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The best way we recommend to get cheaper auto insurance rates is to compare quotes once a year from insurers that sell auto insurance in San Jose.
- Step 1: Try to learn a little about how car insurance works and the things you can control to drop your rates. Many risk factors that drive up the price such as traffic citations and poor credit can be controlled by making minor changes to your lifestyle.
- Step 2: Request price quotes from exclusive agents, independent agents, and direct providers. Direct and exclusive agents can only give rate quotes from one company like Progressive or Farmers Insurance, while agents who are independent can give you price quotes for a wide range of insurance providers.
- Step 3: Compare the new rate quotes to the premium of your current policy and determine if there is any savings. If you find a lower rate quote, make sure there is no coverage gap between policies.
An important note is to compare the same coverage limits and deductibles on each quote and and to look at as many different companies as possible. Doing this ensures a fair rate comparison and a good representation of prices.
Sadly, most drivers in California have bought auto insurance from the same company for well over three years, and 38% of drivers have never compared auto insurance rates at all. Consumers in the U.S. could save $850 a year by just comparing rate quotes, but most tend to underestimate the rate savings if they changed companies.
The method we recommend to compare car insurance rates for Dodge Durango insurance in San Jose is to know most insurance companies participate in a system to quote your coverage. All you need to do is provide the companies a bit of rating information such as how much school you completed, level of coverage desired, your occupation, and the type of vehicles you drive. That information gets sent immediately to many different companies and they provide comparison quotes instantly to find the best rate.
If you wish to get multiple quotes for your car now, click here and see if a lower rate is available in San Jose.
The providers in the list below provide price quotes in California. If the list has multiple companies, we recommend you visit several of them to get a more complete price comparison.
Auto insurance is not optional in California
Despite the potentially high cost of Dodge Durango insurance, auto insurance serves an important purpose.
First, just about all states have mandatory insurance requirements which means state laws require a specific minimum amount of liability coverage in order to be legal. In California these limits are 15/30/5 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $5,000 of property damage coverage.
Second, if you have a lien on your vehicle, most lenders will stipulate that you have full coverage to guarantee their interest in the vehicle. If coverage lapses or is canceled, the bank or lender will purchase a policy for your Dodge at a significantly higher premium and make you pay much more than you were paying before.
Third, insurance protects not only your Dodge Durango but also your assets. Insurance will pay for most medical and hospital costs for both you and anyone you injure as the result of an accident. Liability coverage also pays expenses related to your legal defense if someone files suit against you as the result of an accident. If your vehicle suffers damage from an accident or hail, your policy will pay to have it repaired.
The benefits of having insurance definitely exceed the price paid, particularly for liability claims. The average driver in California is wasting up to $825 a year so it's important to compare rates at every policy renewal to be sure current rates are still competitive.
San Jose Insurance Costs are Influenced by These Factors
Multiple criteria are taken into consideration when you get your auto insurance bill. Most are fairly basic such as traffic violations, although others are more transparent such as your credit history or how financially stable you are.
Listed below are some of the items utilized by car insurance companies to help set prices.
Cheaper to insure females? - Statistics have proven that females take fewer risks when driving. However, this does not mean men are worse drivers. Men and women cause accidents at about the same rate, but males tend to have more serious accidents. Men also statistically have more aggressive citations like reckless driving and DUI. Males from age 16 to 21 are most likely to cause an accident so they pay the highest premiums.
Never have auto insurance lapses - Driving without insurance is against the law and any future policy may cost more because you let your coverage cancel without a new policy in place. And not only will your rates increase, failure to provide proof of insurance may earn you a steep fine or even jail time. You may then have to submit proof of financial responsibility or a SR-22 with the California DMV.
Impacts performance impacts auto insurance premiums - The performance level of the vehicle you own makes a big difference in determining your rates. Lower performance four cylinder passenger models generally receive the lowest base rates, but many other things help determine your insurance rates.
Combining policies can get discounts - Lots of insurance companies allow better rates to insureds that buy multiple policies in the form of a multi-policy discount. Even if you're getting this discount drivers will still want to compare Dodge Durango rates in San Jose to verify if the discount is saving money.There is a chance you can save even more than the discount even if you have your coverage with different companies
Accidents cost more than a fine - Attentive drivers get better prices than people who have multiple driving citations. Just one speeding ticket can increase the cost of insurance twenty percent or more. Drivers who have flagrant violations like DWI, reckless driving or hit and run convictions might be required by their state to maintain a SR-22 with their state motor vehicle department in order to legally drive a vehicle.
High credit equals lower costs - A driver's credit score can be a huge factor in your rate calculation. Insureds with high credit ratings tend to be more responsible and file fewer claims than drivers with lower credit ratings. If your credit is not that good, you may save money insuring your Dodge Durango by taking the time to improve your credit score.
Don't abuse policy claims - Car insurance companies in California generally give most affordable rates to insureds who file claims infrequently. If you tend to file frequent claims, you can definitely plan on either policy cancellation or increased premiums. Your insurance policy is intended for claims that pose a financial burden.
Discounts for alarm systems - Driving a car with a theft deterrent system can help lower your premiums. Anti-theft devices such as vehicle immobilizer systems, OnStar, and tracking devices like LoJack can help prevent auto theft and help lower rates.
Insurance loss probability for a Dodge Durango - Insurance companies use historical loss data to calculate a price that will offset any claims. Models that the data determines to have higher claim frequency or loss amount will have higher premium rates.
The information below illustrates the compiled insurance loss statistics for Dodge Durango vehicles. For each insurance policy coverage type, the claim probability for all vehicles, regardless of make, model or trim level, is represented as 100. Percentage values below 100 suggest a better than average loss history, while values that are above 100 point to more losses or an increased chance of a larger loss.
|Specific Dodge 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|
Statistics from IIHS.org for 2013-2015 Model Years
Persistent drivers can save
Cheap Dodge Durango insurance in San Jose is available from both online companies and from local insurance agents, and you need to price shop both in order to have the best chance of saving money. Some car insurance companies may not offer internet price quotes and many times these smaller companies only sell coverage through independent insurance agencies.
When you buy San Jose auto insurance online, do not sacrifice coverage to reduce premiums. There have been many situations where drivers have reduced physical damage coverage only to find out that saving that couple of dollars actually costed them tens of thousands. Your goal should be to buy enough coverage at a price you can afford, but do not skimp to save money.
We just covered a lot of ways to get a better price on Dodge Durango insurance in San Jose. The most important thing to understand is the more rate quotes you have, the higher the chance of saving money. Drivers may even discover the lowest priced car insurance comes from some of the smallest insurance companies.
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