2015 Dodge Durango Car Insurance Quotes – 10 Ideas for Best Rates

Have you had enough of trying to scrape together enough money each month for car insurance? You’re in the same situation as most other car owners. Many car insurance companies vie to insure your vehicles, and because of this it can be hard to compare insurance companies and get the definite lowest rate

Cut your insurance coverage rates with these ten discounts

Companies offering auto insurance do not list every discount in a way that’s easy to find, so the following is a list of some of the more common and the harder-to-find ways to save on insurance coverage. If you aren’t receiving every discount you qualify for, you’re paying more than you need to.

  • Drive Safe and Save – Insureds without accidents can pay as much as 50% less on Durango coverage than drivers with accidents.
  • Military Rewards – Having a deployed family member could be rewarded with lower premiums.
  • Student in College – Children who attend school more than 100 miles from home and do not have access to a covered vehicle may be able to be covered for less.
  • One Accident Forgiven – A handful of insurance companies will forgive one accident before your rates go up if you are claim-free prior to the accident.
  • Bundle and Save – If you insure your home and vehicles with one company you may save approximately 10% to 15%.
  • Homeowners Pay Less – Simply owning a home can help you save on insurance coverage because owning a home requires personal responsibility.
  • Pay Now and Pay Less – By paying your policy upfront instead of making monthly payments you may reduce your total bill.
  • Government Employees – Simply working for the federal government could cut as much as 10% off on Durango coverage with a few insurance coverage companies.
  • Discount for Life Insurance – Select insurance companies reward you with a discount if you purchase a life insurance policy as well.
  • Paperless Signup – Some insurance companies will give a small break simply for signing over the internet.

Consumers should know that most of the big mark downs will not be given the the whole policy. The majority will only reduce the cost of specific coverages such as physical damage coverage or medical payments. So even though they make it sound like you could get a free insurance coverage policy, it doesn’t quite work that way.

Car insurance companies that may offer some of the above discounts are:

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

You are unique and your insurance should be too

When it comes to buying coverage for your personal vehicles, there really is no “best” method to buy coverage. Everyone’s needs are different and a cookie cutter policy won’t apply. For example, these questions may help you determine if you might need an agent’s assistance.

  • Should I drop comprehensive coverage on older vehicles?
  • Is my state a no-fault state?
  • Is my dog or cat covered if injured in an accident?
  • Does my policy pay for OEM or aftermarket parts?
  • Do I get a pro-rated refund if I cancel my policy early?
  • Does liability extend to a camper or trailer?
  • Are my tools covered if they get stolen from my vehicle?
  • Am I covered if hit by an uninsured driver?
  • Who is covered when they drive my 2015 Dodge Durango?
  • Can my teen driver be rated on a liability-only vehicle?

If you’re not sure about those questions but one or more may apply to you, you may need to chat with an insurance agent. If you don’t have a local agent, take a second and complete this form or go to this page to view a list of companies. It only takes a few minutes and can help protect your family.

Insurance coverage ads bend the truth

Drivers can’t ignore all the ads that promise big savings from the likes of State Farm and Allstate. All the companies say the same thing of big savings if you switch your coverage to them.

How does each company say the same thing? It’s all in the numbers.

All the different companies have a certain “appetite” for the right customer that earns them a profit. For example, a desirable insured might be a mature driver, owns a home, and has a short commute. A driver who meets those qualifications will qualify for the lowest rates and most likely will cut their rates substantially.

Consumers who are not a match for the “perfect” profile must pay higher rates which leads to the driver buying from a lower-cost company. Company advertisements say “people who switch” but not “drivers who get quotes” save that much. That is how insurance companies can advertise the savings. This illustrates why you absolutely need to get as many comparisons as possible. It’s impossible to know which insurance companies will fit your personal profile best.

Insurance coverage options for a 2015 Dodge Durango

Knowing the specifics of insurance helps when choosing the right coverages and proper limits and deductibles. Policy terminology can be ambiguous and reading a policy is terribly boring. Shown next are typical coverages found on the average insurance policy.

Insurance for medical payments

Med pay and PIP coverage pay for expenses for things like EMT expenses, doctor visits, nursing services and pain medications. The coverages can be used in conjunction with a health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants in addition to if you are hit as a while walking down the street. Personal Injury Protection is not an option in every state but can be used in place of medical payments coverage

Collision insurance

Collision coverage will pay to fix damage to your Durango resulting from a collision with another vehicle or an object, but not an animal. A deductible applies and then insurance will cover the remainder.

Collision insurance covers claims like damaging your car on a curb, crashing into a building and sideswiping another vehicle. Paying for collision coverage can be pricey, so consider dropping it from lower value vehicles. You can also increase the deductible to bring the cost down.

Comprehensive coverage (or Other than Collision)

This will pay to fix damage from a wide range of events other than collision. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for things such as rock chips in glass, hitting a deer, hail damage and vandalism. The maximum payout you’ll receive from a claim is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Uninsured Motorist or Underinsured Motorist insurance

This protects you and your vehicle’s occupants from other motorists when they either are underinsured or have no liability coverage at all. It can pay for medical payments for you and your occupants as well as your vehicle’s damage.

Since many drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is important protection for you and your family.

Liability coverage

This coverage can cover damage or injury you incur to people or other property in an accident. It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show values of 50/100/50 which means $50,000 bodily injury coverage, a per accident bodily injury limit of $100,000, and $50,000 of coverage for damaged propery.

Liability insurance covers claims like structural damage, repair costs for stationary objects, repair bills for other people’s vehicles and emergency aid. How much liability coverage do you need? That is your choice, but you should buy as much as you can afford.

Don’t be a big spender

When shopping online for insurance, make sure you don’t skimp on coverage in order to save money. There have been many situations where someone dropped uninsured motorist or liability limits only to regret that saving that couple of dollars actually costed them tens of thousands. The aim is to get the best coverage possible at a price you can afford.

We just covered a lot of tips how to save on 2015 Dodge Durango insurance. The most important thing to understand is the more companies you get rates for, the better likelihood of reducing your rate. Drivers may discover the best price on insurance is with some of the lesser-known companies. Some small companies may have significantly lower rates on certain market segments as compared to the big name companies such as State Farm and Allstate.

Budget-conscious insurance can be sourced both online in addition to many insurance agents, and you need to comparison shop both to have the best chance of lowering rates. Some insurance companies do not provide you the ability to get quotes online and these small insurance companies work with independent agents.

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