Cheap 2003 Dodge Durango Insurance Quotes

Trying to find the cheapest car insurance rates for your Dodge Durango? Finding low cost coverage rates for car insurance might be difficult for beginners to online price comparisons. With so many companies competing online, it can easily turn into a big hassle to locate the lowest coverage rates.

If you currently have a car insurance policy, you will be able to lower your premiums substantially using these methods. This article will help you learn how to effectively get price quotes and some tricks to saving. But drivers can benefit by having an understanding of how the larger insurance companies price online insurance and use this information to your advantage.

Find discounts to get cheap insurance rates

Car insurance is not cheap, but there’s a good chance there are discounts to help offset the cost. Most are applied at the time of purchase, but less common discounts must be requested specifically before they will apply.

• Renewal Discounts – Some companies provide a discount for buying a new policy before your current coverage expires. It could save around 10% when you buy insurance coverage online.
• Passenger Safety Discount – Options like air bags and/or automatic seat belt systems can get savings of up to 25% or more.
• Paperless Signup – Some larger companies give back up to $50 for completing your application digitally online.
• Drivers Ed for Students – Require your teen driver to complete a driver education course as it will make them better drivers and lower rates.
• Pay Now and Pay Less – By paying your entire bill at once instead of monthly or quarterly installments you could save 5% or more.
• Accident Forgiveness – This isn’t a discount exactly, but companies like Liberty Mutual and Geico allow you one accident without raising rates so long as you are claim-free prior to being involved in the accident.
• Theft Prevention System – Vehicles that have factory alarm systems and tracking devices prevent vehicle theft and will qualify for a discount on a insurance coverage quote.

Keep in mind that most discount credits are not given to the entire cost. Most only cut the cost of specific coverages such as medical payments or collision. So even though it sounds like you could get a free insurance policy, it doesn’t quite work that way.

A list of insurance companies and some of the premium reductions they offer are included below.

• Farmers Insurance discounts include multi-car, early shopping, alternative fuel, electronic funds transfer, and pay in full.
• State Farm offers discounts for multiple policy, multiple autos, Steer Clear safe driver discount, defensive driving training, driver’s education, and good driver.
• Liberty Mutual may have discounts that include multi-car, preferred payment discount, exclusive group savings, new vehicle discount, good student, and teen driver discount.
• MetLife policyholders can earn discounts including defensive driver, accident-free, good student, good driver, claim-free, and multi-policy.
• Progressive includes discounts for continuous coverage, good student, multi-vehicle, multi-policy, and online signing.

Check with every insurance company to give you their best rates. Savings may not apply to policies everywhere. To choose providers who offer free insurance quotes, click this link.

Tailor your insurance coverage coverage to you

When buying the right insurance coverage, there really is no perfect coverage plan. Coverage needs to be tailored to your specific needs.

For instance, these questions could help you determine whether or not you might need professional guidance.

• Where can I find DUI or SR-22 insurance?
• Will I be non-renewed for getting a DUI or other conviction?
• Why am I be forced to buy a membership to get insurance from some companies?
• Is my camper covered by my car insurance policy?
• Should I buy full coverage?
• When would I need rental car insurance?
• Is my state a no-fault state?

If it’s difficult to answer those questions, you may need to chat with an agent. If you want to speak to an agent in your area, complete this form.

Why you might not save $469 a year

Companies like State Farm, Geico and Progressive consistently run ads on television and other media. They all make an identical promise about savings just by moving your coverage. How do they all claim to save you money? This is how they do it.

Companies give the best rates for the right customer that makes them money. One example of a desirable risk might have to be a female over age 40, insures multiple vehicles, and has excellent credit. Any person that hits that “sweet spot” will get the preferred premium rates and will save when switching.

Consumers who do not meet those criteria will get a more expensive rate and this results in the customer not purchasing. If you listen closely, the ads state “customers that switch” not “everyone who quotes” save that kind of money. That is how companies can truthfully claim big savings. Because every company is different, you absolutely need to compare rate quotes every year. It’s just too difficult to predict with any certainty which company will be your best fit.

What car insurance coverages do you need?

Knowing the specifics of your car insurance policy helps when choosing the right coverages and proper limits and deductibles. Policy terminology can be difficult to understand and reading a policy is terribly boring.

Coverage for uninsured or underinsured drivers

Your UM/UIM coverage protects you and your vehicle from other drivers when they either have no liability insurance or not enough. Covered claims include medical payments for you and your occupants as well as damage to your Dodge Durango.

Since many drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

Coverage for medical expenses

Med pay and PIP coverage provide coverage for immediate expenses like chiropractic care, doctor visits, pain medications and funeral costs. They are used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. It covers both the driver and occupants and also covers if you are hit as a while walking down the street. PIP coverage is only offered in select states and gives slightly broader coverage than med pay

Collision coverage

Collision coverage pays for damage to your Durango caused by collision with another car or object. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against things such as hitting a parking meter, sideswiping another vehicle, backing into a parked car and sustaining damage from a pot hole. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Drivers also have the option to increase the deductible to get cheaper collision coverage.

Liability insurance

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

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. You might see limits of 50/100/50 which means a $50,000 limit per person for injuries, a per accident bodily injury limit of $100,000, and a limit of $50,000 paid for damaged property.

Liability coverage pays for things such as emergency aid, legal defense fees and pain and suffering. How much liability coverage do you need? That is your choice, but it’s cheap coverage so purchase as high a limit as you can afford.

Comprehensive car insurance

This coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive coverage protects against claims like hail damage, damage from flooding, falling objects, a broken windshield and fire damage. The maximum amount a car insurance company will pay at claim time is the market value of your vehicle, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Save your cold hard cash

Budget-friendly auto insurance is possible both online in addition to local insurance agencies, so you need to shop insurance coverage with both to have the best chance of lowering rates. Some auto insurance companies do not offer online quoting and these small, regional companies only sell coverage through local independent agencies.

We just showed you a lot of ways to lower your 2003 Dodge Durango insurance prices. The most important thing to understand is the more times you quote, the better likelihood of getting the cheapest insurance coverage. You may even discover the best price on auto insurance is with the least-expected company.

When buying insurance coverage, do not reduce coverage to reduce premium. There are many occasions where an accident victim reduced comprehensive coverage or liability limits to discover at claim time that saving that couple of dollars actually costed them tens of thousands. Your objective should be to buy the best coverage you can find at the best cost and still be able to protect your assets.

More tips and info about auto insurance is located at these sites:

• What to do at the Scene of an Accident (Insurance Information Insitute)
• Car Insurance for Teen Drivers with Divorced Parents (Allstate)
• How Can I Save Money on Auto Insurance? (Insurance Information Insitute)
• Determining Your Vehicle’s Value and Repair Cost (Insurance Information Insitute)
• Safety Features for Your New Car (State Farm)
• Where can I buy Insurance? (Insurance Information Insitute)