Find the Lowest Rates for Dodge Durango Insurance in Las Vegas

Searching for better insurance prices for a new or used Dodge Durango in Nevada can be a painful process, but you can use a few tricks and make it easy.

There is a better way to compare car insurance rates so we’re going to tell you the best way to get price quotes for a new or used Dodge and locate the lowest price from Las Vegas insurance agents and online providers.

It’s smart to shop coverage around quite often due to the fact that insurance rates change regularly. Despite the fact that you may have had the lowest rates on Durango insurance a couple years back a different company probably has better rates today. There is a lot of bad information regarding car insurance online, so with this article, you’re going to get some tested techniques to buy car insurance cheaper.

Why your Dodge Durango might be costing you more

An important part of buying insurance is that you know the factors that help determine car insurance rates. Understanding what determines base rates helps enable you to make changes that could result in lower car insurance prices.

Your location affects your rates – Choosing to live in a small town can save you money when insuring your vehicles. Drivers who live in large cities have to deal with traffic congestion and much longer commute distances. Fewer people translates into fewer accidents.
Don’t get talked into coverage you don’t need – There are many extra coverages you can purchase on your Durango policy. Things like rental car reimbursement, better glass coverage and term life insurance may be costing you every month. They may seem like a good idea when you first buy your policy, but if they’re wasting money remove them from your policy.
Lower deductibles cost more – Physical damage deductibles represent how much money you are required to spend before a claim is paid by your company. Physical damage insurance, also known as collision and other-than-collision, protects your car from damage. A few examples of covered claims would be colliding with a building, damage caused by hail, or theft. The more you have to pay, the lower your rates will be on Durango insurance.
Traffic violations increase rates – A bad driving record has a big impact on rates. Drivers who don’t get tickets have lower premiums than people who have multiple driving citations. Only having one ticket can bump up the cost forty percent or more. If you have severe violations such as DUI or reckless driving may find they need to file a SR-22 to the state department of motor vehicles in order to drive a vehicle legally.

Comprehensive Las Vegas Car Insurance Comparison

Effectively comparing car insurance prices can be a lot of work if you aren’t aware of the best way to get rate quotes. You can waste hours talking to insurance agencies in Las Vegas, or you could save time and use online quotes for quick rates.

Most of the best insurance companies participate in a marketplace that allows shoppers to enter their policy data once, and each company returns a competitive quote for coverage. This prevents consumers from doing repetitive form submissions for every car insurance company.

To compare pricing click to open in new window.

The only drawback to using this type of form is you can’t choose the insurers to get quotes from. If you wish to select from a list of companies to request quotes from, we have assembled a list of the cheapest car insurance companies in Nevada. Click to view list.

It doesn’t matter which method you choose, just make sure you use apples-to-apples coverages with every price quote. If you have mixed coverages you will not be able to decipher which rate is best in Las Vegas. Quoting even small variations in coverage limits may result in a large different in cost. Keep in mind that having more price comparisons gives you a better chance of getting better pricing.

Is there deception in advertising?

Companies like Allstate and Progressive constantly bombard you with ads on television and other media. All the ads have a common claim that you’ll save big if you switch your policy. How does each company say the same thing?

All companies can use profiling for the driver they prefer to insure. A good example of a profitable customer could possibly be between the ages of 40 and 55, has no tickets, and has a short commute. A propective insured who matches those parameters will get the preferred rates and most likely will cut their rates substantially.

Potential insureds who fall outside the “perfect” profile must pay higher rates and this can result in business not being written. Company advertisements say “people who switch” but not “drivers who get quotes” save that kind of money. That’s why insurance companies can confidently advertise the savings.

This illustrates why you should quote coverage with many companies. It’s not possible to predict the company that will fit your personal profile best.

Don’t pay full price with these discounts

Insuring your fleet can be pricey, but companies offer discounts to help bring down the price. Certain discounts will be triggered automatically at the time you complete a quote, but a few must be asked for before you will receive the discount.

Passive Restraints and Air Bags – Factory air bags or motorized seat belts can qualify for discounts of 20% or more.
Multiple Cars – Insuring all your vehicles on one policy could earn a price break for each car.
Government Employees – Being employed by or retired from a federal job can earn a discount up to 10% on Durango insurance depending on your company.
Auto/Life Discount – Companies who offer life insurance give a discount if you purchase life insurance from them.
Anti-theft System – Vehicles with anti-theft systems help deter theft and qualify for as much as a 10% discount.
Anti-lock Brake Discount – Cars that have steering control and anti-lock brakes are safer to drive and earn discounts up to 10%.
Pay Upfront and Save – If paying your policy premium upfront instead of making monthly payments you can actually save on your bill.
Sign Early and Save – Select companies give a discount for switching policies prior to your current policy expiration. It can save you around 10%.

It’s important to note that most of the big mark downs will not be given to your bottom line cost. Some only reduce individual premiums such as comprehensive or collision. Just because you may think all those discounts means the company will pay you, it doesn’t quite work that way. But any discount will cut your overall premium however.

Can’t I compare rates from local Las Vegas agents?

Some people would rather get advice from a local agent and that is OK! One of the great benefits of getting online price quotes is that you can obtain lower rates and still have an agent to talk to. And supporting local insurance agencies is especially important in Las Vegas.

Once you complete this form (opens in new window), the quote information is sent to local insurance agents who will compete for your business. You never need to drive around due to the fact that quote results will go straight to your inbox. How cool is that?! You can find better rates AND an agent nearby.

Types of insurance agents

When finding a good insurance agency, there are a couple of different agency structures that differ in how they can insure your vehicles. Las Vegas agents are either captive or independent (non-captive).

Independent Agents

Independent agents do not work for one specific company but rather can write business with multiple insurance companies and potentially find a lower price. If your agent finds better pricing, your agent can switch companies and you won’t have to switch agencies. When shopping rates, it’s recommended you contact at a minimum one independent agency for maximum quote selection.Most can insure with different regional companies who may have lower rates.

Agency Captives

Captive agencies work for only one company such as State Farm, AAA, Farmers Insurance or Allstate. They usually cannot compare other company’s rates so always compare other rates. Captives are trained well on the products they sell which can be an advantage. Some consumers prefer to buy insurance from these agents mainly due to loyalty to the company and strong financial ratings.

Picking an insurance agency requires more thought than just the price. Some important questions to ask are:

Do the coverages you’re quoting properly cover your vehicle?
Did they already check your driving record and credit reports?
Is the agent and/or agency licensed to do business in Nevada?
How much can you save by raising your physical damage deductibles?
How are they compensated?
Are you getting all the discounts the company offers?

After getting satisfactory answers to these questions and a good coverage price, it’s possible that you found an insurance agent that meets your needs to insure your vehicles.

Additional car insurance information can be found on the Nevada Division of Insurance website through this link. Consumers can learn about insurance regulations, file complaints about an insurance agent or broker, view a list of available companies, and find out industry alerts.

Quote often and quote early

Throughout this article, we presented some good ideas how to lower your Dodge Durango insurance rates. The key concept to understand is the more rate comparisons you have, the better your chances of lowering your rates. Drivers may discover the lowest rates come from some of the smallest insurance companies.

People who switch companies do it for a number of reasons such as policy non-renewal, unfair underwriting practices, delays in responding to claim requests or even extreme rates for teen drivers. It doesn’t matter what your reason, finding a new company can be less work than you think.

Cost effective Dodge Durango insurance can be found on the web and with local Las Vegas insurance agents, so you should be comparing quotes from both so you have a total pricing picture. There are still a few companies who do not offer online price quotes and these small, regional companies work with independent agents.