Save on 2012 Dodge Durango Insurance Quotes

Looking for better insurance coverage rates for your Dodge Durango? Paying for high-priced Dodge Durango insurance can empty your personal savings and make it hard to pay other bills. Shopping your coverage around is free, only takes a few minutes, and is a good way to make sure you’re not throwing money away. Online insurance companies like State Farm, Progressive and GEICO constantly bombard you with catchy ads and it is challenging if not impossible to ignore the flashy ads and do the work needed to find the best deal.

It’s important to price shop coverage occasionally because rates are rarely the same from one policy term to another. Just because you found the best price for Durango coverage two years ago you may be paying too much now. Block out anything you think you know about insurance coverage because you’re about to learn how to quote online to find the best coverage while lowering your premiums.

The quickest way to compare insurance rates in your area utilizes the fact most larger insurance companies actually pay money for the chance to quote your coverage. The only thing you need to do is take a few minutes to give details including how old drivers are, if your license is active, marital status, and your credit rating estimate. Your details is then sent to multiple car insurance providers and you receive quotes almost instantly.

Don’t listen to company ads

Consumers get pounded daily by advertisements for the lowest price auto insurance by State Farm, Allstate and GEICO. They all make an identical promise that you can save after switching to their company.

How can each company make the same claim? It’s all in the numbers.

All the different companies can use profiling for the type of driver that earns them a profit. An example of a desirable insured could possibly be between 30 and 50, has no driving citations, and has a short commute. A customer getting a price quote who meets those qualifications gets the lowest rates and is almost guaranteed to save quite a bit of money when switching.

Consumers who don’t qualify for this ideal profile will have to pay a more expensive rate which leads to business going elsewhere. Company advertisements say “customers who switch” but not “drivers who get quotes” save that much money. That is how insurance companies can make the claims of big savings.

Because of the profiling, it is so important to compare many company’s rates. It’s just too difficult to predict which car insurance company will have the lowest Dodge Durango insurance rates.

Dodge Durango insurance premiums are calculated by many factors

Smart consumers have a good feel for the rating factors that help determine your car insurance rates. When you know what positively or negatively influences your rates empowers consumers to make smart changes that may reward you with big savings.

The following are a partial list of the pieces used by your company to calculate rates.

  • Cautious drivers pay less – Good drivers have lower premiums than people who have multiple driving citations. Just one moving violation can increase rates by as much as thirty percent. If you have severe violations like DWI, reckless driving or hit and run convictions may find they need to file a proof of financial responsibility form (SR-22) to the state department of motor vehicles in order to drive a vehicle legally.
  • More claims means more premium – Car insurance companies give discounts to insureds who do not rely on their insurance for small claims. If you frequently file small claims, you can look forward to either policy cancellation or increased premiums. Insurance coverage is designed for the bigger claims that can’t be paid out-of-pocket.
  • Do you know you’re credit rating? – Having a bad credit score is a big factor in your rate calculation. Therefore, if your credit is lower than you’d like, you could pay less to insure your 2012 Dodge Durango by improving your credit score. Drivers who have good credit tend to be better drivers and file fewer claims than those with poor credit.
  • Where you live can impact rates – Living in small towns and rural areas has it’s advantages when buying car insurance. Drivers in populated areas have congested traffic and longer commutes to work. Fewer people means reduced accidents as well as less vandalism and auto theft.
  • High deductibles save money – Deductibles for physical damage define the amount you are willing to pay before your car insurance pays a claim. Coverage for physical damage, termed comprehensive and collision coverage on your policy, is used to repair damage to your car. Some examples of claims that would be covered could be running into the backend of another car, collision with an animal, and burglary. The higher the amount the insured has to pay upfront, the less your company will charge you for insurance for Durango coverage.

Don’t miss these discounts

Insurance can cost an arm and a leg, but there are discounts available that can drop the cost substantially. Certain discounts will be applied at the time of quoting, but lesser-known reductions have to be requested specifically before you get the savings. If they aren’t giving you every credit you qualify for, you’re paying more than you need to.

