View 2007 Dodge Durango Insurance Quotes

Are you burned out from sacrificing to pay insurance coverage each month? You are in the same boat as many other drivers.

Companies like Progressive, State Farm and Geico continually hit you with fancy advertisements and consumers find it hard to ignore the propoganda and take the time to shop coverage around.

Discount insurance rates

Buying insurance is not cheap, but you may qualify for discounts that you may not even know about. Certain credits will be shown when you quote, but lesser-known reductions have to be asked about prior to getting the savings.

  • Distant Student Discount – Older children who are enrolled in a college that is more than 100 miles from home and don’t have a car may be insured at a cheaper rate.
  • ABS Brakes – Cars, trucks, and SUVs that have steering control and anti-lock brakes can reduce accidents and the ABS can save up to 10%.
  • Government Employees – Employees or retirees of the government may qualify for a discount when you quote auto insurance on Durango insurance with some insurance companies.
  • Theft Deterent – Cars that have factory anti-theft systems help deter theft and therefore earn up to a 10% discount.
  • Pay Early and Save – By paying your entire bill at once instead of making monthly payments you may have a lower total premium amount.
  • Defensive Driving Course – Taking part in a driver safety course could earn you a small percentage discount and easily recoup the cost of the course.
  • Active Military Service – Having a deployed family member may lower your rates slightly.

Remember that many deductions do not apply to the entire policy premium. Most only cut the price of certain insurance coverages like physical damage coverage or medical payments. So even though you would think you can get free auto insurance, that’s just not realistic.

Popular insurance companies and the discounts they provide can be read below.

  • Geico offers discounts for daytime running lights, emergency military deployment, anti-lock brakes, multi-vehicle, membership and employees, multi-policy, and air bags.
  • MetLife may offer discounts for multi-policy, claim-free, good student, accident-free, defensive driver, good driver
  • State Farm has savings for safe vehicle, passive restraint, Steer Clear safe driver discount, multiple policy, and accident-free.
  • Progressive may include discounts for online quote discount, homeowner, multi-policy, multi-vehicle, good student, and continuous coverage.
  • Mercury Insurance may have discounts that include good student, multi-car, age of vehicle, multi-policy, location of vehicle, and type of vehicle.
  • 21st Century has discounts for teen driver, student driver, automatic seat belts, theft prevention, 55 and older, defensive driver, and anti-lock brakes.
  • Allstate offers discounts including FullPay discount, anti-theft, 55 and retired, new car, multi-policy, and resident student.

If you want affordable auto insurance quotes, ask every insurance company the best way to save money. Savings might not be available to policyholders in your area. If you would like to choose from a list of companies with the best discounts, click this link.

Affordable car insurance quotes

Comparing car insurance rates can take time and effort if you don’t utilize the easiest way. You can waste a few hours (or days) talking about coverages with local insurance agents in your area, or you could save time and use the internet to get pricing more quickly.

Many companies participate in a marketplace that enables customers to submit their information once, and every company then gives them pricing based on that data. This prevents consumers from doing quote forms to each company. To enter your information into the quoting system, click here to open in new window.

One minor caviat to using this type of form is that consumers can’t choose the providers you want to price. So if you prefer to choose specific insurance companies to compare prices, we have a listing of the cheapest car insurance companies in your area. Click here to view list.

Whichever way you use, be sure you’re using equivalent quote information with each company. If you have different values for each quote you will not be able to find the best deal for your Dodge Durango. Slightly different insurance coverages or limits could throw off the whole comparison. And when price shopping your coverage, comparing a wide range of rates will enable you to find a lower rate than you’re paying now. Not every company does quotes online, so it’s important to also get price estimates from the smaller companies as well.

How do insurance providers determine Dodge Durango insurance costs?

Many factors are taken into consideration when you get a price on insurance. Some are obvious such as your driving record, but some are more transparent like your vehicle usage and annual miles driven.When buying auto insurance it’s important to understand some of the elements that play a part in calculating the level of your policy premiums. If you have some idea of what influences your rates, this enables informed choices that could help you find much lower annual insurance costs.

  • Avoid traffic tickets – Good drivers pay less for auto insurance than bad drivers. Even one speeding ticket or other violation may increase your cost by twenty percent. Drivers who have serious tickets like reckless driving or DUI may face state-mandated requirements to maintain a SR-22 with their state DMV in order to prevent their license from being revoked.
  • Stress out and pay more – Jobs like fire fighters, executives and emergency personnel are shown to have higher rates than average in part from high stress and lengthy work days. Conversely, jobs like scientists, historians and performers get better rates on Durango insurance.
  • Deter theft and save money – Selecting a car model that has a built-in theft deterrent system can save you a little every year. Theft deterrent systems like GM’s OnStar, tamper alarm systems and vehicle immobilizers all help prevent car theft.
  • Rural vs Urban Areas – Residing in small towns and rural areas has it’s advantages when insuring your vehicles. Fewer people translates into fewer accidents and a lower car theft rate. Drivers who live in large cities have more road rage incidents and a longer drive to work. More time behind the wheel means more chance of being in an accident.
  • Only buy extra policy coverages you need – Insurance companies have many extra coverages that sound like a good idea at the time if you aren’t diligent. Things like replacement cost coverage, accident forgiveness, and extra life insurance coverage are some examples. They may seem good when you first buy your policy, but if you have no use for them eliminate the coverages to reduce your premium.
  • Liability protection preserves assets – Your auto insurance policy’s liability coverage will protect you in the event that you are responsible for an accident. This coverage provides you with a defense in court starting from day one. It is affordable coverage compared to insuring for physical damage coverage, so buy as much as you can afford.
  • Use one insurance company and save – Lots of insurers apply a discount for people who buy several policies from them such as combining an auto and homeowners policy. If you currently are using one company, you still need to comparison shop to confirm you are receiving the best rates possible. You may still be able to save even more than the discount by buying insurance from more than one company.
  • High coverage deductibles reduce prices – The deductibles you choose tell how much you are willing to pay if the claim is covered. Insurance for physical damage to your car, also called ‘full coverage’, covers damage that occurs to your car. A few examples of covered claims could be collision with another vehicle, hail damage, and damage caused by road hazards. The more money the insured is willing to pay, the less your auto insurance will be on Durango insurance.

