Cheap 2008 Dodge Durango Car Insurance Rates

Pretty sure you bought an expensive insurance policy? You’re in good company because you’re not alone.

Lots of insurers contend to insure your vehicles, and it can be difficult to compare rates and get the best coverage at the lowest rate possible.

Smart consumers take time to quote other rates yearly because prices are rarely the same from one policy term to another. Just because you had the best rates on Durango coverage six months ago there may be better deals available now. Block out anything you think you know about insurance because we’re going to demonstrate one of the easiest ways to save money, get proper deductibles and limits, all at the lowest rate.

Where can I get the cheapest car insurance?

Effectively comparing car insurance prices can be challenging if you aren’t aware of the easiest way. You can waste a lot of time discussing policy coverages with insurance agencies in your area, or you could save time and use online quoting for quick rates.

Most of the best insurance companies belong to a marketplace where insurance shoppers submit one quote, and each participating company returns a rated price based on that information. This eliminates the need for quote forms to each company. To access this free quoting program, click here to start a free quote.

The one disadvantage to pricing coverage this way is that consumers can’t choose which companies to get pricing from. If you would rather choose specific insurance companies to compare, we put together a list of car insurance companies in your area. Click to view list.

It’s up to you how you get prices quotes, just do your best to use the same deductibles and coverage limits for each quote you get. If you are comparing unequal deductibles or liability limits it will be impossible to determine which rate is truly the best. Even a minor difference in insurance coverages or limits could throw off the whole comparison. Keep in mind that comparing more quotes increases the change that you will find better pricing.

Can you really save if you switch?

Geico, State Farm and Progressive endlessly run ads on TV and radio. They all advertise the message about savings if you move to them. How is it possible that every company can charge you less for car insurance? It’s all in how they say it.

Most companies have underwriting criteria for the type of driver that earns them the most money. One example of this type of risk profile could possibly be married and over the age of 30, has other policies, and drives a vehicle with a low ISO rating. Anyone that matches those criteria will get low prices and as a result will probably save a lot if they switch.

Potential customers who are not a match for the ideal profile will get a more expensive rate and the customer buying from someone else. The ad wording is “drivers who switch” not “everyone that quotes” will save that much if they switch. That’s why insurance companies can state the savings.

This really emphasizes why drivers must get auto insurance quotes from several different companies. It’s just not possible to know which insurance companies will have the lowest premium rates for your situation.

Slash your insurance rates with discounts

Not too many consumers would say insurance is affordable, but you might already qualify for some discounts that can dramatically reduce your bill. Some trigger automatically when you purchase, but some may not be applied and must be manually applied before being credited.

  • Onboard Data Collection – Drivers who elect to allow their insurance company to look at their driving habits by using a telematics device in their vehicle such as Snapshot from Progressive or Drivewise from Allstate may see discounts if they have good driving habits.
  • Full Payment Discount – By paying your policy upfront rather than paying in monthly installments you can actually save on your bill.
  • College Student – Older children living away from home attending college and leave their car at home may be able to be covered for less.
  • No Claims – Drivers with accident-free driving histories get the best insurance rates compared to drivers who are more careless.
  • Paperwork-free – A handful of insurance companies provide a small discount for buying a policy and signing up digitally online.
  • Theft Deterent Discount – Anti-theft and alarm system equipped vehicles are stolen less frequently and will qualify for a discount on a auto insurance quote.
  • Discounts for Safe Drivers – Accident-free drivers can pay as much as 50% less on Durango coverage than less cautious drivers.
  • Sign Early and Save – Select insurance companies give a discount for switching companies before your current policy expires. It’s a savings of about 10%.
  • Seat Belt Discounts – Drivers who require all vehicle occupants to buckle up before driving may be able to save a few bucks on medical payment and PIP coverage.

A little note about advertised discounts, some credits don’t apply to the overall cost of the policy. A few only apply to specific coverage prices like medical payments or collision. So when it seems like all the discounts add up to a free policy, companies don’t profit that way.

To see providers who offer insurance discounts, click here to view.

You are unique and your insurance coverage should be too

When buying adequate coverage for your vehicles, there really is not a perfect coverage plan. Coverage needs to be tailored to your specific needs so your insurance should reflect that These are some specific questions may help you determine if you would benefit from professional advice.

  • Can I afford to buy a different vehicle if my 2008 Dodge Durango is totaled?
  • Does my policy pay for OEM or aftermarket parts?
  • Do I really need UM/UIM coverage?
  • Do I need medical payments coverage since I have good health insurance?
  • How much underlying liability do I need for an umbrella policy?
  • Am I covered when driving someone else’s vehicle?
  • Is borrowed equipment or tools covered if stolen or damaged?
  • How much liability do I need to cover my assets?
  • Is my Dodge Durango covered if I use it for business?

If you can’t answer these questions but one or more may apply to you, you might consider talking to 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

Specific coverage details

Understanding the coverages of your car insurance policy aids in choosing the right coverages for your vehicles. The terms used in a policy can be confusing and coverage can change by endorsement. Below you’ll find typical coverage types found on the average car insurance policy.

Comprehensive coverages

Comprehensive insurance coverage covers damage OTHER than collision with another vehicle or object. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for claims such as damage from getting keyed, fire damage and damage from flooding. The maximum payout a car insurance company will pay at claim time is the cash value of the vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Liability

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

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see policy limits of 100/300/100 that translate to a limit of $100,000 per injured person, a total of $300,000 of bodily injury coverage per accident, and $100,000 of coverage for damaged propery. Occasionally you may see a combined limit which limits claims to one amount rather than limiting it on a per person basis.

Liability coverage protects against claims such as medical expenses, bail bonds, loss of income, court costs and repair bills for other people’s vehicles. How much coverage you buy is a decision to put some thought into, but buy as large an amount as possible.

Uninsured and underinsured coverage

This provides protection from other drivers when they do not carry enough liability coverage. Covered losses include injuries to you and your family as well as damage to your Dodge Durango.

Since many drivers only carry the minimum required liability 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. Most of the time the UM/UIM limits are set the same as your liablity limits.

Collision coverage protection

This 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 can pay for claims such as crashing into a building, crashing into a ditch and driving through your garage door. Collision is rather expensive coverage, so consider removing coverage from older vehicles. You can also bump up the deductible to bring the cost down.

Coverage for medical payments

Med pay and PIP coverage pay for expenses like nursing services, X-ray expenses and doctor visits. They are often used to fill the gap from your health insurance program or if you are not covered by health insurance. It covers you and your occupants and also covers being hit by a car walking across the street. PIP coverage is not an option in every state and gives slightly broader coverage than med pay

A fool and his money are soon parted

We’ve covered a lot of information how to lower your 2008 Dodge Durango insurance premium rates. The key thing to remember is the more price quotes you have, the better chance you’ll have of finding affordable auto insurance. You may even find the lowest priced car insurance comes from a lesser-known regional company. These companies may cover specific market segments cheaper compared to the large companies like Allstate and Progressive.

Discount 2008 Dodge Durango insurance is available both online and from local insurance agents, so you should compare both to have the best rate selection. Some car insurance companies do not offer rates over the internet and many times these regional carriers only sell through independent agents.

When getting auto insurance quotes online, it’s not a good idea to reduce coverage to reduce premium. There are too many instances where someone dropped liability limits or collision coverage and found out when filing a claim that their decision to reduce coverage ended up costing them more. The goal is to buy enough coverage for the lowest cost while not skimping on critical coverages.

For more information, feel free to browse the following helpful articles: