How Much Does 2014 Dodge Durango Insurance Cost?

Want better insurance coverage rates for your Dodge Durango? Paying for high-priced Dodge Durango insurance can empty your checking account and force you to make sacrifices. Comparison shopping is a smart way to reduce premiums and put more money in your pocket.

Numerous auto insurance companies battle to insure your vehicles, so it can be very hard to choose a company to find the lowest price

Smart consumers take time to check insurance coverage prices once or twice a year since insurance rates are variable and change quite frequently. Even if you got the best price for Durango insurance two years ago you can probably find a better price now. There is a lot of bad advice regarding insurance coverage on the internet, so I’m going to show you some tested techniques to slash your insurance coverage rates.

How to Lower Your Auto Insurance Cost

All major auto insurance companies like State Farm, Allstate and GEICO allow you to get coverage prices online. Getting online rates is fairly simple as you simply type in the coverage amounts you desire as detailed in the form. Once you submit the form, the company’s rating system makes automated requests for your driving record and credit report and generates pricing information based on these and other factors. Online price quotes simplifies rate comparisons, but the time it takes to visit a lot of sites and complete many quote forms is not the best way to spend an afternoon. But it’s absolutely necessary to have as many quotes as possible in order to get better auto insurance pricing.

There is a better way!

A quicker way to lower your auto insurance bill uses one simple form to return rates from more than one company. It saves time, requires less work, and makes price shopping online a lot less work. After sending the form, your coverage is rated and you are able to buy any of the resulting price quotes. If the quotes result in lower rates, you simply finish the application and buy the policy. This process can be completed in a matter of minutes and can result in significant savings.

To quickly find out how much you’re overpaying now, click here to open in new window and fill out the form. If you currently have coverage, we recommend you input the insurance coverages as shown on your current policy. Doing this guarantees you will have a price comparison based on similar coverages.

Discounts are basically free money

Car insurance companies don’t always list all available discounts in a way that’s easy to find, so we took the time to find some of the best known and also the lesser-known ways to save on insurance coverage.

  • Early Signing – Select companies give a discount for switching policies before your current policy expires. This can save 10% or more.
  • Theft Prevention Discount – Anti-theft and alarm systems can help prevent theft and will save you 10% or more.
  • Multi-policy Discount – When you combine your home and auto insurance with the same company you may earn approximately 10% to 15%.
  • Seat Belts Save more than Lives – Requiring all passengers to use their safety belts could cut 10% or more off your PIP or medical payments premium.
  • Safety Course Discount – Taking a driver safety course could possibly earn you a 5% discount if your company offers it.

It’s important to understand that some of the credits will not apply to all coverage premiums. Most only apply to specific coverage prices like collision or personal injury protection. Just because you may think you could get a free insurance coverage policy, you’re out of luck.

For a list of companies who offer insurance coverage discounts, click here.

Why your Dodge Durango insurance rates may be high

It’s important that you understand some of the elements that come into play when calculating your insurance coverage rates. Understanding what influences your rates allows you to make educated decisions that may reward you with lower insurance coverage prices.

  • Multi-policy discounts can save money – Many insurance companies provide better rates to insureds who carry more than one policy, otherwise known as a multi-policy discount. Even with this discount, it’s in your best interest to comparison shop to verify if the discount is saving money.
  • Don’t buy coverages you don’t need – There are a lot of add-on coverages you can purchase on your insurance coverage policy. Coverages like vanishing deductibles, better glass coverage and membership fees may be costing you every month. They may seem like a good idea when talking to your agent, but your needs may have changed so get rid of them and save.
  • Theft deterrents lower rates – Purchasing a vehicle with an alarm system can save you a little every year. Anti-theft devices such as LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system all aid in stopping your car from being stolen.
  • Your credit rating is important – Having a bad credit score is a big factor in determining your rates. If your credit is lower than you’d like, you could pay less to insure your 2014 Dodge Durango by repairing your credit. Consumers who have good credit tend to be less risk to insure than drivers who have poor credit.

Which insurance is the “right” coverage?

When buying proper insurance coverage for your personal vehicles, there is no “best” method to buy coverage. Everyone’s situation is a little different so this has to be addressed. For example, these questions could help you determine whether your personal situation will benefit from professional help.

  • What vehicles should carry emergency assistance coverage?
  • Am I covered by my spouse’s policy after a separation?
  • Do I benefit by insuring my home with the same company?
  • Am I better off with higher deductibles on my 2014 Dodge Durango?
  • Do I need replacement cost coverage on my 2014 Dodge Durango?
  • Why am I be forced to buy a membership to get insurance from some companies?
  • Should I drop comprehensive coverage on older vehicles?
  • Should I buy full coverage?
  • Will filing a claim cost me more?

If it’s difficult to answer those questions but you know they apply to you, you might consider talking to an agent. If you don’t have a local agent, complete this form or click here for a list of insurance coverage companies in your area.

Do you really save 40% when you switch?

Auto insurance providers like State Farm, Allstate and GEICO regularly use ads on TV and radio. They all have a common claim that you’ll save big if you move your coverage to them. How does each company make almost identical claims?

All companies are able to cherry pick for the type of customer that makes them money. For example, a preferred risk might be profiled as over the age of 50, has no prior claims, and has great credit. A driver who fits that profile will get very good rates and as a result will probably save when switching.

Potential customers who fall outside the “perfect” profile will have to pay higher premiums which usually ends up with business going elsewhere. The ad wording is “people who switch” not “everybody who quotes” save money. This is how insurance companies can claim big savings. Because of the profiling, you should compare as many rates as you can. It’s just too difficult to predict which company will fit your personal profile best.

Specifics of your car insurance policy

Knowing the specifics of a car insurance policy can be of help when determining the right coverages and the correct deductibles and limits. The coverage terms in a policy can be ambiguous and coverage can change by endorsement. Below you’ll find typical coverages found on the average car insurance policy.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This coverage gives you protection when other motorists either are underinsured or have no liability coverage at all. This coverage pays for hospital bills for your injuries as well as your vehicle’s damage.

Since 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 is important protection for you and your family.

Auto liability insurance

Liability coverage can cover damages or injuries you inflict on a person or their property in an accident. This coverage protects you from claims by other people, and does not provide coverage for your injuries or vehicle damage.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see policy limits of 100/300/100 that translate to a $100,000 limit per person for injuries, a per accident bodily injury limit of $300,000, and a limit of $100,000 paid for damaged property.

Liability can pay for things such as structural damage, legal defense fees, repair costs for stationary objects and attorney fees. How much liability should you purchase? That is your choice, but buy higher limits if possible.

Medical payments and PIP coverage

Med pay and PIP coverage kick in for immediate expenses like rehabilitation expenses, prosthetic devices and funeral costs. They are often utilized in addition to your health insurance program or if you do not have health coverage. They cover all vehicle occupants and also covers if you are hit as a while walking down the street. PIP coverage is not universally available and gives slightly broader coverage than med pay

Comprehensive auto coverage

This coverage will pay to fix damage that is not covered by collision coverage. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive coverage protects against things like damage from flooding, theft, vandalism and a tree branch falling on your vehicle. The highest amount you’ll receive from a claim is the ACV or actual cash value, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Collision coverage protection

This pays to fix your vehicle from damage from colliding with a stationary object or other vehicle. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for things like crashing into a ditch, scraping a guard rail, damaging your car on a curb and crashing into a building. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from older vehicles. Another option is to bump up the deductible in order to get cheaper collision rates.

Quote often and quote early

We just covered quite a bit of information on how to reduce 2014 Dodge Durango insurance prices online. The most important thing to understand is the more you quote, the better likelihood of reducing your rate. Consumers could even find that the best price on car insurance is with a small local company. These companies can often provide lower rates in certain areas than their larger competitors like Allstate or State Farm.

As you shop your coverage around, make sure you don’t reduce needed coverages to save money. There have been many cases where someone dropped collision coverage only to find out they didn’t have enough coverage. The proper strategy is to buy the best coverage you can find for the lowest price, not the least amount of coverage.

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