Are you tired of trying to find more competitive Dodge Durango insurance in Cleveland? Are you drained from scraping nickels together to insure your Dodge every month? You are in the same boat as millions of other vehicle owners.
It’s easy to assume that insurance companies don’t want policyholders to compare prices from other companies. Insureds who compare rates at least once a year are likely to switch to a new company because the odds are good of finding discount prices. A recent survey revealed that drivers who compared rates once a year saved an average of $865 annually compared to those who never compared prices.
If finding the cheapest rates on insurance is why you’re reading this, then having some insight into how to get price quotes and compare auto insurance can help make the process easier.
How to save money on Dodge Durango insurance in Cleveland
If saving the most money is your goal, then the best way to find more affordable auto insurance rates in Cleveland is to do a yearly price comparison from insurers who sell insurance in Ohio. You can compare rates by completing these steps.
First, it will benefit you to learn about how auto insurance works and the steps you can take to lower rates. Many policy risk factors that are responsible for high rates such as at-fault accidents, careless driving, and a bad credit rating can be remedied by being financially responsible and driving safely. Read the full article for more details to find cheap rates and find overlooked discounts.
Second, request rate estimates from exclusive agents, independent agents, and direct providers. Direct companies and exclusive agencies can provide rates from one company like GEICO and State Farm, while agents who are independent can provide rate quotes for a wide range of insurance providers.
Third, compare the price quotes to your existing policy to see if a cheaper price is available in Cleveland. If you find a better price, make sure there is no lapse in coverage.
Fourth, tell your current agent or company of your intention to cancel the current policy. Submit payment and a signed application for your new coverage. Once the paperwork is finalized, keep your new proof of insurance certificate in your vehicle.
The critical component of shopping around is to compare the same amount of coverage on every quote and and to get quotes from as many companies as possible. Doing this helps ensure the most accurate price comparison and the best price quote selection.
Multiple insurance companies compete to insure your vehicles, so it can be very hard to choose a company to get the lowest rate on Dodge Durango insurance in Cleveland.
It is always a good idea to price shop coverage before your next renewal because car insurance prices go up and down regularly. Even if you think you had the best deal on Dodge Durango insurance in Cleveland on your last policy a different company probably has better premium rates today. You’ll find quite a bit of inaccurate information about Durango insurance out there, but by reading this article, you’re going to learn a lot of great tips on how to stop overpaying for insurance in Cleveland.
If you’re already insured or just want cheaper rates, you can learn to buy cheaper insurance and possibly find even better coverage. Buying the cheapest insurance in Cleveland is not that difficult as long as you know where to start. Consumers just have to use the quickest method to compare price quotes from multiple carriers.
Do you qualify for these seven discounts?
Some companies do not advertise the complete list of policy discounts in an easy-to-find place, so we break down both well-publicized as well as some of the hidden credits available to bring down your rates.
- Theft Prevention Discount – Vehicles equipped with tracking devices and advanced anti-theft systems can help prevent theft and qualify for as much as a 10% discount.
- Government Employee Discount – Employees or retirees of the government could cut as much as 10% off with select insurance companies.
- Save with a New Car – Adding a new car to your policy may earn a small discount because newer vehicles keep occupants safer.
- Defensive Driving Course – Taking a defensive driver course could cut 5% off your bill and easily pay for the cost of the class.
- One Accident Forgiven – This isn’t a discount exactly, but some companies like Allstate, Progressive, and GEICO will let one accident slide before raising your premiums so long as you haven’t had any claims for a certain period of time.
- Passenger Safety Discount – Factory options such as air bags or motorized seat belts can qualify for discounts of more than 20%.
- Multiple Vehicles – Drivers who insure multiple cars on one policy can reduce rates for all insured vehicles.
One last thing about discounts, most credits do not apply to the entire cost. Some only apply to the cost of specific coverages such as comp or med pay. So when the math indicates adding up those discounts means a free policy, company stockholders wouldn’t be very happy.
If you would like to choose from a list of insurers with the best discounts in Ohio, click this link.
Insurance coverage basics
Having a good grasp of a insurance policy aids in choosing the right coverages for your vehicles. The coverage terms in a policy can be difficult to understand and nobody wants to actually read their policy. Shown next are the normal coverages available from insurance companies.
Coverage for uninsured or underinsured drivers
Uninsured or Underinsured Motorist coverage protects you and your vehicle from other drivers when they either have no liability insurance or not enough. This coverage pays for medical payments for you and your occupants and damage to your Dodge Durango.
Because many people carry very low liability coverage limits (25/50/25 in Ohio), their limits can quickly be used up. This is the reason having UM/UIM coverage is a good idea.
Liability car insurance
This provides protection from damages or injuries you inflict on a person or their property by causing an accident. Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see values of 25/50/25 which stand for $25,000 in coverage for each person’s injuries, a total of $50,000 of bodily injury coverage per accident, and property damage coverage for $25,000.
Liability coverage protects against claims such as attorney fees, structural damage, pain and suffering and court costs. How much liability coverage do you need? That is a decision to put some thought into, but you should buy as much as you can afford. Ohio state law requires minimum liability limits of 25/50/25 but drivers should carry better liability coverage.
The illustration below demonstrates why buying minimum limits may not be enough coverage.
Collision coverage will pay to fix damage to your Durango resulting from a collision with a stationary object or other vehicle. A deductible applies then the remaining damage will be paid by your insurance company.
Collision coverage protects against things like scraping a guard rail, colliding with a tree and sideswiping another vehicle. This coverage can be expensive, so you might think about dropping it from older vehicles. Drivers also have the option to bump up the deductible on your Durango to bring the cost down.
Coverage for medical expenses
Med pay and PIP coverage provide coverage for expenses for prosthetic devices, X-ray expenses, chiropractic care, nursing services and funeral costs. They are utilized in addition to your health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants and will also cover any family member struck as a pedestrian. Personal injury protection coverage is not universally available but can be used in place of medical payments coverage
Comprehensive insurance pays to fix your vehicle from damage that is not covered by collision coverage. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.
Comprehensive can pay for things like hitting a bird, damage from flooding, falling objects, damage from a tornado or hurricane and a broken windshield. The maximum amount a insurance company will pay at claim time is the actual cash value, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.
Quote often and quote early
Cheaper insurance in Cleveland is attainable on the web and also from your neighborhood Cleveland agents, and you need to price shop both to have the best rate selection. There are still a few companies who may not provide rate quotes online and many times these smaller companies only sell coverage through local independent agencies.
In this article, we presented some good ideas how you can lower your Dodge Durango insurance car insurance rates in Cleveland. The key thing to remember is the more you quote Cleveland auto insurance, the better likelihood of getting affordable Dodge Durango insurance quotes. You may even find the lowest priced insurance comes from a small local company. They may cover specific market segments cheaper as compared to the big name companies such as State Farm or Progressive.
How to find cheaper quotes for Dodge Durango insurance in Cleveland
The easiest way to get budget Dodge Durango insurance in Cleveland is to compare prices annually from companies who provide car insurance in Ohio.
- Try to comprehend how companies set rates and the factors you can control to keep rates down. Many rating criteria that are responsible for high rates such as distracted driving and a substandard credit score can be improved by paying attention to minor details.
- Compare price quotes from direct, independent, and exclusive agents. Direct companies and exclusive agencies can only give rate quotes from a single company like GEICO or State Farm, while agents who are independent can provide rate quotes for a wide range of insurance providers. Start a quote
- Compare the new quotes to the price on your current policy to determine if switching companies saves money. If you find a better price, make sure coverage does not lapse between policies.
An essential thing to point out is to use the same coverage limits and deductibles on each price quote and and to get rate quotes from as many companies as feasibly possible. Doing this enables an accurate price comparison and a thorough selection of prices.
To read more, take a look at the following helpful articles:
- Warning systems don’t curb driver distraction (Insurance Institute for Highway Safety)
- Who Has Cheap Car Insurance for Teenage Females in Cleveland? (FAQ)
- Who Has Affordable Auto Insurance for a GMC Sierra in Cleveland? (FAQ)
- Speed and Speed Limit FAQ (iihs.org)
- Young Drivers: The High Risk Years Video (iihs.org)
- Vehicle Insurance (Wikipedia)