2002 Dodge Durango Insurance Quotes

Tired of wondering where the money will come from to pay high insurance rates every month? You have the same problem as many other consumers.

Companies like Allstate and Progressive increase brand awareness with ads and it can be hard to avoid their marketing magic and take the time to shop coverage around.

If you currently have car insurance, you stand a good chance to be able to cut costs considerably using this strategy. Choosing the best insurance company for you is quite easy. Although drivers must comprehend how the larger insurance companies determine prices and take advantage of how the system works.

The quickest way to compare rate quotes is to know the fact most of the larger companies participate in a system to provide you with free rate quotes. The only thing you need to do is provide a little information like if it has an alarm system, if you have a valid license, how much you drive, and driver ages. Those rating factors is submitted instantly to many highly-rated insurers and you will receive price estimates quickly.

Auto Insurance Discounts

Insurance can be prohibitively expensive, but there could be significant discounts to cut the cost considerably. Certain discounts will be triggered automatically at the time of purchase, but less common discounts must be specially asked for before you will receive the discount.

  • Safety Course Discount – Passing a defensive driving course can save you 5% or more if your company offers it.
  • Telematics Devices – Policyholders that allow data collection to analyze where and when they drive by using a telematics device such as Snapshot from Progressive or Drivewise from Allstate could save a few bucks if they show good driving skills.
  • Anti-lock Brake System – Cars and trucks with ABS and/or traction control can reduce accidents so you can save 10 percent or more.
  • Save with a New Car – Buying coverage on a new vehicle is cheaper because new vehicles keep occupants safer.
  • Life Insurance Discount – Insurance carriers who offer life insurance give a discount if you purchase auto and life insurance together.
  • Paperwork-free – A handful of larger companies give back up to $50 get car insurance digitally online.
  • Senior Citizen Rates – Mature drivers can get a small discount on rates on Durango insurance.
  • Claim Free – Drivers who don’t have accidents can earn big discounts in comparison with accident-prone drivers.
  • Discount for Good Grades – This discount may save as much as 25% on a car insurance quote. The discount lasts up until you turn 25.

As is typical with insurance, many deductions do not apply to your bottom line cost. Most only apply to individual premiums such as physical damage coverage or medical payments. Even though the math looks like having all the discounts means you get insurance for free, it doesn’t quite work that way.

A partial list of companies that possibly offer these benefits may include but are not limited to:

When quoting, ask all companies you are considering what discounts are available to you. Discounts might not be offered in your state. To see a list of insurance companies with discount auto insurance rates, follow this link.

Smart consumers save every year

Consumers need to have an understanding of some of the elements that help calculate insurance coverage rates. When you know what positively or negatively influences your rates, this enables you to make decisions that could help you find lower insurance coverage prices. Multiple criteria are part of the equation when you get a price on insurance. Some factors are common sense such as traffic violations, but other criteria are less obvious such as your credit history or how safe your car is.

  • You may save more by consolidating policies – Some insurers allow discounts to policyholders who buy several policies from them such as combining an auto and homeowners policy. This can amount to five, ten or even twenty percent. If you currently are using one company, you still need to compare other company rates to guarantee you are still saving the most.There is a chance you can find a better deal by insuring with multiple companies.
  • Your job may affect rates – Do you work in a high-stress field? Jobs like military personnelair traffic controllers and stock brokers are shown to have higher rates than the rest of us attributed to high stress levels and lengthy work days. Other jobs like professors, engineers and retirees pay lower than average rates on Durango insurance.
  • Never let your insurance coverage policy expire – Driving with no insurance is against the law and your next policy will cost more because you let your coverage have a gap. And not only will insurance be more expensive, getting caught without coverage can result in fines or a revoked license.
  • Remove unneeded extra coverages – Insurance companies have many additional extra coverages that you can buy if you aren’t diligent. Add-on coverages like vanishing deductibles, accident forgiveness, and Farm Bureau memberships may be costing you every month. They may seem good when deciding what coverages you need, but your money might be better spent on other coverage so eliminate them to save money.
  • Too many insurance claims will drive insurance coverage rates up – If you tend to file frequent claims, you can pretty much guarantee increased rates or even have your policy non-renewed. Car insurance companies generally give discounts to drivers who are not frequent claim filers. Your insurance policy is designed for the bigger claims that can’t be paid out-of-pocket.
  • Accidents cost more than a fine – Your driving citation history impacts your car insurance rates tremendously. Good drivers get better prices as compared to careless drivers. Only having one speeding ticket or other violation can boost insurance rates forty percent or more. Drivers who have received careless violations such as DWI, reckless driving or hit and run convictions may face state-mandated requirements to file a proof of financial responsibility form (SR-22) with their state’s licensing department in order to prevent their license from being revoked.
  • Older drivers save more – Young drivers are statistically shown to be more careless when behind the wheel so they pay higher insurance coverage rates. Mature drivers are viewed as being more responsible, cost insurance companies less in claims and get fewer tickets.

