Houston consumers have a choice when looking for affordable Dodge Durango insurance. You can either spend your time contacting agents to compare prices or use the internet to get rate quotes.
There are more efficient ways to compare car insurance rates so you’re going to learn the quickest way to price shop coverage for a Dodge and find the lowest possible price from both online companies and Houston agents.
The best way we recommend to compare policy rates is to realize almost all companies participate in online systems to quote your coverage. To get started, all you need to do is take a few minutes to give details like distance driven, if you require a SR-22, whether the vehicles are used for commuting, and if the car is leased. Those rating factors is instantly sent to many different companies and you receive quotes instantly to find the best rate.
To check rates for your Dodge Durango now, click here and find out if you can get cheaper insurance.
Texas car insurance discounts
Some insurance providers don’t list the entire discount list in an easy-to-find place, so the following list contains both the well known and the more hidden credits available to bring down your rates. If you do not double check each discount possible, you are paying more than you should be.
- ABS Braking Discount – Cars, trucks, and SUVs with ABS and/or traction control can stop better under adverse conditions and the ABS can save up to 10%.
- Low Miles Discount – Driving less can earn lower car insurancerates on the low mileage vehicles.
- Discount for Life Insurance – Not all insurance carriers offer life insurance, but some may give you a lower car insurance rate if you buy some life insurance in addition to your auto policy.
- One Accident Forgiven – Not really a discount, but certain companies permit an accident before raising your premiums if your claims history is clear for a set time period.
- Claim-Free Discount – Insureds with no claims or accidents can save substantially when compared to insureds who have frequent claims or accidents.
- Passive Restraint Discount – Vehicles equipped with air bags may earn rate discounts of 25 to 30%.
- Cautious Driver Discount – Drivers who avoid accidents may save up to 50% more for Durango coverage as compared to drivers with claims.
- Good Student Discount – Getting good grades could provide a savings of up to 20% or more. Many companies even apply the discount to college students until age 25.
- Student Driver Training – Make teen driver coverage more affordable by requiring them to participate in a local driver’s education class if offered at their school.
- 55 and Retired – Drivers that qualify as senior citizens are able to get lower premium rates for Durango coverage.
As a disclaimer on discounts, many deductions do not apply to the entire policy premium. The majority will only reduce specific coverage prices like comprehensive or collision. Even though the math looks like all the discounts add up to a free policy, companies don’t profit that way.
A list of car insurance companies and their offered discounts include:
- State Farm offers discounts including accident-free, multiple policy, good student, student away at school, driver’s education, and safe vehicle.
- Esurance may include discounts for claim free, defensive driver, good student, renters, online quote, and Switch & Save.
- Progressive has discounts for continuous coverage, good student, homeowner, online signing, multi-vehicle, and online quote discount.
- Liberty Mutual may have discounts that include new move discount, exclusive group savings, new vehicle discount, hybrid vehicle, good student, newly married, and multi-policy.
- Auto-Owners Insurance may offer discounts for mature driver, company car, paid in full, anti-lock brakes, and group or association.
- GEICO includes discounts for multi-vehicle, multi-policy, military active duty, good student, anti-lock brakes, anti-theft, and defensive driver.
When quoting, ask all companies you are considering the best way to save money. Some of the discounts discussed earlier may not be offered in Houston. To choose providers offering car insurance discounts in Texas, follow this link.
Car insurance quotes from local Houston insurance agents
A small number of people just want to visit with an insurance agent and that is recommended in a lot of cases Insurance agents are highly skilled in risk management and give you someone to call. The best thing about comparing insurance prices online is that you can find cheap car insurance quotes and also buy local. And buying from local agents is especially important in Houston.
Once you complete this quick form, your insurance data is immediately sent to local insurance agents who will give you quotes for your business. You won’t need to search for an agent since rate quotes are delivered immediately to you. If you want to get a rate quote for a specific company, feel free to jump over to their website and fill out the quote form the provide.
Pick the best car insurance agent in Houston for you
If you want a local agent, it’s helpful to know the different types of agencies and how they differ in how they can insure your vehicles. Houston agents can be categorized as either captive or independent. Either one can do a good job, but it’s good to learn the subtle differences since it can affect the type of agent you choose.
Independent Car Insurance Agents (or Brokers)
These agents do not write with just one company and that gives them the ability to insure with an assortment of companies and possibly get better coverage at lower prices. If they find a lower price, the agent simply finds a different carrier and you don’t have to switch agencies.
If you are comparing car insurance prices, you will definitely want to get several quotes from several independent agencies to have the most options to choose from. Most independent agents also contract with smaller mutual companies that may provide cheaper car insurance rates.
