Locating better insurance prices for a new or used Dodge Durango could be a painful process, but you can learn a few tricks to save time.
There are both good and bad ways to shop for car insurance so you’re going to learn the quickest way to get price quotes for a new or used Dodge and locate the cheapest rates either online or from local insurance agents.
Consumers should take time to take a look at other company’s rates periodically because prices are constantly changing. Even if you think you had the best price for Durango coverage a few years ago the chances are good that you can find a lower rate today. Don’t believe everything you read about car insurance on the web, but I’m going to show you some of the best ways to buy car insurance cheaper.
Effectively comparing insurance coverage prices can take hours if you don’t understand the easiest way. You can spend your afternoon driving to insurance agencies in your area, or you could save time and use online quoting for quick rates.
Many popular insurance companies take part in a program that enables customers to submit their information once, and at least one company then returns a price quote for coverage. This saves time by eliminating form submissions to every company. To get comparison pricing now click here to open in new window.
The one downside to using this type of form is that consumers can’t choose which insurance companies you will receive quotes from. So if you want to select specific insurance companies to compare prices, we have assembled a list of insurance coverage companies in your area. Click to view list.
It’s up to you which method you use, but make absolute certain that you use the exact same quote information for every quote you compare. If you enter different limits and deductibles on each one it will be very difficult to find the best deal for your Dodge Durango.
When buying coverage, there isn’t really a “perfect” insurance plan. Coverage needs to be tailored to your specific needs.
Here are some questions about coverages that may help you determine whether your personal situation will benefit from professional help.
If you don’t know the answers to these questions but one or more may apply to you, you may need to chat with an agent. To find an agent in your area, simply complete this short form. It’s fast, free and can provide invaluable advice.
Having a good grasp of your insurance policy helps when choosing which coverages you need and proper limits and deductibles. Policy terminology can be difficult to understand and coverage can change by endorsement.
Protection from uninsured/underinsured drivers – This coverage gives you protection when other motorists either are underinsured or have no liability coverage at all. This coverage pays for hospital bills for your injuries as well as your vehicle’s damage.
Since a lot of drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is very important. Normally these coverages are identical to your policy’s liability coverage.
Medical expense insurance – Coverage for medical payments and/or PIP provide coverage for immediate expenses like X-ray expenses, funeral costs, doctor visits, nursing services and surgery. They are used in conjunction with a health insurance program or if there is no health insurance coverage. They cover both the driver and occupants in addition to getting struck while a pedestrian. PIP is not universally available but it provides additional coverages not offered by medical payments coverage
Comprehensive (Other than Collision) – Comprehensive insurance covers damage caused by mother nature, theft, vandalism and other events. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.
Comprehensive insurance covers things such as hail damage, a tree branch falling on your vehicle, falling objects and hitting a bird. The most your insurance company will pay is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.
Liability coverage – Liability insurance will cover damage or injury you incur to people or other property in an accident. This coverage protects you from claims by other people. It does not cover your own vehicle damage or injuries.
It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see limits of 50/100/50 which means $50,000 bodily injury coverage, a total of $100,000 of bodily injury coverage per accident, and property damage coverage for $50,000. Occasionally you may see one number which is a combined single limit that pays claims from the same limit rather than limiting it on a per person basis.
Liability coverage protects against claims like repair bills for other people’s vehicles, structural damage, medical expenses, funeral expenses and loss of income. How much liability should you purchase? That is a personal decision, but consider buying as much as you can afford.
Collision coverages – Collision coverage covers damage to your Durango from colliding with an object or car. You first must pay a deductible then the remaining damage will be paid by your insurance company.
Collision coverage pays for claims like hitting a parking meter, sideswiping another vehicle, rolling your car, scraping a guard rail and backing into a parked car. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Another option is to choose a higher deductible in order to get cheaper collision rates.