Lower Your 2009 Dodge Durango Insurance Rates

Trying to find the cheapest insurance for a Dodge Durango can normally be an all-consuming task, but you can learn our auto insurance buying tips to make it easier.

There are more efficient ways to shop for auto insurance and you need to know the absolute fastest way to price shop coverage for your Dodge and obtain the best price possible from both online companies and local agents.

You should make it a habit to price shop coverage yearly because auto insurance rates go up and down regularly. Just because you had the best premium rates on Durango insurance a few years ago you can probably find a lower rate today. Ignore everything you know about auto insurance because you’re going to learn the tricks you need to know to find better rates and still maintain coverage.

You can change your insurance costs

A large part of saving on insurance is knowing the different types of things that help calculate the level of your policy premiums. If you know what positively or negatively impacts your premiums, this helps enable you to make changes that can earn you lower rates. Lots of things are used when pricing auto insurance. Some of the criteria are obvious such as your driving history, but other criteria are less apparent like your continuous coverage or your vehicle rating.

  • Getting married is a bonus – Walking down the aisle may cut your premiums on insurance. Having a significant other may mean you are more stable financially it has been statistically shown that married drivers get in fewer accidents.
  • Costs impacted by your city – Residing in less populated areas can be a good thing if you are looking for the lowest rates. Less people means reduced accidents and a lower car theft rate. Drivers in populated areas have to deal with much more traffic and more time behind the wheel. More time behind the wheel means higher likelihood of an accident.
  • Small coverages can add up – There are quite a few extra bells and whistles that sound like a good idea at the time if you aren’t diligent. Coverages like replacement cost coverage, accidental death, and term life insurance may not be needed and are just wasting money. They may seem like a good idea when deciding what coverages you need, but if they’re wasting money eliminate them to save money.
  • How do annual miles impact rates? – The higher the mileage driven every year the higher the price you pay to insure it. Most companies price each vehicle’s coverage based upon how much you drive. Cars that sit idle most of the time qualify for better rates as compared to vehicles used primarily for driving to work. Having the wrong rating on your Durango may be costing you higher rates. It’s always a good idea to double check that your insurance coverage is showing annual mileage, because it can save money.
  • Keep policy claims to a minimum – If you file a lot of claims you can expect increased rates or even have your policy non-renewed. Auto insurance companies award discounts to drivers who are not frequent claim filers. Auto insurance is intended for claims that pose a financial burden.
  • Vehicle theft costs us all – Driving a car with a theft deterrent system can help lower your premiums. Theft deterrent systems such as tamper alarm systems, vehicle immobilizer technology and General Motors OnStar can help prevent auto theft and help lower rates.
  • Save money by raising comp and collision deductibles – Physical damage protection, otherwise known as comp (or other than collision) and collision, covers your vehicle from damage. Examples of covered claims would be a windshield shattered by a rock, damage caused by hail, and damage from a fallen tree branch. Physical damage deductibles define how much the insured will be required to pay if a covered claim is submitted. The more expense you’re willing to pay, the lower your rates will be on Durango insurance.

The quickest way to compare rate quotes is to realize car insurance companies pay for the opportunity to give free rates quotes. All consumers are required to do is provide the companies a bit of rating information like your education level, whether you drive to work or school, driver details, and if you have a valid license. That information is submitted instantly to multiple different insurance companies and they provide comparison quotes almost instantly.

To compare rates now, click here and enter your zip code.

Cheap auto insurance rates with discounts

Insurance can be prohibitively expensive, but you may qualify for discounts that can help lower your rates. Many discounts should be triggered at the time of purchase, but lesser-known reductions have to be requested specifically before being credited.

  • Discount for Life Insurance – Insurance companies who offer life insurance give lower rates if you buy auto and life insurance together.
  • Professional Memberships – Belonging to a qualifying organization could trigger savings on auto insurance.
  • Multi-Vehicle Discounts – Having multiple vehicles on the same auto insurance policy may reduce the rate for each vehicle.
  • E-sign Discounts – A few companies may give you up to $50 for buying your policy on your computer.
  • Defensive Driver Discounts – Taking part in a driver safety class could save 5% or more if you qualify.

A quick disclaimer, many deductions do not apply to the entire cost. Most only apply to individual premiums such as liability and collision coverage. Despite the fact that it seems like all those discounts means the company will pay you, you aren’t that lucky.

Large auto insurance companies and some of their more popular discounts are detailed below.

