2001 Dodge Durango Insurance Quotes – 9 Policy Discounts

Searching for the cheapest insurance coverage rates for your Dodge Durango? Locating the cheapest insurance for a new or used Dodge Durango can be a lot of work, but you can use these tips and make it easy.

There is a better way to buy insurance coverage so you’re going to learn the proper way to price shop coverage for a Dodge and locate the lowest possible price from local insurance agents and online providers.

If you are insured now or need a new policy, you can use these techniques to get lower rates while maintaining coverages. Pricing the best coverage is easy if you know what you’re doing. Drivers only need an understanding of the tricks to get comparison rates online.

Free car insurance rate quotes

Shopping for lower car insurance rates is a ton of work if you don’t know the easiest way. You could spend your day discussing policy coverages with agents in your area, or you could use online quotes to quickly compare rates.

Most of the best insurance companies enroll in a system where prospective buyers submit their information once, and every company returns a competitive quote based on the submitted data. This saves time by eliminating quote requests to each individual car insurance company. To find out how much you can save on car insurance click here (opens in new window).

The one downside to doing it this way is that you can’t choose the providers to get quotes from. So if you prefer to choose specific providers to compare rates, we have a page of car insurance companies in your area. Click to view list.

However you get your quotes, ensure you’re using nearly identical coverages for each quote you get. If you use mixed coverages it will be next to impossible to determine the lowest rate for your Dodge Durango.

Cheaper auto insurance quotes with discounts

The price of auto insurance can be rather high, but discounts can save money and there are some available that can drop the cost substantially. Many discounts should be triggered when you purchase, but a few must be specially asked for before they will apply. If you are not receiving all the discounts possible, you’re just leaving money on the table.

• Driver’s Ed – Have your child complete a driver education course in school.
• College Student Discount – Kids who live away from home at college and do not have a car can be insured at a reduced rate.
• Accident Free – Drivers with accident-free driving histories can save substantially as compared to accident-prone drivers.
• Telematics Data Discounts – Drivers who elect to allow their auto insurance company to analyze vehicle usage by using a telematic data system like In-Drive from State Farm and Progressive’s Snapshot could save a few bucks if they show good driving skills.
• Low Miles Discount – Fewer annual miles on your Dodge can qualify you for substantially lower prices.
• Save with a New Car – Buying a new car instead of a used car is cheaper compared to insuring an older model.
• Use Seat Belts – Drivers who always wear seat belts and also require passengers to use their safety belts can save 10% or more off the PIP or medical payment premium.
• Lower Rates for Military – Having a deployed family member may qualify for rate reductions.
• Good Student Discount – Being a good student could provide a savings of up to 20% or more. The discount lasts up to age 25.

We need to note that most discount credits are not given to your bottom line cost. Some only apply to the cost of specific coverages such as liability and collision coverage. So when it seems like it’s possible to get free car insurance, it’s just not the way it works.

A few of the larger companies and a selection of discounts include:

• Farm Bureau offers premium reductions for multi-vehicle, youthful driver, good student, 55 and retired, safe driver, and driver training.
• State Farm discounts include safe vehicle, passive restraint, anti-theft, student away at school, and multiple autos.
• Progressive offers discounts including multi-policy, multi-vehicle, online quote discount, online signing, and good student.
• Allstate offers discounts for anti-lock brakes, resident student, EZ pay plan discount, premier discount, FullPay discount, and senior citizen.
• Nationwide may have discounts that include accident-free, easy pay, Farm Bureau membership, defensive driving, business or organization, family plan, and good student.
• MetLife has savings for good driver, multi-policy, claim-free, accident-free, defensive driver, good student

When getting free insurance quotes, it’s a good idea to all the companies the best way to save money. A few discounts might not apply in every state. If you would like to choose from a list of insurance companies with the best discounts, click this link.

Tailor your insurance coverage coverage to you

When choosing proper insurance coverage for your vehicles, there is no perfect coverage plan. Everyone’s needs are different.

These are some specific questions may help highlight if you would benefit from professional advice.

• Is there coverage for injuries to my pets?
• When does my teenage driver need to be added to my policy?
• Do I need medical payments coverage since I have good health insurance?
• How do I insure my teen driver?
• What can I do if my company denied a claim?
• How much can I save by bundling my policies?
• What if I owe more than I can insure my car for?
• Am I covered when renting a car or should I buy coverage from the car rental agency?
• Does my 2001 Dodge Durango need full coverage?

If you’re not sure about those questions but one or more may apply to you then you might want to talk to a licensed insurance agent. To find lower rates from a local agent, simply complete this short form. It only takes a few minutes and you can get the answers you need.

Car insurance ads are enticing

Drivers can’t escape the ads that claim the best prices by companies like 21st Century, Allstate and State Farm. They all seem to seem to make the promise that drivers can save some big amount if you change your policy.

How does every company sell you cheaper insurance coverage?

Most companies require specific criteria for a prospective insured that will be a good risk. One example of this type of risk profile might be described as a female over age 40, carries high limits, and drives a vehicle with a low ISO rating. A customer who matches that profile will qualify for the lowest prices as well as save some money.

People who do not meet the requirements will get a higher rate which usually ends up with the customer buying from a different company. The ads state “drivers that switch” not “all people who quote” save that much money. That is how companies can truthfully make claims like that.

Because of these techniques, you should compare rate quotes every year. It’s impossible to know which insurance companies will provide the lowest auto insurance rates.

Insurance specifics

Knowing the specifics of your insurance policy aids in choosing the best coverages and the correct deductibles and limits. Insurance terms can be impossible to understand and nobody wants to actually read their policy.

Liability car insurance – This will cover injuries or damage you cause to a person or their property by causing an accident. Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have policy limits of 100/300/100 which means a $100,000 limit per person for injuries, a limit of $300,000 in injury protection per accident, and a total limit of $100,000 for damage to vehicles and property. Occasionally you may see a combined single limit or CSL that pays claims from the same limit and claims can be made without the split limit restrictions.

Liability can pay for things such as repair bills for other people’s vehicles, court costs, medical expenses, bail bonds and medical services. How much liability should you purchase? That is a personal decision, but it’s cheap coverage so purchase as much as you can afford.

Collision – This pays for damage to your Durango resulting from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for things like crashing into a building, colliding with another moving vehicle, backing into a parked car, hitting a mailbox and crashing into a ditch. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are older. Another option is to bump up the deductible in order to get cheaper collision rates.

Insurance for medical payments – Coverage for medical payments and/or PIP reimburse you for expenses for things like prosthetic devices, pain medications, EMT expenses, dental work and rehabilitation expenses. They are utilized in addition to your health insurance policy or if there is no health insurance coverage. They cover you and your occupants in addition to if you are hit as a while walking down the street. Personal Injury Protection is not available in all states and may carry a deductible

Uninsured Motorist or Underinsured Motorist insurance – This provides protection when the “other guys” either have no liability insurance or not enough. 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, it only takes a small accident to exceed their coverage. So UM/UIM coverage is important protection for you and your family. Normally these coverages are set the same as your liablity limits.

Comprehensive coverage (or Other than Collision) – Comprehensive insurance coverage will pay to fix damage that is not covered by collision coverage. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for things like a broken windshield, hail damage, damage from a tornado or hurricane and hitting a bird. The highest amount you can receive from a comprehensive claim is the actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.

Quote more, save more

People who switch companies do it for many reasons like unfair underwriting practices, delays in paying claims, high prices or even denial of a claim. No matter why you want to switch, switching companies is pretty easy and you might even save some money in the process.

When getting insurance quotes online, it’s very important that you do not reduce coverage to reduce premium. In too many instances, someone dropped collision coverage only to discover later that it was a big error on their part. The proper strategy is to buy enough coverage at the best possible price, not the least amount of coverage.

More affordable insurance can be purchased both online and also from your neighborhood agents, and you need to comparison shop both in order to have the best price selection to choose from. Some companies don’t offer the ability to get a quote online and most of the time these regional carriers sell through local independent agencies.

Additional resources

• Auto Insurance 101 (About.com)
• What does Personal Injury Protection (PIP) Cover? (Allstate)
• Neck Injury FAQ (iihs.org)
• Understanding Rental Car Insurance (Insurance Information Insitute)
• Understanding your Policy (NAIC.org)
• Things to Know Before you Cancel Insurance (Allstate)