Cheaper 2016 Dodge Durango Insurance Cost

Looking for cheaper insurance rates for your Dodge Durango? Finding cheaper insurance for your Dodge Durango can turn out to be an all-consuming task, but you can learn our insurance buying tips to find lower rates.

There are both good and bad ways to shop for insurance and we’ll show you the best way to quote coverages for your Dodge and find the best price possible either online or from local insurance agents.

It’s a good idea to compare prices quite often because rates tend to go up over time. Even if you think you had the best premium rates on Durango coverage on your last policy you will most likely find a better price today. You’ll find quite a bit of inaccurate information about insurance online but in a few minutes you can learn a bunch of ideas how to stop overpaying for insurance.

Buying more affordable insurance coverage coverage is not that difficult. If you have insurance now or are looking for a new policy, you can follow these tips to find the best rates and still get good coverage. Drivers only need to know how to shop their coverage around over the internet.

Auto insurance rates and discounts

Properly insuring your vehicles can get expensive, but companies offer discounts to help offset the cost. Many discounts should be triggered at the time you complete a quote, but occassionally some discounts must be specially asked for prior to receiving the credit.

  • Multi-car Discount – Drivers who insure multiple cars on one policy may reduce the rate for each vehicle.
  • New Car Discount – Buying insurance on a new vehicle can get you a discount because newer models keep occupants safer.
  • Distant College Student Discount – Children who attend college more than 100 miles from home and leave their car at home could get you a discount.
  • Home Ownership Discount – Owning a house can earn you a little savings because owning a home means you have a higher level of financial diligence.
  • Early Renewal Discounts – Some insurance companies reward drivers for renewing your policy prior to your current policy expiring. You could save around 10% when you buy auto insurance online.
  • Defensive Driver – Taking part in a course teaching defensive driving skills could save 5% or more if your company offers it.
  • Accident Forgiveness Coverage – This isn’t a discount exactly, but certain companies allow you one accident before raising your premiums so long as you haven’t had any claims for a specific time period.
  • Discounts for Federal Employees – Active or retired federal employment could qualify for a slight premium decrease on Durango coverage depending on your auto insurance provider.
  • Discount for Life Insurance – Select insurance companies reward you with better auto insurancerates if you take out life insurance from them.
  • Accident Free – Drivers who don’t have accidents get the best auto insurance rates as opposed to insureds who have frequent claims or accidents.

It’s important to note that some credits don’t apply to all coverage premiums. Most only cut the cost of specific coverages such as liability and collision coverage. Just because you may think it’s possible to get free car insurance, it doesn’t quite work that way.

Companies and their offered discounts are detailed below.

  • State Farm offers discounts including safe vehicle, good student, student away at school, defensive driving training, accident-free, driver’s education, and good driver.
  • Farmers Insurance discounts include business and professional, teen driver, mature driver, early shopping, good student, youthful driver, and pay in full.
  • Geico may have discounts that include seat belt use, five-year accident-free, driver training, federal employee, and good student.
  • American Family offers discounts for bundled insurance, early bird, defensive driver, multi-vehicle, TimeAway discount, and good driver.
  • Nationwide offers premium reductions for family plan, anti-theft, defensive driving, multi-policy, Farm Bureau membership, and easy pay.
  • Progressive has discounts for multi-vehicle, continuous coverage, good student, homeowner, and online quote discount.

Before purchasing a policy, check with each company how you can save money. Discounts might not be offered in your state. To see providers offering auto insurance discounts, click this link.

Informed drivers save more

One of the most helpful ways to save on car insurance is to to have a grasp of some of the things that help determine your car insurance rates. When you understand what determines premiums, this empowers consumers to make smart changes that may reward you with lower car insurance prices.

  • Cheaper car insurance rates for prior coverage – Having an insurance coverage lapse is a quick way to trigger a rate increase. Not only will rates go up, not being able to provide proof of insurance could earn you a revoked license or a big fine.
  • Pay more if you have a long commute – Residing in small towns and rural areas may provide you with better prices when trying to find low car insurance rates. People who live in big cities tend to have more aggressive driving styles and more time behind the wheel. Lower population translates into fewer accidents in addition to lower liability claims
  • Annual mileage and car insurance prices – The higher the mileage driven in a year’s time the more it will cost to insure it. Most companies apply a rate based upon how the vehicle is primarily used. Cars left parked in the garage qualify for better rates than cars that get driven a lot. Incorrect rating for your Durango may be wasting your money. It’s always a good idea to double check that your policy correctly shows the correct usage for each vehicle.
  • Bundle home and auto and save – Most car insurance companies provide better rates to clients that buy multiple policies such as combining an auto and homeowners policy. Discounts can be 10 percent or more. Even if you’re getting this discount you still need to compare other company rates to ensure the best deal.There is a chance you can save more without the discount by splitting coverages up.
  • Extra policy coverages that may not be needed – Policies have add-on coverages that sound like a good idea at the time on your Durango policy. Coverages for rental car reimbursement, towing, and membership fees may be costing you every month. These may sound like a good investment initially, but your needs may have changed so consider taking them off your policy.
  • High credit rating translates to low premiums – An insured’s credit history can be a huge factor in determining premium rates. If your credit can use some improvement, you could pay less to insure your 2016 Dodge Durango if you clean up your credit. Consumers who have very high credit ratings tend to be more responsible as compared to drivers with poor credit scores.

Situations that may require an agent’s advice

When buying the best auto insurance coverage for your vehicles, there really is no “best” method to buy coverage. Everyone’s situation is unique.

These are some specific questions might point out if your insurance needs may require specific advice.

  • If my 2016 Dodge Durango is totaled, can I afford another vehicle?
  • Do I have coverage if my license is suspended?
  • Is a blown tire covered by insurance?
  • How many claims can I have before being cancelled?
  • When should I buy a commercial auto policy?
  • Exactly who is provided coverage by my policy?
  • What discounts do I qualify for?
  • How do I insure my teen driver?
  • Can I afford to pay high deductible claims out of pocket?
  • Do I need more liability coverage?

If it’s difficult to answer those questions but a few of them apply, you might consider talking to an insurance agent. To find an agent in your area, take a second and complete this form. It’s fast, doesn’t cost anything and may give you better protection.

Coverages available on your policy

Learning about specific coverages of your insurance policy helps when choosing the right coverages at the best deductibles and correct limits. Insurance terms can be impossible to understand and coverage can change by endorsement.

Medical expense coverage

Coverage for medical payments and/or PIP pay for expenses like rehabilitation expenses, dental work, chiropractic care, nursing services and funeral costs. They are used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. They cover both the driver and occupants in addition to getting struck while a pedestrian. PIP coverage is not available in all states and gives slightly broader coverage than med pay

Uninsured or underinsured coverage

Your UM/UIM coverage protects you and your vehicle’s occupants when the “other guys” are uninsured or don’t have enough coverage. Covered losses include hospital bills for your injuries as well as your vehicle’s damage.

Since many drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is important protection for you and your family. Frequently these coverages are identical to your policy’s liability coverage.

Coverage for liability

Liability coverage protects you from injuries or damage you cause to a person or their property by causing an accident. It protects YOU against other people’s claims. It does not cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show liability limits of 25/50/25 that means you have $25,000 bodily injury coverage, a limit of $50,000 in injury protection per accident, and a limit of $25,000 paid for damaged property. Alternatively, you may have a combined single limit or CSL which provides one coverage limit rather than limiting it on a per person basis.

Liability can pay for things such as bail bonds, funeral expenses, repair costs for stationary objects, repair bills for other people’s vehicles and structural damage. The amount of liability coverage you purchase is a decision to put some thought into, but buy as high a limit as you can afford.

Comprehensive protection

Comprehensive insurance coverage covers damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers things like theft, a tree branch falling on your vehicle, falling objects, damage from a tornado or hurricane and hail damage. The maximum payout you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.

Collision insurance

This covers damage to your Durango from colliding with another car or object. You will need to pay your deductible then your collision coverage will kick in.

Collision coverage pays for things like sustaining damage from a pot hole, colliding with a tree and damaging your car on a curb. Paying for collision coverage can be pricey, so you might think about dropping it from vehicles that are 8 years or older. It’s also possible to choose a higher deductible in order to get cheaper collision rates.

Make a quick buck

As you restructure your insurance plan, don’t be tempted to buy less coverage just to save a little money. There are many occasions where drivers have reduced liability coverage limits only to regret at claim time that it was a big error on their part. Your objective should be to buy the best coverage you can find at a price you can afford, but don’t skip important coverages to save money.

In this article, we presented many tips how you can save on 2016 Dodge Durango insurance. The key thing to remember is the more providers you compare, the better likelihood of getting affordable auto insurance. You may even discover the best prices are with a small mutual company.

Cheap 2016 Dodge Durango insurance is possible both online in addition to many insurance agents, so you need to shop auto insurance with both to have the best selection. Some companies do not offer the ability to get a quote online and most of the time these small insurance companies provide coverage only through independent agencies.

Helpful learning opportunities