Compare 2006 Dodge Durango Car Insurance Rates

Having to pay for overpriced Dodge Durango insurance can drain your checking account and possibly require postponing other expenditures. Comparison shopping can help to slash your bill and have more diposable income.

Insurance companies such as GEICO, Progressive and Allstate promote their brand names with fancy advertisements and it is difficult to separate fact from fiction and find the best price available.

It is always a good idea to compare prices as often as possible because insurance prices go up and down regularly. Even if you got the best deal on Durango coverage at your last renewal you can probably find a better premium rate now. There is too much inaccurate information about insurance on the internet, but we’re going to give you some great ideas on how to quit paying high insurance rates.

If you have car insurance now, you will be able to reduce your rates substantially using this strategy. Choosing the best insurance company for you is easy if you know what you’re doing. But consumers do need to know the way companies market insurance on the web.

How to compare free insurance price quotes

When comparison shopping, there are several ways to compare rate quotes from lots of insurance companies. The recommended way to compare 2006 Dodge Durango insurance prices consists of shopping online. This can be accomplished in a couple of different ways.

  1. The most recommended method to find low rates is an all-inclusive rate comparison click here to open form in new window. This style of form keeps you from doing separate forms for every prospective company. Filling out one form gets you price quotes from insurance companies with the best prices.
  2. Another way to get quotes online requires a trip to the website of each company to complete their respective quote request forms. For instance, we’ll assume you want to see prices from Liberty Mutual, Progressive and American Family. To get rate quotes you would need to navigate to each company’s site and enter your policy data, which is why the first method is quicker.

    For a list of companies in your area, click here.

  3. If you have time to kill, the last method to get price estimates is making phone calls or going to insurance agencies in your area. Comparing online rate quotes can eliminate the need for a local agent unless you have a need for the professional assistance that you can only get from talking to an agent. However, consumers can comparison shop your insurance online and get advice from an agent in your area.

Whichever method you choose, make darn sure you compare nearly identical quote information with every price quote. If you use mixed coverages it will be impossible to find the best deal for your Dodge Durango. Just a small difference in coverage limits could throw off the whole comparison. It’s important to know that comparing more company’s prices will improve the odds of getting the best rates.

Get lower rates with these insurance discounts

Not many people think insurance is cheap, but discounts can save money and there are some available that can help lower your rates. Certain discounts will be applied at the time of quoting, but a few need to be inquired about before they will apply.

  • Homeowners Discount – Just owning your own home can save you money because of the fact that having a home is proof of financial responsibility.
  • Smart Student Discounts – A discount for being a good student could provide a savings of up to 20% or more. The discount lasts up until you turn 25.
  • Employee of Federal Government – Federal government employees could cut as much as 10% off on Durango coverage with select insurance companies.
  • Distant Student – who are enrolled in a college that is more than 100 miles from home and don’t have a car may qualify for this discount.
  • Telematics Data – Policyholders that allow data collection to analyze driving manner by using a telematics device in their vehicle such as Allstate’s Drivewise and State Farm’s In-Drive system could see a rate decrease if they exhibit good driving behavior.
  • ABS Braking Discount – Cars equipped with ABS or steering control can stop better under adverse conditions and will save you 10% or more.

While discounts sound great, it’s important to understand that most discount credits are not given to the entire cost. Most cut individual premiums such as comprehensive or collision. So even though it sounds like it’s possible to get free car insurance, companies wouldn’t make money that way. But all discounts will definitely reduce the amount you pay for coverage.

A few popular companies and some of the discounts are:

  • Farmers Insurance offers discounts including multi-car, distant student, business and professional, good student, pay in full, homeowner, and youthful driver.
  • Esurance may include discounts for good driver, defensive driver, multi-policy, Pac-12 alumni, homeowner, multi-car, and safety device.
  • State Farm offers premium reductions for multiple autos, Drive Safe & Save, safe vehicle, Steer Clear safe driver discount, driver’s education, accident-free, and good student.
  • GEICO has discounts for five-year accident-free, federal employee, multi-policy, driver training, emergency military deployment, and good student.
  • Allstate offers discounts for defensive driver, EZ pay plan discount, passive restraint, safe driver, utility vehicle, and teenSMART discount.

If you need lower rates, check with every prospective company to apply every possible discount. Some discounts listed above may not apply to policyholders in your area.

Quote Dodge Durango insurance for less

Multiple criteria are used in the calculation when premium rates are determined. Most are fairly basic like an MVR report, but other factors are more transparent like your continuous coverage and annual miles driven.Part of the insurance coverage buying process is learning some of the elements that aid in calculating your policy premiums. If you have some idea of what influences your rates, this helps enable you to make changes that could result in much lower annual insurance costs.

The factors shown below are a few of the “ingredients” that factor into your prices.

  • Accidents can be expensive – Drivers with clean records tend to pay less for car insurance than people who have multiple driving citations. Even one speeding ticket or other violation can increase rates forty percent or more. Drivers with careless violations like reckless driving, hit and run or driving under the influence may face state-mandated requirements to submit a SR-22 form with the DMV in their state in order to legally drive a vehicle.
  • Better prices for continuous insurance coverage coverage – Driving any period of time without insurance can get you a ticket and companies may charge more for letting your insurance lapse for non-payment. Not only will you pay more, not being able to provide proof of insurance could earn you fines and jail time.
  • Drive a safer car and pay less – Vehicles with good safety scores tend to have lower insurance rates. These vehicles reduce injuries and reduced instances of injuries translates into savings for insurance companies and lower rates for you.
  • Gender matters – Statistics show that men are more aggressive behind the wheel. However, don’t assume that females are better at driving than males. Both sexes are in at-fault accidents in similar numbers, but guys cause more damage. Men also statistically get cited for more serious violations like DUI and reckless driving.

Car insurance can get complicated

When buying the right insurance coverage, there isn’t really a cookie cutter policy. Every insured’s situation is different so your insurance should reflect that Here are some questions about coverages that can help discover if your situation might need an agent’s assistance.

  • How high should my uninsured/underinsured coverage be in my state?
  • Which is better, split liability limits or combined limits?
  • Is my vehicle covered by my employer’s policy when using it for work?
  • How much underlying liability do I need for an umbrella policy?
  • Do I have coverage when making deliveries for my home business?
  • I have health insurance so do I need medical payments coverage?

If you can’t answer these questions, you might consider talking to a licensed insurance agent. To find lower rates from a local agent, fill out this quick form or you can go here for a list of companies in your area.

Parts of your insurance policy

Having a good grasp of a insurance policy can help you determine the right coverages and proper limits and deductibles. Policy terminology can be difficult to understand and even agents have difficulty translating policy wording. Shown next are the normal coverages found on most insurance policies.

Uninsured/Underinsured Motorist coverage

This protects you and your vehicle from other drivers when they do not carry enough liability coverage. Covered claims include injuries to you and your family and also any damage incurred to your Dodge Durango.

Since many drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is a good idea.

Liability

Liability insurance provides protection from injuries or damage you cause to other people or property. It protects YOU against claims from other people. Liability doesn’t cover damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. You commonly see limits of 50/100/50 which means $50,000 in coverage for each person’s injuries, a limit of $100,000 in injury protection per accident, and $50,000 of coverage for damaged propery.

Liability coverage protects against claims like medical expenses, medical services, pain and suffering and attorney fees. How much coverage you buy is a decision to put some thought into, but you should buy as high a limit as you can afford.

Coverage for collisions

Collision insurance covers damage to your Durango resulting from a collision with an object or car. You will need to pay your deductible and then insurance will cover the remainder.

Collision coverage protects against claims like hitting a parking meter, scraping a guard rail, colliding with a tree, crashing into a building and rolling your car. Collision is rather expensive coverage, so you might think about dropping it from lower value vehicles. You can also increase the deductible in order to get cheaper collision rates.

Medical payments coverage and PIP

Coverage for medical payments and/or PIP pay for bills for things like chiropractic care, nursing services and X-ray expenses. They are used in conjunction with a health insurance policy or if you lack health insurance entirely. They cover not only the driver but also the vehicle occupants as well as getting struck while a pedestrian. PIP is not available in all states but it provides additional coverages not offered by medical payments coverage

Comprehensive coverage

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

Comprehensive can pay for things like damage from getting keyed, hail damage, theft, falling objects and rock chips in glass. The most you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.

Be Smart and Buy Smart

Budget-conscious 2006 Dodge Durango insurance can be purchased on the web in addition to many insurance agents, so you should compare both to get a complete price analysis. Some companies don’t offer the ability to get quotes online and many times these small, regional companies only sell coverage through independent agents.

As you prepare to switch companies, never buy poor coverage just to save money. There are many occasions where an insured cut comprehensive coverage or liability limits only to discover later that the few dollars in savings costed them thousands. The goal is to get the best coverage possible at the best cost and still be able to protect your assets.

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