Save on 2004 Dodge Durango Insurance Quotes

Want lower car insurance rates for your Dodge Durango? Feel like you’re a prisoner to an expensive car insurance policy? It’s quite common and there are many people just like you.

Due to the increasing number of options when it comes to car insurance, it can be challenging to pick a lower cost insurer.

How to buy insurance online

All the larger insurance companies make it easy to get pricing online. Doing online quotes is easy for anyone as you simply enter as detailed in the form. Once you submit the form, their system pulls your driving and credit reports and generates pricing information. Online price estimates simplifies rate comparisons, but the process of having to visit multiple sites and enter the same data into a form is repetitive and time-consuming. But it’s also necessary to have as many quotes as possible in order to get the best price possible.

There is a better way to compare rates

The preferred way to find lower prices uses one simple form to obtain quotes from many companies. It’s a real time-saver, requires much less work on your part, and makes online price comparison much easier. As soon as you send your information, it is quoted with multiple companies and you can pick any or none of the pricing results. If you find a better price you can click and sign and purchase coverage. The entire process can be completed in a matter of minutes and could lower your rates considerably.

If you want to compare rates now, click here to open in a new tab and submit your coverage information. If you have coverage now, it’s recommended you copy your coverages just like they are on your policy. This guarantees you will get rate comparison quotes based on the exact same insurance coverage.

Car insurance myths debunked

Well-known car insurance companies like State Farm and Allstate seem to constantly run ads in print and on television. All the ads say the same thing that drivers will save a bundle just by switching your car insurance coverage to their company. How can each company make almost identical claims? This is the trick they use.

Many companies give the best rates for the type of driver that earns them a profit. A good example of a driver they prefer may be over the age of 45, insures multiple vehicles, and the vehicle is rated for pleasure use. Any person who matches that profile will get low prices and most likely will save when switching.

Potential customers who don’t measure up to those criteria will be charged more expensive rates which translates to the prospect going elsewhere. The wording the ads use say “customers who switch” not “everyone that quotes” can save as much as they claim. That’s the way insurance companies can make claims that they all have the best prices. This illustrates why you need to do a price quote comparison at every renewal. Because without a comparison, you cannot know the company that will give you lower premium rates than your current company.

Why your insurance prices might be higher

Many factors are part of the calculation when you get your auto insurance bill. Some are pretty understandable like your driving record, but other criteria are not quite as obvious such as your credit history or how safe your car is.One of the most helpful ways to save on auto insurance is to to have a grasp of a few of the rating criteria that help determine your premiums. If you have some idea of what controls the rates you pay, this helps enable you to make changes that could result in lower rates.

  • Excellent credit equals lower costs – Having a bad credit rating factor in calculating your premium rate. Therefore, if your credit score is low, you could pay less to insure your 2004 Dodge Durango by repairing your credit. Consumers who have excellent credit tend to be more responsible and file fewer claims than drivers who have poor credit scores.
  • Job and insurance prices – Did you know your career choice can influence rates? Careers such as military generalspolice officers and dentists tend to have higher average rates because of intense work requirements and lengthy work days. On the flip side, jobs like scientists, athletes and performers generally pay rates lower than average on Durango insurance.
  • Know your vehicle’s safety rating – Cars with high safety ratings can get you lower premiums. These vehicles result in less severe injuries and better occupant protection translates into savings for insurance companies which can result in lower premiums.
  • Where you call home – Living in a small town has it’s advantages when trying to find low car insurance rates. Residents of big cities tend to have more aggressive driving styles and a longer drive to work. Fewer people corresponds to lower accident rates.
  • Amount of liability – Your policy’s liability coverage will afford coverage when a court rules you are at fault for damages caused by your negligence. Your liability coverage provides for a legal defense to defend your case. Liability insurance is quite affordable compared to insuring for physical damage coverage, so do not skimp.

Get cheaper rates by taking advantage of discounts

Some companies don’t always advertise their entire list of discounts in a way that’s easy to find, so we took the time to find a few of the more common and also the more inconspicuous discounts you could be receiving when you buy insurance coverage online.

  • Senior Citizens – If you qualify as a senior citizen, you may qualify for a small decrease in premiums on Durango insurance.
  • Homeowners Discount – Owning your own home or condo may earn you a small savings because it is proof that your finances are in order.
  • Renewal Discounts – A few insurance companies offer discounts for signing up prior to the expiration date on your current policy. This can save 10% or more.
  • Discounts for Government Workers – Simply working for the federal government could qualify for a slight premium decrease on Durango insurance but check with your company.
  • Discounts for Responsible Drivers – Insureds who avoid accidents can get discounts for up to 45% lower rates on Durango insurance as compared to drivers with claims.

