Lower Your 2014 Dodge Durango Insurance Cost in 2024

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: May 24, 2024

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Looking for the cheapest car insurance rates for your Dodge Durango? Finding the cheapest insurance for your Dodge Durango could be an all-consuming task, but you can learn our car insurance buying tips to make it easier.

There are both good and bad ways to compare car insurance rates and we’ll show you the best way to price shop coverage for your Dodge and find the cheapest rates either online or from local insurance agents.

It’s smart to get comparison quotes periodically because car insurance prices go up and down regularly. Just because you had the lowest rates on Durango coverage two years ago you will most likely find a better premium rate today. There is lot of inaccurate information about car insurance on the internet, but in just a couple of minutes you can learn some of the best ways to stop overpaying for insurance.

Free car insurance quotes

Most major insurance companies like State Farm, GEICO and Progressive provide price estimates directly from their websites. Doing online quotes can be done by anyone because you just enter the amount of coverage you want as detailed in the form. Behind the scenes, their quoting system will obtain your credit score and driving record and quotes a price based on the data you entered.

This helps simplify price comparisons, but the work required to visit many different websites and type in the same information is repetitive and time-consuming. But it’s necessary to get many rate quotes if you want to get the best price on car insurance.

There is an easier way!

An easier way to compare rates uses one form to get prices from a lot of companies. The form is fast, requires less work, and makes online shopping much easier. Immediately after you send the form, it is quoted and you are able to buy any of the quotes that you receive.

If a lower price is quoted, you simply finish the application and buy the new coverage. The whole process takes just a few minutes to complete and you will know how your current rates stack up.

If you want to use this form to compare rates, simply enter your zip code here and enter your information. To compare your current rates, we recommend you enter the insurance coverages exactly as shown on your declarations page. This way, you will get a rate comparison for exact coverage.

Don’t listen to company ads

Drivers constantly see and hear ads that claim the cheapest rates from the likes of State Farm, GEICO and Progressive. They all seem to make the point of big savings if you get a free car insurance quote and switch your policy.

It sounds good, but how can they all charge you less for auto insurance? It’s all in the numbers.

Insurance companies have a preferred profile for the right customer that will be a good risk. For example, a driver they prefer might be described as between the ages of 40 and 55, has a clean driving record, and has excellent credit. Any person who fits that profile will get the preferred rates and will save some money.

Drivers who fall short of this ideal profile must pay a higher rate and this results in business going elsewhere. If you pay close attention to the ads, they say “customers that switch” not “all people who quote” save that much money. That’s the way insurance companies can claim big savings.

Because each company has a different risk profile, you need to compare free car insurance quotes often. It is just not possible to predict which company will have the lowest rate quotes.

Informed drivers can reduce insurance rates

A large part of saving on car insurance is knowing some of the elements that help calculate your car insurance rates. When you understand what influences your rates, this allows you to make good choices that will entitle you to big savings. Multiple criteria are part of the calculation when quoting car insurance. Some are obvious such as traffic violations, but other factors are not as apparent like where you live or how safe your car is.

The following are some of the factors car insurance companies consider when setting prices.

  • Do you know you’re credit rating? – Having a bad credit history is a large factor in determining what you pay for car insurance. Consumers who have very high credit ratings tend to be more responsible and file fewer claims than drivers who have worse credit. So if your credit history can be improved, you could save money insuring your 2014 Dodge Durango by repairing your credit.
  • Too many insurance claims and you’ll pay more – If you’re an insured who likes to file claims you should expect either a policy non-renewal or much higher rates. Auto insurance companies award the best rates to drivers who file claims infrequently. Insurance coverage is intended for more catestrophic claims.
  • Theft deterrents save – Choosing a vehicle that has a built-in theft deterrent system can help lower your premiums. Systems that thwart theives such as LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system help track and prevent car theft and help bring rates down.
  • Adjust deductibles and save – Comp and collision deductibles tell how much you are required to spend if you file a covered claim. Coverage for physical damage, aka comp and collision, protects your car from damage. A few examples of covered claims are a windshield broken by a bird, fire damage, and damage from wind. The larger the amount you have to pay, the less money you will pay for car insurance on Durango coverage.

Discounts can really help lower rates

Some companies do not list every discount they offer very clearly, so the following list contains a few of the more well known in addition to some of the lesser obvious credits that may apply to you.

  • Service Members Pay Less – Having a deployed family member could be rewarded with lower insurance rates.
  • Fewer Miles Equal More Savings – Fewer annual miles on your Dodge can qualify you for lower premium rates due to less chance of an accident.
  • No Claim Discounts – Insureds who avoid accidents and claims get the best insurance rates in comparison with drivers who are more careless.
  • Telematics Data Discounts – People who choose to allow their insurance company to analyze driving habits through the use of a telematics system like In-Drive from State Farm and Progressive’s Snapshot could save a few bucks as long as they are good drivers.
  • Online Discount – Certain insurance companies will provide an incentive for buying your policy online.
  • Discounts for Cautious Drivers – Drivers who don’t get into accidents can pay as much as 50% less on Durango coverage as compared to drivers with claims.

One thing to note about discounts is that most of the big mark downs will not be given to the overall cost of the policy. Most only reduce specific coverage prices like liability and collision coverage. Despite the appearance that it’s possible to get free car insurance, it’s just not the way it works.

Popular insurance companies and some of the discounts are:

  • State Farm offers premium reductions for passive restraint, defensive driving training, Steer Clear safe driver discount, safe vehicle, and good driver.
  • Esurance has savings for defensive driver, emergency road assistance, anti-lock brakes, anti-theft, multi-car, paid-in-full, and online shopper.
  • Progressive policyholders can earn discounts including homeowner, online quote discount, multi-vehicle, multi-policy, online signing, and continuous coverage.
  • Liberty Mutual may include discounts for new vehicle discount, teen driver discount, multi-policy, new graduate, newly retired, safety features, and new move discount.
  • Auto-Owners Insurance offers discounts including teen driver, paid in full, company car, air bags, and anti-theft.
  • GEICO may have discounts that include membership and employees, anti-lock brakes, defensive driver, five-year accident-free, and military active duty.

Double check with every company which discounts you may be entitled to. Some discounts listed above might not be offered in your area. To find companies who offer insurance discounts, enter your zip code here.

Will just any policy work for me?

When it comes to choosing coverage for your vehicles, there isn’t really a best way to insure your cars. Coverage needs to be tailored to your specific needs.

These are some specific questions may help you determine whether your personal situation will benefit from professional help.

  • Should I buy additional glass protection?
  • Why am I be forced to buy a membership to get insurance from some companies?
  • Which companies will insure high-risk drivers?
  • Should I file a claim if it’s only slightly more than my deductible?
  • Does my 2014 Dodge Durango need full coverage?
  • How much can I save by bundling my policies?
  • What should my uninsured motorist coverage limits be in my state?
  • Is my Dodge Durango covered if I use it for business?
  • Does coverage extend to my business vehicle?
  • Do I need rental car coverage?

If you can’t answer these questions but a few of them apply, you may need to chat with an insurance agent. To find lower rates from a local agent, simply complete your zip code. It only takes a few minutes and may give you better protection.

Coverages available on your car insurance policy

Understanding the coverages of your car insurance policy can be of help when determining the right coverages at the best deductibles and correct limits. Car insurance terms can be impossible to understand and even agents have difficulty translating policy wording.

Collision – Collision insurance pays to fix your vehicle from damage from colliding with an object or car. You will need to pay your deductible and then insurance will cover the remainder.

Collision can pay for things like crashing into a ditch, backing into a parked car, colliding with a tree and hitting a parking meter. Collision is rather expensive coverage, so you might think about dropping it from older vehicles. Another option is to choose a higher deductible to bring the cost down.

Liability auto insurance – Liability insurance provides protection from injuries or damage you cause to people or other property that is your fault. It protects you from claims by other people, and does not provide coverage for damage to your own property or vehicle.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see limits of 50/100/50 which stand for a limit of $50,000 per injured person, a limit of $100,000 in injury protection per accident, and property damage coverage for $50,000. Occasionally you may see one number which is a combined single limit that pays claims from the same limit with no separate limits for injury or property damage.

Liability coverage pays for claims like attorney fees, funeral expenses, medical services and medical expenses. How much liability coverage do you need? That is up to you, but buy as large an amount as possible.

Medical expense coverage – Coverage for medical payments and/or PIP pay for immediate expenses like prosthetic devices, dental work and funeral costs. They are used to fill the gap from your health insurance program or if you lack health insurance entirely. It covers you and your occupants and also covers being hit by a car walking across the street. PIP coverage is not universally available but it provides additional coverages not offered by medical payments coverage

Comprehensive protection – Comprehensive insurance coverage covers damage that is not covered by collision coverage. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers claims like damage from a tornado or hurricane, fire damage, a tree branch falling on your vehicle, damage from flooding and hitting a bird. The most you can receive from a comprehensive claim is the actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.

Uninsured or underinsured coverage – Your UM/UIM coverage protects you and your vehicle when the “other guys” do not carry enough liability coverage. Covered claims include hospital bills for your injuries and damage to your Dodge Durango.

Due to the fact that many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea. Normally these limits are similar to your liability insurance amounts.

The bottom line

When getting car insurance quotes online, it’s a bad idea to buy poor coverage just to save money. In too many instances, an accident victim reduced liability limits or collision coverage only to regret at claim time that the few dollars in savings costed them thousands. The proper strategy is to get the best coverage possible at the best cost but still have enough coverage for asset protection.

In this article, we presented a lot of information how to shop for 2014 Dodge Durango insurance online. The most important thing to understand is the more times you quote, the higher the chance of saving money. You may be surprised to find that the best price on insurance coverage is with an unexpected company.

Discount 2014 Dodge Durango insurance is definitely available on the web and from local agencies, so you need to quote car insurance with both in order to have the best price selection to choose from. Some insurance companies may not provide online price quotes and most of the time these regional carriers prefer to sell through independent insurance agencies.

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