Lower Your 2003 Dodge Durango Insurance Rates

Overpriced Dodge Durango insurance can empty your savings account and make it hard to pay other bills. Shopping your coverage around is free, only takes a few minutes, and is a good way to make sure you’re not throwing money away.

There is such a variety of car insurance companies to choose from, and though it is a good thing to have a selection, having more insurers makes it harder to compare company pricing.

It’s smart to do rate comparisons on a regular basis because rates change quite often. Just because you had the best price on Durango insurance a few years ago the chances are good that you can find a lower rate today. Ignore everything you know about auto insurance because you’re about to find out the quickest way to find better coverage at a better price.

Pricing cheaper auto insurance can be fairly easy. Basically, every driver who is required by state law to have auto insurance stands a good chance to be able to reduce their rates. Although vehicle owners must comprehend how the larger insurance companies price insurance differently because it can help you find the best coverage.

How to save on 2003 Dodge Durango insurance

Car insurance can cost a lot, but there are discounts available to help bring down the price. Certain discounts will be triggered automatically when you complete an application, but lesser-known reductions have to be manually applied before you get the savings.

  • Anti-lock Brake Discount – Vehicles equipped with ABS or steering control can avoid accidents and will save you 10% or more.
  • Use Seat Belts – Using a seat belt and requiring all passengers to buckle their seat belts can save 10% or more off the personal injury premium cost.
  • Multiple Cars – Having all your vehicles on one policy qualifies for this discount.
  • Accident Forgiveness – Some insurance companies will forgive one accident before hitting you with a surcharge as long as you don’t have any claims for a set time period.
  • Discounts for Safe Drivers – Insureds without accidents may receive a discount up to 45% less on Durango insurance than drivers with accidents.
  • Passive Restraints and Air Bags – Vehicles with factory air bags or motorized seat belts can qualify for discounts of up to 25% or more.
  • E-sign – Some insurance companies will discount your bill up to fifty bucks simply for signing over the internet.
  • Homeowners Discount – Owning a house may trigger a car insurance policy discount because of the fact that having a home shows financial diligence.
  • Distant Student – Kids in college who live away from home without a vehicle on campus can receive lower rates.

It’s important to understand that most discount credits are not given to the overall cost of the policy. The majority will only reduce the price of certain insurance coverages like comprehensive or collision. Just because it seems like you could get a free car insurance policy, it doesn’t quite work that way. But any discount will cut the cost of coverage.

Car insurance companies that may have these money-saving discounts are:

Double check with each insurance company what discounts are available to you. Savings may not be available everywhere.

How to Compare Insurance Coverage Costs

When shopping for insurance coverage there are multiple ways to compare quotes and find the best price. The simplest method to find the lowest 2003 Dodge Durango rates is to use the internet to compare rates. This is very easy and can be done in several different ways.

  1. The best way consumers can analyze rates is a comparison rater form (click to open form in new window). This method saves time by eliminating boring form submissions to each individual insurance coverage company. One form submission will get you rate comparisons direct from many companies.
  2. Another way to compare prices is spending the time to visit each company website to complete their respective quote request forms. For example, we’ll pretend you want to compare rates from Progressive, 21st Century and American Family. To get each rate you have to visit each site to input your insurance information, which is why the first method is quicker. For a handy list of car insurance company links in your area, click here.

Whichever method you choose, ensure you are comparing identical coverage limits and deductibles on every quote you get. If you use higher or lower deductibles you can’t possibly make a fair comparison for your Dodge Durango. Slightly different coverage limits may cause a big price difference. Just remember that obtaining a wide range of quotes helps you find lower pricing.

Dodge Durango rates are in the details

Consumers need to have an understanding of the factors that play a part in calculating your insurance coverage rates. Knowing what determines base rates enables informed choices that will entitle you to big savings.

