Cheaper 2005 Dodge Durango Insurance Quotes

High-priced Dodge Durango insurance can overdraw your family’s budget and maybe even restrict other spending. Price shopping at each renewal is an excellent way to ensure you are getting the best deal.

Due to the fact that there are so many options, it can be impossible to pick the lowest price insurance company.

How to buy insurance coverage

Shopping for lower insurance coverage rates can be exhausting if you don’t utilize the fastest way to get free quotes. You could spend your day talking about coverages with agents in your area, or you could use online quoting to get the quickest rates.

Many companies enroll in a system where prospective buyers enter their policy data once, and every company can provide price quotes for coverage. This eliminates the need for repetitive form submissions for every insurance coverage company. To compare rates now click here (opens in new window).

The single downside to doing it this way is that consumers can’t choose the insurers you want pricing from. If you wish to select from a list of companies for rate comparison, we have a page of low cost insurance coverage companies in your area. Click here to view list.

It’s up to you which method you use, but try to keep the exact same coverages for each quote you get. If you enter different data it will be impossible to make an equal comparison. Quoting even small variations in coverage limits may result in a large different in cost. And when quoting insurance coverage, remember that more quotes will increase your chances of finding a lower rate than you’re paying now.

Why you might not save $418 a year

Insurance companies such as Allstate, Geico and Progressive seem to constantly run television, radio, and online ads. All the companies make the same claim about how much you will save if you switch your policy. How do they all charge you a lower premium?

Insurance companies provide the lowest rates for the type of driver they prefer to insure. For instance, a profitable insured might have to be a married female, has no claims, and has a high credit rating. Any person that matches those criteria gets the lowest premium rates and as a result will probably save a lot if they switch.

Consumers who don’t measure up to these standards will have to pay higher premiums which usually ends up with the customer not purchasing. The ads say “people who switch” but not “everyone who gets a quote” can get the lowest rates when switching. That is how companies can lure you into getting a quote.

This really illustrates why you really need to compare quotes as often as possible. You cannot predict with any certainty which company will provide the lowest premium rates.

Insurance cost influencing factors

Many different elements are considered when quoting car insurance. Some are pretty understandable such as your driving record, but other criteria are less apparent like your continuous coverage or your vehicle rating.

  • Safer vehicles save money – Cars with five star safety ratings cost less to insure. Vehicles built for safety result in less severe injuries and better occupant protection means your insurance company pays less and thus lower rates. If the Dodge Durango is rated at least an “acceptable” rating on the Insurance Institute for Highway Safety website you may pay a lower rate.
  • Drive fewer miles and save – The more you drive in a year’s time the higher your rates will be. The majority of insurers calculate rates based on their usage. Cars not used for work or commuting get more affordable rates than those that get driven frequently. Verify your car insurance declarations sheet reflects how each vehicle is driven. Having the wrong rating on your Durango can cost quite a bit.
  • High comp and collision deductibles equal low rates – The deductibles you choose define how much you are willing to pay if a claim is determined to be covered. Physical damage insurance, also known as collision and other-than-collision, insures against damage to your car. Examples of covered claims would be collision with another vehicle, damage from fire, and damage from wind. The more you’re willing to pay, the less your car insurance will be on Durango insurance.
  • Do women or men drive better? – Over time, data shows females are less aggressive when driving. The data does not necessarily mean that females are better drivers. Both sexes tend to get into fender benders in similar percentages, but the men cause more damage. In addition to higher claims, males also get ticketed for serious violations like driving under the influence (DUI).
  • Alarms and GPS tracking lower rates – Choosing a vehicle with an alarm system can help lower your rates. Advanced theft deterrents like GM’s OnStar, tamper alarm systems and vehicle immobilizers can help prevent your vehicle from being stolen.
  • Better credit means lower prices – A driver’s credit score is a big factor in determining premium rates. People with excellent credit scores tend to be better drivers and file fewer claims than those with lower credit scores. Therefore, if your credit history leaves room for improvement, you could be paying less to insure your 2005 Dodge Durango if you clean up your credit.
  • Married drivers pay lower rates – Having a spouse helps lower the price on your car insurance bill. Having a spouse usually means you are more financially stable and statistics prove being married results in fewer claims.

Do you qualify for discount car insurance?

Car insurance is expensive, but discounts can save money and there are some available that could help you make your next renewal payment. Some trigger automatically at quote time, but some discounts are required to be inquired about before they will apply. If you are not receiving all the discounts available, you’re paying more than you need to.

  • Government Employees – Being employed by or retired from a federal job could cut as much as 10% off on Durango insurance but check with your company.
  • Safe Driver Discount – Insureds who avoid accidents may receive a discount up to 45% on Durango insurance than drivers with accident claims.
  • No Claims – Insureds who avoid accidents and claims have much lower rates as opposed to frequent claim filers.
  • Driver Safety – Taking part in a driver safety course could earn you a small percentage discount if you qualify.
  • Air Bag Discount – Factory air bags or automatic seat belts can get savings of 20 to 30 percent.
  • No Charge for an Accident – Not a discount per se, but some insurance companies will let one accident slide before your rates go up if your claims history is clear before the accident.
  • College Student Discount – who are attending college and do not have access to a covered vehicle can receive lower rates.
  • Switch and Save Discount – A few companies offer discounts for switching companies prior to the expiration date on your current policy. You may see this discount when you get auto insurance quotes online.

We need to note that some credits don’t apply to the overall cost of the policy. Most only apply to individual premiums such as physical damage coverage or medical payments. Despite the fact that it seems like you can get free auto insurance, company stockholders wouldn’t be very happy.

A few popular companies and a selection of discounts can be found below.

  • 21st Century offers discounts for early bird, theft prevention, teen driver, good student, and anti-lock brakes.
  • Progressive has savings for continuous coverage, multi-vehicle, homeowner, online quote discount, multi-policy, online signing, and good student.
  • State Farm includes discounts for Steer Clear safe driver discount, anti-theft, safe vehicle, defensive driving training, driver’s education, Drive Safe & Save, and student away at school.
  • Nationwide may have discounts that include good student, multi-policy, accident-free, family plan, Farm Bureau membership, and anti-theft.
  • Esurance offers discounts including homeowner, multi-car, anti-lock brakes, online quote, Pac-12 alumni, multi-policy, and anti-theft.
  • The Hartford may offer discounts for good student, anti-theft, air bag, driver training, and vehicle fuel type.

If you need lower rates, check with every prospective company the best way to save money. A few discounts might not apply in your area. If you would like to choose from a list of insurers that provide some of the discounts listed above, click this link.

What insurance coverages do I need?

When it comes to buying the right insurance coverage for your vehicles, there isn’t really a one size fits all plan. Coverage needs to be tailored to your specific needs so this has to be addressed. These are some specific questions can aid in determining whether you will benefit from professional help.

  • Does my car insurance cover rental cars?
  • What is high-risk coverage and where do I buy it?
  • Do I need special endorsements for business use of my vehicle?
  • When should my teen driver be added to my policy?
  • What if I total my 2005 Dodge Durango and owe more than it’s worth?
  • Is motorclub coverage worth it?

If you’re not sure about those questions but one or more may apply to you, you might consider talking to a licensed insurance agent. If you don’t have a local agent, fill out this quick form or you can go here for a list of companies in your area.

Specifics of your car insurance policy

Having a good grasp of your car insurance policy helps when choosing the right coverages for your vehicles. Policy terminology can be difficult to understand and coverage can change by endorsement. These are typical coverage types found on the average car insurance policy.

Auto liability

This coverage will cover damage that occurs to other’s property or people in an accident. This insurance protects YOU from legal claims by others, and does not provide coverage for your injuries or vehicle damage.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show liability limits of 100/300/100 that means you have a $100,000 limit per person for injuries, $300,000 for the entire accident, and a total limit of $100,000 for damage to vehicles and property. Another option is a combined limit that pays claims from the same limit with no separate limits for injury or property damage.

Liability insurance covers things such as repair costs for stationary objects, funeral expenses, loss of income, medical services and medical expenses. How much coverage you buy is your choice, but you should buy as much as you can afford.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This protects you and your vehicle’s occupants when the “other guys” do not carry enough liability coverage. Covered losses include hospital bills for your injuries as well as damage to your Dodge Durango.

Due to the fact that many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is important protection for you and your family. Usually these coverages are similar to your liability insurance amounts.

Collision coverage

Collision insurance will pay to fix damage to your Durango caused by collision with an object or car. A deductible applies then the remaining damage will be paid by your insurance company.

Collision coverage pays for claims like scraping a guard rail, sustaining damage from a pot hole, hitting a mailbox, crashing into a ditch and crashing into a building. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Drivers also have the option to choose a higher deductible in order to get cheaper collision rates.

Medical payments and PIP coverage

Medical payments and Personal Injury Protection insurance reimburse you for bills like EMT expenses, nursing services, prosthetic devices, pain medications and chiropractic care. The coverages can be used to fill the gap from your health insurance program or if you are not covered by health insurance. It covers all vehicle occupants and will also cover any family member struck as a pedestrian. PIP coverage is not available in all states but can be used in place of medical payments coverage

Comprehensive auto coverage

Comprehensive insurance pays for damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive coverage protects against claims such as fire damage, damage from a tornado or hurricane, a broken windshield and rock chips in glass. The maximum amount you’ll receive from a claim is the ACV or actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.

More quotes. Lower rates.

Lower-priced car insurance is available online and with local insurance agents, and you should compare price quotes from both in order to have the best chance of saving money. Some car insurance companies don’t offer the ability to get quotes online and usually these smaller providers only sell coverage through independent agencies.

In this article, we presented a lot of tips how to lower your 2005 Dodge Durango insurance auto insurance rates. The most important thing to understand is the more providers you compare, the better chance you’ll have of finding low cost auto insurance. You may be surprised to find that the most savings is with a small local company. They may cover specific market segments cheaper compared to the large companies like Allstate, Geico and Progressive.

Even more information can be found in the articles below: