2000 Dodge Durango Insurance Rates

Feeling guilty for buying an overpriced auto insurance policy? Don’t sweat it because you’re not alone.

You have multiple auto insurance companies to buy insurance from, and although it’s a good thing to be able to choose, more options can take longer to adequately compare rates.

Finding the best rates is not rocket science. If you currently have car insurance, you stand a good chance to be able to reduce your rates substantially using these techniques. Nevertheless, drivers need to learn the way insurance companies sell insurance online because it can help you find the best coverage.

Take advantage of every insurance coverage discount

Car insurance can cost a lot, but you might find some hidden discounts that may help make it more affordable. Certain discounts will be applied when you quote, but lesser-known reductions have to be manually applied before you will receive the discount.

• Discount for Life Insurance – Not all insurance coverage companies offer life insurance, but some may give you a small discount if you purchase a life policy as well.
• Discounts for Government Workers – Federal government employees can save as much as 8% on Durango insurance depending on your insurance coverage provider.
• Low Mileage Discounts – Driving fewer miles could qualify for cheaper prices.
• Defensive Driving Course – Successfully completing a driver safety course could earn you a small percentage discount and also improve your driving technique.
• Policy Bundle Discount – If you combine your homeowners and auto policies with one insurance company you may earn as much as 10 to 15 percent.
• Discounts for Seat Belt Usage – Drivers who require all occupants to buckle up may be able to save a few bucks off the medical payments premium.
• Early Payment Discounts – By paying your entire bill at once instead of making monthly payments you could save up to 5%.
• Anti-lock Brake Discount – Anti-lock brake equipped vehicles are much safer to drive and therefore earn up to a 10% discount.
• Military Discounts – Being on active deployment in the military can result in better insurance coverage rates.
• Student Discount for Driver Training – Cut your cost by having your teen driver enroll in driver’s education in school.

One last thing about discounts, most credits do not apply to the entire cost. The majority will only reduce specific coverage prices like collision or personal injury protection. Even though the math looks like having all the discounts means you get insurance for free, it just doesn’t work that way.

To see a list of companies with the best insurance coverage discounts, follow this link.

How to know if you need help

When buying the best car insurance coverage, there really is no “best” method to buy coverage. Everyone’s situation is unique so your insurance should reflect that Here are some questions about coverages that may help highlight whether or not you might need professional guidance.

• Will my insurance pay for OEM parts?
• Are all vehicle passengers covered by medical payments coverage?
• Does my personal policy cover me when driving out-of-state?
• Is my dog or cat covered if injured in an accident?
• Do I need replacement cost coverage on my 2000 Dodge Durango?
• Am I insured when driving a different vehicle?

If you can’t answer these questions, you might consider talking to a licensed insurance agent. To find an agent in your area, complete this form or you can go here for a list of companies in your area.

Information about specific coverages

Learning about specific coverages of a auto insurance policy helps when choosing the best coverages at the best deductibles and correct limits. Auto insurance terms can be confusing and reading a policy is terribly boring. Below you’ll find the usual coverages found on the average auto insurance policy.

Coverage for medical payments

Coverage for medical payments and/or PIP pay for expenses like X-ray expenses, funeral costs, EMT expenses and pain medications. The coverages can be used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. It covers you and your occupants as well as if you are hit as a while walking down the street. Personal injury protection coverage is not universally available but it provides additional coverages not offered by medical payments coverage

Uninsured and underinsured coverage

Uninsured or Underinsured Motorist coverage gives you protection from other drivers when they either are underinsured or have no liability coverage at all. It can pay for injuries sustained by your vehicle’s occupants and also any damage incurred 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. For this reason, having high UM/UIM coverages should not be overlooked.

Auto liability insurance

This provides protection from damage or injury you incur to a person or their property by causing an accident. This insurance protects YOU against claims from other people. It does not cover damage to your own property or vehicle.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see limits of 25/50/25 which means $25,000 bodily injury coverage, a per accident bodily injury limit of $50,000, and a limit of $25,000 paid for damaged property.

Liability coverage pays for things like structural damage, court costs, loss of income, pain and suffering and medical expenses. How much liability should you purchase? That is your choice, but buy as much as you can afford.

Comprehensive coverages

This coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive insurance covers claims such as fire damage, hitting a bird, vandalism, hail damage and damage from getting keyed. The highest amount you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Auto collision coverage

Collision coverage pays to fix your vehicle from damage caused by collision with another vehicle or an object, but not an animal. You will need to pay your deductible and then insurance will cover the remainder.

Collision coverage protects against things like sideswiping another vehicle, crashing into a ditch, driving through your garage door and crashing into a building. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from older vehicles. It’s also possible to choose a higher deductible in order to get cheaper collision rates.

Coverage on a shoestring budget

As you restructure your insurance plan, don’t be tempted to sacrifice coverage to reduce premiums. There are a lot of situations where an insured dropped physical damage coverage to discover at claim time that their decision to reduce coverage ended up costing them more. Your focus should be to get the best coverage possible at the best price, not the least amount of coverage.

In this article, we presented a lot of ways to compare 2000 Dodge Durango insurance premium rates online. The key concept to understand is the more price quotes you have, the more likely it is that you will get a better rate. Drivers may discover the best premium rates are with an unexpected company. Smaller companies may often insure only within specific states and give getter rates as compared to the big name companies such as Progressive or Geico.

Some insurance providers may not provide the ability to get quotes online and most of the time these smaller companies sell through independent agents. Cheap 2000 Dodge Durango insurance can be sourced on the web as well as from independent agents, so you need to compare both to get a complete price analysis.

More information can be found at these links:

• Auto Insurance Learning Center (State Farm)
• Understanding Your Insurance Deductible (Insurance Information Insitute)
• How Much Auto Coverage do I Need? (Insurance Information Insitute)
• Booster Seat Ratings (iihs.org)
• Steps to Take After an Auto Accident (Insurance Information Insitute)
• Tread Depth and Tire Safety (State Farm)