Lower Your 2002 Dodge Durango Insurance Cost

Searching for low-cost insurance for a Dodge Durango can normally be a painful process, but you can follow a few tricks and make it easy.

There is a right way and a wrong way to find insurance coverage online so we’re going to tell you the quickest way to compare rates for a new or used Dodge and obtain the cheapest rates.

It is always a good idea to price shop coverage on a regular basis because prices are adjusted regularly by insurance companies. If you had the best deal for Durango insurance last year you can probably find a lower rate today. Forget all the misinformation about insurance coverage because you’re about to learn the proper way to buy cheaper insurance coverage.

Ways to get insurance quotes

Most major insurance companies allow consumers to get prices direct online. Getting online quotes is possible for anyone because it’s just a matter of typing in the coverage amounts you desire into the form. After you complete the form, their quoting system gets your driving and credit reports and returns pricing information based on the data you entered.

This makes it simple to compare prices but the time required to go to different websites and type in the same information can be a bit tiresome and repetitive. But it is imperative to have as many quotes as possible if you want to get lower prices.

There is a better way!

An easier way to find better insurance pricing makes use of a single form that gets price quotes from more than one company. It saves time, requires much less work on your part, and makes price shopping online much more enjoyable. As soon as the form is sent, your coverage is rated and you are able to buy any of the resulting price quotes.

If a lower price is quoted, you simply finish the application and purchase coverage. It can be completed in a matter of minutes and may save quite a bit of money.

If you want to use this form to compare rates, simply click here to open in new window and submit your coverage information. To compare your current rates, we recommend you duplicate the coverage information as shown on your current policy. This guarantees you’re receiving comparison quotes for similar insurance coverage.

Do you qualify for discounts?

Insuring your vehicles can cost a lot, but companies offer discounts that may help make it more affordable. Certain discounts will be applied at quote time, but once in a while a discount must be asked about before you get the savings.

• Buy New and Save – Buying a new car model can save you some money compared to insuring an older model.
• Senior Citizen Rates – Older drivers can possibly qualify for a discount up to 10% for Durango insurance.
• Safety Restraint Discount – Drivers who require all vehicle occupants to buckle up before driving could save 15% off PIP or medical payments premium.
• Professional Memberships – Belonging to certain professional organizations could qualify you for a break on your policy.
• Good Students Pay Less – This discount can get you a discount of up to 25%. The good student discount can last up until you turn 25.
• Multiple Policy Discount – If you insure your home and vehicles with one insurance company you may earn nearly 15% which can help you find the cheapest car insurance.
• Multi-Vehicle Discounts – Purchasing coverage when you have multiple vehicles on one policy can get a discount for every vehicle.

Policy discounts save money, but most discount credits are not given the the whole policy. A few only apply to the cost of specific coverages such as collision or personal injury protection. So even though it sounds like you could get a free auto insurance policy, you’re out of luck.

To see a list of companies who offer auto insurance discounts, follow this link.

Don’t assume everyone needs the same insurance coverage coverage

When it comes to buying proper insurance coverage, there isn’t really a best way to insure your cars. Everyone’s situation is unique.

For instance, these questions may help you determine if your insurance needs could use an agent’s help.

• Do I need medical payments coverage since I have good health insurance?
• Am I covered when driving someone else’s vehicle?
• How much liability do I need to cover my assets?
• Can I drive in Mexico and have coverage?
• What can I do if my company denied a claim?
• Is my state a no-fault state?
• When does my teenage driver need to be added to my policy?
• Does my medical payments coverage pay my health insurance deductible?

If it’s difficult to answer those questions, you might consider talking to a licensed insurance agent. To find an agent in your area, simply complete this short form. It is quick, free and may give you better protection.

Specific coverages for a 2002 Dodge Durango

Having a good grasp of insurance can help you determine the right coverages and the correct deductibles and limits. Insurance terms can be difficult to understand and reading a policy is terribly boring.

Auto liability

Liability coverage can cover damage that occurs to a person or their property that is your fault. It protects you against claims from other people, and doesn’t cover damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. As an example, you may have values of 100/300/100 which stand for $100,000 bodily injury coverage, a per accident bodily injury limit of $300,000, and $100,000 of coverage for damaged propery. Another option is a combined single limit or CSL which limits claims to one amount and claims can be made without the split limit restrictions.

Liability can pay for claims like repair bills for other people’s vehicles, structural damage and loss of income. The amount of liability coverage you purchase is a personal decision, but you should buy as large an amount as possible.

Uninsured/Underinsured Motorist (UM/UIM)

This coverage protects you and your vehicle from other motorists when they do not carry enough liability coverage. Covered claims include medical payments for you and your occupants as well as damage to your Dodge Durango.

Because many people only carry the minimum required liability limits, their limits can quickly be used up. This is the reason having UM/UIM coverage should not be overlooked. Frequently these coverages are set the same as your liablity limits.

Comprehensive insurance

Comprehensive insurance coverage covers damage OTHER than collision with another vehicle or object. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive can pay for things like rock chips in glass, damage from flooding and hail damage. The maximum amount you can receive from a comprehensive claim is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Med pay and Personal Injury Protection (PIP)

Medical payments and Personal Injury Protection insurance kick in for short-term medical expenses like doctor visits, dental work and nursing services. They are used to fill the gap from your health insurance policy or if you lack health insurance entirely. Coverage applies to both the driver and occupants as well as being hit by a car walking across the street. Personal Injury Protection is only offered in select states but it provides additional coverages not offered by medical payments coverage

Collision insurance

This will pay to fix damage to your Durango caused by collision with an object or car. You have to pay a deductible then your collision coverage will kick in.

Collision can pay for claims like damaging your car on a curb, crashing into a ditch and driving through your garage door. This coverage can be expensive, so consider dropping it from older vehicles. Another option is to increase the deductible in order to get cheaper collision rates.