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.
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.
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.
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.
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.
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.
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.
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.
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.
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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