Find Cheaper Dodge Durango Insurance in Stockton

Dodge Durango insurance image courtesy of QuoteInspector.com

Everyone knows that insurance companies want to keep you from shopping around. Consumers who shop around for better prices will most likely move their business because of the high probability of finding a lower-priced policy. Surprisingly, a recent survey revealed that drivers who made a habit of comparing rate quotes saved about $865 a year as compared to drivers who never shopped around.

If finding the lowest price on auto insurance in Stockton is your ultimate target, then having some insight into how to compare coverage rates can help make the process easier and more efficient.

If saving money is your primary concern, then the best way to get the cheapest auto insurance rates in Stockton is to start comparing rates regularly from companies in California.

1. Take a few minutes and learn about how car insurance works and the measures you can control to keep rates down. Many things that result in higher rates such as speeding and a poor credit rating can be amended by being financially responsible and driving safely.
2. Obtain price quotes from independent agents, exclusive agents, and direct companies. Exclusive agents and direct companies can only provide price estimates from one company like GEICO or State Farm, while independent agencies can quote prices from multiple insurance companies.
3. Compare the quotes to your existing rates to see if switching to a new carrier will save money. If you can save some money and make a switch, make sure there is no lapse in coverage.

An important note is that you'll want to make sure you compare identical coverages on every quote request and and to analyze as many auto insurance providers as possible. This helps ensure an accurate price comparison and a complete rate analysis.

If you have car insurance now, you will surely be able to get lower rates using the ideas presented in this article. Our goal is to let you in on how car insurance companies work and some money-saving tips. Although California consumers should learn how companies price insurance differently because rates are impacted by many factors.

How Insurance Companies Calculate Dodge Durango Insurance Rates

Many things are part of the equation when you get a price on insurance. Some are obvious such as your driving history, but some are less obvious such as whether you are married or how financially stable you are. When buying car insurance it's important to understand some of the things that come into play when calculating your policy premiums. When consumers understand what positively or negatively impacts your premiums, this allows you to make educated decisions that will entitle you to big savings.

• Drive fewer miles and save - Driving a lot of miles each year the higher your rate. A lot of companies apply a rate based upon how you use the vehicle. Autos used primarily for pleasure use receive better premium rates than vehicles that are driven to work every day. Improper usage on your Durango may be costing you higher rates. Make sure your car insurance declarations sheet correctly shows the right rating data, because it can save money.
• Liability coverage limits on your policy - Your policy's liability coverage will protect you if you are ruled to be at fault for causing personal injury or damage in an accident. Your liability coverage provides for a legal defense which can be incredibly expensive. This coverage is relatively inexpensive compared to insuring for physical damage coverage, so do not skimp.
• Rates impacted by your city - Choosing to live in a rural area has definite advantages when talking about car insurance. Fewer drivers on the road means fewer accidents and also fewer theft and vandalism claims. Urban drivers have more auto accidents and higher rates of accident claims. Higher commute times can result in more accidents.
• With age comes lower prices - Older drivers are more responsible, cause fewer claims and accidents, and are safer drivers. Young drivers tend to be inattentive and easily distracted when behind the wheel and because of this, their car insurance rates are much higher.
• What's your car's crash test rating? - Vehicles that have high safety ratings are cheaper to insure. These vehicles result in less severe injuries and lower injury rates means lower claim amounts passed on to you as lower rates. If your Dodge Durango is rated at a minimum an "acceptable" rating on the Insurance Institute for Highway Safety website it may be receiving lower rates.

• Insurance loss data for Dodge Durango vehicles - Auto insurance companies use data from past claims when setting rates for each model. Models that are shown to have higher losses will have a higher premium rate. The next table shows the insurance loss data used by companies for Dodge Durango vehicles.

  For each coverage type, the statistical loss for all vehicles averaged together is a value of 100. Values that are 100 or less are indicative of better than average losses, while numbers above 100 point to more claims or statistically larger losses.

  Dodge Durango Insurance Loss Statistics

  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

  BETTER

  AVERAGE

  WORSE

  Statistics from IIHS.org for 2013-2015 Model Years

What is the best car insurance company in Stockton?

Selecting the highest-rated car insurance company is difficult considering how many companies sell coverage in California. The company ratings shown next could help you analyze which car insurance companies to look at when shopping around.

Top 10 Stockton Car Insurance Companies by A.M. Best Rank

1. USAA - A++
2. Travelers - A++
3. State Farm - A++
4. GEICO - A++
5. Esurance - A+
6. Nationwide - A+
7. Allstate - A+
8. Mercury Insurance - A+
9. Progressive - A+
10. Titan Insurance - A+

Top 10 Stockton Car Insurance Companies Ranked by Value

1. USAA
2. American Family
3. The Hartford
4. AAA of Southern California
5. Titan Insurance
6. The General
7. AAA Insurance
8. State Farm
9. Mercury Insurance
10. Nationwide

Keep this in mind when shopping around

As you shop your coverage around, it's not a good idea to reduce needed coverages to save money. In many cases, someone dropped liability limits or collision coverage and discovered at claim time they didn't purchase enough coverage. Your focus should be to buy a smart amount of coverage at a price you can afford while not skimping on critical coverages.

You just learned some good ideas how you can find cheap Dodge Durango insurance in Stockton. The key concept to understand is the more times you quote, the better your comparison will be. Consumers could even find that the biggest savings come from a smaller regional carrier.

Low-cost Dodge Durango insurance in Stockton is attainable online and also from your neighborhood Stockton agents, and you need to comparison shop both to get a complete price analysis. Some companies don't offer online rate quotes and these small, regional companies only sell coverage through independent agents.

More detailed insurance information is available at these sites:

• Get the Right Protection (InsureUonline.org)
• How Much are Stockton Car Insurance Rates for Drivers Over Age 50? (FAQ)
• How Much are Stockton Car Insurance Quotes for Seniors? (FAQ)
• How Much are Auto Insurance Rates for a Chevrolet Traverse in Stockton? (FAQ)
• Warning systems don't curb driver distraction (Insurance Institute for Highway Safety)
• If I File a Claim will My Insurance Go Up? (Insurance Information Institute)