2005 Dodge Durango Insurance Cost – 6 Tips for Cheapest Prices

Searching for discount insurance on the web might appear challenging for beginners to comparing and buying insurance on the web. With literally dozens of companies, how can consumers efficiently compare every possible option in order to find the cheapest available price?

If you are paying for car insurance now, you will most likely be able to cut costs considerably using these techniques. The purpose of this post is to familiarize you with how to effectively get price quotes and some tricks to saving. Nevertheless, drivers do need to learn how big insurance companies sell online.

Cheaper insurance rates with discounts

Properly insuring your vehicles can get expensive, but there’s a good chance there are discounts that could drop your premiums quite a bit. Some discounts apply automatically when you quote, but a few need to be requested specifically prior to receiving the credit.

• Good Student – Excelling in school can be rewarded with saving of up to 25%. This discount can apply up until you turn 25.
• Good Driver Discount – Accident-free drivers can get discounts for up to 45% lower rates on Durango coverage than drivers with accident claims.
• Service Members Pay Less – Being deployed with a military unit could mean lower prices.
• Driver Safety – Taking time to complete a course that instructs on driving safety may get you a small discount and easily recoup the cost of the course.
• Use Seat Belts – Buckling up and requiring all passengers to buckle their seat belts may be able to save a few bucks on medical payment and PIP coverage.
• Discounts for Government Workers – Having worked for a branch of the government could provide a small rate reduction on Durango coverage depending on your company.

You should keep in mind that some of the credits will not apply to the overall cost of the policy. Some only apply to individual premiums such as liability and collision coverage. Even though the math looks like you can get free auto insurance, you aren’t that lucky.

Popular insurance companies and some of the premium reductions they offer include:

• Progressive has discounts for multi-vehicle, continuous coverage, online quote discount, homeowner, and multi-policy.
• SAFECO offers discounts including multi-car, accident prevention training, safe driver, bundle discounts, homeowner, anti-lock brakes, and teen safe driver.
• American Family offers discounts for accident-free, air bags, multi-vehicle, good student, and good driver.
• MetLife may have discounts that include multi-policy, good driver, accident-free, good student, claim-free, and defensive driver.
• Geico policyholders can earn discounts including defensive driver, air bags, emergency military deployment, daytime running lights, military active duty, and multi-vehicle.
• The Hartford offers premium reductions for vehicle fuel type, bundle, driver training, anti-theft, defensive driver, and good student.

If you need lower rates, check with all the companies which discounts you qualify for. Some of the discounts discussed earlier may not be available in your area. For a list of insurers that offer the discounts shown above, click here.

How to shop insurance online

There are several ways you can shop for insurance but some are easier and takes less work. You can spend your afternoon discussing policy coverages with insurance companies in your area, or you can stay home and use the internet to get pricing more quickly.

All the larger companies participate in a marketplace where prospective buyers send in one quote, and each participating company then returns a price quote based on the submitted data. This prevents consumers from doing repetitive form submissions to every company.

To fill out one form to compare multiple rates now click here (opens in new window).

The single downside to comparing rates this way is you cannot specify which providers you will receive quotes from. So if you prefer to choose from a list of companies to receive pricing from, we put together a list of the cheapest insurance companies in your area. Click here for list of insurance companies.

It’s your choice how you get your quotes, but be sure to compare identical coverage limits and deductibles for each quote you get. If you compare differing limits you will not be able to find the best deal for your Dodge Durango. Having just a slight variation in insurance coverages or limits could throw off the whole comparison. And when price shopping your coverage, comparing a wide range of rates increases the change that you will find lower pricing.

Tailor your insurance coverage coverage to you

When it comes to buying coverage, there is no best way to insure your cars. Everyone’s situation is a little different.

For instance, these questions might point out if your insurance needs might need an agent’s assistance.

• If I drive on a suspended license am I covered?
• When should I buy a commercial auto policy?
• What is the rate difference between pleasure use and commuting?
• Does my 2005 Dodge Durango qualify for pleasure use?
• Can I rent a car in Mexico?
• What is PIP insurance?
• Does my liability insurance cover pulling a trailer or camper?

If you’re not sure about those questions but a few of them apply, you may need to chat with an insurance agent. If you don’t have a local agent, fill out this quick form.

The coverage is in the details

Knowing the specifics of your car insurance policy can help you determine which coverages you need for your vehicles. Policy terminology can be difficult to understand and reading a policy is terribly boring.

Uninsured/Underinsured Motorist (UM/UIM)

Uninsured or Underinsured Motorist coverage gives you protection from other motorists when they do not carry enough liability coverage. Covered claims include hospital bills for your injuries as well as damage to your Dodge Durango.

Since many drivers carry very low liability coverage limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages is important protection for you and your family.

Comprehensive insurance

This coverage pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. A deductible will apply then your comprehensive coverage will pay.

Comprehensive coverage protects against things such as theft, hail damage, rock chips in glass and falling objects. The most you’ll receive from a claim is the cash value of the vehicle, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Collision coverage protection

This pays to fix your vehicle from damage resulting from a collision with an object or car. A deductible applies then the remaining damage will be paid by your insurance company.

Collision insurance covers things like driving through your garage door, crashing into a ditch, backing into a parked car and scraping a guard rail. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from lower value vehicles. Drivers also have the option to bump up the deductible in order to get cheaper collision rates.

Liability insurance

This coverage provides protection from injuries or damage you cause to other’s property or people in an accident. It protects you from legal claims by others, and doesn’t cover damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. You commonly see liability limits of 25/50/25 which stand for a $25,000 limit per person for injuries, $50,000 for the entire accident, and property damage coverage for $25,000.

Liability coverage protects against claims like structural damage, medical services, funeral expenses and bail bonds. How much coverage you buy is up to you, but it’s cheap coverage so purchase higher limits if possible.

Med pay and Personal Injury Protection (PIP)

Coverage for medical payments and/or PIP reimburse you for short-term medical expenses such as surgery, ambulance fees and EMT expenses. They are used in conjunction with a health insurance program or if you lack health insurance entirely. They cover all vehicle occupants and will also cover any family member struck as a pedestrian. Personal Injury Protection is not universally available and gives slightly broader coverage than med pay

Get your money’s worth

We just covered many ideas to reduce 2005 Dodge Durango insurance rates online. The key thing to remember is the more rate quotes you have, the higher the chance of saving money. Drivers may discover the best rates are with some of the lesser-known companies.

As you restructure your insurance plan, you should never buy lower coverage limits just to save a few bucks. There are a lot of situations where an insured cut liability limits or collision coverage and learned later that a couple dollars of savings turned into a financial nightmare. Your strategy should be to find the BEST coverage for the lowest cost while still protecting your assets.

Insureds leave their current company for a number of reasons such as questionable increases in premium, high rates after DUI convictions, an unsatisfactory settlement offer and high prices. Whatever your reason, switching companies is actually quite simple.

Additional articles

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• How Can I Save Money on Auto Insurance? (Insurance Information Insitute)
• Should I Purchase an Umbrella Liability Policy? (Insurance Information Insitute)
• Teen Driver Statistics (Insurance Information Insitute)
• Determining Your Vehicle’s Value and Repair Cost (Insurance Information Insitute)
• Car Insurance FAQ (Trusted Choice)