Cheap 2007 Dodge Durango Insurance Quotes

Want the cheapest insurance coverage rates? Drivers have lots of choices when trying to find affordable Dodge Durango insurance. You can either spend your time calling around getting price quotes or save time using the internet to compare rates.

There is a right way and a wrong way to shop for insurance coverage and you need to know the proper way to price shop coverage on a Dodge and locate the lowest possible price.

This article will help you learn how to effectively get price quotes and some tips to save money. If you currently have a car insurance policy, you will be able to cut costs considerably using these techniques. Drivers just need to know the tricks to shop over the internet.

Are you getting all your discounts?

The price of auto insurance can be rather high, but there are discounts available to cut the cost considerably. Certain discounts will be applied at the time you complete a quote, but lesser-known reductions have to be requested specifically before they will apply. If you aren’t receiving every discount you deserve, you are paying more than you should be.

  • Multi-car Discount – Buying insurance for more than one vehicle on one policy may reduce the rate for each vehicle.
  • Use Seat Belts – Using a seat belt and requiring all passengers to use their safety belts can save up to 15% off your PIP or medical payments premium.
  • No Accidents – Good drivers with no accidents pay less when compared to frequent claim filers.
  • Student Driver Training – Have your child enroll in driver’s education if it’s offered in school.
  • No Charge for an Accident – Certain companies will allow you to have one accident before your rates go up as long as you don’t have any claims prior to the accident.
  • Payment Method – By paying your policy upfront instead of paying each month you could save up to 5%.
  • Safety Course Discount – Successfully completing a defensive driving course could save 5% or more depending on where you live.
  • Sign Early and Save – Select companies give a discount for switching policies prior to your current policy expiration. It can save you around 10%.

As a disclaimer on discounts, some credits don’t apply the the whole policy. A few only apply to individual premiums such as physical damage coverage or medical payments. So despite the fact that it appears you would end up receiving a 100% discount, it just doesn’t work that way. Any qualifying discounts will help reduce the cost of coverage.

To see a list of insurance companies offering insurance coverage discounts, click here to view.

How to Compare Auto Insurance Costs

There are a lot of ways to compare auto insurance prices but some are more efficient than others. You can waste a lot of time talking to insurance companies in your area, or you could save time and use the internet to quickly compare rates.

Most major companies participate in a marketplace where prospective buyers send in one quote, and every company returns a rated price based on that information. This system prevents you from having to do repetitive form submissions for every auto insurance company. To get comparison pricing now click here (opens in new window).

The one disadvantage to doing it this way is that consumers can’t choose the insurers to get pricing from. So if you prefer to pick from a list of companies to compare, we have assembled a list of auto insurance companies in your area. Click to view list.

Whichever way you use, make darn sure you compare exactly the same deductibles and coverage limits with each company. If you use unequal deductibles or liability limits it’s impossible to find the best deal for your Dodge Durango.

Parts of the Dodge Durango rate equation

Consumers need to have an understanding of some of the elements that go into determining the price you pay for insurance coverage. When you know what positively or negatively controls the rates you pay helps enable you to make changes that can help you get better insurance coverage rates.

Listed below are a partial list of the pieces that factor into your rates.

  • Add-on coverages can add up – There are quite a few additional coverages you can purchase on your 2007 Durango policy. Coverages like vanishing deductibles, better glass coverage and term life insurance may be costing you every month. They may seem good initially, but if they’re wasting money get rid of them and save.
  • Tickets mean higher rates – Your driving record has a huge affect on how much you pay. Even a single moving violation can increase rates by twenty percent. Good drivers have lower premiums than people who have multiple driving citations. Drivers who get severe violations like DWI, reckless driving or hit and run convictions may be required to submit a SR-22 form with their state DMV in order to drive a vehicle legally.
  • Keep rates low by being claim-free – Auto insurance companies give lower rates to people who do not file claims often. If you tend to file frequent claims, you can expect either higher rates or even cancellation. Insurance coverage is designed for larger claims.
  • Liability insurance protects assets – Liability coverage will protect you if you are found to be at fault for damages caused by your negligence. Liability provides legal defense which can be incredibly expensive. Carrying liability coverage is mandatory and cheap when compared with rates for comp and collision, so buy as much as you can afford.
  • Credit scores impact insurance coverage rates – Credit rating is a important factor in determining your rates. Drivers who have high credit scores tend to be better drivers and file fewer claims than drivers with lower credit scores. If your credit rating can use some improvement, you could pay less to insure your 2007 Dodge Durango by improving your rating.

