Overpriced car insurance in San Antonio can deplete your savings account and make it impossible to make ends meet. Price shopping at each renewal can save money and help to reduce premiums and put more money in your pocket.
It’s safe to assume that insurance companies want to keep you from shopping around. Consumers who get comparison quotes at least once a year are highly likely to buy a different policy because there is a good chance of finding better rates. A recent survey found that consumers who routinely compared quotes saved as much as $70 a month compared to policyholders who never shopped around for lower prices.
If saving the most money on car insurance in San Antonio is the reason you’re here, then having an understanding of how to shop and compare auto insurance can make it easier for you to save money.
Due to the large number of different company options, it can be impossible to locate the lowest price insurance company.
Smart consumers take time to get comparison quotes every six months since prices change regularly. Just because you found the lowest price on Dodge Durango insurance in San Antonio a couple years back you will most likely find a better rate quote today. There is a lot of wrong information about Durango insurance out there, but we’re going to give you some good information on how to save money.
Cut Insurance Costs with These Tips
Consumers need to have an understanding of some of the factors that aid in calculating your premiums. If you have some idea of what determines base rates, this enables informed choices that can help you get big savings.
Does your vocation cost you more? – Do you have a high-stress occupation? Occupations such as real estate brokers, air traffic controllers, and accountants have the highest rates because of intense work situations and lots of time spent away from family. Conversely, jobs like professors, athletes and the unemployed pay lower than average rates.
Car plus home equals more savings – Many insurers will give discounts to customers who carry more than one policy, otherwise known as a multi-policy discount. Discounts can amount to 10 percent or more. Even if you qualify for this discount already, it’s in your best interest to compare Dodge Durango rates in San Antonio to make sure you are getting the best deal.
High credit rating translates to low premiums – Your credit history factor in determining what you pay for auto insurance. If your credit score can use some improvement, you could pay less to insure your Dodge Durango if you improve your credit rating. Drivers who have excellent credit tend to file fewer claims and have better driving records than those with lower credit scores.
Urban areas may pay more – Having an address in a small town is a positive aspect when it comes to auto insurance. Less people means less chance of accidents and also fewer theft and vandalism claims. People who live in big cities tend to have congested traffic and much longer commute distances. Higher commute times means more chance of being in an accident.
Drive a safer car and pay less – Cars with high safety ratings tend to be cheaper to insure. Vehicles built for safety reduce occupant injuries and lower injury rates means lower claim amounts and lower rates for you.
How do annual miles impact prices? – The more you drive in a year’s time the more you will pay for auto insurance. Most insurance companies charge rates partially by how you use the vehicle. Autos used primarily for pleasure use qualify for better rates than vehicles that have high annual mileage. Improper usage on your Durango is throwing money out the window. Verify your auto insurance coverage is rated on the right rating data, because it can save money.
High performance vehicles cost more to insure – The make and model of the car, truck or SUV you own makes a significant difference in your rates. Lower performance four cylinder passenger cars receive the most favorable rates, but that’s not the only thing that factors into the final price.
Lower deductibles cost more – Physical damage deductibles define the amount you are willing to pay if a covered claim is submitted. Insurance for physical damage, also called ‘full coverage’, covers damage that occurs to your car. Examples of covered claims would be collision with another vehicle, vandalism, and having a roll-over accident. The more damage repair cost you’re willing to pay, the lower your rates will be.
Insurance losses for a Dodge Durango – Insurers use statistical claims data to help calculate premium rates. Models that historically have increased claim numbers or amounts will have higher premium rates. The information below illustrates the insurance loss data used by companies for Dodge Durango vehicles.
For each coverage type, the claim probability for all vehicles, regardless of manufacturer or model, equals 100. Numbers that are below 100 indicate better than average losses, while values that are above 100 indicate higher probability of having a loss or a tendency for losses to be larger than average.
| Vehicle Make and 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 |
Data Source: iihs.org (Insurance Institute for Highway Safety) for 2013-2015 Model Years
Cheap insurance rates are out there
Some insurance providers do not provide rates over the internet and usually these smaller providers sell through independent insurance agents. Affordable Dodge Durango insurance in San Antonio can be found online and from local agencies, so you need to compare both to have the best rate selection.
In this article, we presented a lot of techniques to shop for Dodge Durango insurance online. The key concept to understand is the more quotes you get, the higher your chance of finding inexpensive San Antonio car insurance quotes. Consumers may even find the lowest car insurance rates are with a small local company. Some small companies may often insure only within specific states and give better rates than the large multi-state companies such as Progressive or GEICO.
Even more information can be read at these sites:
- Protect Yourself Against Auto Theft (Insurance Information Institute)
- How Much are Car Insurance Rates for 17 Year Olds in San Antonio? (FAQ)
- Child Safety FAQ (iihs.org)
- Understanding Car Crashes Video (iihs.org)