Lower Your 2002 Dodge Durango Insurance Cost

Want the cheapest insurance rates? Drivers have lots of choices when trying to find the best price on Dodge Durango insurance. You can either waste hours calling around to compare prices or save time using the internet to compare rates. There is a right way and a wrong way to buy insurance and you need to know the proper way to price shop coverage on a Dodge and locate the cheapest rates.

If you are insured now or need new coverage, you can use these techniques to shop for the lowest rates while maximizing coverage. This information will help you learn how to effectively get price quotes and some tips to save money. Drivers only need an understanding of the most effective way to get comparison quotes over the internet.

Are you getting every discount?

Auto insurance companies don’t always list all disounts very clearly, so the list below gives a summary of some of the more common as well as some of the hidden credits available to bring down your rates.

  • Accident-Free Discounts – Insureds who avoid accidents and claims can save substantially in comparison to frequent claim filers.
  • Discounts for Seat Belt Usage – Forcing all vehicle occupants to buckle up before driving may be able to save a few bucks on the premium charged for medical payments and/or PIP.
  • Student in College – Youth drivers who live away from home to go to college and leave their car at home could get you a discount.
  • Air Bag Discount – Options like air bags and/or automatic seat belt systems could see savings up to 30%.
  • Club Memberships – Participating in a professional or civic organization could trigger savings when shopping for insurance.

As a footnote on discounts, most of the big mark downs will not be given to the entire cost. Most only reduce the cost of specific coverages such as liability, collision or medical payments. So when it seems like you can get free auto insurance, companies wouldn’t make money that way. Any amount of discount will reduce your policy premiums.

A list of insurance companies and their offered discounts are included below.

  • GEICO has discounts for daytime running lights, good student, five-year accident-free, multi-policy, and air bags.
  • MetLife offers discounts for good student, multi-policy, accident-free, defensive driver, good driver, claim-free
  • Progressive may offer discounts for good student, homeowner, online signing, continuous coverage, multi-policy, and online quote discount.
  • Travelers offers discounts including payment discounts, IntelliDrive, continuous insurance, new car, multi-policy, driver training, and good student.
  • SAFECO offers premium reductions for safe driver, multi-car, accident prevention training, homeowner, and anti-theft.
  • AAA discounts include anti-theft, multi-policy, multi-car, pay-in-full, AAA membership discount, and good student.

Before purchasing a policy, check with each company or agent which discounts they offer. All car insurance discounts may not be offered everywhere. For a list of providers who offer cheap insurance quotes, click this link.

Which insurance is cheapest?

There are several ways to compare insurance prices and some are less labor-intensive and much quicker. You can waste a lot of time talking about coverages with agents in your area, or you could save time and use the web to get pricing more quickly.

Many companies take part in a program that enables customers to enter their policy data once, and every company can give them a price. This saves time by eliminating quotation requests to every company. To enter your information into the quoting system, click here to open in new window.

The single downside to pricing coverage this way is buyers cannot specifically choose which carriers to receive prices from. If you wish to select from a list of companies to compare prices, we have a listing of low cost insurance companies in your area. View list of insurance companies.

It’s up to you how you get prices quotes, just make darn sure you compare apples-to-apples coverages on every quote you get. If each company quotes different values for each quote you can’t possibly find the best deal for your Dodge Durango.

When in doubt talk to an agent

When choosing coverage, there isn’t really a perfect coverage plan. Every insured’s situation is different.

Here are some questions about coverages that could help you determine if you would benefit from professional advice.

  • Am I better off with higher deductibles on my 2002 Dodge Durango?
  • Why is insurance for a teen driver so high?
  • I don’t drive much so do I pay less?
  • Can I get a multi-policy discount?
  • Do I have coverage for damage caused while driving under the influence?
  • Do I have coverage when making deliveries for my home business?
  • Can my teen drive my company car?
  • Is my camper covered by my car insurance policy?
  • Should I put collision coverage on all my vehicles?

If you’re not sure about those questions but you know they apply to you, then you may want to think about talking to a licensed agent. To find an agent in your area, take a second and complete this form. It only takes a few minutes and can help protect your family.

Auto insurance 101

Knowing the specifics of insurance aids in choosing the best coverages and the correct deductibles and limits. The coverage terms in a policy can be confusing and coverage can change by endorsement.

Coverage for liability

Liability coverage protects you from damages or injuries you inflict on other’s property or people that is your fault. This insurance protects YOU against other people’s claims. It does not cover your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. Your policy might show values of 50/100/50 that means you have a $50,000 limit per person for injuries, a per accident bodily injury limit of $100,000, and a total limit of $50,000 for damage to vehicles and property.

Liability insurance covers things such as repair bills for other people’s vehicles, legal defense fees and funeral expenses. How much liability should you purchase? That is a personal decision, but you should buy as much as you can afford.

Uninsured/Underinsured Motorist (UM/UIM)

Uninsured or Underinsured Motorist coverage gives you protection when other motorists are uninsured or don’t have enough coverage. Covered losses include hospital bills for your injuries and damage to your 2002 Dodge Durango.

Because many people have only the minimum liability required by law, their limits can quickly be used up. So UM/UIM coverage is very important.

Med pay and Personal Injury Protection (PIP)

Med pay and PIP coverage reimburse you for short-term medical expenses like hospital visits, doctor visits, X-ray expenses and surgery. They are used to cover expenses not covered by your health insurance program or if you are not covered by health insurance. They cover you and your occupants and also covers getting struck while a pedestrian. Personal Injury Protection is not universally available but can be used in place of medical payments coverage

Comprehensive insurance

This covers damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive can pay for things such as hitting a deer, falling objects, a tree branch falling on your vehicle, rock chips in glass and theft. The maximum amount a insurance company will pay at claim time is the market value of your vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.

Collision protection

Collision coverage will pay to fix damage to your Durango resulting from a collision with another car or object. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against claims like crashing into a ditch, rolling your car, hitting a mailbox and crashing into a building. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from older vehicles. You can also raise the deductible in order to get cheaper collision rates.

Online plus local equals savings

In this article, we covered some good ideas how you can save on 2002 Dodge Durango insurance. The key concept to understand is the more companies you get prices for, the higher the chance of saving money. You may be surprised to find that the lowest premium rates come from a small local company.

People who switch companies do it for many reasons like unfair underwriting practices, policy cancellation, being labeled a high risk driver and even lack of trust in their agent. Regardless of your reason for switching companies, switching insurance coverage companies can be less work than you think.

Budget-friendly insurance coverage is possible on the web and also from your neighborhood agents, and you should compare rates from both in order to have the best chance of saving money. Some insurance coverage companies may not provide rate quotes online and most of the time these small, regional companies work with independent insurance agents.

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