Cheaper 2007 Dodge Durango Insurance Rates

Looking for the cheapest auto insurance rates for your Dodge Durango? Tired of sacrificing other expenses to insure your Dodge every month? You’re in the same situation as many other consumers. There are many car insurance companies to pick from, and even though it’s nice to have a choice, more choices can make it harder to find the lowest rates.

You may qualify for discounts

Car insurance is easily one of your largest bills, but you might find some hidden discounts that could drop your premiums quite a bit. Some trigger automatically when you quote, but lesser-known reductions have to be requested specifically prior to getting the savings. If they aren’t giving you every credit possible, you could be getting lower rates.

  • Homeowners Savings – Owning a house may earn you a small savings since owning and maintaining a home means you have a higher level of financial diligence.
  • Accident Forgiveness – Not really a discount, but certain companies may permit one accident without the usual rate increase if your claims history is clear for a set time period.
  • Government Employees – Simply working for the federal government can earn a discount up to 10% on Durango coverage with certain companies.
  • Theft Deterent – Cars and trucks with anti-theft systems have a lower chance of being stolen and that can save you a little bit as well.
  • More Vehicles More Savings – Insuring all your vehicles with the same company could earn a price break for each car.
  • Mature Driver Discount – If you’re over the age of 55, you are able to get a slight reduction on a insurance quote on Durango coverage.
  • Data Collection Discounts – People who choose to allow driving data submission to track driving habits through the use of a telematics system such as Progressive’s Snapshot could possibly reduce rates if they have good driving habits.

Just know that most discounts do not apply the the whole policy. Some only apply to specific coverage prices like medical payments or collision. Even though it appears it’s possible to get free car insurance, insurance companies wouldn’t stay in business.

To locate insurance companies who offer discounts, click here to view.

There’s no such thing as the perfect insurance policy

When choosing adequate coverage for your vehicles, there isn’t really a single plan that fits everyone. Everyone’s needs are different so your insurance should reflect that These are some specific questions might point out if you would benefit from an agent’s advice.

  • How much liability coverage do I need in my state?
  • Is my vehicle covered by my employer’s policy when using it for work?
  • Can I rate high risk drivers on liability-only vehicles?
  • Can my babysitter drive my car?
  • I have health insurance so do I need medical payments coverage?
  • Am I covered when renting a car or should I buy coverage from the car rental agency?
  • Do I need an umbrella policy?

If it’s difficult to answer those questions, you might consider talking to a licensed insurance agent. If you want to speak to an agent in your area, take a second and complete this form or you can go here for a list of companies in your area. It only takes a few minutes and can help protect your family.

Insurance advertising tricks

Consumers get pounded daily by advertisements that claim the cheapest premium rates from the likes of Allstate and Progressive. All the ads advertise claims that you can save if you switch to their company.

How does every insurance coverage company save you money? This is the way they can do it.

Insurance companies give the best rates for the right customer that will most likely be profitable. A good example of a profitable insured may be a married female, owns their home, and has excellent credit. A propective insured that hits that “sweet spot” will get low premium rates and therefore will save a lot if they switch.

Insureds who do not match the ideal profile will be quoted higher prices and this results in the customer buying from a different company. The ads say “drivers who switch” not “all people who quote” save that much money. This is how companies can advertise the savings.

Because every company is different, you need to do a rate comparison at every renewal. Because you never know which insurance companies will give you the biggest savings.

The coverage is in the details

Having a good grasp of a insurance policy can help you determine which coverages you need and the correct deductibles and limits. Policy terminology can be impossible to understand and reading a policy is terribly boring. Listed below are typical coverages found on most insurance policies.

Coverage for liability

This can cover damage that occurs to people or other property. It protects YOU against other people’s claims. Liability doesn’t cover your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see values of 25/50/25 that means you have $25,000 in coverage for each person’s injuries, $50,000 for the entire accident, and a total limit of $25,000 for damage to vehicles and property. Another option is one limit called combined single limit (CSL) which combines the three limits into one amount with no separate limits for injury or property damage.

Liability can pay for claims such as repair bills for other people’s vehicles, funeral expenses, medical services, medical expenses and attorney fees. The amount of liability coverage you purchase is your choice, but you should buy as high a limit as you can afford.

Coverage for collisions

This will pay to fix damage to your Durango resulting from colliding with another car or object. You first must pay a deductible then your collision coverage will kick in.

Collision can pay for things like hitting a parking meter, sustaining damage from a pot hole and colliding with another moving vehicle. Collision is rather expensive coverage, so consider dropping it from lower value vehicles. Another option is to increase the deductible to get cheaper collision coverage.

Coverage for medical payments

Coverage for medical payments and/or PIP provide coverage for short-term medical expenses like pain medications, surgery, funeral costs, prosthetic devices and doctor visits. They can be used to fill the gap from your health insurance plan or if you are not covered by health insurance. Medical payments and PIP cover all vehicle occupants as well as being hit by a car walking across the street. Personal injury protection coverage is only offered in select states and may carry a deductible

Comprehensive coverages

Comprehensive insurance will pay to fix damage OTHER than collision with another vehicle or object. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers things such as vandalism, falling objects, rock chips in glass, damage from a tornado or hurricane and a tree branch falling on your vehicle. The maximum amount you can receive from a comprehensive claim is the ACV or actual cash value, so if it’s not worth much more than your deductible consider dropping full coverage.

Uninsured and underinsured coverage

Uninsured or Underinsured Motorist coverage provides protection from other drivers when they do not carry enough liability coverage. This coverage pays for hospital bills for your injuries and also any damage incurred to your 2007 Dodge Durango.

Due to the fact that many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family. Most of the time these limits are similar to your liability insurance amounts.

Save for a rainy day

We just showed you a lot of tips how to lower your 2007 Dodge Durango insurance car insurance rates. The key concept to understand is the more providers you compare, the better your comparison will be. You may be surprised to find that the lowest car insurance rates come from an unexpected company. These smaller insurers may cover specific market segments cheaper than their larger competitors like Allstate and Progressive.

Budget-conscious 2007 Dodge Durango insurance can be bought online and with local insurance agents, so you need to quote insurance with both to have the best selection. Some insurance providers may not offer the ability to get a quote online and many times these small insurance companies only sell through local independent agents.

As you quote insurance, it’s a bad idea to buy poor coverage just to save money. There have been many cases where an insured cut liability coverage limits to discover at claim time they didn’t purchase enough coverage. Your strategy should be to purchase plenty of coverage at the best cost, but do not sacrifice coverage to save money.

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