Save on 1999 Dodge Durango Insurance Rates

Finding low-cost insurance coverage on the internet may at first seem to be intimidating for drivers that are relatively new to buying their insurance coverage on the internet. With such a big selection of agents and online companies, how are drivers able to have a chance to compare every insurance coverage company to find better insurance coverage prices?

Consumers should take time to take a look at other company’s rates periodically because insurance coverage prices are constantly changing. Just because you had the lowest rates for Durango coverage two years ago you can probably find a lower rate today. Ignore everything you know about insurance coverage because you’re about to learn the tricks you need to know to find better coverage at a better price.

Learn how to get insurance coverage more affordably

Multiple criteria are part of the equation when you get a price on insurance. A few of the factors are predictable like an MVR report, although others are not quite as obvious like your continuous coverage or how safe your car is.The best way to find cheaper insurance coverage is to take a look at the rating factors that come into play when calculating your policy premiums. When you know what positively or negatively impacts premium levels, this enables informed choices that can earn you much lower annual insurance costs.

• Annual mileage impacts premiums – Driving a lot of miles each year the more you’ll pay to insure it. Most insurance companies price each vehicle’s coverage based upon how you use the vehicle. Vehicles that sit idle most of the time receive lower rates than vehicles that are driven to work every day. Improper usage on your Durango can cost quite a bit. Double check that your insurance coverage declarations sheet properly reflects how each vehicle is driven, because improper ratings can cost you money.
• Drive a safer car and pay less – Cars with high safety ratings can get you lower premiums. The safest vehicles have better occupant injury protection and better occupant protection means less money paid by your insurance company which can mean better rates for you.
• Liability protection is peace of mind – Your insurance coverage policy’s liability coverage will provide protection in the event that you are determined to be liable for causing damage or personal injury in an accident. Liability provides legal defense starting from day one. It is affordable coverage as compared to coverage for physical damage, so drivers should buy more than the minimum limits required by law.
• Older drivers save more – Teen drivers are statistically shown to get distracted easily behind the wheel and because of this, their insurance coverage rates are much higher. Adding a teen driver onto your insurance coverage can be quite pricey. More mature drivers tend to be more responsible, cause fewer claims and accidents , and are generally more financially stable.
• Guys tend to take more risk – The statistics show that females tend to be a little less risky than males. However, this does not mean females are better at driving than males. Both genders cause auto accidents in similar numbers, but the males have costlier accidents. They also receive more costly citations like DWI (DUI) or reckless driving. Youthful male drivers tend to get in the most accidents and are penalized with high insurance coverage rates.
• Use but don’t abuse your insurance – If you are the type of insured that files lots of claims you can look forward to higher premiums or even policy non-renewal. Insurance companies provide the lowest premiums to insureds who only file infrequent claims. Your car insurance is intended for more catestrophic claims.

Buy insurance online

Most major insurance companies like Progressive, Geico, Allstate and State Farm make it easy to get prices for coverage on their websites. The process is fairly simple because you just enter your coverage preferences into a form. Once entered, their system pulls your driving and credit reports and gives you a price quote based on the data you entered.

This simplifies rate comparisons, but the work required to visit a lot of sites and type in the same information can be a bit repetitive. But it’s absolutely necessary to compare as many rates as possible in order to get the best price on insurance.

A better way to locate the lowest prices uses one form that gets price quotes from more than one company. This type of form saves time, eliminates repetitive work, and makes quoting online much more enjoyable. Once the form is submitted, it is rated and you are able to buy any or none of the quotes returned.

If a lower price is quoted, you can click and sign and buy the policy. The whole process takes 15 minutes at the most and you’ll know if lower rates are available.

To compare pricing, click here to open in new window and input your coverage information. If you have your current policy handy, we recommend you complete the form with your coverages as close as possible to your current policy. Doing this guarantees you will have a price comparison using the same coverage and limits.

But the ad said I’d save 15% in 15 minutes!

Big name companies like Progressive, Geico, Allstate and State Farm consistently run ads in print and on television. They all seem to make the same claim that drivers can save some big amount if you get a free auto insurance quote and switch to their company. How does every insurance coverage company give you a lower rate? You have to listen carefully.

Companies have specific characteristics for a prospective insured that will be a good risk. For instance, this type of insured might have to be between the ages of 30 and 50, carries high limits, and has a high credit rating. A customer getting a price quote that fits those parameters will probably get the lowest prices and have a good chance to save money with a new company.

Potential insureds who fall short of these standards will probably be forced to pay a higher rate and the driver buying from a lower-cost company. If you listen closely, the ads state “people who switch” not “all people who quote” save the amount stated. This is how companies can make it sound like they have such great rates.

This emphasizes why you need to quote coverage with many companies. It’s just not possible to know which insurance companies will have the lowest rate quotes.

These discounts can lower your auto insurance rates

The price of auto insurance can be rather high, but you may find discounts to help offset the cost. Some of these disounts will be visible at the time you complete a quote, but some must be manually applied before they will apply. If you do not double check each discount you qualify for, you’re just leaving money on the table.

• Safe Drivers – Drivers who avoid accidents could pay up to 40% less for Durango coverage as compared to drivers with claims.
• Auto/Life Discount – Companies who offer life insurance give a discounted price on car insurance if you buy some life insurance in addition to your auto policy.
• New Car Discount – Insuring a new car can get you a discount compared to insuring an older model.
• Onboard Data Collection – Drivers who elect to allow data collection to analyze driving patterns by using a telematic data system like In-Drive from State Farm and Progressive’s Snapshot could possibly reduce rates if they exhibit good driving behavior.
• Low Miles Discount – Maintaining low annual mileage could earn lower premium rates due to less chance of an accident.
• Bundled Policy Discount – If you have multiple policies with one insurance company you could get a discount of nearly 15% which can help you find low cost auto insurance.

Discounts lower rates, but most discounts do not apply the the whole policy. Some only reduce the price of certain insurance coverages like medical payments or collision. So despite the fact that it appears all the discounts add up to a free policy, companies wouldn’t make money that way.

The best auto insurance companies and a summarized list of policyholder discounts can be found below.

• State Farm may have discounts that include student away at school, passive restraint, anti-theft, good student, and safe vehicle.
• Farmers Insurance offers discounts including switch companies, teen driver, business and professional, good student, pay in full, multi-car, and alternative fuel.
• Progressive includes discounts for good student, online signing, continuous coverage, online quote discount, and homeowner.
• Geico offers premium reductions for federal employee, five-year accident-free, good student, multi-policy, military active duty, and emergency military deployment.
• Auto-Owners Insurance offers discounts for good student, air bags, multiple vehicles, paid in full, safe driver, and anti-lock brakes.
• The Hartford has savings for bundle, vehicle fuel type, air bag, driver training, and good student.
• Farm Bureau policyholders can earn discounts including multi-policy, driver training, renewal discount, multi-vehicle, youthful driver, good student, and 55 and retired.
• USAA may offer discounts for good student, defensive driver, military installation, annual mileage, and loyalty savings.

When getting free auto insurance quotes, it’s a good idea to every company to apply every possible discount. Discounts may not apply in your area. To choose providers who offer free auto insurance quotes, click here.

Different people need different car insurance coverages

When it comes to choosing the best car insurance coverage for your vehicles, there really is no “best” method to buy coverage. Your needs are not the same as everyone else’s.

These are some specific questions could help you determine whether your personal situation would benefit from professional advice.

• Who is covered when they drive my 1999 Dodge Durango?
• How much liability coverage do I need in my state?
• Is other people’s property covered if stolen from my vehicle?
• When should I drop full coverage on my 1999 Dodge Durango?
• Where can I get insurance after a DUI in my state?
• Is a fancy paint job covered?
• When should my teen driver be added to my policy?
• Should I carry comprehensive and collision coverage?
• Where can I find DUI or SR-22 insurance?
• Is my vehicle covered by my employer’s policy when using it for work?

If you’re not sure about those questions but you know they apply to you, you may need to chat with a licensed insurance agent. If you don’t have a local agent, simply complete this short form.

Insurance coverage specifics

Having a good grasp of your insurance policy aids in choosing the best coverages for your vehicles. Insurance terms can be confusing and nobody wants to actually read their policy.

Comprehensive or Other Than Collision – Comprehensive insurance will pay to fix 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 claims like rock chips in glass, hail damage, hitting a deer and damage from a tornado or hurricane. The highest amount your insurance company will pay is the cash value of the vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Liability car insurance – Liability insurance protects you from damage or injury you incur to a person or their property that is your fault. It protects YOU from legal claims by others, and doesn’t cover your injuries or vehicle damage.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see values of 100/300/100 which stand for a limit of $100,000 per injured person, $300,000 for the entire accident, and a limit of $100,000 paid for damaged property. Another option is a combined limit which limits claims to one amount without having the split limit caps.

Liability coverage pays for claims like emergency aid, structural damage, repair bills for other people’s vehicles and attorney fees. How much liability coverage do you need? That is up to you, but you should buy as high a limit as you can afford.

UM/UIM Coverage – This gives you protection when other motorists are uninsured or don’t have enough coverage. Covered losses include injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Since many drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is very important. Normally the UM/UIM limits are set the same as your liablity limits.

Collision coverages – This pays to fix your vehicle from damage resulting 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 protects against claims like damaging your car on a curb, crashing into a ditch, hitting a mailbox, driving through your garage door and rolling your car. Paying for collision coverage can be pricey, so consider removing coverage from older vehicles. It’s also possible to bump up the deductible to get cheaper collision coverage.

Medical costs insurance – Med pay and PIP coverage pay for immediate expenses like ambulance fees, rehabilitation expenses, dental work and hospital visits. They are used in conjunction with a health insurance policy or if there is no health insurance coverage. It covers all vehicle occupants as well as if you are hit as a while walking down the street. Personal Injury Protection is not universally available but can be used in place of medical payments coverage

One last thing about your coverage

People who switch companies do it for a variety of reasons including high rates after DUI convictions, policy non-renewal, delays in paying claims and even questionable increases in premium. It doesn’t matter what your reason, finding a new company is easier than you think.

We’ve covered many ways to save on 1999 Dodge Durango insurance. It’s most important to understand that the more price quotes you have, the better your chances of lowering your auto insurance rates. You may even find the most savings is with some of the smallest insurance companies.

When searching for inexpensive auto insurance quotes, it’s a bad idea to sacrifice coverage to reduce premiums. Too many times, consumers will sacrifice collision coverage only to regret that their decision to reduce coverage ended up costing them more. Your objective should be to find the BEST coverage at the best possible price while still protecting your assets.

Helpful articles

• Car Insurance: When not to Skimp (BankRate.com)
• Alcohol Impaired Driving FAQ (iihs.org)
• Reducing Your Risks in a Car Crash Video (iihs.org)
• Property Damage Coverage (Liberty Mutual)