2000 Dodge Durango Car Insurance Quotes – 5 Tips for Cheapest Rates

Drivers have options when trying to find low-cost Dodge Durango insurance. They can either waste time contacting agents to compare prices or leverage the internet to compare rates.

There are both good and bad ways to compare auto insurance rates and you need to know the quickest way to price shop coverage on a Dodge and get the best price possible either online or from local insurance agents.

If you are insured now or are looking for a new policy, you can follow these tips to get lower rates while maintaining coverages. The purpose of this article is to teach you how to get online quotes. Vehicle owners only need to know the proper way to find the lowest price on the web.

How to buy insurance

Lowering your 2000 Dodge Durango insurance rates isn’t really that difficult. Consumers just need to invest a little time comparing price quotes from online providers. It’s super easy and can be done in just a few minutes using one of these methods.

  • The fastest way to get quotes is a comparison rater form click here to open form in new window. This style of form saves time by eliminating separate quotation requests for each company you want a rate for. One quote request will return price quotes from many national carriers. It’s the fastest way to compare.
  • A more time consuming way to analyze rates is spending the time to visit the website for every company you want to comare and repeat the quote process again and again. For example, let’s assume you want to see prices from State Farm, Progressive and Farmers. To get each rate you have to spend time going to each site individually and repeatedly type in your coverage information, which can take a lot of time. For a list of links to companies insuring cars in your area, click here.

Take whichever approach you prefer, but compare exactly the same coverages and limits for every quote you compare. If each company quotes mixed coverages it’s impossible to determine the best price for your Dodge Durango.

Five discounts for cheap auto insurance rates

Auto insurance is not cheap nor is it fun to buy but there are discounts available that can dramatically reduce your bill. Certain discounts will be applied at the time you complete a quote, but less common discounts must be inquired about prior to receiving the credit.

  • Discount for Multiple Policies – If you combine your auto and homeowners policies with the same insurance company you will save approximately 10% to 15%.
  • Driver’s Ed – Require your teen driver to sucessfully take a drivers education course as it can save substantially.
  • Discounts for Seat Belt Usage – Buckling up and requiring all passengers to buckle their seat belts can save 10% or more off PIP or medical payments premium.
  • Employee of Federal Government – Being employed by or retired from a federal job may qualify for a discount when you quote auto insurance on Durango insurance with select insurance companies.
  • Service Members Pay Less – Being on active deployment in the military may lower your rates slightly.

A little note about advertised discounts, some credits don’t apply the the whole policy. A few only apply to individual premiums such as medical payments or collision. So even though it sounds like all those discounts means the company will pay you, company stockholders wouldn’t be very happy.

To see a list of providers that offer multiple discounts, click here to view.

You may need specialized insurance coverage

When buying the best insurance coverage for your personal vehicles, there is no “best” method to buy coverage. Everyone’s needs are different.

For example, these questions may help highlight if your insurance needs would benefit from professional advice.

  • Should I rate my 2000 Dodge Durango as pleasure use or commute?
  • How can I force my company to pay a claim?
  • What is the difference between comprehensive and collision coverage?
  • Does my car insurance cover rental cars?
  • Do I need an umbrella policy?
  • How can I get high-risk coverage after a DUI?
  • What is the rate difference between pleasure use and commuting?

If you don’t know the answers to these questions but you know they apply to you, you might consider talking to an agent. If you want to speak to an agent in your area, complete this form. It’s fast, doesn’t cost anything and may give you better protection.

Detailed coverages of your auto insurance policy

Knowing the specifics of your auto insurance policy can help you determine the right coverages at the best deductibles and correct limits. The terms used in a policy can be confusing and reading a policy is terribly boring.

Comprehensive auto insurance

Comprehensive insurance pays for damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for claims such as theft, a tree branch falling on your vehicle and hail damage. The maximum amount your auto insurance company will pay is the actual cash value, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Coverage for medical expenses

Coverage for medical payments and/or PIP pay for expenses for things like funeral costs, ambulance fees, nursing services and hospital visits. They are utilized in addition to your health insurance policy or if you do not have health coverage. They cover all vehicle occupants and also covers being hit by a car walking across the street. Personal Injury Protection is not available in all states and gives slightly broader coverage than med pay

Collision coverage

This coverage pays to fix your vehicle from damage resulting from a collision with a stationary object or other vehicle. You have to pay a deductible then your collision coverage will kick in.

Collision coverage pays for things such as hitting a mailbox, backing into a parked car and sustaining damage from a pot hole. Paying for collision coverage can be pricey, so you might think about dropping it from lower value vehicles. Drivers also have the option to choose a higher deductible in order to get cheaper collision rates.

Coverage for uninsured or underinsured drivers

Your UM/UIM coverage provides protection from other drivers when they either have no liability insurance or not enough. Covered losses include medical payments for you and your occupants and also any damage incurred to your Dodge Durango.

Since many drivers carry very low liability coverage limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages is very important. Frequently these coverages are similar to your liability insurance amounts.

Liability coverage

This can cover damage or injury you incur to people or other property. This coverage protects you from claims by other people. It does not cover damage sustained by your vehicle in an accident.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see liability limits of 50/100/50 which means $50,000 in coverage for each person’s injuries, a per accident bodily injury limit of $100,000, and $50,000 of coverage for damaged propery. Another option is one limit called combined single limit (CSL) which provides one coverage limit without having the split limit caps.

Liability coverage protects against things such as funeral expenses, structural damage and loss of income. How much liability should you purchase? That is a personal decision, but you should buy as much as you can afford.