2001 Dodge Durango Insurance Cost – 10 Discounts for Best Prices

Trying to find better insurance coverage rates for your Dodge Durango? Expensive insurance coverage can empty your personal savings, especially in this economy. Comparison shopping is a smart way to help make ends meet. Popular companies such as GEICO, Progressive and Allstate all claim big savings, bombarding you with advertising and consumers find it hard to see past the corporate glitz and find the best price available.

You should take the time to price shop coverage quite often because insurance rates tend to go up over time. Just because you found the lowest price for Durango coverage a couple years back there is a good chance you can find better rates now. Forget all the misinformation about insurance coverage because you’re about to find out the tricks you need to know to find great coverage at a great price.

Pay less for Dodge Durango insurance

Properly insuring your vehicles can get expensive, but you can get discounts to help bring down the price. Larger premium reductions will be automatically applied at quote time, but a few must be inquired about in order for you to get them. If you’re not getting every credit you deserve, you’re just leaving money on the table.

  • Life Insurance Discount – Select insurance companies reward you with a break if you buy life insurance from them.
  • Federal Government Employee – Active or retired federal employment could cut as much as 10% off for Durango coverage with a few insurance coverage companies.
  • Save with a New Car – Putting insurance coverage on a new car is cheaper due to better safety requirements for new cars.
  • Passive Restraints and Air Bags – Cars that have air bags or motorized seat belts can receive discounts of up to 25% or more.
  • Save over 55 – Mature drivers can possibly qualify for a small decrease in premiums for Durango coverage.
  • Payment Discounts – If you pay your entire premium ahead of time instead of making monthly payments you could save 5% or more.
  • Accident Waiver – Some insurance companies allow you one accident before hitting you with a surcharge if you are claim-free prior to the accident.
  • Seat Belts Save – Drivers who require all occupants to use a seat belt could cut 10% or more off your medical payments premium.
  • Low Mileage – Low mileage vehicles could qualify for a substantially lower rate.
  • Defensive Driving Course – Taking part in a course in driver safety can save you 5% or more if you qualify.

It’s important to understand that most discount credits are not given to the overall cost of the policy. A few only apply to specific coverage prices like physical damage coverage or medical payments. So even though it sounds like you can get free auto insurance, companies don’t profit that way. Any qualifying discounts will help reduce your premiums.

To see a list of insurers who offer insurance coverage discounts, click this link.

How to Get Cheap Car Insurance

Lowering your 2001 Dodge Durango car insurance rates can be relatively painless. You just have to take time to get quotes provided by online insurance companies. This is very easy and can be done in several different ways.

  1. The easiest and least time consuming way to find low rates is an all-inclusive rate comparison click to view form in new window. This method saves time by eliminating separate quotation requests to each individual car insurance company. Taking the time to complete one form gets rate comparisons from several companies.
  2. A less efficient way to get comparison quotes requires you to visit each company’s website to complete their respective quote request forms. For instance, let’s say you want to compare rates from Farmers, Esurance and American Family. To get rate quotes you would need to go to every website to input your insurance information, which is why the first method is more popular. For a list of links to insurance companies in your area, click here.
  3. The most time-consuming way to compare rates is to waste gas driving to and from local insurance agencies. Buying insurance online makes this process obsolete unless you prefer the personal advice that only a license agent can provide. You can, however, compare online quotes and still use a local agent and we’ll touch on that later.

It’s up to you how you get prices quotes, just be sure to compare identical quote information with every price quote. If you enter different deductibles then you won’t be able to decipher which rate is best.

Tailor your coverage to you

When choosing proper insurance coverage for your personal vehicles, there really is not a one size fits all plan. Your needs are not the same as everyone else’s so this has to be addressed. For example, these questions may help you determine if you could use an agent’s help.

  • Will my insurance pay for OEM parts?
  • What exactly is covered by my policy?
  • How can I get high-risk coverage after a DUI?
  • Am I covered if I crash into my own garage door?
  • Do I need higher collision deductibles?
  • Is upholstery damage covered by car insurance?
  • What is an SR-22 filing?
  • Is motorclub coverage worth it?

If you can’t answer these questions, you might consider talking to an agent. If you want to speak to an agent in your area, fill out this quick form or click here for a list of insurance coverage companies in your area. It’s fast, doesn’t cost anything and may give you better protection.

What auto insurance coverages do you need?

Knowing the specifics of your auto insurance policy aids in choosing the right coverages and proper limits and deductibles. The coverage terms in a policy can be impossible to understand and reading a policy is terribly boring. These are typical coverages found on the average auto insurance policy.

Collision coverages – Collision coverage will pay to fix damage to your Durango resulting from a collision with another vehicle or an object, but not an animal. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against claims like hitting a mailbox, sideswiping another vehicle and backing into a parked car. Paying for collision coverage can be pricey, so you might think about dropping it from older vehicles. Drivers also have the option to bump up the deductible to get cheaper collision coverage.

Liability insurance – Liability coverage can cover damage or injury you incur to other’s property or people that is your fault. Coverage consists of three different 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 which means a limit of $100,000 per injured person, a per accident bodily injury limit of $300,000, and a limit of $100,000 paid for damaged property. Occasionally you may see a combined limit that pays claims from the same limit and claims can be made without the split limit restrictions.

Liability coverage pays for claims like structural damage, repair bills for other people’s vehicles, bail bonds, loss of income and medical services. How much liability should you purchase? That is a personal decision, but buy as large an amount as possible.

Comprehensive protection – Comprehensive insurance pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for claims such as damage from flooding, a broken windshield, vandalism and damage from a tornado or hurricane. The most a auto insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.

Uninsured or underinsured coverage – Your UM/UIM coverage protects you and your vehicle when the “other guys” are uninsured or don’t have enough coverage. This coverage pays for hospital bills for your injuries and damage to your Dodge Durango.

Since many drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage should not be overlooked. Most of the time your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.

Medical expense coverage – Med pay and PIP coverage reimburse you for bills like prosthetic devices, X-ray expenses and ambulance fees. They are utilized in addition to your health insurance policy or if you do not have health coverage. They cover all vehicle occupants and also covers if you are hit as a while walking down the street. Personal injury protection coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage

Be a Smart Shopper

When you buy insurance online, it’s very important that you do not skimp on coverage in order to save money. In many instances, someone dropped full coverage only to find out that saving that couple of dollars actually costed them tens of thousands. The ultimate goal is to buy the best coverage you can find at an affordable rate, not the least amount of coverage.

We just presented a lot of information how to reduce 2001 Dodge Durango insurance prices online. It’s most important to understand that the more quotes you get, the better your chances of lowering your rates. You may even discover the lowest priced insurance comes from some of the smallest insurance companies. These companies may only write in your state and offer lower rates than their larger competitors like Progressive and GEICO.

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