Texas shoppers have lots of choices when shopping for the lowest priced Dodge Durango insurance. You can either waste hours contacting agents getting price quotes or save time using the internet to find the lowest rates.
There is a better way to compare auto insurance rates and we’ll show you the quickest way to compare rates for your Dodge and locate the cheapest rates from Texas insurance agents and online providers.
Consumers need to take a look at other company’s rates occasionally because rates trend upward over time. Just because you found the lowest rates for Durango insurance a year ago a different company probably has better rates today. So just block out anything you think you know about auto insurance because you’re going to learn the easiest way to remove unneeded coverages and save money.
The purpose of this article is to help educate you on how to effectively get price quotes. If you currently have car insurance, you should be able to cut costs considerably using this strategy. Texas vehicle owners only need an understanding of the proper way to find the lowest price online.
Auto Insurance Comparison Rates in Texas
There are a variety of methods to shop for auto insurance, but one way is less labor-intensive and much quicker. You could waste time talking to insurance agencies in your area, or you could save time and use online quoting to get the quickest rates.
All the larger companies are enrolled in a marketplace where prospective buyers enter their policy data once, and each participating company provides a quote for coverage. This eliminates the need for quote requests for each company you want a rate for. To enter your information into the quoting system, click here (opens in new window).
The one downside to using this type of system is you cannot specify the companies you will receive quotes from. So if you prefer to choose specific providers to compare prices, we put together a list of low cost auto insurance companies in Texas. Click here to view list.
It’s up to you how you get prices quotes, just compare exactly the same coverage limits with each company. If you are comparing different limits and deductibles on each one it’s impossible to determine the lowest rate for your Dodge Durango.
Take advantage of discounts
Insurance can be prohibitively expensive, but companies offer discounts that you may not even be aware of. Certain discounts will be triggered automatically when you get a quote, but lesser-known reductions have to be requested specifically before being credited. If you aren’t receiving every discount you deserve, you’re paying more than you need to.
- Homeowners Savings – Owning a home can save you money because owning a home demonstrates responsibility.
- Pay Now and Pay Less – If paying your policy premium upfront instead of monthly or quarterly installments you can actually save on your bill.
- Paperwork-free – Some insurance companies give back up to $50 for buying your policy online.
- More Vehicles More Savings – Having multiple cars or trucks on one policy qualifies for this discount.
- Theft Prevention System – Cars that have factory anti-theft systems are stolen less frequently and therefore earn up to a 10% discount.
It’s important to understand that some of the credits will not apply to all coverage premiums. Most only cut individual premiums such as comprehensive or collision. Just because it seems like adding up those discounts means a free policy, you won’t be that lucky. But any discount will help reduce the amount you have to pay.
For a list of insurers who offer auto insurance discounts in Texas, click here to view.
Do I need a local agent?
Some consumers would rather buy from a local agent and that is just fine! Insurance agents can point out coverage gaps and help submit paperwork. The biggest benefit of price shopping on the web is the fact that you can find better rates but still work with a licensed agent. And providing support for local insurance agencies is important particularly in smaller communities.
After completing this short form, your insurance data is submitted to participating agents who will battle to get your business. There is no need to leave your computer since price quotes are sent immediately to your email address. How’s that for easy!
To select a specific agent in Texas, view this site.
Deciding on an insurer requires more thought than just the premium amount. Ask your prospective agent these questions:
- Will your rates increase after a single accident?
- Do they make recommendations based only on price?
- Are they able to influence company decisions when a claim is filed?
- Are claims handled at the agent’s location?
- How many years of experience in personal lines insurance coverages do they have?
- Do they regularly work with personal auto policies?
- Can glass repairs be made at your home?
Upon getting reasonable responses to these questions and locked in a price quote, it’s possible that you found an insurer that is a good match to provide auto insurance coverage.
How to know if you need help
When choosing the best auto insurance coverage, there isn’t really a “perfect” insurance plan. Your needs are not the same as everyone else’s.
Here are some questions about coverages that may help highlight if your situation might need professional guidance.
- Can my teen driver be rated on a liability-only vehicle?
- Does coverage extend to a rental car in a foreign country?
- Does my medical payments coverage pay my health insurance deductible?
- Do I need higher deductibles?
- How much liability coverage do I need in Texas?
- Do I qualify for additional discounts?
If you don’t know the answers to these questions but you know they apply to you, then you may want to think about talking to a licensed insurance agent. To find lower rates from a local agent, complete this form. It is quick, free and can help protect your family.
Why your Dodge Durango insurance rates may be high
Smart consumers have a good feel for the factors that play a part in calculating your auto insurance rates. Knowing what influences your rates empowers consumers to make smart changes that may reward you with better auto insurance rates.
Shown below are some of the factors used by your company to calculate rates.
- Teen drivers pay high rates – Mature drivers tend to be more responsible, statistically cause fewer accidents and are safer drivers. Teenage drivers tend to be careless and easily distracted in a vehicle therefore auto insurance rates are much higher.
- A lapse in coverage is a bad thing – Allowing your coverage to lapse is a sure-fire way to trigger a rate increase. And not only will your rates increase, but being ticketed for driving with no insurance might get you a hefty fine and possibly a revoked license.
- One company can mean more discounts – The majority of insurance companies give discounts to policyholders who have multiple policies with them. It’s known as a multi-policy discount. Discounts can amount to 10 percent or more. Even if you’re getting this discount it’s still a good idea to comparison shop to confirm you are receiving the best rates possible.
- Equipment add-ons that lower auto insurance rates – Choosing a vehicle with a theft deterrent system can save you a little every year. Theft prevention features like vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems can thwart car theft.
- Do you know your deductibles? – Physical damage insurance, otherwise known as comp (or other than collision) and collision, is used to repair damage to your Dodge. Some instances where coverage would apply are a windshield shattered by a rock, collision with an animal, and burglary. Deductibles for physical damage are how much you are required to spend before a claim is paid by your company. The more expense you are required to pay out-of-pocket, the less your auto insurance will be for Durango insurance.
Can switching companies really save?
Consumers in Texas can’t get away from ads that promise big savings from companies such as 21st Century, Allstate and State Farm. All the ads have a common claim of big savings after switching your policy.
How do they all claim to save you money?
All companies are able to cherry pick for the type of driver that earns them a profit. A good example of a preferred risk could possibly be over the age of 40, has no tickets, and drives less than 10,000 miles a year. A customer who fits that profile will get the preferred rates and as a result will probably cut their rates substantially.
Drivers who don’t qualify for these standards will have to pay higher premiums and this can result in business going elsewhere. The ads state “drivers who switch” not “everybody who quotes” save that much money. That’s the way insurance companies can state the savings.
Because of the profiling, it’s extremely important to get quotes from several different companies. Because you never know which auto insurance company will provide you with the cheapest rates.
What is YOUR best insurance company?
Cheap Dodge Durango insurance is possible on the web in addition to many Texas insurance agents, and you need to comparison shop both to have the best chance of lowering rates. A few companies do not provide you the ability to get quotes online and usually these regional insurance providers provide coverage only through local independent agents.
When you buy insurance online, make sure you don’t skimp on critical coverages to save a buck or two. There have been many cases where an insured cut uninsured motorist or liability limits and found out when filing a claim that their decision to reduce coverage ended up costing them more. Your focus should be to purchase plenty of coverage at the best price.
We just presented many ideas to save on Dodge Durango insurance. It’s most important to understand that the more you quote, the better likelihood of reducing your rate. Drivers may discover the lowest premiums are with a company that doesn’t do a lot of advertising.
For more reading
Additional information can be found on the Texas Department of Insurance website through this link. Visitors are able to get help finding coverage, download brochures, and find out which companies have the most complaints.
Other informative sites include BankRate.com’s Car Insurance: When not to Skimp and GEICO’s Understanding your Auto Insurance.