Three Steps to Cheaper Dodge Durango Insurance
If comparing car insurance was easy, most of us would do it more often. But we always seem to pay too much for coverage and most people would rather go to the dentist. You probably feel the same way when trying to find cheaper coverage for your Dodge Durango.
Step One: Compare Multiple Rates
In years past, the only way to purchase car insurance was to visit the office of a local agent. Thanks to the internet, insurance shopping is a whole lot easier!
Comparing insurance rates for a Dodge Durango only require you to enter your information once. You'll receive multiple quotes and can easily compare rates.
To begin, click on the link below and complete the short form. It only takes a few minutes and it's helpful to have your current policy handy if you have one.
Apples-to-Apples! When doing comparison quotes for your Durango, it's very important that you use the same liability limits and physical damage deductibles on each quote. Otherwise you will not be able to accurately determine which company has the lowest rates.
Step Two: Techniques to Lower your Durango Insurance Rates
After completing step one above, you can now learn some of the other ways to slash your Durango insurance costs.
- Vehicle thefts drive up the cost of everyone's insurance, but if your Durango is on the list of the most frequently stolen cars, you might be paying just a little extra.
- If you belong to a professional organization for your employment, you may qualify for a discount rate. And if you're a senior citizen, you may get a discount for your age as well.
- Since SUV's like the Durango generally have a larger power train, they cost a little more to insure.
- Smaller claims that hardly exceed your deductible are better off not being filed with your insurance company. Policyholders with no claims enjoy lower rates than those who frequently file claims.
- Renting a house or apartment rather than owning a home may keep you from paying the lowest rates on car insurance. Home ownership is viewed as being more financially responsible than renting.
- Equipping your Dodge with available safety features such as air bags and passive restraints allows you to take advantage of additional discounts.
- Gaps in insurance coverage will cause problems for your insurance rates. Don't let your policy expire without having new coverage in place.
- Speeding not only costs you a fine, a single ticket will raise your car insurance rates for up to three years. Slow down and be a safe driver and you'll pay lower rates.
- Ask your insurance company if there is a discount for completing a driver's safety course. It may get you up to a 10% discount at your next renewal.
- Teen drivers have a tendancy to learn the hard way when driving, and that means having a few fender-benders. Rating them on a high profile newer vehicle can be very expensive so you might consider buying an older model vehicle for them to drive and only insure it with liability coverage.
- How's your credit score? If it's good you will pay a lower rate than your poor credit counterparts. Work on improving weak credit and you will eventually see your car insurance bill go down.
- If you carry full coverage on your vehicle, you can slash your rates by increasing your comprehensive and collision deductibles. You'll pay more out-of-pocket but you will save with every renewal.
Step Three: Purchase a New Policy
Car insurance is pretty easy to buy online, but you do need to be aware that it is a legally binding contract. You need to have funds available for a down payment as well as review your coverages for any insufficiencies.
You can cancel a policy at any time, but just remember to make the effective date of the replacement policy the exact same as the date you cancel your old policy. You do not want any gaps in coverage between policies.
If you already have a car insurance policy, then your Dodge Durango will be covered as soon as your purchase it. If this is your first vehicle, you will want to make sure you have coverage in place as soon as your purchase it. If you have a current policy and you only carry liability coverage, then that's the only coverage that will automatically extend to your Durango. But if you currently carry full coverage, comprehensive and collision coverage will extend to your new vehicle.
All states require you to keep the proof-of-insurance or financial responsibility card in your vehicle at all times. Failure to produce this document can result in a citation. If your state requires you to file an SR-22 for being a high-risk driver, make sure your new company is aware of this requirement. Failure to comply can result in loss of your driver's license.
More Insurance Buying Tips
For more information on car insurance topics like the claims process, rental car insurance and how much coverage you need, visit the Insurance Information Institute website.