2000 Dodge Durango Insurance Quotes – 7 Tricks for Best Rates

Want better insurance rates for your Dodge Durango? Having to pay for overpriced insurance can dwindle your budget, especially in this economy. Getting a rate comparison is free, only takes a few minutes, and is a good way to slash your bill and have more diposable income.

Due to the increasing number of insurance providers from which to choose, it can be challenging to pick the most cost effective insurer.

You should take the time to shop coverage around quite often because insurance prices are rarely the same from one policy term to another. If you had the lowest price on Durango insurance at your last renewal there may be better deals available now. You can search a lot of insurance online, but in a few minutes you can learn some guaranteed methods to lower your insurance premiums.

Car insurance companies offer many types of discounts

Car insurance can be pricey, but you might already qualify for some discounts that can drop the cost substantially. Some of these disounts will be visible when you get a quote, but some discounts are required to be asked about before being credited.

  • Renewal Discounts – Select companies give a discount for buying a new policy before your current coverage expires. It could save around 10% when you buy insurance coverage online.
  • Seat Belts Save – Drivers who require all vehicle occupants to buckle up could cut 10% or more off the personal injury premium cost.
  • Employee of Federal Government – Being employed by or retired from a federal job could provide a small rate reduction on Durango insurance with certain companies.
  • Telematics Discount – Drivers that enable companies to study vehicle usage by using a telematics device such as Progressive’s Snapshot could possibly reduce rates as long as the data is positive.
  • No Charge for an Accident – This isn’t a discount exactly, but a few companies such as Progressive and Allstate allow you one accident before your rates go up if your claims history is clear prior to the accident.
  • Bundled Policy Discount – If you combine your auto and homeowners policies and insure them both with the same insurance company you may save over 10 percent off each policy depending on the company.
  • E-sign – Some of the larger companies give back up to $50 for buying a policy and signing up on the internet.

It’s important to understand that most discount credits are not given to all coverage premiums. Most only cut the cost of specific coverages such as medical payments or collision. Just because you may think you can get free auto insurance, that’s just not realistic.

Large car insurance companies and a partial list of their discounts are outlined below.

  • Farmers Insurance may have discounts that include business and professional, early shopping, alternative fuel, teen driver, and pay in full.
  • Esurance has savings for anti-theft, multi-policy, Pac-12 alumni, good driver, and Switch & Save.
  • State Farm offers discounts including driver’s education, Steer Clear safe driver discount, passive restraint, multiple autos, good driver, accident-free, and good student.
  • Geico offers premium reductions for anti-theft, multi-policy, air bags, military active duty, and multi-vehicle.
  • Allstate offers discounts for senior citizen, eSmart discount, premier discount, anti-theft, and economy car.

Check with all the companies which discounts you may be entitled to. A few discounts might not be offered in your area. To see insurers that can offer you the previously mentioned discounts, click here.

Do I just need basic coverages?

When it comes to choosing proper insurance coverage for your vehicles, there really is not a “best” method to buy coverage. Everyone’s needs are different so your insurance needs to address that. These are some specific questions might point out whether your personal situation might need an agent’s assistance.

  • When does my teenage driver need to be added to my policy?
  • Should I get collision insurance on every vehicle?
  • Can I afford to buy a different vehicle if my 2000 Dodge Durango is totaled?
  • Is my 2000 Dodge Durango covered for flood damage?
  • Is business equipment covered while in my vehicle?
  • Do I pay less if my vehicle is kept in my garage?

If you don’t know the answers to these questions then you might want to talk to an agent. If you want to speak to an agent in your area, fill out this quick form or click here for a list of car insurance companies in your area. It only takes a few minutes and may give you better protection.

Do drivers who switch really save?

Consumers can’t avoid all the ads that claim the cheapest prices from the likes of State Farm and Allstate. All the ads have a common claim that you’ll save big if you switch to them.

How does every auto insurance company claim to save you money? It’s all in the words they use.

Different companies require specific criteria for the type of customer that earns them the highest profit. For example, a driver they prefer may need to be a married female, owns their home, and drives a vehicle with a low ISO rating. A customer who matches that profile will probably get cheap rates and will pay quite a bit less when switching companies.

People who don’t measure up to the ideal profile will have to pay higher rates which results in the customer not buying. If you pay attention, the ads say “people that switch” but not “all drivers who get quotes” can save as much as they claim. That’s the way companies can state the savings. This really emphasizes why you absolutely need to get insurance coverage quotes from several different companies. It’s just too difficult to predict which company will fit you best based on your risk profile.

Insurance coverages explained

Knowing the specifics of insurance can help you determine appropriate coverage and the correct deductibles and limits. Policy terminology can be ambiguous and even agents have difficulty translating policy wording. Listed below are the normal coverages offered by insurance companies.

Insurance for medical payments

Medical payments and Personal Injury Protection insurance provide coverage for immediate expenses for things like EMT expenses, dental work, hospital visits and pain medications. They can be used to fill the gap from your health insurance program or if you lack health insurance entirely. Medical payments and PIP cover both the driver and occupants as well as being hit by a car walking across the street. PIP coverage is not an option in every state but can be used in place of medical payments coverage

Auto liability insurance

This can cover damages or injuries you inflict on other people or property that is your fault. Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show limits of 50/100/50 which means $50,000 in coverage for each person’s injuries, $100,000 for the entire accident, and property damage coverage for $50,000.

Liability coverage protects against claims like medical services, structural damage, medical expenses, court costs and emergency aid. How much coverage you buy is a personal decision, but buy higher limits if possible.

Auto collision coverage

Collision coverage will pay to fix damage to your Durango caused by collision with a stationary object or other vehicle. You will need to pay your deductible and then insurance will cover the remainder.

Collision can pay for things like colliding with a tree, backing into a parked car, sustaining damage from a pot hole and colliding with another moving vehicle. This coverage can be expensive, so consider dropping it from older vehicles. Drivers also have the option to raise the deductible to save money on collision insurance.

Uninsured Motorist or Underinsured Motorist insurance

This coverage gives you protection when other motorists either have no liability insurance or not enough. Covered losses include hospital bills for your injuries and also any damage incurred to your Dodge Durango.

Because many people 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 important protection for you and your family.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance covers damage that is not covered by collision coverage. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive can pay for claims like hail damage, theft and damage from getting keyed. The highest amount your insurance company will pay is the market value of your vehicle, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Final thoughts

In this article, we presented quite a bit of information on how to lower your 2000 Dodge Durango insurance premium rates. The most important thing to understand is the more price quotes you have, the better your comparison will be. You may even find the lowest premium rates come from an unexpected company. They often have lower prices on specific markets than the large multi-state companies such as State Farm or Progressive.

When getting insurance coverage quotes online, never buy lower coverage limits just to save a few bucks. There have been many cases where drivers have reduced physical damage coverage only to find out that the savings was not a smart move. Your objective should be to buy enough coverage at a price you can afford, but do not sacrifice coverage to save money.

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