  • American Family offers discounts including defensive driver, bundled insurance, accident-free, TimeAway discount, and air bags.
  • Farm Bureau offers discounts for youthful driver, multi-policy, renewal discount, 55 and retired, driver training, safe driver, and multi-vehicle.
  • State Farm may include discounts for defensive driving training, driver’s education, multiple autos, student away at school, Drive Safe & Save, accident-free, and Steer Clear safe driver discount.
  • Travelers policyholders can earn discounts including multi-car, IntelliDrive, good student, multi-policy, student away at school, and payment discounts.
  • The Hartford may have discounts that include vehicle fuel type, driver training, air bag, good student, defensive driver, anti-theft, and bundle.
  • GEICO has savings for driver training, seat belt use, federal employee, multi-policy, and military active duty.
  • Progressive includes discounts for multi-vehicle, multi-policy, good student, online signing, and continuous coverage.

If you want cheap insurance quotes, ask every prospective company which discounts they offer. Some of the earlier mentioned discounts might not be offered on policies in your area. To choose insurers who offer discounts, click here to view.

Tailor your insurance coverage to you

When buying proper insurance coverage for your vehicles, there really is no perfect coverage plan. Every situation is different.

These are some specific questions may help highlight if your insurance needs may require specific advice.

  • Will I be non-renewed for getting a DUI or other conviction?
  • Are my tools covered if they get stolen from my vehicle?
  • Is my nanny covered when driving my vehicle?
  • Should I buy full coverage?
  • What is UM/UIM insurance?
  • Does my medical payments coverage pay my health insurance deductible?

If it’s difficult to answer those questions but a few of them apply, you may need to chat with a licensed insurance agent. If you want to speak to an agent in your area, fill out this quick form. It’s fast, doesn’t cost anything and may give you better protection.

What car insurance coverages do you need?

Learning about specific coverages of your policy helps when choosing the best coverages and the correct deductibles and limits. Policy terminology can be difficult to understand and coverage can change by endorsement.

Comprehensive or Other Than Collision

This coverage pays to fix your vehicle from damage that is not covered by collision coverage. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against claims such as damage from a tornado or hurricane, theft, fire damage, damage from flooding and rock chips in glass. The highest amount your car insurance company will pay is the market value of your vehicle, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Medical costs insurance

Coverage for medical payments and/or PIP provide coverage for short-term medical expenses such as doctor visits, dental work, X-ray expenses, prosthetic devices and nursing services. They are often used in conjunction with a health insurance policy or if you lack health insurance entirely. It covers both the driver and occupants in addition to any family member struck as a pedestrian. PIP is not available in all states and may carry a deductible

UM/UIM Coverage

This protects you and your vehicle’s occupants from other motorists when they either have no liability insurance or not enough. It can pay for medical payments for you and your occupants and also any damage incurred to your 2009 Dodge Durango.

Since many drivers only purchase the least amount of liability that is required, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Frequently these limits are identical to your policy’s liability coverage.

Collision coverage protection

This pays for damage to your Durango caused by collision with a stationary object or other vehicle. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers things like backing into a parked car, crashing into a ditch, sideswiping another vehicle, colliding with another moving vehicle and scraping a guard rail. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are older. You can also increase the deductible to save money on collision insurance.

Liability insurance

Liability coverage can cover injuries or damage you cause to other’s property or people that is your fault. This coverage protects you from legal claims by others. Liability doesn’t cover damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see liability limits of 100/300/100 which means $100,000 bodily injury coverage, a total of $300,000 of bodily injury coverage per accident, and a total limit of $100,000 for damage to vehicles and property. Some companies may use one number which is a combined single limit which provides one coverage limit with no separate limits for injury or property damage.

Liability insurance covers claims like loss of income, repair costs for stationary objects and legal defense fees. How much coverage you buy is a decision to put some thought into, but it’s cheap coverage so purchase higher limits if possible.

Coverage on a shoestring budget

Consumers leave their current company for any number of reasons including policy cancellation, questionable increases in premium, delays in responding to claim requests and even unfair underwriting practices. Regardless of your reason, finding a great new company is pretty easy and you might even save some money in the process.

As you go through the steps to switch your coverage, do not skimp on critical coverages to save a buck or two. There are too many instances where an insured dropped physical damage coverage to discover at claim time that they should have had better coverage. Your focus should be to buy the best coverage you can find at an affordable rate, but do not skimp to save money.

We just showed you many tips how you can reduce 2009 Dodge Durango insurance prices online. The most important thing to understand is the more rate comparisons you have, the better your comparison will be. Consumers may even find the most savings is with the least-expected company.

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