Save on 2000 Dodge Durango Insurance Rates

Buying the lowest cost car insurance on the internet may be difficult for people who are new to price shopping online. With such a large number of online companies available, how can you have a chance to compare the different rates to find the lowest rates?

It is always a good idea to shop coverage around every six months since rates change quite often. Just because you had the lowest price on Durango coverage a year ago you can probably find a lower rate today. Forget all the misinformation about car insurance because you’re about to find out the things you must know in order to reduce your cost while improving coverage.

Pieces of the Dodge Durango insurance rate puzzle

Smart consumers have a good feel for the rating factors that go into determining the rates you pay for auto insurance. When you know what positively or negatively controls the rates you pay enables informed choices that may reward you with better auto insurance rates.

  • Pay less after the wedding – Getting married helps lower the price on auto insurance. It translates into being more mature than a single person and it’s statistically proven that married couples file fewer claims.
  • Careful drivers pay lower rates – A bad driving record has a huge affect on how much you pay. Drivers with clean records receive lower rates compared to drivers with tickets. Just one speeding ticket may increase your cost forty percent or more. If you have flagrant violations such as hit and run, DWI or reckless driving convictions may find they need to submit a SR-22 form with their state motor vehicle department in order to keep their license.
  • Males pay more for insurance – Statistics demonstrate that women are safer drivers than men. However, this does not mean women are BETTER drivers than men. Men and women are in accidents at about the same rate, but the males have costlier accidents. They also receive more costly citations like reckless driving and DUI. Male drivers age 16 to 19 tend to get in the most accidents and thus pay the highest rates.
  • Your age impacts your rates – Young drivers have a tendency to get distracted easily when behind the wheel so they pay higher auto insurance rates. Older insureds are more responsible, tend to cause fewer accidents and receive fewer citations.
  • Pleasure use saves money – The more miles you rack up on your Dodge in a year’s time the higher your rates will be. The majority of insurers charge to insure your cars based on their usage. Vehicles left parked in the garage can get a lower rate compared to those used for work or business. If your policy improperly rates your Durango may be costing you. Make sure your auto insurance policy is showing how each vehicle is driven, because it can save money.

Cut your premium with discounts

Companies that sell car insurance do not list all available discounts very well, so the following is a list of some of the best known and the more hidden ways to save on insurance coverage.

  • Federal Employees – Employees or retirees of the government could cut as much as 10% off on Durango coverage with select insurance companies.
  • Homeowners Pay Less – Owning a house can help you save on insurance coverage because maintaining a house requires personal responsibility.
  • Save over 55 – Older drivers can possibly qualify for better insurance coverage rates on Durango coverage.
  • Discount for Swiching Early – Select companies give a discount for switching to them prior to your current policy expiration. The savings is around 10%.
  • Auto/Home Discount – When you combine your home and auto insurance with the same company you will save up to 20% off your total premium.

As a disclaimer on discounts, some of the credits will not apply to your bottom line cost. Most only reduce the cost of specific coverages such as comp or med pay. Just because it seems like having all the discounts means you get insurance for free, it doesn’t quite work that way.

Car insurance companies that may offer some of the above discounts are:

Check with every prospective company which discounts they offer. All car insurance discounts may not be available in every state.

What is the best insurance coverage?

When buying coverage for your personal vehicles, there isn’t really a perfect coverage plan. Every insured’s situation is different.

For example, these questions can help discover whether you could use an agent’s help.

  • Does my insurance cover damage caused when ticketed for reckless driving?
  • Is a blown tire covered by insurance?
  • Am I covered when pulling a rental trailer?
  • What is the minimum liability in my state?
  • When can my company non-renew my policy?
  • Do I need medical payments coverage since I have good health insurance?
  • Will my vehicle be repaired with OEM or aftermarket parts?

If you can’t answer these questions but you think they might apply to your situation, you may need to chat with an insurance agent. If you don’t have a local agent, fill out this quick form.

Specific coverages for a 2000 Dodge Durango

Learning about specific coverages of your insurance policy helps when choosing the best coverages for your vehicles. The coverage terms in a policy can be impossible to understand and nobody wants to actually read their policy.

Coverage for liability – Liability coverage provides protection from damages or injuries you inflict on people or other property. It protects you against claims from other people. Liability doesn’t cover your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see policy limits of 100/300/100 that translate to a limit of $100,000 per injured person, a limit of $300,000 in injury protection per accident, and a limit of $100,000 paid for damaged property.

Liability insurance covers things such as pain and suffering, structural damage and funeral expenses. The amount of liability coverage you purchase is a personal decision, but buy as large an amount as possible.

Comprehensive coverage – This coverage pays to fix your vehicle from damage from a wide range of events other than collision. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for things like damage from a tornado or hurricane, hitting a bird, damage from flooding, fire damage and hitting a deer. The most you can receive from a comprehensive claim is the market value of your vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Uninsured/Underinsured Motorist coverage – This coverage provides protection from other drivers when they are uninsured or don’t have enough coverage. It can pay for injuries to you and your family and damage to your Dodge Durango.

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

Collision coverages – This pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. You first must pay a deductible and then insurance will cover the remainder.

Collision coverage pays for claims like rolling your car, colliding with another moving vehicle, crashing into a building and damaging your car on a curb. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from older vehicles. Another option is to choose a higher deductible in order to get cheaper collision rates.

Medical payments coverage and PIP – Medical payments and Personal Injury Protection insurance reimburse you for bills such as chiropractic care, pain medications, rehabilitation expenses and EMT expenses. The coverages can be used to fill the gap from your health insurance policy or if you are not covered by health insurance. It covers you and your occupants and will also cover any family member struck as a pedestrian. Personal injury protection coverage is only offered in select states but can be used in place of medical payments coverage

Summing up your car insurance search

Affordable 2000 Dodge Durango insurance can be sourced from both online companies and also from your neighborhood agents, and you need to price shop both in order to have the best chance of saving money. There are still a few companies who may not provide online quoting and usually these small insurance companies provide coverage only through local independent agents.

We just showed you many ideas to compare insurance prices online. The key concept to understand is the more price quotes you have, the better your comparison will be. You may even find the most savings is with a small mutual company.

Consumers who switch companies do it for a variety of reasons including extreme rates for teen drivers, not issuing a premium refund, unfair underwriting practices and policy non-renewal. Regardless of your reason for switching companies, choosing a new company is pretty simple and you could end up saving a buck or two.

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