How Much Does 2001 Dodge Durango Insurance Cost?

Trying to find cheaper car insurance rates for your Dodge Durango? Searching for cheaper insurance for a Dodge Durango could be a lot of work, but you can follow these tips and make it easy.

There is a right way and a wrong way to buy car insurance so we’re going to tell you the best way to quote coverages for a Dodge and get the lowest price.

The fastest way that we advise to compare rates is to know the trick auto insurance companies participate in online systems to give you rate quotes. To begin a comparison, all you need to do is give the companies some data such as if you have a valid license, an estimate of your credit level, coverage limits, and whether your vehicle is owned or leased. The rating information gets sent immediately to many different companies and they respond with quotes with very little delay.

Don’t believe everything you hear

Consumers can’t get away from all the ads that claim the best prices by GEICO, State Farm and Progressive. All the companies seem to make the promise that drivers can save some big amount just by switching to their company.

But how can every company charge less that you’re paying now? Here is the trick they use.

Companies quote their best rates for the type of customer that earns them the most money. An example of a preferred risk could be over the age of 50, has few claims, and drives newer vehicles. Any customer who fits those characteristics is entitled to the best price and is almost guaranteed to save money with a new company.

Insureds who cannot meet those criteria may be required to pay a higher premium and ends up with the customer not purchasing. The ads state “customers who switch” not “all people who quote” save the amount stated. That is how companies can state the savings.

This really illustrates why you really should do a rate comparison at every renewal. You cannot predict with any certainty which company will have better prices than you’re paying now.

Lower insurance rates with these tips

A large part of saving on car insurance is knowing some of the things that go into determining the level of your policy premiums. If you know what determines premiums, this allows you to make good choices that may result in better car insurance rates.

The items below are most of the major factors used by companies to determine prices.

  • How old are your drivers? – More mature drivers have been proven to be more responsible, are lower risk to insure and get fewer tickets.Teen drivers are known to be inattentive when driving with friends therefore car insurance rates are much higher.
  • Save money by staying claim free – If you are the type of insured that files lots of claims you should expect either policy cancellation or increased premiums. Insurance companies give the best rates to insureds who do not rely on their insurance for small claims. Your car insurance is intended to be relied upon for major claims that would cause financial hardship.
  • Tickets increase premiums – Being a careful driver can have a huge impact on auto insurance premiums. Even one speeding ticket or other violation could increase your next policy renewal substantially. Good drivers have lower premiums compared to bad drivers. Drivers who get serious violations such as DUI or willful reckless driving may find they need to maintain a SR-22 with their state’s licensing department in order to legally drive.
  • Pay more if you have a long commute – Living in a small town is a good thing if you are looking for the lowest rates. Drivers in populated areas have congested traffic and much longer commute distances. Fewer drivers and short commutes translates into fewer accidents in addition to lower liability claims
  • Know your credit rating – Credit rating is a big factor in determining what you pay. Consumers who have excellent credit scores tend to be less risk to insure as compared to drivers with lower credit scores. If your credit score can use some improvement, you could pay less to insure your 2001 Dodge Durango if you improve your credit rating.
  • Prices and vocation – Jobs such as fire fightersair traffic controllers and miners have higher rates than average attributed to high stress levels and long work days. On the flip side, careers such as professors, students and retirees receive lower rates on Durango coverage.

More discounts mean lower-cost premiums

Insurance can cost an arm and a leg, but you may be missing some discounts that may help make it more affordable. Some discounts apply automatically when you quote, but once in a while a discount must be specifically requested before you will receive the discount. If you are not receiving all the discounts you deserve, you’re paying more than you need to.

  • Auto/Life Discount – If the company offers life insurance, you could get a discount if you purchase life insurance.
  • Student Discounts – This discount could provide a savings of up to 20% or more. The discount lasts until age 25.
  • Home Ownership Discount – Owning a house can get you a discount since home ownership means you have a higher level of financial diligence.
  • Discounts for Seat Belt Usage – Forcing all vehicle occupants to fasten their seat belts could save 15% on the premium charged for medical payments and/or PIP.
  • Memberships – Being a member of a qualifying organization is a good way to get lower rates on your next renewal.
  • Discount for New Cars – Buying insurance coverage on a new vehicle can get you a discount since newer vehicles have better safety ratings.
  • Distant Student Discount – Older children who live away from home to go to college and do not have a car can receive lower rates.
  • Passive Restraint Discount – Options like air bags or automatic seat belts could see savings as much as 30%.
  • Senior Citizen Discount – Drivers over the age of 55 could receive a small discount on rates on Durango coverage.
  • Data Collection Discounts – Drivers that enable their insurance company to analyze driving manner remotely like Drivewise from Allstate or In-Drive from State Farm could save a few bucks if they are good drivers.

Remember that most discount credits are not given to the entire cost. Most only reduce individual premiums such as physical damage coverage or medical payments. So when it seems like adding up those discounts means a free policy, you’re out of luck. Any amount of discount will cut the premium cost.

Large car insurance companies and a summarized list of policyholder discounts are:

  • Progressive policyholders can earn discounts including online quote discount, good student, multi-policy, online signing, multi-vehicle, and continuous coverage.
  • GEICO may offer discounts for air bags, military active duty, multi-policy, daytime running lights, five-year accident-free, driver training, and federal employee.
  • State Farm has discounts for good driver, passive restraint, Drive Safe & Save, good student, and driver’s education.
  • Esurance offers discounts including multi-car, Switch & Save, safety device, Pac-12 alumni, DriveSense, and homeowner.
  • The Hartford includes discounts for vehicle fuel type, bundle, good student, driver training, air bag, and defensive driver.

Check with every insurance company the best way to save money. Discounts may not be offered in your area. To find insurers who offer online car insurance quotes, click here to view.

It’s not one size fits all

When choosing the right insurance coverage, there really is not a perfect coverage plan. Everyone’s needs are different.

For instance, these questions may help you determine whether your personal situation could use an agent’s help.

  • Does my 2001 Dodge Durango need full coverage?
  • Is there coverage for injuries to my pets?
  • What are the financial responsibility laws in my state?
  • Do I have coverage for damage caused while driving under the influence?
  • Does coverage extend to Mexico or Canada?
  • Will my insurance pay for OEM parts?
  • If I drive on a suspended license am I covered?
  • Am I covered if I break a side mirror?
  • Am I covered if I crash into my own garage door?

If it’s difficult to answer those questions but a few of them apply, then you may want to think about talking to a licensed insurance agent. To find lower rates from a local agent, simply complete this short form. It’s fast, doesn’t cost anything and can provide invaluable advice.

Detailed coverages of your insurance policy

Knowing the specifics of your policy helps when choosing the right coverages and proper limits and deductibles. The terms used in a policy can be confusing and reading a policy is terribly boring.

Protection from uninsured/underinsured drivers

Uninsured or Underinsured Motorist coverage gives you protection when other motorists do not carry enough liability coverage. Covered losses include hospital bills for your injuries and also any damage incurred to your Dodge Durango.

Due to the fact that many drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Usually your uninsured/underinsured motorist coverages are identical to your policy’s liability coverage.

Collision coverage

Collision coverage pays for damage to your Durango from colliding with an object or car. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for things like backing into a parked car, damaging your car on a curb, crashing into a building, colliding with another moving vehicle and hitting a parking meter. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from older vehicles. Drivers also have the option to bump up the deductible in order to get cheaper collision rates.

Medical expense insurance

Med pay and PIP coverage pay for expenses for nursing services, chiropractic care and pain medications. The coverages can be used to fill the gap from your health insurance plan or if you lack health insurance entirely. Medical payments and PIP cover you and your occupants in addition to if you are hit as a while walking down the street. Personal injury protection coverage is not available in all states and gives slightly broader coverage than med pay

Comprehensive (Other than Collision)

Comprehensive insurance coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive insurance covers things like damage from flooding, theft, hitting a bird, damage from getting keyed and damage from a tornado or hurricane. The maximum amount your insurance company will pay is the ACV or actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.

Liability insurance

Liability coverage will cover damage that occurs to people or other property that is your fault. This coverage protects you from legal claims by others. It does not cover your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. You might see limits of 25/50/25 which means $25,000 bodily injury coverage, a total of $50,000 of bodily injury coverage per accident, and a limit of $25,000 paid for damaged property. Another option is one number which is a combined single limit which provides one coverage limit and claims can be made without the split limit restrictions.

Liability can pay for claims such as court costs, emergency aid, funeral expenses, medical expenses and repair costs for stationary objects. How much liability coverage do you need? That is a decision to put some thought into, but it’s cheap coverage so purchase as much as you can afford.

Be a money saver!

People leave their current company for any number of reasons including high rates after DUI convictions, delays in paying claims, denial of a claim and even being labeled a high risk driver. Whatever your reason, choosing a new insurance company can be pretty painless.

Lower-priced 2001 Dodge Durango insurance can be found on the web and from local agencies, so you need to quote auto insurance with both in order to have the best price selection to choose from. Some insurance companies may not provide the ability to get quotes online and these smaller companies work with independent agents.

We covered quite a bit of information on how to get a better price on 2001 Dodge Durango insurance. The key thing to remember is the more providers you compare, the better likelihood of getting low cost auto insurance. Consumers may even find the lowest priced insurance coverage comes from some of the lesser-known companies.

Much more information about insurance coverage is available below: