A recent auto insurance study discovered that nearly 70% of drivers have remained with the same auto insurance company for at least the last four years, and virtually 40% of consumers have never quoted auto insurance rates at all. Drivers in California can cut their rates by nearly 35% a year just by getting comparison quotes, but they just don’t understand how easy it is to compare rates and save money.
The preferred way to get low-cost Dodge Durango insurance in Fresno is to compare quotes once a year from companies in California.
Step 1: Try to understand how insurance companies determine prices and the measures you can control to keep rates down. Many rating factors that drive up the price such as traffic tickets, fender benders, and bad credit can be eliminated by making small lifestyle or driving habit changes.
Step 2: Compare rates from independent agents, exclusive agents, and direct companies. Exclusive and direct companies can only give prices from one company like GEICO or State Farm, while agents who are independent can provide price quotes for many different companies.
Step 3: Compare the new rate quotes to your existing policy to determine if switching companies saves money. If you find a lower rate quote and change companies, verify that coverage does not lapse between policies.
Step 4: Provide proper notification to your current company of your intention to cancel your current auto insurance policy and submit payment and a signed application for the new policy. As soon as you can, put the new certificate verifying coverage in your vehicle.
The most important part of this process is to try to use the same coverage limits and deductibles on every quote and to quote with as many different insurance providers as possible. This provides an apples-to-apples comparison and maximum price selection.
When shopping for affordable Dodge Durango insurance quotes, there are a couple of ways to compare rate quotes from many available insurance companies in California. The recommended way to comparison shop is to get quotes online.
It’s so easy to compare price quotes online that it replaces the need to actually drive to insurance agents’ offices. Quoting and buying Dodge Durango insurance online has made agencies unnecessary unless you have a complicated situation and need the guidance that only an agent can give. Drivers can find lower rates online but purchase the actual policy in an agency. Keep in mind that making a lot of price comparisons increases your odds of finding the best offered rates.
The auto insurance companies shown below are ready to provide price comparisons in Fresno, CA. If you want to find cheap auto insurance in CA, we suggest you click on several of them in order to find the most affordable rates.
Do you qualify for discounts on Dodge Durango insurance in Fresno?
Companies offering auto insurance do not list all their discounts very clearly, so the following list contains both well-publicized as well as the least known discounts that you may qualify for. If you don’t get every credit you qualify for, you are throwing money away.
- Drive Safe and Save – Safe drivers may save up to 50% more as compared to drivers with claims.
- No Claims – Insureds who avoid accidents and claims have much lower rates as compared to policyholders that have many claims.
- Pay Early and Save – By making one initial payment rather than spreading payments over time you can avoid the installment charge.
- Bundle and Save – If you can bundle your homeowners and auto insurance and insure them with the same company you may earn 10% to 20% off each policy.
- Save with More Vehicles Insured – Purchasing coverage when you have multiple vehicles with the same auto insurance company can reduce the rates for all insured vehicles.
- Fresno Homeowners Pay Less – Being a homeowner can save a few bucks because maintaining a house is proof that your finances are in order.
As is typical with insurance, many deductions do not apply to the overall cost of the policy. Most cut the price of certain insurance coverages like physical damage coverage or medical payments. If you do the math and it seems like all the discounts add up to a free policy, nobody gets a free ride.
Some companies that have these discounts possibly include:
If you need lower rates, check with every company which discounts you may be entitled to. Some of the earlier mentioned discounts might not be available to policyholders in every state.
What Impacts Dodge Durango Insurance Rates?
It’s important that you understand the factors that come into play when calculating the level of your policy premiums. If you have a feel for what determines premiums, this allows you to make good choices that could help you find lower premium levels. Many things are part of the equation when you get your auto insurance bill. Some of the criteria are obvious such as your driving history, although others are less apparent like where you live or your commute time.
Listed below are some of the items used by companies to determine your premiums.
Your age impacts your costs – Older, more experienced drivers are proven to be safer behind the wheel, file fewer claims, and tend to be get fewer driving tickets. Teenage drivers are statistically proven to be inattentive when behind the wheel and because of this, their car insurance rates are much higher.
Performance makes a difference – The performance level of the car you are insuring makes a significant difference in your rates. The cheapest insurance rates are for the lowest performance passenger vehicles, but that’s not the only thing that factors into the final price.
Location can affect price – Having an address in less populated areas of the country has it’s advantages when trying to find low car insurance rates. Less people means less chance of accidents in addition to lower liability claims. Residents of big cities have more traffic problems and more severe claims. More time behind the wheel translates into higher accident risk.
Save money by eliminating extra policy coverages – There are a ton of extra bells and whistles that you can get tricked into buying if you aren’t careful. Add-on coverages like vanishing deductibles, better glass coverage, and Farm Bureau memberships could be just wasting money. They may sound like good ideas when you first buy your policy, but if you’ve never needed them in the past consider taking them off your policy.
Insurance loss data for Dodge Durango vehicles – Insurance companies take into consideration insurance loss statistics for every vehicle to help determine the rate you pay. Vehicles that the statistics show to have a trend towards higher claim severity or frequency will have a higher premium rate. The next table illustrates the historical loss data for Dodge Durango vehicles.
For each coverage category, the claim probability for all vehicles averaged together equals 100. Values under 100 suggest losses that are better than average, while values that are above 100 point to more losses or tendency to have higher losses.
| Specific Dodge Model | Collision | Property Damage | Comp | Personal Injury | Medical Payment | Bodily Injury |
|---|---|---|---|---|---|---|
| Dodge Durango 4dr 2WD | 88 | 110 | 91 | 104 | 90 | 100 |
| Dodge Durango 4dr 4WD | 90 | 115 | 97 | 92 | 93 | 102 |
Statistics Source: Insurance Institute for Highway Safety for 2013-2015 Model Years