Cheaper 2000 Dodge Durango Insurance Quotes

Searching for the cheapest insurance rates for your Dodge Durango? Locating the cheapest insurance for a Dodge Durango could be a lot of work, but you can use these tips and make it easy.

There is a better way to shop for insurance so you’re going to learn the best way to price shop coverage for a Dodge and obtain the lowest possible price from local insurance agents and online providers.

Finding auto insurance

Performing a rate comparison can be a daunting task if you don’t utilize the fastest way to get free quotes. You can waste hours discussing policy coverages with insurance companies in your area, or you could save time and use online quoting to get pricing more quickly.

Many popular insurance companies belong to an insurance system that enables customers to enter their coverage request one time, and at least one company can provide price quotes based on that data. This system prevents you from having to do quote forms to each company.

To compare rates using this form now click here to open in new window.

The one downside to using this type of system is that consumers can’t choose which providers to get pricing from. So if you prefer to choose individual companies to compare, we have a listing of auto insurance companies in your area. Click here for list of insurance companies.

It’s up to you which method you use, but make sure you are using equivalent quote data for each price quote. If you are comparing different deductibles it will be impossible to determine the lowest rate for your Dodge Durango.

Brand name doesn’t guarantee savings

Consumers constantly see and hear ads that promise big savings for switching from the likes of State Farm and Allstate. They all seem to have a common claim about savings if you get a free insurance quote and switch your coverage to them.

That’s great but how can every company give you a better price? This is the trick they use.

Different companies offer their best rates for the type of driver that will add to their bottom line. One example of a profitable insured might have to be a mature driver, has no tickets, and chooses high deductibles. Anyone who fits that profile will get very good auto insurance rates and have a good chance to save when switching.

Drivers who do not meet the ideal profile will probably have to pay higher rates which usually ends up with the customer not purchasing. The ads say “drivers who switch” not “everyone that quotes” save that much when switching. That’s why insurance companies can confidently advertise the way they do.

Because each company has a different risk profile, you should do a rate comparison at every renewal. It is just not possible to predict the company that will have the best premium rates at this point in time.

Why your insurance rates might be higher

A large part of saving on auto insurance is knowing the rating factors that help calculate your policy premiums. If you understand what determines premiums, this enables you to make decisions that can earn you much lower annual insurance costs. Lots of factors are part of the calculation when premium rates are determined. Some of the criteria are obvious such as traffic violations, but other factors are less apparent such as your marital status and annual miles driven.

Listed below are some of the items that factor into your rates.

  • Do you need those incidental coverages? – Policies have optional add-on coverages that can add up on your Durango policy. Coverages like rental car reimbursement, towing coverage, and Farm Bureau memberships may not be needed and are just wasting money. The coverages may be enticing when talking to your agent, but if they’re wasting money eliminate the coverages to reduce your premium.
  • Being married can save on auto insurance – Your spouse actually saves money when shopping for auto insurance. Having a spouse means you’re more responsible and statistics prove married drivers tend to file fewer claims.
  • Limits of liability protection – The liability section of your policy kicks in when you are determined to be liable for causing damage or personal injury in an accident. This coverage provides legal defense to defend your case. Carrying liability coverage is mandatory and cheap compared to other policy coverages, so drivers should make sure they buy enough to cover all assets.
  • Lower premiums for safer vehicles – Safer cars can get you lower premiums. Highly rated vehicles protect occupants better and better occupant protection means less claims paid and thus lower rates. If the Dodge Durango has ratings of a minimum four stars on Safercar.gov or an “acceptable” rating on iihs.org you may qualify for a discount.
  • Higher deductibles are cheaper – The deductibles you choose tell how much you are required to spend out-of-pocket in the event of a claim. Insurance for physical damage to your car, also known as collision and other-than-collision, covers damage that occurs to your car. Examples of some claims that would be covered are rearending another vehicle, collision with a deer, or theft of your vehicle. The more you’re willing to pay, the less money you will pay for auto insurance for Durango coverage.
  • File a auto insurance claims and pay more – Auto insurance companies give cheaper rates to policyholders who only file infrequent claims. If you tend to file frequent claims, you can pretty much guarantee higher rates. Insurance coverage is intended to be relied upon for the large, substantial claims.
  • Multiple policies with one company can save – Most insurers apply lower prices to customers that purchase more than one policy such as combining an auto and homeowners policy. The discount can be five, ten or even twenty percent. If you currently are using one company, you may still want to compare rates to verify if the discount is saving money.

You may qualify for discounts

Companies don’t always publicize all available discounts very clearly, so below is a list a few of the more well known and the more hidden insurance savings. If you do not double check each discount possible, you’re just leaving money on the table.