  • Drive a safer car and pay less – Vehicles with high crash test scores tend to have better insurance rates. Safer cars result in less severe injuries and better occupant protection translates into savings for insurance companies passed on to you as lower rates. If your Dodge has ratings of a minimum four stars on Safercar.gov or an “acceptable” rating on iihs.org you may qualify for a discount.
  • Do you know your deductibles? – Physical damage deductibles represent how much money you are willing to pay in the event of a claim. Coverage for physical damage, otherwise known as comp (or other than collision) and collision, protects your car from damage. A few examples of covered claims could be colliding with a building, collision with an animal, and burglary. The higher the amount you have to pay, the less your insurance coverage will be on Durango insurance.
  • Males pay more for insurance – Statistics have proven women are more cautious behind the wheel. That doesn’t necessarily mean that women are BETTER drivers than men. Both sexes have accidents in similar numbers, but the men cause more damage. Men also statistically have more aggressive citations like DUI and reckless driving. Young males are the most expensive to insure and thus pay the highest rates.
  • Older drivers save more – Teenage drivers are statistically proven to get distracted easily when driving so insurance coverage rates are higher. Adding a young driver to your insurance coverage policy can be quite pricey. More mature drivers are more responsible, file fewer claims and receive fewer citations.
  • Multi-policy discounts can save money – Many insurance coverage companies provide better rates to customers who buy several policies from them. It’s known as a multi-policy discount. Discounts can be ten or even up to twenty percent in some cases. Even if you’re getting this discount you may still want to compare other company rates to confirm you are receiving the best rates possible. You may still find better rates by insuring with multiple companies.
  • Rural vs Urban Areas – Living in small towns and rural areas can save you money when insuring your vehicles. City drivers have traffic congestion and much longer commute distances. Less people living in that area means reduced accidents and also fewer theft and vandalism claims.
  • Rate your vehicle for proper use – The more you drive in a year the more you will pay for insurance coverage. Most insurance companies rate vehicles determined by how the vehicle is used. Cars that are left in the garage can get a lower rate compared to those used for work or business. Having the wrong rating on your Durango can result in significantly higher rates. Verify your insurance coverage policy shows the correct driver usage, because it can save money.
  • More claims means more premium – If you tend to file frequent claims, you can expect either a policy non-renewal or much higher rates. Insurance companies award cheaper rates to insureds who do not file claims often. Auto insurance is meant to be used in the event of the bigger claims that can’t be paid out-of-pocket.

Tailor your coverage to you

When choosing proper insurance coverage for your vehicles, there really is no “perfect” insurance plan. Coverage needs to be tailored to your specific needs so this has to be addressed. These are some specific questions may help you determine whether you would benefit from an agent’s advice.

  • Does my personal policy cover me when driving out-of-state?
  • Is my 2003 Dodge Durango covered for flood damage?
  • Can I still get insurance after a DUI?
  • When can I cancel my policy?
  • Do I have any recourse if my insurance company denies a claim?
  • Am I covered if I hit my neighbor’s mailbox?
  • Does my 2003 Dodge Durango qualify for pleasure use?
  • Is my vehicle covered by my employer’s policy when using it for work?
  • Can I drive in Mexico and have coverage?

If you can’t answer these questions, you might consider talking to a licensed agent. To find an agent in your area, take a second and complete this form or you can also visit this page to select a carrier

Car insurance coverage basics

Knowing the specifics of car insurance aids in choosing which coverages you need for your vehicles. Car insurance terms can be ambiguous and nobody wants to actually read their policy. Shown next are typical coverages offered by car insurance companies.

Medical costs insurance

Personal Injury Protection (PIP) and medical payments coverage reimburse you for expenses for things like ambulance fees, hospital visits and EMT expenses. 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 and also covers being hit by a car walking across the street. Personal injury protection coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage

UM/UIM Coverage

This coverage protects you and your vehicle’s occupants when other motorists either are underinsured or have no liability coverage at all. Covered losses include injuries to you and your family as well as your vehicle’s damage.

Since a lot of drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family. Normally the UM/UIM limits are identical to your policy’s liability coverage.

Auto collision coverage

Collision coverage pays for damage to your Durango from colliding with another car or object. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against claims such as sideswiping another vehicle, hitting a mailbox and crashing into a building. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are older. Drivers also have the option to bump up the deductible to get cheaper collision coverage.

Comprehensive or Other Than Collision

This coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against claims such as falling objects, damage from flooding, rock chips in glass and vandalism. The maximum payout your car insurance company will pay is the market value of your vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Auto liability insurance

This will cover damage that occurs to people or other property in an accident. It protects YOU against other people’s claims. Liability doesn’t cover your own vehicle damage or injuries.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see liability limits of 50/100/50 that translate to a limit of $50,000 per injured person, a total of $100,000 of bodily injury coverage per accident, and a total limit of $50,000 for damage to vehicles and property. Some companies may use one number which is a combined single limit which provides one coverage limit and claims can be made without the split limit restrictions.

Liability coverage pays for things like legal defense fees, bail bonds and loss of income. How much liability coverage do you need? That is a personal decision, but buy as large an amount as possible.

Saving money makes a lot of cents

As you shop your coverage around, you should never buy less coverage just to save a little money. There are a lot of situations where someone dropped comprehensive coverage or liability limits only to find out that they should have had better coverage. Your focus should be to buy enough coverage for the lowest price.

We just covered some good ideas how you can shop for 2003 Dodge Durango insurance online. The key thing to remember is the more times you quote, the better your comparison will be. Consumers may even find the biggest savings come from a company that doesn’t do a lot of advertising. They may only write in your state and offer lower rates compared to the large companies like Allstate and Progressive.

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