Save on 2009 Dodge Durango Car Insurance Cost

Drivers have a choice when trying to find affordable Dodge Durango insurance. You can either spend your time contacting agents trying to get quotes or use the internet to make rate comparisons. There are more efficient ways to find insurance coverage online and you need to know the quickest way to get price quotes for a new or used Dodge and find the lowest possible price from both online companies and local agents.

It’s important to do rate comparisons before your policy renews since prices are rarely the same from one policy term to another. Even if you got the best quotes on Durango coverage a couple years back a different company probably has better rates today. You’ll find quite a bit of inaccurate information about insurance coverage online but we’re going to give you some great ideas on how to lower your insurance coverage rates.

Finding affordable coverage is easy if you know what you’re doing. If you have car insurance now, you will be able to save some money using this strategy. Drivers only need an understanding of the tricks to compare price quotes online.

What determines Dodge Durango insurance rates?

Lots of factors are used when quoting car insurance. Some are obvious like a motor vehicle report, but others are not as apparent such as your marital status or how financially stable you are.

  • Bundle and save – Most major insurers allow discounts to policyholders who carry more than one policy, otherwise known as a multi-policy discount. Even though this discount sounds good, drivers will still want to compare other insurance prices to ensure the best deal.
  • High coverage deductibles save money – The deductibles tell how much you are required to pay if the claim is covered. Coverage for physical damage, also known as collision and other-than-collision, covers damage that occurs to your car. Some coverage claims are colliding with a stationary object, vandalism, and damage caused by road hazards. The larger the amount the insured is willing to pay, the lower your rates will be on Durango coverage.
  • Cars with good safety ratings cost less to insure – Cars with five star safety ratings tend to have lower insurance rates. Highly rated vehicles protect occupants better and reduced instances of injuries means less money paid by your insurance company and more competitive rates for policyholders.
  • Prices impacted by vehicle usage – The more you drive in a year the more you’ll pay to insure your vehicle. Many insurance companies charge rates determined by how the vehicle is used. Cars that do not get driven very much qualify for better rates than those used for commuting. Having the wrong rating on your Durango can result in significantly higher rates. Ask your agent if your insurance coverage coverage properly reflects the right rating data.

Auto insurance companies offer many discounts

Not many people think insurance is cheap, but you may be missing some discounts that could drop your premiums quite a bit. Many of these discounts will be applied automatically at the time you complete a quote, but less common discounts must be inquired about prior to receiving the credit.

  • Waiver for an Accident – Not a discount per se, but companies like Allstate and Geico allow you one accident before they charge you more for coverage with the catch being you have to be claim-free for a particular time prior to the accident.
  • Discount for Low Mileage – Low annual miles can earn discounted auto insurancerates on garaged vehicles.
  • Air Bag Discount – Vehicles with factory air bags can get savings of 20% or more.
  • Active Service Discounts – Being deployed in the military may lower your prices slightly.
  • Payment Method – If you pay your entire premium ahead of time instead of monthly or quarterly installments you can actually save on your bill.
  • Bundled Policy Discount – If you insure your home and vehicles and place coverage with the same company you may save 10% to 20% off each policy.

Discounts reduce rates, but you should keep in mind that most credits do not apply to your bottom line cost. Most only cut specific coverage prices like liability, collision or medical payments. Just because you may think you could get a free auto insurance policy, insurance companies wouldn’t stay in business.

For a list of providers who offer online auto insurance quotes, click here to view.

Ads can be misleading

Drivers can’t get away from ads that claim the lowest car insurance rates by companies like Allstate, Geico and Progressive. They all try to convey promises of big savings if you get a free insurance coverage quote and switch your auto insurance coverage to their company.

How does every auto insurance company make the same claim? It’s all in the words they use.

All companies provide the lowest rates for the type of driver that is profitable for them. A good example of a desirable insured might be described as a female over age 40, has other policies, and drives less than 5,000 miles a year. Any driver that fits those parameters receive the lowest rate quotes and as a result will probably save money with a new company.