  • Auto/Life Discount – Larger insurance carriers have a break if you buy a life policy as well.
  • Employee of Federal Government – Having worked for a branch of the government could provide a small rate reduction for Durango coverage with a few insurance companies.
  • Lower Rates for Military – Being deployed with a military unit could mean lower insurance rates.
  • Good Students Pay Less – Getting good grades may save you up to 25%. The discount lasts until age 25.
  • Anti-theft System – Anti-theft and alarm system equipped vehicles prevent vehicle theft so companies will give you a small discount.
  • Safety Restraint Discount – Drivers who require all occupants to buckle up can save up to 10 percent (depending on the company) off PIP or medical payments premium.
  • Anti-lock Brake System – Cars, trucks, and SUVs with ABS braking systems or traction control prevent accidents so you can save 10 percent or more.

Consumers should know that some credits don’t apply the the whole policy. Most only cut the price of certain insurance coverages like liability, collision or medical payments. So when it seems like you could get a free insurance policy, insurance companies wouldn’t stay in business.

If you would like to view providers that offer the discounts shown above, click this link.

There’s no such thing as the perfect insurance policy

When it comes to choosing coverage, there isn’t really a one size fits all plan. Each situation is unique.

Here are some questions about coverages that may help highlight if your insurance needs might need professional guidance.

  • Where can I find DUI or SR-22 insurance?
  • What is the difference between comprehensive and collision coverage?
  • How can I get my company to pay me more for my totalled car?
  • When should I not file a claim?
  • Am I covered if I drive in a foreign country?
  • How much liability do I need to cover my assets?

If you’re not sure about those questions then you might want to talk to an agent. If you want to speak to an agent in your area, complete this form. It’s fast, free and can provide invaluable advice.

Insurance coverages 101

Understanding the coverages of insurance can help you determine which coverages you need and proper limits and deductibles. The terms used in a policy can be difficult to understand and nobody wants to actually read their policy.

Auto collision coverage

This coverage covers damage to your Durango resulting from a collision with a stationary object or other vehicle. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for things like scraping a guard rail, sustaining damage from a pot hole, damaging your car on a curb, hitting a mailbox and sideswiping another vehicle. Collision is rather expensive coverage, so consider removing coverage from vehicles that are older. You can also raise the deductible in order to get cheaper collision rates.

Coverage for uninsured or underinsured drivers

This protects you and your vehicle when other motorists do not carry enough liability coverage. Covered losses include hospital bills for your injuries and damage to your Dodge Durango.

Since a lot of drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is a good idea. Most of the time your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.

Liability car insurance

This coverage provides protection from damages or injuries you inflict on people or other property in an accident. It protects YOU from legal claims by others. It does not cover damage to your own property or vehicle.

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. You might see values of 25/50/25 which means $25,000 in coverage for each person’s injuries, a total of $50,000 of bodily injury coverage per accident, and a limit of $25,000 paid for damaged property. Another option is a combined limit which limits claims to one amount without having the split limit caps.

Liability coverage pays for things like bail bonds, court costs and repair bills for other people’s vehicles. How much liability coverage do you need? That is your choice, but buy as high a limit as you can afford.

Coverage for medical expenses

Med pay and PIP coverage provide coverage for bills for things like surgery, nursing services and chiropractic care. The coverages can be used to cover expenses not covered by your health insurance program or if you are not covered by health insurance. Medical payments and PIP cover all vehicle occupants and also covers being hit by a car walking across the street. PIP is not an option in every state but it provides additional coverages not offered by medical payments coverage

Comprehensive insurance

Comprehensive insurance coverage pays for damage OTHER than collision with another vehicle or object. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for things such as hitting a bird, damage from flooding and vandalism. The highest amount you can receive from a comprehensive claim is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Quote often and quote early

Cheaper 2000 Dodge Durango insurance can be bought both online as well as from insurance agents, and you should compare price quotes from both in order to have the best chance of saving money. Some companies don’t offer rates over the internet and these regional insurance providers sell through local independent agencies.

Consumers change insurance companies for a number of reasons such as delays in responding to claim requests, not issuing a premium refund, being labeled a high risk driver and delays in paying claims. Regardless of your reason, switching companies is less work than it seems.

We just presented a lot of techniques to shop for 2000 Dodge Durango insurance online. It’s most important to understand that the more companies you get premium rates for, the better likelihood of getting the cheapest insurance. You may be surprised to find that the lowest car insurance rates are with a small mutual company.

Much more information about insurance is available at these links: