View 2006 Dodge Durango Car Insurance Cost

Searching for cheaper auto insurance rates for your Dodge Durango? No one is fond of buying auto insurance, particularly when their premiums are too high.

Consumers have many car insurance companies to buy insurance from, and though it is a good thing to have a choice, more options can take longer to find the best rates.

This information will familiarize you with how to effectively get price quotes and some money-saving tips. If you are paying for car insurance now, you should be able to lower your premiums substantially using these techniques. Although car owners must comprehend the way insurance companies market on the web.

These discounts can reduce insurance coverage rates

Car insurance can cost a lot, but companies offer discounts that many consumers don’t even know exist. Some of these disounts will be visible at the time of quoting, but a few must be asked about before they will apply.

  • Homeowners Pay Less – Owning a house can get you a discount because owning a home shows financial diligence.
  • Discount for Passive Restraints – Factory options such as air bags and/or automatic seat belt systems can qualify for discounts of 25 to 30%.
  • Senior Citizen Rates – Seniors could receive reduced rates on Durango coverage.
  • E-sign Discounts – A few larger online companies will provide an incentive for buying your policy digitally online.
  • Defensive Driver Discount – Successfully completing a course that instructs on driving safety could save 5% or more depending on where you live.
  • Active Military Service – Being deployed in the military could be rewarded with lower rates.
  • Employee of Federal Government – Being employed by or retired from a federal job could cut as much as 10% off on Durango coverage with some insurance coverage companies.

We need to note that some of the credits will not apply to all coverage premiums. Some only apply to the price of certain insurance coverages like comprehensive or collision. So even though it sounds like you can get free auto insurance, company stockholders wouldn’t be very happy. But any discount will lower the amount you have to pay.

A few popular companies and their offered discounts include:

  • Esurance has savings for renters, good student, DriveSense, online shopper, and multi-policy.
  • The Hartford offers discounts for air bag, defensive driver, driver training, anti-theft, bundle, good student, and vehicle fuel type.
  • AAA includes discounts for education and occupation, multi-car, anti-theft, good student, pay-in-full, and good driver.
  • GEICO may have discounts that include multi-policy, anti-lock brakes, seat belt use, driver training, and good student.
  • State Farm has discounts for accident-free, defensive driving training, good driver, anti-theft, and safe vehicle.

If you are trying to find low cost insurance quotes, ask every insurance company to give you their best rates. Some of the discounts discussed earlier might not be available to policyholders in your area. To see insurance coverage companies offering insurance coverage discounts, click here to view.

When do I need an agent’s advice?

When buying coverage for your vehicles, there really is no “perfect” insurance plan. Everyone’s needs are different so your insurance needs to address that. These are some specific questions may help highlight whether you would benefit from an agent’s advice.

  • Do I get a pro-rated refund if I cancel my policy early?
  • Are my friends covered when driving my car?
  • When should I not file a claim?
  • Am I covered by my employer’s commercial auto policy when driving my personal car for business?
  • What can I do if my company won’t pay a claim?
  • Does liability extend to a camper or trailer?
  • Does my policy cover my teen driver if they drive my company car?
  • Do I need rental car coverage?
  • Who is covered when they drive my 2006 Dodge Durango?
  • How can I get my company to pay me more for my totalled car?

If you don’t know the answers to these questions, you may need to chat with an agent. If you want to speak to an agent in your area, complete this form or click here for a list of auto insurance companies in your area.

Can switching companies really save?

Popular insurance coverage providers such as Progressive, Allstate and GEICO constantly bombard you with ads on television and other media. They all seem to state the claim that people will save if you switch your coverage. How does every insurance coverage company charge lower premium rates? This is how they do it.

All the different companies can use profiling for the right customer that will not have excessive claims. For instance, a profitable insured could possibly be between 25 and 40, has no claims, and has a short commute. Any driver that hits that “sweet spot” will most likely get cheap rates and will save quite a bit of money when switching.

Potential insureds who don’t measure up to these stringent criteria may be forced to pay more expensive rates and ends up with the customer not buying. The ad wording is “drivers that switch” but not “all drivers who get quotes” save the amount stated. This is how insurance companies can advertise the way they do.

This illustrates why you need to quote coverage with many companies. Because you cannot predict which company will provide the lowest car insurance rates.

Car insurance coverage basics

Understanding the coverages of your policy can be of help when determining which coverages you need and the correct deductibles and limits. The coverage terms in a policy can be ambiguous and reading a policy is terribly boring. These are typical coverages available from car insurance companies.

Liability coverages – Liability insurance can cover injuries or damage you cause to other people or property by causing an accident. This insurance protects YOU from legal claims by others. It does not cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have values of 25/50/25 which stand for $25,000 bodily injury coverage, a per accident bodily injury limit of $50,000, and a total limit of $25,000 for damage to vehicles and property. Some companies may use one number which is a combined single limit that pays claims from the same limit and claims can be made without the split limit restrictions.

Liability coverage protects against claims such as repair bills for other people’s vehicles, medical services, repair costs for stationary objects and attorney fees. How much liability should you purchase? That is your choice, but consider buying as high a limit as you can afford.

Collision coverage – This will pay to fix damage to your Durango from colliding with another car or object. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers things like rolling your car, driving through your garage door and scraping a guard rail. Collision coverage makes up a good portion of your premium, so consider removing coverage from older vehicles. Drivers also have the option to raise the deductible to save money on collision insurance.

Med pay and Personal Injury Protection (PIP) – Medical payments and Personal Injury Protection insurance kick in for immediate expenses like EMT expenses, funeral costs, doctor visits and nursing services. They are used to fill the gap from your health insurance plan or if you do not have health coverage. It covers all vehicle occupants and will also cover being hit by a car walking across the street. Personal Injury Protection is not an option in every state and gives slightly broader coverage than med pay

Comprehensive insurance – Comprehensive insurance coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive coverage pays for things like a broken windshield, damage from flooding, hitting a bird, vandalism and hitting a deer. The maximum amount your car insurance company will pay is the ACV or actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Uninsured/Underinsured Motorist (UM/UIM) – Uninsured or Underinsured Motorist coverage provides protection from other motorists when they either have no liability insurance or not enough. It can pay for injuries to you and your family and damage to your 2006 Dodge Durango.

Due to the fact that many drivers carry very low liability coverage limits, their limits can quickly be used up. So UM/UIM coverage is a good idea. Frequently these coverages are identical to your policy’s liability coverage.

Better coverage you can count on

Some insurance companies may not have online rate quotes and these regional carriers sell through independent insurance agents. Lower-priced 2006 Dodge Durango insurance is definitely available on the web in addition to many insurance agents, and you need to comparison shop both so you have a total pricing picture.

We just showed you many ways to compare 2006 Dodge Durango insurance prices online. The key concept to understand is the more you quote insurance, the higher the chance of saving money. Consumers could even find that the most savings is with a lesser-known regional company. These companies can often provide lower rates in certain areas compared to the large companies like State Farm and Allstate.

Additional auto insurance information can be read below: