Lower Your 2003 Dodge Durango Car Insurance Quotes

Do you think you bought high-priced insurance coverage? It’s quite common and many drivers feel the same as you. Insurance companies such as Allstate and Progressive increase brand awareness with advertising and consumers find it hard to ignore the flashy ads and effectively compare rates to find the best deal.

If you have insurance now or are looking for a new policy, you can use these tips to find the best rates and still get good coverage. Choosing the best insurance company for you is easy if you know what you’re doing. Consumers only need to know the tricks to buy insurance coverage over the internet.

Lower rate quotes with these discounts

Companies do not list the complete list of policy discounts very clearly, so the below list has both well-publicized as well as the least known discounts that may be available.

  • Anti-theft Discount – Vehicles that have factory anti-theft systems are stolen less frequently and therefore earn up to a 10% discount.
  • No Charge for an Accident – This one is not really a discount per se, but some companies like State Farm and Allstate will let one accident slide without the usual rate increase if you are claim-free for a specific time period.
  • Fewer Miles Equal More Savings – Keeping the miles down on your Dodge may enable drivers to earn substantially lower premium rates.
  • Service Members Pay Less – Being deployed with a military unit could be rewarded with lower premium rates.
  • Homeowners Discount – Simply owning a home can earn you a little savings since owning and maintaining a home requires a higher level of personal finance.
  • Defensive Driver Discounts – Passing a safe driver class can save you 5% or more and easily recoup the cost of the course.
  • Good Students Pay Less – Getting good grades can save 20 to 25%. Earning this discount can benefit you up to age 25.
  • 55 and Retired – Drivers over the age of 55 may receive a small discount on rates on Durango insurance.
  • Discounts for Seat Belt Usage – Forcing all vehicle occupants to use their safety belts can save 10% or more off the medical payments premium.

As a disclaimer on discounts, many deductions do not apply to your bottom line cost. Some only reduce specific coverage prices like medical payments or collision. So even though it sounds like you would end up receiving a 100% discount, companies wouldn’t make money that way. But any discount should definitely cut your insurance premiums.

Some of the larger companies that may include most of these discounts are:

Check with every company how many discounts you can get. Some credits may not apply to policies in your area. To see a list of companies who offer cheap insurance quotes, click here.

Insurance can be complex

When it comes to buying coverage for your vehicles, there isn’t really a one size fits all plan. Everyone’s situation is a little different and a cookie cutter policy won’t apply. These are some specific questions could help you determine whether you could use an agent’s help.

  • Can my babysitter drive my car?
  • Is business property covered if stolen from my car?
  • Am I covered when delivering products for my home-based business?
  • Does coverage extend to Mexico or Canada?
  • Will my rates increase for filing one claim?
  • Do I get a pro-rated refund if I cancel my policy early?

If it’s difficult to answer those questions but you know they apply to you, you may need to chat with a licensed agent. To find lower rates from a local agent, fill out this quick form or you can also visit this page to select a carrier It’s fast, doesn’t cost anything and can provide invaluable advice.

Learn about insurance coverages for a Dodge Durango

Knowing the specifics of a insurance policy can help you determine the best coverages and the correct deductibles and limits. Policy terminology can be impossible to understand and even agents have difficulty translating policy wording. Listed below are typical coverage types offered by insurance companies.

Collision coverage

Collision insurance covers damage to your Durango from colliding with an object or car. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for claims like hitting a parking meter, driving through your garage door, scraping a guard rail, damaging your car on a curb and crashing into a building. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from lower value vehicles. It’s also possible to raise the deductible to get cheaper collision coverage.

Comprehensive coverage (or Other than Collision)

This covers damage OTHER than collision with another vehicle or object. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for claims like hitting a deer, damage from a tornado or hurricane, hitting a bird and a tree branch falling on your vehicle. The maximum amount you’ll receive from a claim is the actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Liability coverages

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

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see policy limits of 100/300/100 which stand for a $100,000 limit per person for injuries, a total of $300,000 of bodily injury coverage per accident, and a total limit of $100,000 for damage to vehicles and property.

Liability coverage pays for things like court costs, repair bills for other people’s vehicles and medical expenses. How much liability coverage do you need? That is a personal decision, but it’s cheap coverage so purchase higher limits if possible.

Uninsured Motorist or Underinsured Motorist insurance

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when the “other guys” are uninsured or don’t have enough coverage. It can pay for injuries sustained by your vehicle’s occupants as well as damage to your Dodge Durango.

Due to the fact that many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. So UM/UIM coverage is a good idea.

Insurance for medical payments

Personal Injury Protection (PIP) and medical payments coverage pay for bills for X-ray expenses, pain medications, chiropractic care and doctor visits. They can be used in conjunction with a health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover both the driver and occupants and also covers any family member struck as a pedestrian. Personal Injury Protection is not universally available but it provides additional coverages not offered by medical payments coverage

Never pay more for less

When you buy insurance online, do not buy lower coverage limits just to save a few bucks. There have been many cases where consumers will sacrifice uninsured motorist or liability limits and discovered at claim time that their decision to reduce coverage ended up costing them more. Your goal is to buy the best coverage you can find at an affordable rate, but don’t skip important coverages to save money.

There are still a few companies who do not offer the ability to get a quote online and most of the time these small insurance companies only sell through independent insurance agencies. Lower-priced 2003 Dodge Durango insurance is definitely available online and from local agencies, and you should compare rates from both to get a complete price analysis.

Much more information about auto insurance is located on the following sites: