2007 Dodge Durango Insurance Rates – 9 Discounts for Best Quotes

Looking for the cheapest car insurance rates for your Dodge Durango? Are you burned out from sacrificing to pay your car insurance bill each month? You’re in the same situation as many other vehicle owners. There are many insurance companies to buy insurance from, and though it is a good thing to have a selection, lots of choices makes it harder to find a good deal.

Choosing the best insurance company for you is quite easy. If you are paying for car insurance now, you stand a good chance to be able to save some money using these methods. Consumers only need an understanding of the tricks to compare price quotes online.

How to compare free insurance quotes

Reducing your 2007 Dodge Durango insurance rates is actually easier than you may think. The only thing you need to do is take the time getting comparison quotes to discover which company has affordable car insurance quotes. Shoppers can get rates by using one of the methods below.

1. If you are pressed for time, the simplest way to find the lowest comparison rates would be an industry-wide quote request form click here to open form in new window. This quick form eliminates the need for repetitive form entry to each individual insurance company. Taking the time to complete one form gets coverage cost estimates from multiple companies.
2. A more time consuming way to find better pricing requires you to visit the website for every company you want to comare and fill out their own quote form. For sake of this example, we’ll pretend you want to compare prices for Liberty Mutual, Safeco and State Farm. You would be required to go to each individual site to enter the same coverage data repeatedly, which can get old fast.

   For a list of companies in your area, click here.

3. The final method to compare rates is to spend your day driving to insurance agents’ offices. Doing it all online has made agencies unnecessary unless you prefer the professional abilities of a licensed agent. If you prefer, some companies allow you to get prices online but still have the advice of a local agent.

It doesn’t matter which method you choose, just make sure you compare the same information for each price quote. If you compare different coverage information you will not be able to determine which company has the best rates.

Nine discounts for cheap car insurance rates

Insurance can cost an arm and a leg, but you might already qualify for some discounts that can drop the cost substantially. Certain credits will be shown when you get a quote, but some must be specifically requested before they will apply.

• No Claim Discounts – Drivers who don’t have accidents are rewarded with significantly better rates on car insurance quote when compared to drivers with a long claim history.
• Employee of Federal Government – Active or former government employment may reduce rates when you quote car insurance for Durango insurance with select insurance companies.
• Anti-theft Discount – Cars and trucks equipped with anti-theft or alarm systems have a lower chance of being stolen and can earn a small discount on your policy.
• Senior Citizen Discount – If you’re over the age of 55, you may qualify for a slight reduction on a car insurance quote for Durango insurance.
• Low Miles Discount – Driving fewer miles may enable drivers to earn cheaper rates.
• Life Insurance Discount – Not all car insurance companies offer life insurance, but some may give you a discounted price on car insurance if you buy some life insurance in addition to your auto policy.
• Drivers Ed for Students – Require your teen driver to participate in a local driver’s education class if it’s offered in school.
• Smart Student Discounts – Being a good student may save you up to 25%. Most companies allow this discount well after school through age 25.
• Air Bag Discount – Factory options such as air bags and/or automatic seat belt systems could see savings of 20% or more.

Discounts reduce rates, but you should keep in mind that most discounts do not apply to all coverage premiums. Most only apply to the cost of specific coverages such as collision or personal injury protection. Just because you may think all those discounts means the company will pay you, company stockholders wouldn’t be very happy.

A few popular companies and some of their more popular discounts are shown below.

• State Farm policyholders can earn discounts including anti-theft, student away at school, Drive Safe & Save, Steer Clear safe driver discount, and good student.
• Geico may have discounts that include defensive driver, anti-lock brakes, air bags, daytime running lights, military active duty, and multi-policy.
• SAFECO may include discounts for teen safety rewards, teen safe driver, bundle discounts, homeowner, accident prevention training, anti-theft, and drive less.
• Farmers Insurance discounts include electronic funds transfer, business and professional, good student, bundle discounts, teen driver, and multi-car.
• AAA has savings for multi-policy, education and occupation, good driver, anti-theft, AAA membership discount, pay-in-full, and multi-car.
• USAA offers discounts for driver training, family discount, multi-vehicle, safe driver, good student, vehicle storage, and annual mileage.

When getting free car insurance quotes, it’s a good idea to all companies you are considering which credits you are entitled to. Depending on the company, some discounts might not be offered on policies in every state. To find insurance companies with discount car insurance rates, click here.

Tailor your auto insurance coverage to you

When it comes to buying adequate coverage, there really is no cookie cutter policy. Every insured’s situation is different and your policy should reflect that. Here are some questions about coverages that may help you determine whether your personal situation would benefit from professional advice.

• Will I lose any money if I cancel my policy before it expires?
• Should I have combined single limit or split liability limits?
• Will my vehicle be repaired with OEM or aftermarket parts?
• Is my babysitter covered when using my vehicle?
• Does coverage extend to my business vehicle?
• Does my policy cover me when driving someone else’s vehicle?
• Should I sign the liability waiver when renting a car?
• How do I file an SR-22 for a DUI in my state?
• What happens if I owe more than my 2007 Dodge Durango is worth?
• Do I need roadside assistance coverage?

If you don’t know the answers to these questions, you may need to chat with a licensed insurance agent. To find lower rates from a local agent, take a second and complete this form or you can go here for a list of companies in your area. It’s fast, doesn’t cost anything and may give you better protection.

Car insurance 101

Having a good grasp of your policy can help you determine the best coverages at the best deductibles and correct limits. Car insurance terms can be ambiguous and coverage can change by endorsement. Below you’ll find typical coverages available from car insurance companies.

Comprehensive or Other Than Collision – This will pay to fix damage that is not covered by collision coverage. A deductible will apply then your comprehensive coverage will pay.

Comprehensive insurance covers things such as fire damage, a broken windshield, hitting a deer and hail damage. The highest amount a car insurance company will pay at claim time is the actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Auto liability insurance – Liability coverage can cover damage that occurs to a person or their property by causing an accident. This coverage protects you from claims by other people, and doesn’t cover your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see values of 50/100/50 that translate to $50,000 in coverage for each person’s injuries, a total of $100,000 of bodily injury coverage per accident, and property damage coverage for $50,000.

Liability insurance covers claims like attorney fees, repair costs for stationary objects, funeral expenses and loss of income. How much coverage you buy is a personal decision, but you should buy as large an amount as possible.

Collision coverages – This coverage will pay to fix damage to your Durango from colliding with another car or object. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers claims such as crashing into a building, driving through your garage door and colliding with a tree. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are 8 years or older. You can also increase the deductible to save money on collision insurance.

UM/UIM Coverage – Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other drivers when they either are underinsured or have no liability coverage at all. Covered losses include medical payments for you and your occupants and also any damage incurred to your Dodge Durango.

Because many people only purchase the least amount of liability that is required, their limits can quickly be used up. For this reason, having high UM/UIM coverages is very important.

Medical costs insurance – Coverage for medical payments and/or PIP provide coverage for expenses such as hospital visits, pain medications, rehabilitation expenses, surgery and funeral costs. The coverages can be used to cover expenses not covered by your health insurance plan or if you are not covered by health insurance. It covers all vehicle occupants and will also cover getting struck while a pedestrian. Personal injury protection coverage is not available in all states but it provides additional coverages not offered by medical payments coverage

Don’t throw your cash in the trash

Some auto insurance companies may not offer rates over the internet and these small insurance companies provide coverage only through independent agencies. More affordable auto insurance is attainable on the web and from local agencies, and you should be comparing both to have the best chance of lowering rates.

We just showed you some good ideas how you can shop for 2007 Dodge Durango insurance online. The most important thing to understand is the more rate quotes you have, the better your chances of lowering your rates. Consumers could even find that the biggest savings come from an unexpected company. Smaller companies may only write in your state and offer lower rates than their larger competitors like Progressive and Geico.

Even more information can be found at these sites:

• Driving in Bad Weather (Insurance Information Insitute)
• Choosing an Insurance Company (Insurance Information Insitute)
• Distracted Driving Extends Beyond Texting (State Farm)
• What does Personal Injury Protection (PIP) Cover? (Allstate)