Captive Car Insurance Agencies
Captive insurance agents can only provide one company’s prices and examples are Farmers Insurance, Allstate, or State Farm. Captive agents are unable to shop your coverage around so they are skilled at selling on more than just price. These agents are highly trained on sales techniques and that allows them to sell at a higher price point. Consumers frequently buy insurance from these agents primarily because of the brand legacy and strong financial ratings.
Selecting an car insurance agent should include more criteria than just a low price. Any agent should be forthright in answering these questions:
- Where are claims handled?
- If your car is totalled, how to they determine the replacement cost?
- Does the company allow you to choose your own collision repair facility?
- Do they feel the quoted coverages are adequate?
- If independent agents, which companies do they recommend?
- Can you get a list of referrals?
- Is the agency covered by Errors and Omissions coverage?
The Dodge Durango Insurance Price Equation
When buying car insurance it’s important to understand a few of the rating criteria that come into play when calculating the level of your policy premiums. If you have some idea of what controls the rates you pay, this enables informed choices that could help you find better car insurance rates.
- Cars with good safety ratings mean better rates – Vehicles with high crash test scores get lower rates. Vehicles built for safety reduce occupant injuries and reduced instances of injuries means your insurance company pays less and thus lower rates.
- How many coverages with the same company – Most larger car insurance companies apply a discount to insureds who have multiple policies with them, otherwise known as a multi-policy discount. This can amount to five, ten or even twenty percent. Even if you’re getting this discount you still need to get quotes from other companies to make sure you are getting the best deal.
- Low physical damage deductibles can be expensive – Physical damage insurance, aka comp and collision, protects your Dodge from damage. A few examples of covered claims could be a broken side mirror, hail damage, and rolling your vehicle. Deductibles for physical damage define how much the insured will be required to pay in the event of a claim. The higher the amount you have to pay, the bigger discount you will receive for Durango coverage.
- Occupation and insurance rates – Did you know your job can affect your rates? Occupations like military personnel, business owners and dentists generally have higher rates than average because of stressful work requirements and long work hours. Conversely, jobs such as scientists, historians and retirees generally pay rates lower than average for Durango coverage.
- Cautious drivers pay less – Having just one driving citation can increase the cost of insurance by twenty percent. Careful drivers get better rates than their less careful counterparts. Drivers who get careless violations like DUI or reckless driving are required to submit a SR-22 or proof of financial responsibility with their state’s department of motor vehicles in order to legally drive a vehicle.
- Prices are impacted by vehicle performance – The performance level of the car you need insurance for makes a significant difference in the rate you pay. Because the Dodge Durango is considered a standard SUV, insuring your vehicle will cost slighty more compared to average rates in Houston. The lowest performance passenger vehicles generally receive the lowest base rates, but other factors influence the final cost greatly.
- Inexpensive frequent car insurance claims are not good – If you file a lot of claims you can look forward to much higher rates or policy non-renewal. Insurance companies in Texas award the best rates to policyholders that do not abuse their auto insurance. Auto insurance is designed for the bigger claims that can’t be paid out-of-pocket.
Save $493 a year? Really?
Texas consumers get pounded daily by advertisements for car insurance savings from the likes of Allstate, GEICO and Progressive. All the companies advertise the message that you can save if you change your car insurance coverage to their company.
How do they all sell you cheaper insurance coverage? This is the trick they use.
Many companies have underwriting criteria for the right customer that will add to their bottom line. For example, a profitable insured might be described as over the age of 35, carries full coverage, and drives a vehicle with a low ISO rating. Anybody that fits those parameters will probably get cheap auto insurance rates and will save a lot if they switch.
Consumers who fall short of those standards must pay higher rates which leads to the customer buying from someone else. If you pay attention, the ads say “customers who switch” but not “all drivers who get quotes” save money. That’s why companies can truthfully make claims like that.
That is why you need to compare often. Because you cannot predict with any certainty which company will fit you best based on your risk profile.
More comparisons equals lower rates
As you restructure your insurance plan, you should never buy lower coverage limits just to save a few bucks. In too many instances, drivers have reduced physical damage coverage only to discover later that saving that couple of dollars actually costed them tens of thousands. Your aim should be to find the BEST coverage for the lowest cost, not the least amount of coverage.
People change insurance companies for any number of reasons including questionable increases in premium, policy non-renewal, lack of trust in their agent and even policy cancellation. It doesn’t matter what your reason, choosing a new company is easier than you think.
You just read some good ideas how to save on Dodge Durango insurance. It’s most important to understand that the more rate quotes you have, the better likelihood of getting . You may be surprised to find that the best auto insurance rates are with the smaller companies.
Additional car insurance links
Additional car insurance information can be read on the through this link. Texas drivers can discover disciplinary actions, learn about insurance regulations, find a variety of consumer forms, and read industry bulletins.
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