have a combined single limit or CSL that pays claims from the same limit without having the split limit caps.

Liability coverage protects against claims like court costs, loss of income, legal defense fees, funeral expenses and medical services. How much liability should you purchase? That is a decision to put some thought into, but consider buying as high a limit as you can afford.

Medical expense insurance – Personal Injury Protection (PIP) and medical payments coverage provide coverage for bills such as X-ray expenses, prosthetic devices, dental work and EMT expenses. The coverages can be used in conjunction with a health insurance policy or if you are not covered by health insurance. They cover not only the driver but also the vehicle occupants and will also cover any family member struck as a pedestrian. PIP coverage is only offered in select states but can be used in place of medical payments coverage

Do the work, save more money

Discount 2017 Dodge Durango insurance is definitely available both online as well as from independent agents, and you need to price shop both to get a complete price analysis. Some insurance companies may not have internet price quotes and most of the time these regional carriers provide coverage only through independent agencies.

While you’re price shopping online, don’t be tempted to buy poor coverage just to save money. There have been many situations where an insured dropped liability coverage limits only to discover later that they should have had better coverage. Your focus should be to purchase a proper amount of coverage at the best cost, but do not skimp to save money.

We just covered many tips how you can reduce 2017 Dodge Durango insurance premium rates online. The most important thing to understand is the more rate quotes you have, the better chance you’ll have of finding cheaper insurance. You may be surprised to find that the lowest priced insurance coverage comes from a small mutual company.