Don’t be shocked that some of the credits will not apply to the entire policy premium. A few only apply to specific coverage prices like comprehensive or collision. So even though it sounds like you can get free auto insurance, that’s just not realistic. Any amount of discount will reduce your policy premiums.

Companies and a selection of discounts can be found below.

  • Progressive may have discounts that include continuous coverage, online quote discount, good student, multi-vehicle, multi-policy, homeowner, and online signing.
  • The Hartford offers discounts for good student, defensive driver, bundle, air bag, driver training, and anti-theft.
  • Mercury Insurance has savings for good student, professional/association, location of vehicle, accident-free, age of vehicle, multi-policy, and good driver.
  • Geico offers discounts including driver training, military active duty, federal employee, anti-theft, multi-policy, and good student.
  • AAA may include discounts for good student, good driver, anti-theft, multi-car, and AAA membership discount.
  • State Farm may offer discounts for good student, Steer Clear safe driver discount, driver’s education, anti-theft, and student away at school.

If you need lower rates, check with all the companies which discounts they offer. Discounts may not be available in your area.

How much insurance do I need?

When it comes to choosing the right insurance coverage for your personal vehicles, there really is no “perfect” insurance plan. Coverage needs to be tailored to your specific needs so your insurance needs to address that. For example, these questions may help highlight if your insurance needs could use an agent’s help.

  • Are my tools covered if they get stolen from my vehicle?
  • How much can I save by bundling my policies?
  • Can I get a multi-policy discount?
  • How high should deductibles be on a 2004 Dodge Durango?
  • Do I pay less for low miles?
  • Why do I need rental car insurance?
  • Will my rates increase for filing one claim?
  • When should I buy a commercial auto policy?
  • How high should my medical payments coverage be?
  • Is a new car covered when I drive it off the dealer lot?

If it’s difficult to answer those questions but one or more may apply to you then you might want to talk 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.

Insurance coverage specifics

Learning about specific coverages of your policy aids in choosing the best coverages at the best deductibles and correct limits. Policy terminology can be confusing and nobody wants to actually read their policy. Shown next are the normal coverages found on the average insurance policy.

Collision – This coverage pays to fix your vehicle from damage from colliding with a stationary object or other vehicle. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision can pay for claims like crashing into a building, sideswiping another vehicle, colliding with another moving vehicle, damaging your car on a curb and rolling your car. Collision coverage makes up a good portion of your premium, so you might think about dropping it from older vehicles. Drivers also have the option to bump up the deductible to bring the cost down.

Comprehensive insurance – This coverage will pay to fix damage from a wide range of events other than collision. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for claims like hail damage, vandalism, damage from a tornado or hurricane and rock chips in glass. The maximum amount you’ll receive from a claim is the actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.

Liability insurance – This will cover damages or injuries you inflict on other people or property in an accident. This insurance protects YOU against other people’s claims, and doesn’t cover damage to your own property or vehicle.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have values of 25/50/25 which means $25,000 bodily injury coverage, a total of $50,000 of bodily injury coverage per accident, and a total limit of $25,000 for damage to vehicles and property.

Liability coverage pays for things such as attorney fees, medical expenses, bail bonds, repair bills for other people’s vehicles and funeral expenses. How much liability should you purchase? That is your choice, but it’s cheap coverage so purchase as high a limit as you can afford.

Coverage for medical expenses – Coverage for medical payments and/or PIP pay for expenses for things like nursing services, ambulance fees and doctor visits. They can be used to fill the gap from your health insurance policy or if you are not covered by health insurance. It covers not only the driver but also the vehicle 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

Coverage for uninsured or underinsured drivers – Your UM/UIM coverage protects you and your vehicle when other motorists do not carry enough liability coverage. Covered losses include medical payments for you and your occupants and damage to your Dodge Durango.

Due to the fact that many drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. So UM/UIM coverage should not be overlooked.

Be a Smart Shopper

We just showed you quite a bit of information on how to save on 2004 Dodge Durango insurance. The key thing to remember is the more rate comparisons you have, the better your chances of lowering your prices. You may even discover the best price on auto insurance is with the least-expected company. Some small companies can often provide lower prices in certain areas than the large multi-state companies such as State Farm or Progressive.

There are still a few companies who may not have online rate quotes and many times these small, regional companies work with independent insurance agents. The cheapest 2004 Dodge Durango insurance is definitely available from both online companies as well as from insurance agents, and you need to price shop both to have the best selection.

Much more information about auto insurance can be read at the links below