The recommended way to get cheaper auto insurance rates is to start comparing rates regularly from providers in Honolulu.
Step 1: Gain an understanding of coverages and the measures you can take to prevent high rates. Many policy risk factors that result in higher rates such as accidents, careless driving, and a lousy credit rating can be controlled by making minor changes in your lifestyle.
Step 2: Quote rates from direct, independent, and exclusive agents. Exclusive agents and direct companies can give quotes from a single company like Progressive or Farmers Insurance, while independent agencies can provide rate quotes from multiple sources. View a list of agents
Step 3: Compare the new rate quotes to your existing coverage and determine if cheaper Durango coverage is available. If you find a better price and make a switch, verify that coverage does not lapse between policies.
Step 4: Notify your current company of your decision to cancel your existing policy. Submit a down payment along with a signed application for the new coverage. As soon as coverage is bound, keep the new proof of insurance paperwork in your vehicle.
The key thing to know about shopping around is to use identical limits and deductibles on each quote request and and to get prices from as many car insurance companies as possible. This guarantees an accurate price comparison and a thorough selection of prices.
We don’t have to tell you that insurance companies don’t want you quoting rates from other companies. People who do rate comparisons will probably buy a new policy because the odds are good of finding a policy with better rates. A recent survey revealed that consumers who regularly compared rates saved about $3,500 over four years compared to policyholders who never compared prices.
If finding the most affordable Dodge Durango insurance is why you’re here, then learning a little about how to quote prices and compare insurance coverage can help simplify the process.
How to get free Dodge Durango insurance quotes online
Most of the larger companies allow you to get price estimates online. Getting quotes for Dodge Durango insurance in Honolulu doesn’t take much effort as you simply enter your personal and coverage information as detailed in the form. Upon sending the form, their quoting system will order reports for credit and driving violations and gives you a price quote determined by many factors.
Using the web to get price quotes for Dodge Durango insurance in Honolulu helps simplify price comparisons, and it’s very important to perform this step in order to get lower-cost rates.
In order to compare pricing, take a look at the companies shown below. To compare your current rates, we recommend you input the coverages identical to your current policy. This guarantees you will get comparison quotes based on identical coverages.
The following companies can provide price quotes in Honolulu, HI. If multiple companies are listed, it’s a good idea that you get rates from several of them in order to find the most competitive rates.
Auto insurance is not optional but you don’t have to overpay
Despite the potentially high cost of Dodge Durango insurance, auto insurance is required in Hawaii but it also protects you in many ways.
- Most states have mandatory liability insurance requirements which means state laws require specific limits of liability protection if you drive a vehicle. In Hawaii these limits are 20/40/10 which means you must have $20,000 of bodily injury coverage per person, $40,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.
- If you bought your Durango with a loan, it’s guaranteed your bank will have a requirement that you have full coverage to guarantee payment of the loan. If you cancel or allow the policy to lapse, the lender may have to buy a policy to insure your Dodge at an extremely high rate and require you to reimburse them for the much more expensive policy.
- Insurance protects not only your vehicle but also your financial assets. It will also provide coverage for most medical and hospital costs for not only you but also any passengers injured in an accident. Liability insurance, one of your policy coverages, also pays expenses related to your legal defense if anyone sues you for causing an accident. If you have damage to your Dodge as the result of the weather or an accident, comprehensive and collision coverage will pay to have it repaired.
The benefits of having auto insurance are without a doubt worth the cost, specifically if you ever have a liability claim. According to a recent study, the average American driver is wasting up to $820 a year so smart consumers compare quotes once a year at a minimum to save money.
Dodge Durango Insurance Price Factors
When buying insurance it’s important to understand some of the elements that aid in calculating your insurance rates. If you know what determines base rates, this enables you to make decisions that can earn you lower rates. Many things are used when you get your auto insurance bill. A few of the factors are predictable such as your driving history, although others are less obvious like where you live and annual miles driven.
The itemized list below are some of the factors used by companies to determine your premiums.
Bad credit hurts insurance premiums – A driver’s credit rating factor in determining what you pay for insurance. So if your credit history can use some improvement, you could potentially save money when insuring your Dodge Durango by repairing your credit. People with excellent credit scores tend to be better risks to insure than drivers with poor credit.
Where you live – Being located in smaller towns and rural areas of the country has it’s advantages when buying insurance. Drivers who live in large cities regularly have traffic congestion and much longer commute distances. Fewer drivers translates into fewer accidents in addition to lower liability claims.
Insurance prices and driver gender – Statistics demonstrate that females take fewer risks when driving. However, don’t assume that females are better drivers. Men and women are responsible for auto accidents at a similar rate, but the males have costlier accidents. Not only are claims higher, but men get ticketed for serious violations like reckless driving and DUI. Male drivers age 16 to 19 generally have the highest accident percentage so it costs more to insure them.
See if your company offers a multi-policy discount – Most larger insurance companies provide lower prices to people that buy multiple policies. It’s known as a multi-policy discount. Even if you qualify for this discount already, drivers will still want to compare Dodge Durango rates in Honolulu to confirm you are receiving the best rates possible.
Driving citations are costly – Your driving record influences premium rates substantially. Even a single speeding ticket or other violation may increase your cost twenty percent or more. Drivers with clean records receive lower rates as compared to careless drivers. Drivers unfortunate enough to have multiple citations such as DWI, reckless driving or hit and run convictions may face state-mandated requirements to submit a SR-22 form with their state’s licensing department in order to continue driving.
Claims statistics for a Dodge Durango – Insurance companies factor in historical loss data when setting rates for each model. Vehicles that have a trend towards higher claims will be charged more to insure.
The table below illustrates the actual insurance loss data for Dodge Durango vehicles. For each insurance policy coverage type, the claim amount for all vehicles averaged together is set at 100. Values below 100 mean the vehicle has better than average losses, while percentages above 100 show a trend for more claims or an increased likelihood of larger losses.
| 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: Insurance Institute for Highway Safety for 2013-2015 Model Years
Persistence pays off
Low-cost Dodge Durango insurance in Honolulu can be sourced on the web as well as from insurance agents, and you should be comparing both in order to have the best chance of saving money. A few companies do not offer rate quotes online and many times these smaller companies only sell coverage through local independent agents.
We’ve covered some good ideas how to reduce Dodge Durango insurance prices online in Honolulu. The most important thing to understand is the more companies you get rates for, the better your comparison will be. Consumers could even find that the lowest prices come from a small local company.
As you go through the steps to switch your coverage, it’s not a good idea to skimp on coverage in order to save money. Too many times, an insured dropped liability coverage limits and learned later they didn’t have enough coverage. Your goal should be to get the best coverage possible at the best possible price while still protecting your assets.
Additional articles
- Learn About Car Insurance (GEICO)
- Who Has Affordable Honolulu Car Insurance Rates for Inexperienced Drivers? (FAQ)
- Who Has Affordable Car Insurance for High School Students in Honolulu? (FAQ)
- Who Has Cheap Auto Insurance Quotes for Government Employees in Honolulu? (FAQ)
- Dangers of fake or stolen airbags (Insurance Institute for Highway Safety)
- What to do at the Scene of an Accident (Insurance Information Institute)