Compare 2005 Dodge Durango Insurance Quotes

Searching for better car insurance rates for your Dodge Durango? Finding cheap car insurance over the internet can seem to be intimidating for beginners to buying insurance online. With so many companies in the marketplace, how can drivers have a chance to compare every company to locate the best pricing?

If you are paying for car insurance now, you stand a good chance to be able to lower your premiums substantially using these methods. This information will help educate you on how to get online quotes. Nevertheless, consumers do need to learn how insurance companies determine prices and take advantage of how the system works.

The best way we recommend to compare car insurance company rates is to know the fact auto insurance companies participate in online systems to compare their rates. The only thing you need to do is provide information like whether the vehicles are used for commuting, if you require a SR-22, if it has an anti-theft system, and your education level. That rating data is automatically sent to multiple companies and they return quotes with very little delay.

To start a quote now, click here and complete the quick form.

Save money by taking advantage of these discounts

Insuring your fleet can be pricey, buy you may qualify for discounts to reduce the price significantly. Some trigger automatically at quote time, but a few need to be asked about prior to getting the savings.

  • New Car Discount – Putting insurance coverage on a new car can save up to 30% due to better safety requirements for new cars.
  • Accident Free – Drivers with accident-free driving histories can save substantially when compared with drivers who are more careless.
  • Federal Employees – Employees or retirees of the government can save as much as 8% for Durango coverage with certain companies.
  • Defensive Driving Course – Taking part in a course in driver safety could save 5% or more if you qualify.
  • College Student – Kids in college who are attending college without a vehicle on campus may be able to be covered for less.
  • Air Bag Discount – Vehicles equipped with air bags or automatic seat belts can receive discounts of 20% or more.
  • Low Mileage – Fewer annual miles on your Dodge can earn lower rates on the low mileage vehicles.
  • Service Members Pay Less – Having a family member in the military could be rewarded with lower premiums.
  • Homeowners Discount – Being a homeowner may earn you a small savings due to the fact that maintaining a home shows financial diligence.
  • Anti-lock Brakes – Anti-lock brake equipped vehicles can avoid accidents and qualify for as much as a 10% discount.

Keep in mind that most of the big mark downs will not be given to the entire cost. Some only apply to the cost of specific coverages such as medical payments or collision. Just because you may think having all the discounts means you get insurance for free, companies wouldn’t make money that way. But any discount will cut the amount you have to pay.

To see a list of insurers with the best auto insurance discounts, follow this link.

When should I use an insurance agent?

When choosing the best insurance coverage, there really is not a “perfect” insurance plan. Everyone’s situation is unique.

For instance, these questions can help discover whether you could use an agent’s help.

  • Where can I find DUI or SR-22 insurance?
  • Is my Dodge Durango covered if I use it for business?
  • Am I covered when delivering products for my home-based business?
  • Should I sign the liability waiver when renting a car?
  • Where can I find high-risk insurance?
  • Does my policy cover me when driving someone else’s vehicle?
  • How can I find cheaper teen driver insurance?
  • Am I covered if hit by an uninsured driver?
  • Do I need rental car coverage?

If you’re not sure about those questions but one or more may apply to you then you might want to talk to a licensed agent. If you don’t have a local agent, complete this form.

Factors that can influence insurance rates for a Dodge Durango

Consumers need to have an understanding of the rating factors that come into play when calculating the rates you pay for insurance. When you know what positively or negatively impacts premium levels allows you to make educated decisions that may reward you with better insurance rates.

The list below includes a few of the “ingredients” companies use to determine rates.

  • Lower rates come with age – Young drivers tend to be less responsible when driving so insurance rates are higher. Having to add a teenage driver to your policy can break the bank. More mature drivers tend to be more responsible, tend to file fewer claims and tend to be better behind the wheel.
  • Liability coverage is cheap – Your policy’s liability coverage is the coverage that protects you when a jury decides you are liable for damages from an accident. It will provide legal defense up to the limits shown on your policy. Liability insurance is quite affordable as compared to coverage for physical damage, so do not cut corners here.
  • Don’t get talked into coverage you don’t need – There are quite a few add-on coverages that you can get tricked into buying if you aren’t careful. Insurance for rental car reimbursement, accidental death and membership fees are some examples. They may seem like a good idea when you first buy your policy, but your needs may have changed so eliminate the coverages to reduce your premium.
  • Do men or women drive better? – Statistics show women tend to be less risk to insure than men. However, this does not mean men are WORSE drivers than women. Men and women cause accidents at about the same rate, but the male of the species have costlier accidents. Men also tend to get cited for more serious violations like reckless driving and DUI. Youthful male drivers are the most expensive to insure and therefore are the most expensive to insure.
  • Safer cars cost less to insure – Vehicles with high crash test scores get lower rates. These vehicles result in less severe injuries and any reduction in injury severity means less money paid by your insurance company and thus lower rates. If your Dodge is rated at least an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website you are probably receiving a discount.
  • Never let your coverage lapse – Driving your car without having proper coverage is a misdemeanor and you will pay a penalty because you let your coverage have a gap. And not only will insurance be more expensive, but not being able to provide proof of insurance might get you a revoked license or a big fine.
  • Discounts for multiple policies – Many insurers will award you with lower prices to policyholders who buy several policies from them in the form of a multi-policy discount. Even with this discount, it’s still a good idea to compare rates to make sure you are getting the best deal. You may still find a better deal by splitting coverages up.
  • Keep rates low by being claim-free – If you are a frequent claim filer, you can definitely plan on either policy cancellation or increased premiums. Car insurance companies generally give better rates to drivers who file claims infrequently. Your insurance policy is intended for major claims that would cause financial hardship.

