Has it been a year or more since you last compared quotes for cheaper Dodge Durango insurance in Phoenix? Paying for overpriced Dodge Durango insurance in Phoenix can overdraw your accounts, especially in this economy. Comparing price quotes is an excellent way to cut your insurance bill.
Amazlingly, a recent NerdWallet.com study showed that a large majority of consumers have remained with the same insurance company for over three years, and practically 40% of insurance customers have never quoted insurance rates at all. With the average insurance premium being $1,847, American drivers could save themselves up to $859 a year by just comparing quotes, but they just don’t understand how easy it is to save money by comparing rate quotes.
Popular companies such as State Farm, Allstate, GEICO and Progressive all claim big savings with ad campaigns and consumers find it hard to ignore the flashy ads and find the best price available.
Lower-cost Phoenix auto insurance quotes with discounts
The cost of insuring your cars can be expensive, but you may qualify for discounts that you may not even be aware of. Most are applied at quote time, but lesser-known reductions have to be inquired about before you will receive the discount.
- Government Employees – Employees or retirees of the government may reduce rates when you quote Phoenix car insurance depending on your company.
- Senior Citizens – If you qualify as a senior citizen, you may be able to get a small decrease in premiums.
- Anti-lock Brakes – Cars, trucks, and SUVs with ABS and/or traction control have fewer accidents and will save you 10% or more on Durango insurance in Phoenix.
- Claim Free – Drivers who don’t have accidents are rewarded with significantly better rates on Phoenix car insurance quote as opposed to policyholders that have many claims.
- Fewer Miles Equal More Savings – Maintaining low annual mileage can qualify you for better auto insurance rates on cars that stay parked.
- E-sign Discounts – A handful of companies will give a small break for signing up digitally online.
It’s important to note that most discounts do not apply to the overall cost of the policy. Most only reduce the price of certain insurance coverages like collision or personal injury protection. Just because it seems like adding up those discounts means a free policy, companies wouldn’t make money that way.
Some companies who may offer these money-saving discounts are:
Before you buy a policy, ask each company which discounts you may be entitled to. A few discounts might not apply in Phoenix. If you would like to choose from a list of insurance companies who offer auto insurance discounts in Arizona, follow this link.
Buy Phoenix Dodge Durango insurance online
All the larger car insurance companies like State Farm, Allstate and GEICO allow you to get pricing online. This process is quite simple as you simply type in the coverages you want as detailed in the form. Upon sending the form, their rating system pulls your credit score and driving record and returns a price. Quoting online for Dodge Durango insurance in Phoenix makes it a lot easier to compare rates and it’s very important to perform this step if you are searching for cheap rates.
To save time and find out how much you’re overpaying now, compare rate quotes from the providers shown below. If you have a policy now, it’s recommended you type in coverages and limits just like they are on your policy. This ensures you will receive an apples-to-apples comparison using the same coverage and limits.
The following companies can provide price quotes in Arizona. If multiple providers are shown, it’s a good idea that you visit two to three different companies in order to get a fair rate comparison.
How to know if you need help
When selecting adequate coverage for your vehicles, there is no “best” method to buy coverage. Your needs are not the same as everyone else’s.
For instance, these questions can aid in determining whether you would benefit from professional advice.
- Does medical payments coverage apply to all occupants?
- Is coverage enough to protect my assets?
- Are my friends covered when driving my Dodge Durango?
- Is my trailer covered?
- Do I benefit by insuring my home with the same company?
- Should I buy full coverage?
- Is there a penalty for late payment?
If it’s difficult to answer those questions but one or more may apply to you then you might want to talk to a licensed insurance agent. If you want to speak to an agent in your area, complete this form.
Do I need a local insurance agent?
Some people prefer to visit with an insurance agent and that is OK! One of the best bonuses of comparing insurance prices online is the fact that drivers can get lower premium rates and still choose a local agent.
Upon completion of this quick form, the coverage information is sent to local insurance agents in Phoenix that can give you free Phoenix car insurance quotes and help you find cheaper coverage. It’s much easier because you don’t need to search for any insurance agencies due to the fact that quote results will go immediately to your email address. You can find lower rates and a licensed agent to work with. If you want to quote rates for a specific company, feel free to search and find their rate quote page and fill out the quote form the provide.
Selecting a company should include more criteria than just the quoted price. Here are some questions you might want to ask.
- How long has the business existed?
- Do they specialize in personal lines coverage in Phoenix?
- How often do they review policy coverages?
- Does the company use OEM repair parts?
- Are claims handled at the agent’s location?
- Do the coverages you’re quoting properly cover your vehicle?
- How many years of experience in personal auto insurance do they have?
If you would like to find a local agent, it can be helpful to understand the types of agencies and how they differ in how they can insure your vehicles. Insurance agencies can be categorized as either exclusive or independent (non-exclusive).
Exclusive Insurance Agencies
These agents can only place business with one company such as Farmers Insurance, Allstate, or State Farm. These agents are not able to compare rates from other companies so you need to shop around if the rates are high. Exclusive insurance agents are usually quite knowledgeable on sales techniques which helps them compete with independent agents.
Shown below is a list of exclusive agents in Phoenix who may provide you with price quote information.