  • Early Switch Discount – A few companies offer discounts for switching to them before your current expiration date. It’s a savings of about 10%.
  • Pay Upfront and Save – If paying your policy premium upfront instead of monthly or quarterly installments you could save 5% or more.
  • Accident Forgiveness – A few companies will forgive one accident before hitting you with a surcharge so long as you haven’t had any claims for a certain period of time.
  • Multiple Policy Discount – When you have multiple policies with one insurance company you may save at least 10% off all policies.
  • Anti-lock Brake System – Vehicles equipped with ABS or steering control can reduce accidents and qualify for as much as a 10% discount.
  • Drivers Education – Cut your cost by having your teen driver successfully complete driver’s ed class in high school.
  • Anti-theft System – Cars that have factory anti-theft systems help deter theft and will save you 10% or more.
  • Good Student – Performing well in school can save 20 to 25%. Earning this discount can benefit you well after school through age 25.
  • Use Seat Belts – Using a seat belt and requiring all passengers to use their safety belts could cut 10% or more off your PIP or medical payments premium.
  • New Vehicle Savings – Buying coverage on a new vehicle can save up to 30% due to better safety requirements for new cars.

It’s important to note that some credits don’t apply to the entire cost. Most only reduce individual premiums such as medical payments or collision. So when the math indicates adding up those discounts means a free policy, insurance coverage companies aren’t that generous. But any discount will reduce the amount you have to pay.

To see a list of insurance companies who offer insurance coverage discounts, click this link.

When might I need help?

When buying adequate coverage, there really is no cookie cutter policy. Coverage needs to be tailored to your specific needs and your policy should reflect that. For instance, these questions could help you determine if your situation would benefit from an agent’s advice.

  • If my 2012 Dodge Durango is totaled, can I afford another vehicle?
  • What can I do if my company won’t pay a claim?
  • What are the financial responsibility laws in my state?
  • Should I get collision insurance on every vehicle?
  • How high should my medical payments coverage be?
  • Do I pay less if my vehicle is kept in my garage?

If you don’t know the answers to these questions, you may need to chat with a licensed agent. If you want to speak to an agent in your area, take a second and complete this form or you can also visit this page to select a carrier It only takes a few minutes and can help protect your family.

Auto insurance coverage basics

Knowing the specifics of your policy can help you determine appropriate coverage and the correct deductibles and limits. Auto insurance terms can be ambiguous and reading a policy is terribly boring. Listed below are typical coverages available from auto insurance companies.

Liability car insurance

Liability coverage can cover injuries or damage you cause to other people or property. This insurance protects YOU against other people’s claims, and doesn’t cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show policy limits of 50/100/50 which stand for $50,000 in coverage for each person’s injuries, a per accident bodily injury limit of $100,000, and a limit of $50,000 paid for damaged property. Another option is a combined limit which combines the three limits into one amount and claims can be made without the split limit restrictions.

Liability coverage pays for claims such as structural damage, emergency aid, medical services and court costs. How much coverage you buy is up to you, but you should buy as high a limit as you can afford.

Comprehensive (Other than Collision)

This will pay to fix damage that is not covered by collision coverage. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for claims such as damage from a tornado or hurricane, rock chips in glass, hitting a bird and vandalism. The highest amount you’ll receive from a claim is the market value of your vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.

Medical expense insurance

Personal Injury Protection (PIP) and medical payments coverage pay for short-term medical expenses like surgery, EMT expenses and ambulance fees. They can be used to fill the gap from your health insurance program or if there is no health insurance coverage. They cover not only the driver but also the vehicle occupants and also covers being hit by a car walking across the street. Personal Injury Protection is not available in all states and may carry a deductible

Coverage for collisions

This coverage pays for damage to your Durango from colliding with another car or object. A deductible applies then your collision coverage will kick in.

Collision coverage protects against things like damaging your car on a curb, scraping a guard rail, sideswiping another vehicle and colliding with another moving vehicle. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Drivers also have the option to increase the deductible in order to get cheaper collision rates.

Protection from uninsured/underinsured drivers

Uninsured or Underinsured Motorist coverage protects you and your vehicle from other drivers when they either are underinsured or have no liability coverage at all. Covered losses include injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Due to the fact that many drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is very important. Usually your uninsured/underinsured motorist coverages are identical to your policy’s liability coverage.

Shop Smart and Save

When you buy insurance online, you should never buy lower coverage limits just to save a few bucks. There are many occasions where drivers have reduced liability limits or collision coverage only to discover later they didn’t have enough coverage. The ultimate goal is to buy a smart amount of coverage at the best price while still protecting your assets.

Throughout this article, we presented many tips how you can save on 2012 Dodge Durango insurance. The key concept to understand is the more rate comparisons you have, the more likely it is that you will get a better rate. You may even find the lowest rates come from the least-expected company. They may often insure only within specific states and give getter rates compared to the large companies like GEICO and State Farm.

More detailed car insurance information can be read by following these links: