2004 Dodge Durango Insurance Rates

Want better insurance rates for your Dodge Durango? Having to pay for high-priced insurance can bottom out your accounts and force you to prioritize other expenses. Companies like Allstate and Progressive persitently shower you with advertising and consumers find it hard to see through the cute green geckos and mayhem and take the time to shop coverage around.

It’s a great practice to take a look at other company’s rates quite often because prices are constantly changing. If you had the best price on Durango coverage two years ago you can probably find a better rate quote now. Forget anything you know (or think you know) about insurance because you’re about to find out the quickest way to find great coverage at a great price.

Insurance rates and discounts

Some providers don’t always publicize every possible discount in a way that’s easy to find, so below is a list some of the best known in addition to some of the lesser obvious credits available to lower your premiums when you buy insurance online. If you don’t get every credit you qualify for, you are just wasting money.

  • Auto/Life Discount – Some insurance carriers give lower rates if you buy life insurance.
  • Sign Early and Save – Some insurance companies reward drivers for renewing your policy early. Ten percent is about the average savings.
  • Defensive Driving Course – Successfully completing a driver safety class can save you 5% or more and easily pay for the cost of the class.
  • Good Students Pay Less – Being a good student may save you up to 25%. You can use this discount normally until age 25.
  • Drive Safe and Save – Accident-free drivers may save up to 50% more on Durango coverage than their less cautious counterparts.

Please keep in mind that most discounts do not apply to the entire cost. The majority will only reduce individual premiums such as collision or personal injury protection. Just because you may think all those discounts means the company will pay you, you aren’t that lucky.

If you would like to see a list of insurance companies that offer the discounts shown above, click here.

How to compare auto insurance quotes

Reducing your 2004 Dodge Durango insurance rates can be relatively painless. The only thing you need to do is invest a little time getting comparison quotes online with multiple companies. This can be done in a couple of different ways.

  • The first (and easiest) way to compare a lot of rates at once would be an industry-wide quote request form (click to open form in new window). This type of form prevents you from having to do separate quote forms for every company. One quote request gets you price quotes direct from many companies.
  • A different way to analyze rates is going to the website for each individual company to complete their respective quote request forms. For instance, we’ll assume you want to compare Liberty Mutual, 21st Century and GEICO. In order to compare rates, you need to go to every website and repeatedly enter your information, which is why the first method is quicker.

    To view a list of companies in your area, click here.

Whichever way you choose to compare rates, be sure you’re using apples-to-apples coverage data with each company. If you use unequal deductibles or liability limits you will not be able to determine the lowest rate for your Dodge Durango.

Lower your insurance rates

Multiple criteria are part of the equation when you get a price on insurance. Some of the criteria are obvious like a motor vehicle report, but some are not as apparent such as your marital status or your vehicle rating.

Shown below are a few of the things that factor into your prices.

  • Lower premiums for safer vehicles – Cars with five star safety ratings get lower rates. The safest vehicles reduce the chance of injuries and fewer serious injuries translates into savings for insurance companies and more competitive rates for policyholders. If your Dodge is rated at least four stars on Safercar.gov it may cost less to insure.
  • Stress out and pay more – Occupations such as lawyerspolice officers and emergency personnel tend to pay the highest rates attributed to stressful work requirements and long work days. On the other hand, occupations like actors, athletes and homemakers pay lower than average rates on Durango coverage.
  • Gender as a rate factor – Statistics have proven women are more cautious behind the wheel. It does not mean women are BETTER drivers than men. Males and females cause accidents in similar percentages, but the male of the species tend to have higher claims. Men also statistically receive more major tickets like reckless driving and DUI. Youthful male drivers are the most expensive to insure so they pay the highest premiums.
  • Do thieves like your car? – Buying a car with a theft deterrent system can help lower your rates. Theft deterrent systems like tamper alarm systems, vehicle immobilizer technology and General Motors OnStar all aid in stopping auto theft and help lower rates.
  • Teen drivers cost more – Teen drivers are statistically shown to be inattentive when driving so insurance coverage rates are higher. Older people tend to be more responsible, tend to cause fewer accidents and are safer drivers.
  • Consolidate home and auto and save – Most major insurance coverage companies will award better rates to policyholders who buy several policies from them in the form of a multi-policy discount. Discounts can add up to ten or even up to twenty percent in some cases. Even though this discount sounds good, consumers should still compare rates to help ensure you have the lowest rates. Drivers may still find lower rates by buying insurance coverage from a different company.
  • Stay claim-free and save – If you are the type of insured that files lots of claims you can pretty much guarantee either a policy non-renewal or much higher rates. Auto insurance companies award cheaper rates to policyholders who file claims infrequently. Your car insurance is meant to be used in the event of claims that pose a financial burden.
  • Pay more if you have a long commute – Living in smaller towns and rural areas of the country has it’s advantages when trying to find low car insurance rates. Fewer drivers on the road means fewer accidents in addition to lower liability claims Residents of big cities tend to have more traffic problems and higher rates of accident claims. Higher commute times means a statistically higher chance of an accident.

Situations that may require an agent’s advice

When choosing adequate coverage, there really is no single plan that fits everyone. Everyone’s situation is a little different and a cookie cutter policy won’t apply. Here are some questions about coverages that may help highlight if you might need professional guidance.

  • Do I have coverage if my license is suspended?
  • When would I need additional glass coverage?
  • When should I remove comp and collision on my 2004 Dodge Durango?
  • Will my vehicle be repaired with OEM or aftermarket parts?
  • How can I get my company to pay me more for my totalled car?
  • What can I do if my company won’t pay a claim?
  • Do I get a pro-rated refund if I cancel my policy early?

If it’s difficult to answer those questions but a few of them apply, then you may want to think about talking to an insurance agent. If you don’t have a local agent, complete this form or go to this page to view a list of companies. It only takes a few minutes and can provide invaluable advice.

Coverage specifics

Having a good grasp of your policy helps when choosing appropriate coverage at the best deductibles and correct limits. Insurance terms can be impossible to understand and coverage can change by endorsement. Shown next are typical coverages available from insurance companies.

Collision coverage protection

This will pay to fix damage to your Durango caused by collision with a stationary object or other vehicle. A deductible applies and then insurance will cover the remainder.

Collision insurance covers things such as crashing into a building, rolling your car, hitting a parking meter and sustaining damage from a pot hole. Paying for collision coverage can be pricey, so you might think about dropping it from vehicles that are older. You can also bump up the deductible to bring the cost down.

Medical payments coverage and PIP

Medical payments and Personal Injury Protection insurance reimburse you for immediate expenses for things like X-ray expenses, chiropractic care and nursing services. The coverages can be used in conjunction with a health insurance plan or if you lack health insurance entirely. They cover you and your occupants and will also cover if you are hit as a while walking down the street. PIP is only offered in select states and may carry a deductible

Uninsured/Underinsured Motorist coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other motorists when they are uninsured or don’t have enough coverage. Covered claims include hospital bills for your injuries as well as damage to your Dodge Durango.

Due to the fact that many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important.

Comprehensive coverage

Comprehensive insurance coverage pays for damage that is not covered by collision coverage. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers things like hail damage, hitting a deer and theft. The maximum amount you’ll receive from a claim is the market value of your vehicle, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Liability auto insurance

Liability insurance provides protection from damage or injury you incur to a person or their property in an accident. It protects YOU against other people’s claims, and doesn’t cover damage to your own property or vehicle.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see values of 100/300/100 which stand for $100,000 in coverage for each person’s injuries, a limit of $300,000 in injury protection per accident, and a total limit of $100,000 for damage to vehicles and property.

Liability coverage protects against things like repair costs for stationary objects, legal defense fees, structural damage, repair bills for other people’s vehicles and medical expenses. How much liability coverage do you need? That is a decision to put some thought into, but buy as much as you can afford.

Knowledge is power

While you’re price shopping online, it’s a bad idea to buy less coverage just to save a little money. There are a lot of situations where someone dropped liability limits or collision coverage only to regret that it was a big error on their part. Your goal is to purchase a proper amount of coverage at the best cost, but do not sacrifice coverage to save money.

In this article, we covered a lot of tips how to get a better price on 2004 Dodge Durango insurance. It’s most important to understand that the more price quotes you have, the better likelihood of getting low cost insurance. Consumers could even find that the lowest rates are with a small local company. These companies may often insure only within specific states and give getter rates than their larger competitors like State Farm, GEICO and Nationwide.

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