How Much Does 2005 Dodge Durango Insurance Cost?

Vehicle owners new to shopping for insurance online will find buying cheap insurance coverage can be quite difficult.

Cheapest insurance quotes

When shopping for insurance there are multiple ways of comparing rates from lots of insurance companies. One of the best ways to find the lowest 2005 Dodge Durango rates consists of shopping online. It’s really quite simple and can be done in just a few minutes using one of these methods.

  • The easiest and least time consuming way consumers can analyze rates would be an industry-wide quote request form (click to open form in new window). This easy form eliminates the need for separate quotes for each company you want a rate for. In just a few minutes this one form will return quotes from multiple low-cost companies. Just one form and you’re done.
  • A slightly less efficient method to compare prices requires a visit to the website of each company and go through the quote process again. For example, let’s assume you want comparison quotes from Auto-Owners, Farmers and Allstate. To do that, you would have to take the time to go to each site and punch in your information repeatedly, which can get old fast.

    For a list of links to companies insuring cars in your area, click here.

  • The most time-consuming way to compare rates to insurance agents’ offices. Doing it all online makes this unnecessary unless you have a need for the advice and guidance that only a licensed agent can provide. It is possible to price shop online but have a local agent actually write the policy.

The approach you take is up to you, just do your best to enter exactly the same coverage limits and deductibles with each company. If you use unequal deductibles or liability limits you will not be able to make a fair rate comparison. Just a small difference in coverages can mean a large discrepancy in price. And when comparing insurance rates, know that getting more free quotes will improve the odds of getting more affordable insurance. Some smaller insurers to not give rate quotes online, so you should also compare price quotes from the smaller companies as well.

You may qualify for discounts

Some providers don’t list every policy discount in a way that’s easy to find, so the following is a list of some of the more common and the more hidden credits available to bring down your rates.

  • Multi-policy Discount – If you combine your auto and homeowners policies with one company you will save at least 10 to 15 percent or more.
  • More Vehicles More Savings – Buying a policy with multiple cars on one policy can reduce rates for all insured vehicles.
  • Good Students Pay Less – Being a good student can be rewarded with saving of up to 25%. The discount lasts up to age 25.
  • Air Bag Discount – Options like air bags and/or automatic seat belt systems can receive discounts of 25 to 30%.
  • Distant Student Discount – Older children who live away from home to go to college and do not have access to a covered vehicle could get you a discount.

Consumers should know that most of the big mark downs will not be given the the whole policy. A few only apply to individual premiums such as physical damage coverage or medical payments. So when the math indicates it’s possible to get free car insurance, companies wouldn’t make money that way.

Car insurance companies that possibly offer many of the previously listed discounts may include but are not limited to:

If you need lower rates, check with every prospective company what discounts are available to you. A few discounts might not apply everywhere. To locate insurance companies with significant discounts, click this link.

There’s no such thing as the perfect insurance policy

When it comes to buying proper insurance coverage for your personal vehicles, there isn’t really a cookie cutter policy. Everyone’s needs are different.

For example, these questions may help you determine whether you could use an agent’s help.

  • Is other people’s property covered if stolen from my vehicle?
  • Am I missing any policy discounts?
  • Am I covered if I hit a deer?
  • Why is insurance for a teen driver so high?
  • Is there coverage for injuries to my pets?
  • Does my insurance cover damage caused when ticketed for reckless driving?

If it’s difficult to answer those questions, you might consider talking to a licensed agent. To find lower rates from a local agent, fill out this quick form.

Lower your insurance costs

Smart consumers have a good feel for the different types of things that go into determining your policy premiums. If you understand what positively or negatively impacts your premiums, this enables informed choices that could help you find cheaper rates.

  • Does auto insurance cost more for guys? – The statistics show that men are more aggressive behind the wheel. The data does not necessarily mean that men are WORSE drivers than women. Males and females have fender benders in similar percentages, but the men get into accidents with more damage. In addition to higher claims, males also get cited for more serious violations like driving under the influence (DUI). Male drivers age 16 to 19 are several times more likely to be in an accident so it costs more to insure them.
  • Where do you drive? – Driving a lot of miles in a year’s time the higher your rate. A lot of insurance companies charge to insure your cars based upon how the vehicle is primarily used. Cars and trucks left parked in the garage receive lower rates than those that get driven frequently. It’s a good idea to make sure your vehicle rating correctly shows the correct usage for each vehicle, because improper ratings can cost you money. Improper usage on your Durango may be costing you higher rates.
  • Careless drivers pay higher prices – Even a single speeding ticket or other violation may increase your cost to the point where it’s not affordable. Drivers who don’t get tickets receive lower rates than their less careful counterparts. Drivers who have received careless citations such as reckless driving or DUI may be required to file a proof of financial responsibility form (SR-22) with their state’s licensing department in order to prevent a license revocation.
  • lapses raise premiums – Driving any period of time without insurance can get your license suspended and insurance companies will penalize you for letting your insurance lapse. And not only will your rates increase, failure to provide proof of insurance might get you a revoked license or a big fine. Then you may be required to file a SR-22 with your state DMV.
  • Discounts for auto and home policies – Many companies will award better rates to customers who have multiple policies with them such as combining an auto and homeowners policy. The discount can add up to 10 percent or more. Even though this discount sounds good, consumers should still get quotes from other companies to confirm you are receiving the best rates possible.

Auto insurance policy coverages for a 2005 Dodge Durango

Understanding the coverages of your policy helps when choosing the right coverages and proper limits and deductibles. Auto insurance terms can be difficult to understand and nobody wants to actually read their policy.

Liability auto insurance

Liability coverage will cover damage or injury you incur to people or other property by causing an accident. This coverage protects you from legal claims by others. It does not cover damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. You might see limits of 50/100/50 which stand for a $50,000 limit per person for injuries, a limit of $100,000 in injury protection per accident, and $50,000 of coverage for damaged propery.

Liability coverage protects against claims such as pain and suffering, medical services and emergency aid. How much liability coverage do you need? That is a personal decision, but buy as much as you can afford.

Uninsured Motorist or Underinsured Motorist insurance

Your UM/UIM coverage gives you protection from other drivers when they do not carry enough liability coverage. Covered losses include injuries to you and your family and also any damage incurred to your 2005 Dodge Durango.

Because many people carry very low liability coverage limits, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance pays to fix your vehicle from damage from a wide range of events other than collision. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive insurance covers claims such as fire damage, hitting a bird and rock chips in glass. The maximum amount you can receive from a comprehensive claim is the actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.

Insurance for medical payments

Personal Injury Protection (PIP) and medical payments coverage reimburse you for short-term medical expenses for things like nursing services, doctor visits, ambulance fees, surgery and pain medications. The coverages can be utilized in addition to your health insurance program or if you are not covered by health insurance. Medical payments and PIP cover you and your occupants as well as being hit by a car walking across the street. Personal Injury Protection is not an option in every state but can be used in place of medical payments coverage

Collision coverage protection

This covers damage to your Durango caused by collision with an object or car. You have to pay a deductible and then insurance will cover the remainder.

Collision insurance covers things like colliding with another moving vehicle, sustaining damage from a pot hole and driving through your garage door. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are 8 years or older. You can also choose a higher deductible to get cheaper collision coverage.

At the end of the day…

When you buy insurance coverage online, it’s a bad idea to reduce coverage to reduce premium. There are too many instances where an accident victim reduced liability coverage limits and discovered at claim time that the small savings ended up costing them much more. Your objective should be to buy a smart amount of coverage at the best price, but don’t skip important coverages to save money.

There are still a few companies who don’t offer internet price quotes and many times these small insurance companies prefer to sell through independent agents. Budget-friendly insurance coverage is definitely available online as well as from independent agents, so you should compare both to have the best chance of lowering rates.

You just learned some good ideas how to lower your 2005 Dodge Durango insurance car insurance rates. The key concept to understand is the more price quotes you have, the better likelihood of getting low cost insurance coverage. You may be surprised to find that the best price on insurance coverage is with the least-expected company.

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