2006 Dodge Durango Insurance Quotes – 7 Ways to Save

Cutting costs on car insurance can seem to be hard for beginners to comparing rates online. People have so many options that it can be more work than you anticipated to find the best price.

Smart consumers take time to compare rates quite often since rates are adjusted regularly by insurance companies. Even if you got the best price on Durango coverage six months ago you can probably find a lower rate today. You’ll find quite a bit of inaccurate information about car insurance on the internet, so with this article, you’re going to get some great ways to buy car insurance cheaper.

Insurance Coverage Comparisons

There are a variety of methods to shop for 2006 Dodge Durango insurance coverage, and some are less labor-intensive and much quicker. You could spend the better part of a day talking to agents in your area, or you could save time and use the web to get prices fast.

Many popular insurance companies belong to an insurance system that allows shoppers to enter their coverage request one time, and each participating company returns a competitive quote determined by their information. This eliminates the need for quote requests to each company.

To find out what other companies charge for 2006 Dodge Durango insurance click to open in new window.

The one downside to using this type of form is you can’t choose the providers you will receive quotes from. So if you prefer to choose from a list of companies to compare, we have assembled a list of companies who write insurance coverage in your area. Click to view list.

It’s up to you which method you use, but make darn sure you compare apples-to-apples coverages for every company. If the quotes have differing limits it will be very difficult to determine the best price for your Dodge Durango. Just a small difference in coverages may result in a large different in cost. And when price shopping your coverage, comparing a large number of companies gives you a better chance of getting the best offered rates.

Discounts are great for lower rates

Car insurance companies don’t necessarily list all their discounts very clearly, so we took the time to find both the well known and the more hidden discounts you could be receiving.

  • Student in College – Kids in college who attend school more than 100 miles from home and do not have access to a covered vehicle can be insured at a reduced rate.
  • Senior Discount – If you’re over the age of 55, you can possibly qualify for a discount up to 10% on Durango coverage.
  • Life Insurance – Select insurance companies reward you with better rates if you take out auto and life insurance together.
  • Military Discounts – Having a deployed family member could be rewarded with lower premiums.
  • More Vehicles More Savings – Buying coverage for multiple cars or trucks on one policy can get a discount on all vehicles.
  • Discount for Swiching Early – Select companies give a discount for buying a policy before your current expiration date. The savings is around 10%.
  • Drive Less and Save – Keeping the miles down on your Dodge can qualify you for better rates on cars that stay parked.

Keep in mind that some of the credits will not apply to your bottom line cost. Some only apply to the price of certain insurance coverages like liability, collision or medical payments. Even though it may seem like having all the discounts means you get insurance for free, companies wouldn’t make money that way.

To see a list of providers offering car insurance discounts, click this link.

You may need specialized coverage

When it comes to choosing adequate coverage, there really is no “best” method to buy coverage. Every insured’s situation is different.

Here are some questions about coverages that may help highlight whether you would benefit from professional advice.

  • When should I remove comp and collision on my 2006 Dodge Durango?
  • Does my personal policy cover me when driving out-of-state?
  • How much liability insurance is required?
  • Is my state a no-fault state?
  • Is business equipment covered while in my vehicle?
  • Are rock chip repairs covered?

If you don’t know the answers to these questions but you know they apply to you, you might consider talking to an agent. To find an agent in your area, complete this form.

Information about specific coverages

Learning about specific coverages of a car insurance policy aids in choosing the right coverages for your vehicles. Car insurance terms can be confusing and coverage can change by endorsement.

Protection from uninsured/underinsured drivers – This coverage provides protection when other motorists either have no liability insurance or not enough. Covered claims include injuries to you and your family and also any damage incurred to your Dodge Durango.

Since many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

Medical expense insurance – Coverage for medical payments and/or PIP pay for expenses for things like funeral costs, surgery, dental work and hospital visits. They are used in conjunction with a health insurance plan or if you lack health insurance entirely. Medical payments and PIP cover you and your occupants and also covers getting struck while a pedestrian. Personal Injury Protection is not an option in every state but it provides additional coverages not offered by medical payments coverage

Comprehensive (Other than Collision) – This coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers things like damage from a tornado or hurricane, rock chips in glass and theft. The most you’ll receive from a claim is the ACV or actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Collision coverage – Collision insurance will pay to fix damage to your Durango from colliding with another vehicle or an object, but not an animal. You have to pay a deductible and then insurance will cover the remainder.

Collision can pay for things such as rolling your car, damaging your car on a curb, driving through your garage door, crashing into a building and colliding with a tree. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are older. It’s also possible to raise the deductible in order to get cheaper collision rates.

Coverage for liability – This coverage provides protection from damage that occurs to a person or their property that is your fault. This coverage protects you from claims by other people. It does not cover damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show values of 100/300/100 which stand for $100,000 bodily injury coverage, a limit of $300,000 in injury protection per accident, and $100,000 of coverage for damaged propery.

Liability can pay for things like pain and suffering, attorney fees and court costs. How much liability should you purchase? That is a decision to put some thought into, but you should buy as much as you can afford.

The bottom line

Drivers change insurance companies for many reasons like lack of trust in their agent, denial of a claim, questionable increases in premium or policy non-renewal. It doesn’t matter what your reason, choosing a new company is actually quite simple.

While you’re price shopping online, it’s not a good idea to skimp on coverage in order to save money. Too many times, someone sacrificed uninsured motorist or liability limits to discover at claim time that a couple dollars of savings turned into a financial nightmare. Your focus should be to find the BEST coverage at an affordable rate, not the least amount of coverage.

We just presented a lot of ways to reduce 2006 Dodge Durango insurance prices online. The key concept to understand is the more times you quote, the higher your chance of finding lower rates. Drivers may discover the best prices are with the least-expected company.

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