2014 Dodge Durango Car Insurance Cost – 8 Tricks for Cheaper Prices

Searching for lower auto insurance rates for your Dodge Durango? Feel like you’re a prisoner to high-priced auto insurance? Trust us when we tell you there are many people just like you.

Popular companies such as State Farm and GEICO constantly blast consumers with ad campaigns and consumers find it hard to see through the deception and find the best price available.

It’s a great practice to price shop coverage every six months due to the fact that insurance rates are adjusted regularly by insurance companies. Just because you had the lowest rates for Durango coverage six months ago there may be better deals available now. There is a lot of bad advice regarding auto insurance on the web, but I’m going to show you some excellent ideas to stop overpaying for insurance.

If you currently have a car insurance policy, you stand a good chance to be able to cut costs considerably using these methods. Finding the best rates is not that difficult. But car owners benefit from understanding the way companies price insurance differently and use this information to your advantage.

The best way we recommend to get rate comparisons is to take advantage of the fact most larger insurance companies participate in a system to give free rates quotes. All you need to do is provide a small amount of information such as marital status, if the vehicle is leased, an estimate of your credit level, and your job. Your rating data is sent automatically to many of the top insurers and they return cost estimate immediately.

To start a quote now, click here and enter the information requested.

Discounts mean cheaper Dodge Durango insurance rates

The price of auto insurance can be rather high, but discounts can save money and there are some available that many people don’t even know exist. Most are applied at the time of quoting, but a few need to be specifically requested before you will receive the discount.

  • Discount for Swiching Early – Some insurance companies reward drivers for buying a policy prior to your current policy expiration. The savings is around 10%.
  • Senior Citizens – Older drivers can possibly qualify for a small decrease in premiums for Durango coverage.
  • Homeowners Savings – Owning a house may trigger a auto insurance policy discount because owning a home demonstrates responsibility.
  • Government Employees – Being employed by or retired from a federal job can save as much as 8% for Durango coverage with select insurance companies.
  • Anti-lock Brakes – Vehicles equipped with ABS or steering control are safer to drive and will save you 10% or more.
  • Claim Free – Good drivers with no accidents can earn big discounts as compared to frequent claim filers.
  • Passive Restraints and Air Bags – Factory air bags and/or automatic seat belt systems may earn rate discounts of more than 20%.
  • Clubs and Organizations – Belonging to a professional or civic organization is a good way to get lower rates when shopping for auto insurance for Durango coverage.

It’s important to understand that most credits do not apply the the whole policy. Most only cut individual premiums such as liability and collision coverage. So when the math indicates all those discounts means the company will pay you, auto insurance companies aren’t that generous. Any amount of discount will help reduce the amount you have to pay.

To see a list of providers who offer auto insurance discounts, click this link.

Tailor your coverage to you

When it comes to buying the best car insurance coverage, there really is no cookie cutter policy. Everyone’s needs are different and your policy should reflect that. For instance, these questions can help discover whether your personal situation may require specific advice.

  • Are rock chip repairs covered?
  • What if I owe more than I can insure my car for?
  • Who is covered when they drive my 2014 Dodge Durango?
  • Can I rent a car in Mexico?
  • Am I covered when using my vehicle for business?
  • Does insurance cover damages from a DUI accident?
  • What can I do if my company denied a claim?

If it’s difficult to answer those questions, you might consider talking to a licensed insurance agent. To find lower rates from a local agent, complete this form or you can go here for a list of companies in your area.

Don’t be fooled by advertising claims

Insurance coverage providers like Allstate and Progressive regularly use ads on television and other media. They all make an identical promise that you’ll save big if you move to their company. How does each company say the same thing?

All companies have a preferred profile for the type of driver that makes them money. For instance, a desirable insured could possibly be between the ages of 40 and 55, owns a home, and drives less than 7,500 miles a year. A driver who matches those parameters is entitled to the best price and therefore will pay quite a bit less when switching companies.

Potential customers who are not a match for this ideal profile will have to pay higher prices which leads to business not being written. The ads state “customers that switch” but not “drivers who get quotes” save money. This is how insurance companies can confidently claim big savings.

Because of the profiling, you need to quote coverage with many companies. It’s just too difficult to predict which company will give you the biggest savings on Dodge Durango insurance.

Insurance coverage basics

Understanding the coverages of a insurance policy can be of help when determining appropriate coverage for your vehicles. Policy terminology can be ambiguous and reading a policy is terribly boring. Below you’ll find the normal coverages found on most insurance policies.


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

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see limits of 100/300/100 which means a limit of $100,000 per injured person, a per accident bodily injury limit of $300,000, and property damage coverage for $100,000. Another option is a combined limit which combines the three limits into one amount with no separate limits for injury or property damage.

Liability coverage protects against claims such as repair bills for other people’s vehicles, repair costs for stationary objects, emergency aid, legal defense fees and court costs. How much coverage you buy is up to you, but buy as large an amount as possible.

Comprehensive insurance

This covers damage OTHER than collision with another vehicle or object. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive coverage pays for claims like fire damage, a broken windshield and hitting a bird. The most your insurance company will pay is the actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.

Auto collision coverage

This will pay to fix damage to your Durango resulting from colliding with another vehicle or an object, but not an animal. You have to pay a deductible and then insurance will cover the remainder.

Collision coverage pays for things like hitting a mailbox, rolling your car, sustaining damage from a pot hole and scraping a guard rail. Collision is rather expensive coverage, so consider dropping it from older vehicles. Another option is to raise the deductible to bring the cost down.

Med pay and Personal Injury Protection (PIP)

Coverage for medical payments and/or PIP provide coverage for short-term medical expenses for things like hospital visits, dental work, ambulance fees and surgery. They are often utilized in addition to your health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover not only the driver but also the vehicle occupants and also covers getting struck while a pedestrian. PIP is not available in all states and gives slightly broader coverage than med pay

Uninsured/Underinsured Motorist (UM/UIM)

This protects you and your vehicle’s occupants when other motorists either have no liability insurance or not enough. This coverage pays for hospital bills for your injuries and also any damage incurred to your 2014 Dodge Durango.

Since a lot of drivers only carry the minimum required liability limits, their limits can quickly be used up. This is the reason having UM/UIM coverage should not be overlooked. Frequently the UM/UIM limits do not exceed the liability coverage limits.

Pennies from heaven

When trying to cut insurance costs, don’t be tempted to buy lower coverage limits just to save a few bucks. There are a lot of situations where an insured cut physical damage coverage only to regret that the small savings ended up costing them much more. The ultimate goal is to purchase plenty of coverage for the lowest price, not the least amount of coverage.

Cheaper 2014 Dodge Durango insurance is available online in addition to many insurance agents, and you should be comparing both to have the best chance of lowering rates. Some insurance providers do not provide the ability to get a quote online and many times these small insurance companies only sell through independent insurance agents.

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