Cheaper 2003 Dodge Durango Insurance Rates

Are you at wits end from trying to scrape together enough money to pay auto insurance each month? You are no different than millions of other vehicle owners. Online insurance companies like State Farm, GEICO and Farmers Insurance continually bombard you with ads and it is difficult to see past the corporate glitz and find the best price available.

It’s a good habit to take a look at other company’s rates once or twice a year since prices trend upward over time. Even if you got the best rate on Durango coverage last year you can probably find a better premium rate now. You can find a lot of misleading information regarding auto insurance on the web, but in a few minutes you can learn a bunch of ideas how to put money back in your pocket.

How to shop auto insurance online

There are a variety of methods to compare auto insurance prices but one way is less time-consuming than others. You can waste a few hours (or days) driving to agents in your area, or you can stay home and use online quoting to quickly compare rates.

Many of the larger companies participate in a marketplace where insurance shoppers only type in their quote data once, and every company then gives them pricing based on that data. This saves time by eliminating quote forms for every auto insurance company.

To find out what other companies charge click here to start a free quote.

The only drawback to using this type of system is buyers cannot specifically choose the companies to get quotes from. If you would rather choose specific insurance companies for rate comparison, we have a listing of companies who write auto insurance in your area. Click here to view list.

It’s your choice how you get your quotes, but try to keep nearly identical deductibles and coverage limits for each comparison quote. If each company quotes differing limits it’s impossible to determine which rate is truly the best.

These discounts can lower insurance rates

Insurance is not inexpensive, but you can get discounts to help bring down the price. Some discounts apply automatically at the time you complete a quote, but some must be requested specifically before being credited.

  • Senior Citizens – If you qualify as a senior citizen, you may be able to get a slight reduction on a car insurance quote on Durango coverage.
  • Multi-Vehicle Discounts – Drivers who insure more than one vehicle with the same insurance company could earn a price break for each car.
  • Active Military Service – Having a family member in the military could mean lower prices.
  • Early Renewal Discounts – Some companies reward drivers for signing up before your current coverage expires. Ten percent is about the average savings.
  • Good Student Discount – Excelling in school could provide a savings of up to 20% or more. The good student discount can last until age 25.
  • Paperless Signup – Some of the larger companies give back up to $50 simply for signing on the web.
  • Driving Data Discount – Drivers who elect to allow companies to analyze their driving habits by installing a telematics device like Allstate’s Drivewise could save a few bucks if they exhibit good driving behavior.
  • Distant Student Discount – Older children who are attending college and do not have a car can receive lower rates.
  • Drive Less and Save – Driving fewer miles may enable drivers to earn cheaper rates.
  • Seat Belt Discounts – Drivers who always wear seat belts and also require passengers to use their safety belts can save up to 15% on the premium charged for medical payments and/or PIP.

As a sidenote, many deductions do not apply to your bottom line cost. Most only reduce the price of certain insurance coverages like medical payments or collision. So when the math indicates adding up those discounts means a free policy, insurance companies aren’t that generous.

A partial list of companies that may include most of these discounts possibly include:

If you need affordable car insurance quotes, ask every insurance company which discounts can lower your rates. Depending on the company, some discounts may not apply to policyholders everywhere. To choose insurance companies who offer online insurance quotes, click this link.

When do I need an agent’s advice?

When it comes to choosing the best insurance coverage for your vehicles, there is no best way to insure your cars. Every situation is different and a cookie cutter policy won’t apply. These are some specific questions can help discover whether your personal situation might need professional guidance.

  • Why am I required to buy high-risk coverage?
  • Where can I find high-risk insurance?
  • Am I covered when driving a rental car?
  • Does my 2003 Dodge Durango qualify for pleasure use?
  • What happens if I owe more than my 2003 Dodge Durango is worth?
  • Am I covered when driving someone else’s vehicle?

If you’re not sure about those questions but one or more may apply to you then you might want to talk to an agent. If you don’t have a local agent, take a second and complete this form or click here for a list of insurance companies in your area. It’s fast, doesn’t cost anything and may give you better protection.

Parts of your insurance policy

Knowing the specifics of a insurance policy aids in choosing appropriate coverage at the best deductibles and correct limits. Policy terminology can be impossible to understand and even agents have difficulty translating policy wording. Listed below are the normal coverages found on the average insurance policy.

Medical payments coverage and PIP

Personal Injury Protection (PIP) and medical payments coverage kick in for short-term medical expenses such as chiropractic care, X-ray expenses, doctor visits, nursing services and rehabilitation expenses. They are used to fill the gap from your health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover both the driver and occupants and will also cover any family member struck as a pedestrian. Personal Injury Protection is not an option in every state and gives slightly broader coverage than med pay

Collision coverage protection

Collision insurance will pay to fix damage to your Durango from colliding with another car or object. A deductible applies then the remaining damage will be paid by your insurance company.

Collision coverage pays for claims like backing into a parked car, scraping a guard rail and damaging your car on a curb. This coverage can be expensive, so consider removing coverage from older vehicles. You can also choose a higher deductible in order to get cheaper collision rates.

Comprehensive coverage

Comprehensive insurance coverage pays for damage from a wide range of events other than collision. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive can pay for things such as hitting a bird, vandalism, a tree branch falling on your vehicle and falling objects. The maximum payout you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle is not worth much consider dropping full coverage.

Liability car insurance

Liability coverage protects you from damages or injuries you inflict on people or other property by causing an accident. This coverage protects you from claims by other people, and does not provide coverage for your own vehicle damage or injuries.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see liability limits of 100/300/100 which stand for a limit of $100,000 per injured person, $300,000 for the entire accident, and a total limit of $100,000 for damage to vehicles and property.

Liability insurance covers things like structural damage, bail bonds, emergency aid, repair costs for stationary objects and medical expenses. The amount of liability coverage you purchase is your choice, but you should buy higher limits if possible.

Uninsured/Underinsured Motorist coverage

This protects you and your vehicle when other motorists do not carry enough liability coverage. Covered losses include injuries to you and your family as well as damage 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. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important.

Shop around and save

We just presented some good ideas how you can lower your 2003 Dodge Durango insurance premium rates. The most important thing to understand is the more providers you compare, the better your chances of lowering your prices. Drivers may discover the best premium rates are with some of the smallest insurance companies. Smaller companies may only write in your state and offer lower prices as compared to the big name companies such as State Farm and Allstate.

A few companies do not provide rate quotes online and these small, regional companies prefer to sell through independent agencies. Cheaper 2003 Dodge Durango insurance can be sourced online as well as from independent agents, and you need to comparison shop both to have the best chance of lowering rates.

Much more information about car insurance is available below: