Save on 2006 Dodge Durango Insurance Cost

Nobody I know looks forward to paying premiums for insurance coverage, in particular when the cost is too high. Big-name insurance companies like Progressive, State Farm and Geico all promote huge savings with ad campaigns and it is difficult to see past the geckos and flying pigs and take the time to shop coverage around.

If you have a policy now or are just looking to switch companies, you can use this information to get lower rates while maximizing coverage. Buying car insurance is easy if you know what you’re doing. Consumers only need an understanding of the proper way to find the lowest price online.

The Dodge Durango insurance premium equation

An important part of buying insurance is that you know some of the elements that are used to determine the level of your policy premiums. When you understand what positively or negatively impacts your premiums, this enables informed choices that may reward you with lower rates. Lots of factors are taken into consideration when you get a price on insurance. Some are pretty understandable like an MVR report, but other factors are more obscure like where you live or your financial responsibility.

The list below includes a partial list of the pieces used by companies to determine premiums.

• Keep claims to a minimum – If you’re an insured who likes to file claims don’t be surprised to see higher rates. Companies generally give most affordable rates to policyholders who file claims infrequently. Your insurance policy is intended to be relied upon for more catestrophic claims.
• Annual mileage and car insurance prices – The more you drive your Dodge every year the more you’ll pay to insure your vehicle. Many insurance companies charge rates determined by how the vehicle is used. Vehicles used primarily for pleasure use can be on a lower rate level than vehicles that have high annual mileage. Having an incorrect usage rating on your Durango may be wasting your money. Verify your auto insurance coverage properly reflects the correct driver usage.
• Raising physical damage deductibles saves money – Protection for physical damage, otherwise known as comp (or other than collision) and collision, is used to repair damage to your vehicle. A few examples of covered claims are running into the backend of another car, flood damage, and damage from a fallen tree branch. Deductibles for physical damage are the amount of money you are willing to pay if a covered claim is submitted. The more expense the insured is willing to pay, the lower your rates will be for Durango insurance.
• Cheaper to insure women? – Over the last 30 years, statistics show women are more cautious behind the wheel. The data does not necessarily mean that females are better drivers. Both genders get in at-fault accidents at about the same rate, but men have costlier accidents. Men also statistically get more serious tickets such as driving while intoxicated (DWI) or driving recklessly.
• Safer occupants lowers rates – Vehicles that have high safety ratings can get you lower premiums. Safer cars reduce the chance of injuries and any reduction in injury severity translates directly to fewer claims which can mean better rates for you.
• Youthful drivers cost more – Older people are shown to be more cautious, cause fewer claims and accidents and tend to be get fewer driving tickets.Beginning drivers are statistically proven to be inattentive when driving with friends and because of this, their auto insurance rates are much higher.
• More traffic equals higher prices – Residing in small towns and rural areas is a positive aspect if you are looking for the lowest rates. Fewer drivers means less chance of accidents and also fewer theft and vandalism claims. Residents of big cities tend to have more aggressive driving styles and more time behind the wheel. More time on the road translates into higher accident risk.

Discounts for cheap auto insurance rates

Some insurance providers don’t always list every discount they offer in a way that’s easy to find, so the next list breaks down some of the more common as well as some of the hidden credits that may apply to you.

• Discounts for New Vehicles – Insuring a vehicle that is new can cost up to 25% less since new vehicles are generally safer.
• College Student – who live away from home at college and do not have access to a covered vehicle can be insured at a reduced rate.
• No Charge for an Accident – Not necessarily a discount, but some insurance companies may permit one accident before your rates go up with the catch being you have to be claim-free prior to the accident.
• Passive Restraints and Air Bags – Factory air bags and/or automatic seat belt systems may qualify for discounts of up to 25% or more.
• Telematics Data – Policyholders that allow data collection to track vehicle usage by using a telematic data system like Allstate’s Drivewise could possibly reduce rates if they are good drivers.
• Braking Control Discount – Cars, trucks, and SUVs with ABS braking systems or traction control can reduce accidents and qualify for as much as a 10% discount.
• Drivers Ed for Students – Reduce the cost of insurance for teen drivers by having them successfully complete driver’s ed class in high school.

One thing to note about discounts is that some of the credits will not apply to all coverage premiums. Some only apply to specific coverage prices like physical damage coverage or medical payments. Just because you may think all the discounts add up to a free policy, it doesn’t quite work that way.

Larger auto insurance companies and a partial list of their discounts are shown below.

• 21st Century has discounts for early bird, theft prevention, driver training, teen driver, student driver, good student, and automatic seat belts.
• Progressive may offer discounts for homeowner, online signing, multi-vehicle, online quote discount, and continuous coverage.
• State Farm includes discounts for anti-theft, good student, driver’s education, passive restraint, defensive driving training, Steer Clear safe driver discount, and multiple policy.
• Nationwide offers premium reductions for Farm Bureau membership, easy pay, anti-theft, family plan, good student, and accident-free.
• Esurance policyholders can earn discounts including renters, DriveSense, Pac-12 alumni, emergency road assistance, good student, homeowner, and anti-lock brakes.
• The Hartford has savings for defensive driver, good student, air bag, anti-theft, vehicle fuel type, and driver training.

When quoting, ask every company what discounts are available to you. Some of the discounts discussed earlier might not be offered in your area. For a list of auto insurance companies that offer many of these discounts, click here to view.

Tailor your insurance coverage to you

When choosing the best insurance coverage, there isn’t really a “best” method to buy coverage. Coverage needs to be tailored to your specific needs so your insurance needs to address that. For instance, these questions may help highlight whether you could use an agent’s help.

• Does my personal policy cover me when driving out-of-state?
• Am I covered by my employer’s commercial auto policy when driving my personal car for business?
• How do I file an SR-22 for a DUI in my state?
• Can my teen drive my company car?
• How can I force my company to pay a claim?
• Are all vehicle passengers covered by medical payments coverage?
• How high should deductibles be on a 2006 Dodge Durango?

If you’re not sure about those questions then you might want to talk to an insurance agent. To find lower rates from a local agent, take a second and complete this form or go to this page to view a list of companies. It’s fast, free and may give you better protection.

Car insurance coverage specifics

Understanding the coverages of your car insurance policy helps when choosing the right coverages for your vehicles. The coverage terms in a policy can be difficult to understand and even agents have difficulty translating policy wording. Below you’ll find typical coverages found on most car insurance policies.

Coverage for collisions

This will pay to fix damage to your Durango caused by collision with another vehicle or an object, but not an animal. A deductible applies then your collision coverage will kick in.

Collision coverage protects against things such as crashing into a ditch, damaging your car on a curb and colliding with a tree. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are older. Drivers also have the option to bump up the deductible to get cheaper collision coverage.

Medical expense coverage

Personal Injury Protection (PIP) and medical payments coverage provide coverage for short-term medical expenses for rehabilitation expenses, pain medications and ambulance fees. They are often used in conjunction with a health insurance plan or if you are not covered by health insurance. Medical payments and PIP cover both the driver and occupants as well as being hit by a car walking across the street. Personal injury protection coverage is not available in all states but can be used in place of medical payments coverage

Liability auto insurance

Liability insurance provides protection from damages or injuries you inflict on other’s property or people. It protects you from legal claims by others. Liability doesn’t cover your injuries or vehicle damage.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see liability limits of 50/100/50 that means you have $50,000 bodily injury coverage, $100,000 for the entire accident, and a total limit of $50,000 for damage to vehicles and property. Alternatively, you may have one number which is a combined single limit which combines the three limits into one amount and claims can be made without the split limit restrictions.

Liability coverage protects against things such as emergency aid, structural damage, funeral expenses, repair costs for stationary objects and legal defense fees. The amount of liability coverage you purchase is a decision to put some thought into, but you should buy as much as you can afford.

Comprehensive protection

Comprehensive insurance coverage pays for damage that is not covered by collision coverage. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for things like hail damage, falling objects, damage from flooding and theft. The most a car insurance company will pay at claim time is the actual cash value, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Uninsured or underinsured coverage

Uninsured or Underinsured Motorist coverage provides protection from other drivers when they either are underinsured or have no liability coverage at all. This coverage pays for medical payments for you and your occupants and damage to your 2006 Dodge Durango.

Due to the fact that many drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea. Most of the time the UM/UIM limits are identical to your policy’s liability coverage.

Never pay more for less

We just showed you many ways to get a better price on 2006 Dodge Durango insurance. It’s most important to understand that the more rate quotes you have, the higher your chance of finding cheaper insurance. You may even find the most savings is with some of the smallest insurance companies. Smaller companies may only write in your state and offer lower car insurance rates than the large multi-state companies such as Progressive or Geico.

As you prepare to switch companies, you should never sacrifice coverage to reduce premiums. There have been many cases where an insured cut collision coverage and found out when filing a claim that a couple dollars of savings turned into a financial nightmare. The aim is to find the BEST coverage at the best price, but do not sacrifice coverage to save money.

For more information, feel free to visit the following helpful articles:

• Teen Driving Statistics (iihs.org)
• Teen Driving and Texting (State Farm)
• Tread Depth and Tire Safety (State Farm)
• Understanding Your Insurance Deductible (Insurance Information Insitute)
• How Much Auto Coverage do I Need? (Insurance Information Insitute)
• What is Full Coverage? (Allstate)