Tailor your insurance coverage coverage to you

When it comes to buying the right insurance coverage, there isn’t really a “best” method to buy coverage. Every situation is different so this has to be addressed. Here are some questions about coverages that may help you determine if you would benefit from professional advice.

  • Can my babysitter drive my car?
  • Can I rate high risk drivers on liability-only vehicles?
  • Does my 2007 Dodge Durango need full coverage?
  • I don’t drive much so do I pay less?
  • Is my trailer covered?
  • I have health insurance so do I need medical payments coverage?
  • Does my policy cover my teen driver if they drive my company car?
  • How much liability do I need to cover my assets?
  • Can I afford to buy a different vehicle if my 2007 Dodge Durango is totaled?
  • Is my custom paint covered by insurance?

If you’re not sure about those questions but you think they might apply to your situation, you might consider talking to a licensed agent. If you want to speak to an agent in your area, fill out this quick form or you can also visit this page to select a carrier

Can you really save $448 a year?

Geico, State Farm and Progressive constantly bombard you with ads on television and other media. All the ads convey the message about saving some big amount if you just switch your insurance coverage to their company. That’s great but how can every company give you a better price? It’s all in the numbers.

Most companies look for specific characteristics for the type of insured that earns them the most money. One example of a profitable risk profile might be described as between the ages of 30 and 50, carries full coverage, and drives less than 5,000 miles a year. A driver that meets those criteria will probably get cheap prices and is almost guaranteed to save money with a new company.

Drivers who don’t meet those standards may receive a higher rate and the customer buying from a different company. If you pay close attention to the ads, they say “customers who switch” but not “everyone who gets a quote” save that much. That is how insurance companies can state the savings.

Because of the profiling, you need to compare free auto insurance quotes often. Because you cannot predict which insurance companies will have the best car insurance rates at this point in time.

Parts of your auto insurance policy

Learning about specific coverages of auto insurance helps when choosing appropriate coverage and the correct deductibles and limits. The coverage terms in a policy can be confusing and nobody wants to actually read their policy. Below you’ll find typical coverages found on the average auto insurance policy.

Comprehensive coverage (or Other than Collision) – This coverage pays to fix your vehicle from damage that is not covered by collision coverage. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for claims like damage from a tornado or hurricane, hail damage and a tree branch falling on your vehicle. The highest amount your auto insurance company will pay is the actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Insurance for medical payments – Coverage for medical payments and/or PIP provide coverage for short-term medical expenses for things like hospital visits, chiropractic care, ambulance fees, prosthetic devices and pain medications. They are often used to fill the gap from your health insurance policy or if you lack health insurance entirely. Coverage applies to all vehicle occupants as well as being hit by a car walking across the street. Personal injury protection coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage

Liability auto insurance – Liability coverage protects you from damage that occurs to a person or their property by causing an accident. This insurance protects YOU against claims from other people, and does not provide coverage for damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see liability limits of 25/50/25 that translate to $25,000 bodily injury coverage, a limit of $50,000 in injury protection per accident, and a limit of $25,000 paid for damaged property. Some companies may use one limit called combined single limit (CSL) which combines the three limits into one amount and claims can be made without the split limit restrictions.

Liability coverage pays for things such as pain and suffering, attorney fees, court costs, legal defense fees and repair bills for other people’s vehicles. How much coverage you buy is a personal decision, but you should buy higher limits if possible.

Uninsured Motorist or Underinsured Motorist insurance – This coverage gives you protection when the “other guys” do not carry enough liability coverage. Covered claims include medical payments for you and your occupants and also any damage incurred to your Dodge Durango.

Since a lot of drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is important protection for you and your family. Usually your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.

Collision coverages – Collision coverage will pay to fix damage to your Durango caused by collision with another vehicle or an object, but not an animal. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against claims such as rolling your car, hitting a parking meter and colliding with another moving vehicle. Paying for collision coverage can be pricey, so you might think about dropping it from older vehicles. Drivers also have the option to increase the deductible to save money on collision insurance.

Be a money saver!

In this article, we covered a lot of techniques to save on 2007 Dodge Durango insurance. The key thing to remember is the more price quotes you have, the better your comparison will be. Consumers could even find that the lowest priced auto insurance comes from the smaller companies. They often have lower prices on specific markets than their larger competitors like Allstate and Progressive.

When you buy auto insurance online, make sure you don’t skimp on critical coverages to save a buck or two. There have been many cases where an accident victim reduced full coverage to discover at claim time that the small savings ended up costing them much more. Your focus should be to buy a smart amount of coverage at the best possible price while still protecting your assets.

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