When might I need an agent?

When buying coverage, there isn’t really a “perfect” insurance plan. Every insured’s situation is different.

Here are some questions about coverages that might help in determining whether your personal situation would benefit from professional advice.

  • Am I better off with higher deductibles on my 2007 Dodge Durango?
  • What companies insure drivers after a DUI or DWI?
  • Do I need medical payments coverage since I have good health insurance?
  • What is covered by UM/UIM coverage?
  • How many claims can I have before being cancelled?
  • When should I drop full coverage on my 2007 Dodge Durango?
  • What exactly is covered by my policy?
  • Am I covered if my car is in a flood?

If you’re not sure about those questions but one or more may apply to you then you might want to talk to an insurance agent. If you don’t have a local agent, fill out this quick form. It’s fast, doesn’t cost anything and can provide invaluable advice.

Don’t listen to company ads

Consumers can’t get away from ads for the lowest price auto insurance by Progressive, GEICO, Allstate and State Farm. They all say the same thing that you can save after switching to their company.

How can each company claim to save you money?

Insurance companies have a preferred profile for the driver that is profitable for them. For instance, a desirable insured could possibly be between 25 and 40, has no prior claims, and has a short commute. Any driver that hits that “sweet spot” is entitled to the best price and therefore will save when switching.

Potential insureds who are not a match for this ideal profile will be charged a higher premium which usually ends up with the driver buying from a lower-cost company. The ads say “people who switch” not “people who quote” save that kind of money. That’s why companies can make those claims.

That is why drivers must get quotes from several different companies. It is impossible to predict the company that will fit your personal profile best.

Insurance coverage considerations

Understanding the coverages of your insurance policy can help you determine appropriate coverage for your vehicles. Policy terminology can be difficult to understand and reading a policy is terribly boring.

Coverage for medical expenses – Coverage for medical payments and/or PIP kick in for immediate expenses for ambulance fees, hospital visits and rehabilitation expenses. They are often used in conjunction with a health insurance plan or if you are not covered by health insurance. Coverage applies to not only the driver but also the vehicle occupants in addition to getting struck while a pedestrian. PIP coverage is not universally available and gives slightly broader coverage than med pay

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

Since a lot of drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is important protection for you and your family. Normally these coverages are identical to your policy’s liability coverage.

Liability insurance – This provides protection from injuries or damage you cause to people or other property by causing an accident. It protects YOU from claims by other people, and doesn’t cover your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show liability limits of 25/50/25 which stand for $25,000 in coverage for each person’s injuries, a limit of $50,000 in injury protection per accident, and a total limit of $25,000 for damage to vehicles and property. Some companies may use a combined single limit or CSL which combines the three limits into one amount rather than limiting it on a per person basis.

Liability insurance covers claims such as pain and suffering, loss of income and legal defense fees. How much liability coverage do you need? That is your choice, but you should buy as high a limit as you can afford.

Collision coverage – This pays for damage to your Durango resulting 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 things such as crashing into a ditch, hitting a mailbox and colliding with another moving vehicle. This coverage can be expensive, so consider dropping it from vehicles that are 8 years or older. Drivers also have the option to bump up the deductible to bring the cost down.

Comprehensive insurance – Comprehensive insurance covers damage OTHER than collision with another vehicle or object. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive insurance covers things such as vandalism, damage from a tornado or hurricane, theft and falling objects. The maximum payout your insurance company will pay is the market value of your vehicle, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Better coverage you can count on

Cheap 2007 Dodge Durango insurance is definitely available online as well as from independent agents, and you need to comparison shop both to have the best chance of lowering rates. Some companies don’t offer you the ability to get quotes online and many times these small, regional companies only sell through independent insurance agents.

You just learned some good ideas how you can shop for insurance online. The most important thing to understand is the more times you quote, the better your chances of lowering your rates. Consumers may even find the biggest savings come from a company that doesn’t do a lot of advertising.

Insureds change insurance companies for any number of reasons including extreme rates for teen drivers, poor customer service, delays in paying claims or lack of trust in their agent. No matter why you want to switch, finding a new car insurance company can be pretty painless.

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