Consumers who cannot meet the ideal profile will see more expensive rates and this can result in the customer not buying. The wording the ads use say “drivers who switch” not “everybody who quotes” save that much money. That is how companies can make claims that they all have the best premium rates. Because each company has a different risk profile, you absolutely need to do a rate comparison at every renewal. You cannot predict which insurance companies will have the best car insurance rates at this point in time.

Do I just need basic coverages?

When it comes to buying the right insurance coverage, there isn’t really a one size fits all plan. Your needs are not the same as everyone else’s.

Here are some questions about coverages that could help you determine if your insurance needs may require specific advice.

  • How much liability insurance is required?
  • Do I need replacement cost coverage on my 2009 Dodge Durango?
  • What is an SR-22 filing?
  • What is PIP insurance?
  • Can I get a multi-policy discount?
  • Exactly who is provided coverage by my policy?
  • Should I carry comprehensive and collision coverage?
  • Is there coverage for injuries to my pets?
  • Can my babysitter drive my car?

If it’s difficult to answer those questions, you might consider talking to an insurance agent. If you want to speak to an agent in your area, simply complete this short form. It’s fast, free and you can get the answers you need.

Coverages available on your policy

Knowing the specifics of a car insurance policy helps when choosing which coverages you need at the best deductibles and correct limits. The coverage terms in a policy can be ambiguous and even agents have difficulty translating policy wording.

Medical expense coverage

Medical payments and Personal Injury Protection insurance pay for short-term medical expenses like X-ray expenses, doctor visits, chiropractic care and dental work. They are used to fill the gap from your health insurance plan or if you are not covered by health insurance. Medical payments and PIP cover not only the driver but also the vehicle occupants in addition to being hit by a car walking across the street. PIP coverage is not an option in every state and may carry a deductible

Liability coverage

This coverage protects you from damage or injury you incur to people or other property that is your fault. This coverage protects you from claims by other people. It does not cover damage sustained by your vehicle in an accident.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have liability limits of 100/300/100 which means $100,000 bodily injury coverage, a total of $300,000 of bodily injury coverage per accident, and a limit of $100,000 paid for damaged property.

Liability coverage pays for things like repair bills for other people’s vehicles, repair costs for stationary objects, medical services, funeral expenses and loss of income. How much liability should you purchase? That is a personal decision, but consider buying higher limits if possible.

Coverage for collisions

This pays to fix your vehicle from damage resulting from a collision with an object or car. You will need to pay your deductible then your collision coverage will kick in.

Collision coverage pays for claims like crashing into a building, colliding with a tree and sideswiping another vehicle. This coverage can be expensive, so analyze the benefit of dropping coverage from lower value vehicles. It’s also possible to choose a higher deductible to save money on collision insurance.

Comprehensive protection

Comprehensive insurance will pay to fix damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive coverage protects against things such as damage from getting keyed, hail damage, a tree branch falling on your vehicle and vandalism. The maximum payout your car insurance company will pay is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Uninsured or underinsured coverage

Your UM/UIM coverage protects you and your vehicle when the “other guys” do not carry enough liability coverage. Covered claims include medical payments for you and your occupants as well as damage to your Dodge Durango.

Since a lot of drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. So UM/UIM coverage is important protection for you and your family.

Keep this in mind

Some companies do not provide online price quotes and many times these smaller companies only sell coverage through local independent agents. Budget-friendly car insurance can be found from both online companies and with local insurance agents, so compare prices from both to get a complete price analysis.

As you restructure your insurance plan, it’s not a good idea to buy less coverage just to save a little money. In too many instances, someone sacrificed uninsured motorist or liability limits only to find out that they should have had better coverage. Your strategy should be to buy a smart amount of coverage at the best cost but still have enough coverage for asset protection.

Throughout this article, we presented some good ideas how to lower your 2009 Dodge Durango insurance rates. The key concept to understand is the more companies you get auto insurance rates for, the better your chances of lowering your auto insurance rates. Drivers may discover the biggest savings come from the smaller companies.

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