Tailor your auto insurance coverage to you

When it comes to buying the right insurance coverage, there really is no best way to insure your cars. Every insured’s situation is different and a cookie cutter policy won’t apply. For instance, these questions might point out whether you could use an agent’s help.

  • Are my friends covered when driving my car?
  • Does my 2002 Dodge Durango qualify for pleasure use?
  • What is covered by UM/UIM coverage?
  • Is extra glass coverage worth it?
  • How do I file an SR-22 for a DUI in my state?
  • What is the minimum liability in my state?
  • What if I total my 2002 Dodge Durango and owe more than it’s worth?

If you’re not sure about those questions but you know they apply to you then you might want to talk to an insurance agent. If you want to speak to an agent in your area, simply complete this short form or go to this page to view a list of companies.

Insurance advertisements

Allstate, Geico and Progressive seem to constantly run television and radio advertisements. They all seem to advertise the message that drivers will save a bundle if you move your insurance coverage to their company. But how can every company claim to save you money?

Insurance providers quote their best rates for a prospective insured that will not have excessive claims. A good example of a preferred risk may need to be between the ages of 30 and 50, has no driving citations, and drives less than 5,000 miles a year. A propective insured who fits that profile will probably get the lowest car insurance rates and will also save quite a bit of money when switching.

Consumers who are not a match for the “perfect” profile will have to pay a higher premium which results in the customer not purchasing. If you listen closely, the ads state “people who switch” but not “all drivers who get quotes” can get the lowest rates when switching. That is how companies can truthfully make claims that they all have the best car insurance rates.

This really drives home the point why you should compare as many free car insurance quotes as you can. It’s just not possible to know which insurance company will give you the biggest savings.

Detailed coverages of your car insurance policy

Learning about specific coverages of a car insurance policy helps when choosing which coverages you need and the correct deductibles and limits. Car insurance terms can be impossible to understand and coverage can change by endorsement. Listed below are typical coverages found on the average car insurance policy.

Coverage for medical expenses

Personal Injury Protection (PIP) and medical payments coverage provide coverage for short-term medical expenses such as EMT expenses, X-ray expenses, pain medications and prosthetic devices. They are used to cover expenses not covered by your health insurance program or if you are not covered by health insurance. Medical payments and PIP cover all vehicle occupants as well as any family member struck as a pedestrian. PIP coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage

Liability car insurance

Liability coverage protects you from damage or injury you incur to people or other property by causing an accident. This coverage protects you from legal claims by others, and does not provide coverage for damage sustained by your vehicle in an accident.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see policy limits of 100/300/100 that translate to a $100,000 limit per person for injuries, a total of $300,000 of bodily injury coverage per accident, and a limit of $100,000 paid for damaged property. Some companies may use one limit called combined single limit (CSL) which combines the three limits into one amount with no separate limits for injury or property damage.

Liability coverage pays for claims such as repair bills for other people’s vehicles, pain and suffering, legal defense fees and bail bonds. How much coverage you buy is up to you, but buy higher limits if possible.

Coverage for collisions

Collision coverage will pay to fix damage to your Durango caused by collision with another car or object. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for claims such as hitting a mailbox, backing into a parked car, crashing into a ditch, colliding with another moving vehicle and driving through your garage door. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from older vehicles. You can also raise the deductible to save money on collision insurance.

Comprehensive car insurance

This pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers things such as hitting a bird, damage from a tornado or hurricane, hail damage and theft. The highest amount you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.

Coverage for uninsured or underinsured drivers

Uninsured or Underinsured Motorist coverage protects you and your vehicle from other drivers when they do not carry enough liability coverage. It can pay for injuries to you and your family and also any damage incurred to your Dodge Durango.

Because many people have only the minimum liability required by law, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Normally these coverages are identical to your policy’s liability coverage.

Save your hard earned cash

When trying to cut insurance costs, it’s a bad idea to skimp on coverage in order to save money. In too many instances, someone sacrificed collision coverage only to find out that saving that couple of dollars actually costed them tens of thousands. The aim is to purchase plenty of coverage for the lowest price, but do not sacrifice coverage to save money.

We covered a lot of tips how to lower your 2002 Dodge Durango insurance rates. The key thing to remember is the more times you quote, the higher the chance of saving money. Consumers could even find that the lowest rates are with the smaller companies. Regional companies often have lower car insurance rates on specific markets than the large multi-state companies such as Allstate and Progressive.

Some companies may not have online quoting small, regional companies work with local independent agencies. Discount 2002 Dodge Durango insurance can be purchased on the web as well as from independent agents, and you should compare rates from both in order to have the best chance of saving money.

Additional information can be read on the following sites: