2004 Dodge Durango Insurance Rates

Trying to find cheaper auto insurance rates for your Dodge Durango? I doubt anyone likes paying for auto insurance, in particular when they are paying too much.

Online insurance companies like Geico, Farmers Insurance and State Farm all promote huge savings with catchy ads and it can be hard to see through the cute green geckos and mayhem and effectively compare rates to find the best deal.

If you have car insurance now, you will be able to cut costs considerably using this strategy. Finding affordable coverage is easy if you know what you’re doing. But vehicle owners need to have an understanding of how the larger insurance companies market on the web and use this information to your advantage.

Slash your insurance coverage rates with discounts

Companies do not advertise all disounts very clearly, so the next list breaks down some of the more common in addition to some of the lesser obvious credits that may apply to you.

• Multi-policy Discount – If you can combine your auto and home policy with the same insurance company you may earn approximately 10% to 15%.
• Good Driver Discount – Drivers who don’t get into accidents could pay up to 40% less for Durango coverage compared to rates paid by drivers with frequent claims.
• Theft Prevention Discount – Cars and trucks optioned with advanced anti-theft systems are stolen with less frequency so companies will give you a small discount.
• Auto/Life Discount – If the company offers life insurance, you could get better rates if you take out life insurance.
• Federal Government Employee – Having worked for a branch of the government can earn a discount up to 10% for Durango coverage with select insurance companies.
• Discounts for Seat Belt Usage – Drivers who require all vehicle occupants to use their safety belts may be able to save a few bucks off PIP or medical payments premium.

We need to note that most discount credits are not given to your bottom line cost. A few only apply to specific coverage prices like liability, collision or medical payments. So even though it sounds like all those discounts means the company will pay you, insurance coverage companies aren’t that generous. Any amount of discount should help lower the premium cost.

Companies that may offer policyholders some of the discounts shown above include:

• State Farm
• Liberty Mutual
• American Family
• Progressive
• Farmers Insurance
• Auto-Owners Insurance
• SAFECO

If you need lower rates, check with each company the best way to save money. Some discounts may not apply in your state. If you would like to choose from a list of insurers that offer multiple discounts, click this link.

You are unique and your insurance coverage should be too

When buying the right insurance coverage for your personal vehicles, there is no perfect coverage plan. Everyone’s situation is unique and your policy should reflect that. For example, these questions might point out whether or not you will benefit from professional help.

• Can I still get insurance after a DUI?
• What is no-fault insurance?
• What happens if I owe more than my 2004 Dodge Durango is worth?
• Am I covered if I break a side mirror?
• Does liability extend to a camper or trailer?
• Am I missing any policy discounts?

If it’s difficult to answer those questions, you may need to chat with a licensed insurance agent. To find an agent in your area, take a second and complete this form or you can go here for a list of companies in your area.

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

Popular insurance providers such as Progressive, Geico, Allstate and State Farm constantly bombard you with television, radio, and online ads. They all make the same claim about how much you will save just by moving your coverage. That’s great but how can every company lower your rates? It’s all in how they say it.

Different companies quote their cheapest rates for the type of driver that will generate a profit. An example of this type of risk profile might be between the ages of 30 and 50, has never had a claim, and the vehicle is rated for pleasure use. A propective insured who matches those parameters is entitled to the best price and as a result will probably save a lot of money.

Drivers who fall short of the “perfect” profile may be forced to pay a more expensive rate and the customer buying from a different company. If you pay close attention to the ads, they say “customers who switch” not “everyone who quotes” save that much. This is how insurance companies can make those statements.

This emphasizes why drivers should compare free insurance quotes often. It’s just too difficult to predict which company will have better prices than you’re paying now.

Car insurance specifics

Having a good grasp of your car insurance policy can be of help when determining the best coverages for your vehicles. Car insurance terms can be confusing and reading a policy is terribly boring. Shown next are the normal coverages offered by car insurance companies.

Comprehensive or Other Than Collision

This covers damage from a wide range of events other than collision. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for claims such as a broken windshield, vandalism and hail damage. The maximum amount you’ll receive from a claim is the cash value of the vehicle, so if the vehicle is not worth much consider dropping full coverage.

Liability insurance

This provides protection from damage or injury you incur to people or other property by causing an accident. This insurance protects YOU against claims from other people, and doesn’t cover your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see liability limits of 100/300/100 that means you have a $100,000 limit per person for injuries, a per accident bodily injury limit of $300,000, and a total limit of $100,000 for damage to vehicles and property. Alternatively, you may have a combined limit which combines the three limits into one amount without having the split limit caps.

Liability insurance covers things like funeral expenses, loss of income and legal defense fees. The amount of liability coverage you purchase is a decision to put some thought into, but it’s cheap coverage so purchase as much as you can afford.

UM/UIM Coverage

This coverage protects you and your vehicle’s occupants when other motorists either have no liability insurance or not enough. Covered claims include injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Since a lot of drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is a good idea. Most of the time your uninsured/underinsured motorist coverages are identical to your policy’s liability coverage.

Medical costs insurance

Personal Injury Protection (PIP) and medical payments coverage provide coverage for bills for things like prosthetic devices, X-ray expenses and dental work. They are often utilized in addition to your health insurance policy or if there is no health insurance coverage. They cover both the driver and occupants in addition to being hit by a car walking across the street. PIP is not universally available but it provides additional coverages not offered by medical payments coverage

Coverage for collisions

Collision coverage covers damage to your Durango resulting from colliding with an object or car. You will need to pay your deductible and then insurance will cover the remainder.

Collision coverage pays for things such as sideswiping another vehicle, hitting a mailbox and colliding with another moving vehicle. Collision coverage makes up a good portion of your premium, so consider removing coverage from lower value vehicles. Drivers also have the option to bump up the deductible in order to get cheaper collision rates.

Have money to burn

In this article, we covered some good ideas how you can compare 2004 Dodge Durango insurance rates online. The key concept to understand is the more providers you compare, the better chance you’ll have of finding inexpensive insurance. You may even discover the lowest rates are with a small mutual company. These companies may cover specific market segments cheaper than their larger competitors like Progressive and Geico.

Some companies may not have rate quotes online and many times these regional carriers provide coverage only through independent insurance agencies. Discount 2004 Dodge Durango insurance is possible from both online companies and from local insurance agents, so you need to compare both in order to have the best chance of saving money.

More information is available below:

• Cellphones, Texting and Driving (iihs.org)
• How Does Hitting a Deer Impact Insurance Rates? (Allstate)
• Distracted Driving Statistics (Insurance Information Insitute)
• Five Steps to Filing an Auto Insurance Claim (Insurance Information Insitute)
• Neck Injury FAQ (iihs.org)
• Top Signs Your Brakes are Giving Out (State Farm)