2002 Dodge Durango Insurance Quotes – 10 Tips for Cheapest Rates

Searching for low-cost insurance for a new or used Dodge Durango could be an all-consuming task, but you can follow our insurance buying tips to make it easier. There is a right way and a wrong way to shop for insurance so we’re going to tell you the absolute fastest way to compare rates for your Dodge and locate the best price possible.

Consumers should take time to check insurance prices every six months because insurance rates are constantly changing. Even if you think you had the best premium rates for Durango insurance at your last renewal you can probably find a lower rate today. You’ll find quite a bit of inaccurate information about insurance on the web, but we’re going to give you some of the best techniques to stop overpaying for insurance.

Finding the best rates is easy if you know what you’re doing. If you have insurance now or need new coverage, you can use this information to shop for the lowest rates and possibly find even better coverage. Drivers just need to know how to shop their coverage around over the internet.

Earn discounts on auto insurance

Some companies don’t list the complete list of policy discounts in a way that’s easy to find, so the list below gives a summary of some of the more common and the harder-to-find credits available to bring down your rates.

  • Bundled Policy Discount – If you insure your home and vehicles with one company you will save approximately 10% to 15%.
  • New Vehicle Savings – Insuring a new car can get you a discount because newer vehicles keep occupants safer.
  • Save with More Vehicles Insured – Having primary and secondary vehicles on the same auto insurance policy can get a discount for every vehicle.
  • Professional Organizations – Having an affiliation with certain professional organizations is a good way to get lower rates on your next auto insurance statement.
  • Discount for Home Ownership – Simply owning a home can save a few bucks since owning and maintaining a home is proof of financial responsibility.
  • Payment Method – If you can afford to pay the entire bill rather than paying in monthly installments you can avoid monthly service charges.
  • Air Bags and Passive Restraints – Vehicles equipped with air bags may get savings up to 30%.
  • Mature Driver Discount – Drivers that qualify as senior citizens may be able to get a small decrease in premiums for Durango insurance.
  • Student Discount for Driver Training – Have your child enroll and complete driver’s education in school.
  • Student in College – Kids who are attending college and won’t have access to an insured vehicle could qualify for this discount.

While discounts sound great, it’s important to understand that most of the big mark downs will not be given to the entire policy premium. The majority will only reduce the cost of specific coverages such as collision or personal injury protection. So even though you would think adding up those discounts means a free policy, companies wouldn’t make money that way. But all discounts will positively reduce your auto insurance premiums.

A list of auto insurance companies and their possible discounts are detailed below.

  • The Hartford policyholders can earn discounts including air bag, bundle, defensive driver, vehicle fuel type, anti-theft, driver training, and good student.
  • American Family includes discounts for bundled insurance, defensive driver, TimeAway discount, air bags, early bird, multi-vehicle, and accident-free.
  • Progressive offers discounts including multi-vehicle, good student, online quote discount, online signing, multi-policy, homeowner, and continuous coverage.
  • Travelers may offer discounts for home ownership, hybrid/electric vehicle, save driver, early quote, payment discounts, and continuous insurance.
  • Farmers Insurance has savings for alternative fuel, multi-car, distant student, pay in full, teen driver, bundle discounts, and mature driver.
  • USAA offers discounts for multi-policy, good student, loyalty savings, driver training, safe driver, and multi-vehicle.
  • Liberty Mutual discounts include multi-policy, new move discount, good student, preferred payment discount, and exclusive group savings.

When getting a coverage quote, ask every company how many discounts you can get. Some of the discounts discussed earlier may not be offered in your area. To locate insurers offering auto insurance discounts, click this link.

Tailor your auto insurance coverage to you

When choosing adequate coverage for your personal vehicles, there really is no single plan that fits everyone. Each situation is unique.

For example, these questions may help highlight whether you may require specific advice.

  • Is my camper covered by my car insurance policy?
  • Should I carry comprehensive and collision coverage?
  • Do I have coverage when using my vehicle for my home business?
  • Does coverage extend to my business vehicle?
  • Is motorclub coverage worth it?
  • I don’t drive much so do I pay less?
  • I have good health insurance, so how much medical payments coverage do I need?

If you can’t answer these questions but you know they apply to you, you may need to chat with a licensed agent. To find lower rates from a local agent, complete this form. It only takes a few minutes and can help protect your family.

Misconceptions in insurance coverage advertisements

Drivers can’t avoid all the ads for cheaper insurance coverage from companies such as Progressive, Allstate and GEICO. All the companies make the same claim of big savings after switching your policy.

But how can every company save you money? It’s all in the words they use.

All companies quote their cheapest rates for the type of driver that will generate a profit. For example, a preferred risk may need to be between the ages of 30 and 45, has a clear driving record, and has great credit. Any driver who fits that profile will qualify for the lowest premium rates and as a result will probably save when switching.

Potential customers who do not meet those standards will be quoted higher premiums with the end result being business not being written. Company advertisements say “people who switch” not “everybody who quotes” can get the lowest rates when switching. This is how insurance companies can confidently make claims that they all have the best prices. Because each company has a different risk profile, it’s extremely important to do a quote comparison often. You cannot predict which insurance coverage company will give you the biggest savings.

Coverages available on your auto insurance policy

Understanding the coverages of your auto insurance policy can help you determine which coverages you need and the correct deductibles and limits. Auto insurance terms can be confusing and nobody wants to actually read their policy.

Coverage for medical expenses

Personal Injury Protection (PIP) and medical payments coverage reimburse you for immediate expenses for funeral costs, ambulance fees, surgery and nursing services. They are used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. It covers all vehicle occupants and also covers if you are hit as a while walking down the street. Personal Injury Protection is only offered in select states and may carry a deductible

Liability auto insurance

This coverage can cover damage that occurs to other people or property. 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 limits of 25/50/25 which stand for $25,000 in coverage for each person’s injuries, $50,000 for the entire accident, and property damage coverage for $25,000.

Liability can pay for things like attorney fees, pain and suffering and repair costs for stationary objects. How much liability should you purchase? That is your choice, but it’s cheap coverage so purchase as large an amount as possible.

Collision coverage protection

Collision coverage pays for damage to your Durango resulting from a collision with another vehicle or an object, but not an animal. You first must pay a deductible and then insurance will cover the remainder.

Collision coverage protects against claims such as sustaining damage from a pot hole, crashing into a ditch, backing into a parked car, damaging your car on a curb and scraping a guard rail. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are older. You can also choose a higher deductible to bring the cost down.

Coverage for uninsured or underinsured drivers

Your UM/UIM coverage protects you and your vehicle’s occupants from other drivers when they do not carry enough liability coverage. Covered losses include hospital bills for your injuries and also any damage incurred to your Dodge Durango.

Since a lot of drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is important protection for you and your family.

Comprehensive auto insurance

Comprehensive insurance coverage pays for damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for things like hail damage, hitting a deer, damage from flooding, vandalism and fire damage. The maximum payout you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.

Shop. Compare. Save.

Insureds switch companies for a variety of reasons including poor customer service, lack of trust in their agent, denial of a claim or being labeled a high risk driver. Regardless of your reason for switching companies, finding a great new company is not as hard as you think.

You just read a lot of information how to shop for 2002 Dodge Durango insurance online. The key concept to understand is the more times you quote, the better your comparison will be. Drivers may discover the lowest premium rates are with a company that doesn’t do a lot of advertising.

When getting insurance quotes online, do not reduce coverage to reduce premium. In many instances, someone dropped physical damage coverage to discover at claim time that the small savings ended up costing them much more. Your strategy should be to purchase plenty of coverage at an affordable rate, but do not skimp to save money.

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