Quick Tutorial for Purchasing Auto Insurance for a Dodge Durango

Feel like you’re a prisoner to an underperforming, overpriced auto insurance policy? Trust us, you’re not the only one. Drivers have so many car insurance companies to purchase coverage from, and even though it’s nice to have a choice, it can be more difficult to find the lowest cost provider.

Low Cost Auto Insurance

Finding a lower price on insurance is not a difficult process. You just have to take a couple of minutes to compare quotes online from several insurance companies. It is quite easy and can be accomplished in several different ways.

  1. Probably the best way to find the lowest comparison rates is an all-inclusive rate comparison (click to open form in new window). This form prevents you from having to do multiple quote forms for each company. Taking the time to complete one form will return price quotes instantly.
  2. A different way to obtain and compare quotes online consists of visiting the website of each company and fill out their own quote form. For instance, let’s say you want rates from GEICO, State Farm and GMAC. You would have to take the time to go to each site to enter your coverage information, which is why the first method is more popular. For a handy list of car insurance company links in your area, click here.
  3. The least recommended method of comparing rate quotes is to spend your day driving to and from local insurance agencies. Buying insurance online can eliminate the need for a local agent unless you prefer the trained guidance that only a license agent can provide. It is possible to find lower rates online but still have the advice of a local agent and we’ll touch on that later.

Whichever method you choose, make absolute certain that you use identical quote information for every company. If the quotes have higher or lower deductibles it’s impossible to make a fair comparison for your Dodge Durango.

It’s not one size fits all

When it comes to buying coverage, there really is no perfect coverage plan. Every insured’s situation is different so your insurance should reflect that For instance, these questions might point out whether you could use an agent’s help.

  • How high should my medical payments coverage be?
  • Can I pay claims out-of-pocket if I buy high deductibles?
  • Is my teen driver covered when they drive my company car?
  • Does my insurance cover my expensive audio equipment?
  • Am I covered when delivering products for my home-based business?
  • What can I do if my company won’t pay a claim?

If it’s difficult to answer those questions, you might consider talking to an agent. To find an agent in your area, take a second and complete this form or click here for a list of auto insurance companies in your area. It’s fast, free and may give you better protection.

Comparing rates from local agents

Certain consumers prefer to sit down with an agent and that is a personal choice. Agents are trained to spot inefficiencies and help file insurance claims. The best thing about comparing insurance prices online is you can get the best rates and still have an agent to talk to. And supporting small agencies is important especially in smaller communities.

After filling out this simple form, your insurance data is immediately sent to local insurance agents who will compete to get your business. You never need to leave your computer since price quotes are sent to your email. It doesn’t get any easier!

To view a list of agents in your state to contact, visit this page.

best Dodge Durango insurance

Deciding on an insurance company should depend on more than just a low price. Any agent should be forthright in answering these questions:

  • Are claim adjusters local or do you have to take your car somewhere else?
  • Will you be dealing directly with the agent or with a Custom Service Representative (CSR)?
  • Do they make recommendations based only on price?
  • Is working in the agency their full-time job?
  • Are glass claims handled on-site or do you have to take your vehicle to a repair shop?
  • How are they compensated?

Once you have received acceptable answers for all questions you ask and locked in a price quote, you have narrowed it down to an insurer that will properly service your auto insurance policy.