Eric Hamilton – State Farm Insurance Agent
10265 W Camelback Rd #120 – Phoenix, AZ 85037 – (623) 848-3048 – View Map
Independent Agents (or Brokers)
Agents in the independent channel are not restricted to one company so they can write business with many different companies depending on which coverage is best. If they quote lower rates, the agent simply finds a different carrier and you won’t have to switch agencies.
If you need lower rates, we recommend you compare prices from at a minimum one independent agency so that you can do a thorough price comparison.
Shown below are Phoenix independent insurance agents that are able to give price quote information.
Independent Insurance Agents
333 E Flower St – Phoenix, AZ 85012 – (602) 956-1851 – View Map
Three good reasons to insure your Dodge vehicle
Despite the high cost, insuring your vehicle serves several important purposes.
First, just about all states have minimum mandated liability insurance limits which means you are required to buy a minimum amount of liability protection in order to drive the car. In Arizona these limits are 15/30/10 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.
Second, if you have a lien on your vehicle, it’s most likely the lender will have a requirement that you carry insurance to ensure the loan is repaid in case of a total loss. If you let the policy lapse, the lender may have to buy a policy to insure your Dodge for a much higher rate and require you to pay for the expensive policy.
Third, insurance protects both your car and your assets. It will also pay for medical expenses for yourself as well as anyone injured by you. Liability insurance also pays expenses related to your legal defense if you are named as a defendant in an auto accident. If your Dodge gets damaged, comprehensive and collision coverage will pay to restore your vehicle to like-new condition.
The benefits of having insurance outweigh the cost, particularly if you ever have a claim. But the average driver in Arizona is currently overpaying as much as $750 every year so you should quote and compare rates each time the policy renews to save money.
Auto insurance coverage considerations
Knowing the specifics of a auto insurance policy can help you determine the best coverages and the correct deductibles and limits. Policy terminology can be ambiguous and coverage can change by endorsement.
Collision coverages – This pays to fix your vehicle from damage from colliding with a stationary object or other vehicle. You first must pay a deductible and then insurance will cover the remainder.
Collision coverage protects against claims such as scraping a guard rail, colliding with another moving vehicle and driving through your garage door. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are 8 years or older. Another option is to bump up the deductible on your Durango in order to get cheaper collision rates.
Medical expense insurance – Personal Injury Protection (PIP) and medical payments coverage kick in for expenses for chiropractic care, pain medications, nursing services, X-ray expenses and prosthetic devices. They are used to fill the gap from your health insurance plan or if you lack health insurance entirely. It covers both the driver and occupants in addition to if you are hit as a while walking down the street. Personal Injury Protection is not universally available but it provides additional coverages not offered by medical payments coverage
Protection from uninsured/underinsured drivers – This coverage gives you protection when the “other guys” are uninsured or don’t have enough coverage. It can pay for hospital bills for your injuries and also any damage incurred to your Dodge Durango.
Because many people carry very low liability coverage limits (15/30/10), their liability coverage can quickly be exhausted. So UM/UIM coverage is important protection for you and your family.
Liability coverages – This coverage will cover injuries or damage you cause to a person or their property by causing an accident. Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. You commonly see values of 15/30/10 that means you have $15,000 bodily injury coverage, a per accident bodily injury limit of $30,000, and a limit of $10,000 paid for damaged property.
Liability coverage protects against things like legal defense fees, structural damage, repair bills for other people’s vehicles, repair costs for stationary objects and emergency aid. How much liability should you purchase? That is your choice, but it’s cheap coverage so purchase as much as you can afford. Arizona requires minimum liability limits of 15/30/10 but drivers should carry more liability than the minimum.
Comprehensive (Other than Collision) – Comprehensive insurance pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.
Comprehensive coverage protects against claims like damage from getting keyed, a tree branch falling on your vehicle and hitting a deer. The maximum amount your auto insurance company will pay is the market value of your vehicle, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.
How much can you save?
Drivers leave their current company for any number of reasons including high rates after DUI convictions, extreme rates for teen drivers, delays in responding to claim requests and even high prices. It doesn’t matter what your reason, finding the right car insurance provider can be easier than you think.
We just presented many ideas to find cheaper Dodge Durango insurance in Phoenix. The key concept to understand is the more rate comparisons you have, the better likelihood of getting cheaper Phoenix car insurance quotes. You may even be surprised to find that the best prices are with some of the lesser-known companies.
As you quote Phoenix car insurance, it’s very important that you do not reduce needed coverages to save money. There are too many instances where consumers will sacrifice liability coverage limits and learned later they didn’t have enough coverage. The goal is to buy a smart amount of coverage at a price you can afford and still be able to protect your assets.
Additional information can be found on the following sites:
- Eight Auto Insurance Myths (Insurance Information Institute)
- Who Has the Cheapest Car Insurance Quotes for a Chevrolet Traverse in Phoenix? (FAQ)
- Who Has Cheap Phoenix Car Insurance Rates for a Honda Accord? (FAQ)
- Who Has the Cheapest Car Insurance for a Chevrolet Malibu in Phoenix? (FAQ)
- Should I Buy a New or Used Car? (Allstate)
- Higher speed limits cause more fatalities (Insurance Institute for Highway Safety)