Advertising myths

Insurance companies such as State Farm, GEICO and Progressive consistently run ads on TV and radio. They all seem to have a common claim of big savings if you change to their company. How does each company claim to save you money? This is how they do it.

All companies have a certain “appetite” for the right customer they prefer to insure. A good example of a desirable insured could possibly be between the ages of 40 and 55, insures multiple vehicles, and drives less than 7,500 miles a year. A customer who meets those qualifications will get the preferred rates and is almost guaranteed to save quite a bit of money when switching.

Potential insureds who don’t meet this ideal profile will have to pay higher prices which leads to the customer not buying. The ad wording is “customers that switch” not “everyone that quotes” save money. That’s why companies can truthfully advertise the way they do.

Because of the profiling, it’s extremely important to get a wide range of price quotes. It’s just too difficult to predict which company will give you the biggest savings on Dodge Durango insurance.

Coverages available on your insurance policy

Understanding the coverages of insurance aids in choosing the best coverages for your vehicles. The terms used in a policy can be impossible to understand and reading a policy is terribly boring.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This coverage gives you protection from other motorists when they either are underinsured or have no liability coverage at all. Covered claims include hospital bills for your injuries as well as your vehicle’s damage.

Due to the fact that many drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage should not be overlooked. Normally these coverages are identical to your policy’s liability coverage.

Auto liability

Liability insurance provides protection from damage that occurs to other’s property or people that is your fault. It protects you against other people’s claims, and does not provide coverage for your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have limits of 50/100/50 which means a $50,000 limit per person for injuries, a limit of $100,000 in injury protection per accident, and property damage coverage for $50,000. Alternatively, you may have a combined single limit or CSL which provides one coverage limit and claims can be made without the split limit restrictions.

Liability coverage protects against things like funeral expenses, emergency aid and repair costs for stationary objects. The amount of liability coverage you purchase is your choice, but it’s cheap coverage so purchase higher limits if possible.

Medical payments and PIP coverage

Coverage for medical payments and/or PIP reimburse you for short-term medical expenses such as EMT expenses, ambulance fees, dental work and X-ray expenses. They are used to fill the gap from your health insurance policy or if you are not covered by health insurance. It covers not only the driver but also the vehicle occupants as well as getting struck while a pedestrian. Personal injury protection coverage is not available in all states but it provides additional coverages not offered by medical payments coverage

Collision coverage protection

Collision insurance pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. A deductible applies and then insurance will cover the remainder.

Collision insurance covers claims such as sideswiping another vehicle, hitting a mailbox and hitting a parking meter. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are 8 years or older. You can also increase the deductible to bring the cost down.

Comprehensive auto coverage

This coverage pays for damage OTHER than collision with another vehicle or object. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive insurance covers claims such as vandalism, a broken windshield, hitting a deer, hail damage and rock chips in glass. The maximum payout you’ll receive from a claim is the ACV or actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.

Make a quick buck

You just learned a lot of tips how to lower your 2005 Dodge Durango insurance rates. The key concept to understand is the more companies you get rates for, the better your chances of lowering your rates. You may even discover the most savings is with a smaller regional carrier.

When you buy insurance online, it’s very important that you do not skimp on coverage in order to save money. In many cases, consumers will sacrifice collision coverage to discover at claim time that the small savings ended up costing them much more. Your focus should be to get the best coverage possible at the best price while not skimping on critical coverages.

People switch companies for a variety of reasons including lack of trust in their agent, denial of a claim, not issuing a premium refund and policy non-renewal. Regardless of your reason, finding a great new company can be less work than you think.

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