How Much Does 1998 Dodge Durango Car Insurance Cost?

Wish you could get a refund on overpriced insurance coverage? Believe me, many drivers have buyer’s remorse.

Popular companies such as Geico and Progressive continually hit you with fancy advertisements and consumers find it hard to see through the cute green geckos and mayhem and effectively compare rates to find the best deal.

It’s important to do rate comparisons before your policy renews because prices change frequently. Just because you had the lowest rates for Durango insurance a year ago a different company probably has better rate quotes today. Don’t believe everything you read about insurance coverage online but you can learn some excellent ideas to stop overpaying for insurance.

How much does insurance coverage cost?

There are several ways to compare insurance coverage quotes, but one way is more efficient than others. You could waste time talking to local insurance agents in your area, or you can utilize online quoting to get pricing more quickly.

Most car insurance companies enroll in a system that allows shoppers to only type in their quote data once, and each company can provide price quotes based on that data. This prevents consumers from doing quotation requests for each company you want a rate for. To find out what other companies charge click to open in new window.

The only drawback to using this type of system is you don’t know exactly the insurers to get quotes from. So if you want to choose specific providers to compare prices, we have a page of low cost insurance coverage companies in your area. Click here to view list.

Compare rates however you want, just make sure you are using exactly the same coverages and limits with every price quote. If your comparisons have different liability limits it will be very difficult to determine the best price for your Dodge Durango. Just slight variations in insurance coverages could skew the results. Just keep in mind that quoting more helps increase your odds of locating more affordable insurance. Some insurance companies are not set up to provide online price quotes, so you also need to get price quotes from those companies as well.

Discount auto insurance quotes

The cost of insuring your cars can be expensive, but there’s a good chance there are discounts that may help make it more affordable. Some discounts will apply when you get a quote, but a few must be requested specifically before they will apply.

• Good Student – This discount can get you a discount of up to 25%. This discount can apply until age 25.
• One Accident Forgiven – Not a discount per se, but a handful of insurance companies will forgive one accident before raising your premiums as long as you don’t have any claims prior to being involved in the accident.
• Low Mileage – Fewer annual miles on your Dodge could qualify for slightly better premium rates than normal.
• Clubs and Organizations – Being a member of a qualifying organization may earn a discount on your bill.
• Employee of Federal Government – Federal government employees could cut as much as 10% off for Durango insurance with some auto insurance companies.
• Student Driver Training – Require your teen driver to participate in a local driver’s education class in school or through a local driver safety program.

We need to note that most credits do not apply to your bottom line cost. Most only apply to specific coverage prices like liability and collision coverage. So even though they make it sound like all those discounts means the company will pay you, insurance companies wouldn’t stay in business.

A few of the larger companies and a selection of discounts can be found below.

• Geico may include discounts for driver training, anti-lock brakes, multi-vehicle, defensive driver, and air bags.
• MetLife may offer discounts for accident-free, claim-free, defensive driver, good driver, multi-policy, good student
• State Farm offers premium reductions for driver’s education, anti-theft, multiple policy, safe vehicle, and good driver.
• Progressive has discounts for good student, continuous coverage, online signing, online quote discount, multi-vehicle, homeowner, and multi-policy.
• Mercury Insurance may have discounts that include type of vehicle, professional/association, accident-free, annual mileage, good student, anti-theft, and age of vehicle.
• 21st Century offers discounts including good student, air bags, anti-lock brakes, automatic seat belts, homeowners, early bird, and theft prevention.
• Allstate has savings for resident student, multi-policy, new car, senior citizen, farm vehicle, good student, and anti-lock brakes.

If you need cheaper insurance coverage quotes, ask all the companies which credits you are entitled to. Some of the discounts discussed earlier might not be offered in your area. To see auto insurance companies who offer free auto insurance quotes, click here.

Tailor your auto insurance coverage to you

When it comes to buying coverage, there is no single plan that fits everyone. Everyone’s situation is unique so your insurance needs to address that. For instance, these questions could help you determine whether you might need an agent’s assistance.

• Are rental cars covered under my policy?
• If I drive on a suspended license am I covered?
• Who is covered by my policy?
• Do I need special endorsements for business use of my vehicle?
• Do I have coverage for damage caused while driving under the influence?
• Do I have newly-aquired coverage?
• How do I file an SR-22 for a DUI in my state?

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

Learn about auto insurance coverages for a 1998 Dodge Durango

Knowing the specifics of a auto insurance policy aids in choosing the right coverages at the best deductibles and correct limits. Policy terminology can be impossible to understand and coverage can change by endorsement. Listed below are the usual coverages found on the average auto insurance policy.

Coverage for medical expenses

Medical payments and Personal Injury Protection insurance reimburse you for expenses such as doctor visits, EMT expenses and dental work. They are often utilized in addition to your health insurance policy or if there is no health insurance coverage. Coverage applies to you and your occupants in addition to getting struck while a pedestrian. Personal Injury Protection is not an option in every state but can be used in place of medical payments coverage

Coverage for uninsured or underinsured drivers

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when other motorists do not carry enough liability coverage. Covered losses include hospital bills for your injuries as well as damage to your 1998 Dodge Durango.

Because many people have only the minimum liability required by law, their liability coverage can quickly be exhausted. So UM/UIM coverage is a good idea. Usually your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.

Coverage for collisions

Collision coverage pays to fix your vehicle from damage caused by collision with an object or car. You have to pay a deductible then your collision coverage will kick in.

Collision insurance covers things such as crashing into a building, sideswiping another vehicle, driving through your garage door and crashing into a ditch. Collision coverage makes up a good portion of your premium, so you might think about dropping it from older vehicles. Drivers also have the option to increase the deductible in order to get cheaper collision rates.

Comprehensive auto insurance

This coverage pays for damage from a wide range of events other than collision. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive can pay for things such as damage from a tornado or hurricane, theft, a broken windshield, damage from getting keyed and falling objects. The highest amount you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.

Liability coverages

This will cover damages or injuries you inflict on other people or property by causing an accident. It protects YOU against claims from other people. Liability doesn’t cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show liability limits of 50/100/50 that means you have $50,000 in coverage for each person’s injuries, $100,000 for the entire accident, and property damage coverage for $50,000. Some companies may use a combined single limit or CSL which limits claims to one amount rather than limiting it on a per person basis.

Liability coverage protects against claims such as structural damage, medical expenses, emergency aid and repair costs for stationary objects. How much coverage you buy is your choice, but it’s cheap coverage so purchase higher limits if possible.

What is YOUR best insurance company?

In this article, we covered some good ideas how to shop for 1998 Dodge Durango insurance online. The most important thing to understand is the more quotes you get, the better likelihood of getting cheaper insurance coverage. You may even discover the lowest priced insurance comes from some of the smallest insurance companies. These smaller insurers may have significantly lower premium rates on certain market segments than the large multi-state companies such as Geico and State Farm.

Cheaper insurance is available online and also from your neighborhood agents, so get free insurance coverage quotes from both of them in order to have the best price selection to choose from. There are still a few companies who may not have the ability to get quotes online and usually these small insurance companies prefer to sell through local independent agents.

More learning opportunities

• Tread Depth and Tire Safety (State Farm)
• Child Safety FAQ (iihs.org)
• Frontal Crash Tests (iihs.org)
• Protecting Teens from Drunk Driving (Insurance Information Insitute)