View 2008 Dodge Durango Insurance Quotes

Buying auto insurance online may seem complicated initially if you are one of the many people new to online quotes. Don’t worry though because we’re going to show you how.

Do you qualify for discount insurance?

Insurance is neither fun to buy or cheap, but you can get discounts that many people don’t even know exist. Many discounts should be triggered at the time of purchase, but once in a while a discount must be inquired about before they will apply.

• Drive Safe and Save – Drivers who don’t get into accidents can pay as much as 50% less on Durango insurance as compared to drivers with claims.
• Discount for Multiple Policies – If you insure your home and vehicles with one company you may earn up to 20% and get you cheaper insurance.
• Auto/Life Discount – Not every insurance company offers life insurance, but if they do you may earn lower insurancerates if you buy some life insurance in addition to your auto policy.
• Claim-Free Discount – Drivers who stay claim-free can earn big discounts when compared with frequent claim filers.
• Waiver for an Accident – This one isn’t a discount, but a handful of insurance companies may permit one accident before your rates go up if you are claim-free for a particular time prior to the accident.
• Paperless Signup – Many companies give back up to $50 shop insurance digitally online.
• 55 and Retired – If you qualify as a senior citizen, you can get a small decrease in premiums on Durango insurance.
• Organization Discounts – Belonging to a professional or civic organization could qualify you for a break on your next insurance statement.

As a footnote on discounts, most discounts do not apply to the entire cost. A few only apply to specific coverage prices like liability, collision or medical payments. Even though it may seem like you could get a free insurance policy, insurance companies aren’t that generous.

To find providers who offer online insurance quotes, click here to view.

What insurance coverages do I need?

When it comes to choosing the best insurance coverage coverage, there really is not a best way to insure your cars. Everyone’s situation is a little different.

Here are some questions about coverages that can aid in determining whether your personal situation would benefit from an agent’s advice.

• Does my insurance cover damage caused when ticketed for reckless driving?
• Is rental equipment covered for theft or damage?
• Does my 2008 Dodge Durango need full coverage?
• Does coverage extend to Mexico or Canada?
• Am I covered if I drive in a foreign country?
• Should I rate my 2008 Dodge Durango as pleasure use or commute?
• Are split liability limits better than a combined single limit?
• How much liability coverage do I need in my state?
• What are the best liability limits?

If it’s difficult to answer those questions but you think they might apply to your situation, then you may want to think about talking to a licensed insurance agent. To find an agent in your area, simply complete this short form.

Car insurance coverage specifics

Understanding the coverages of your car insurance policy can be of help when determining which coverages you need and the correct deductibles and limits. Car insurance terms can be ambiguous and even agents have difficulty translating policy wording.

Liability car insurance

This coverage provides protection from damage or injury you incur to other people or property. This coverage protects you against other people’s claims, and does not provide coverage for damage sustained by your vehicle in an accident.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see limits of 100/300/100 that translate to $100,000 in coverage for each person’s injuries, a limit of $300,000 in injury protection per accident, and a total limit of $100,000 for damage to vehicles and property.

Liability insurance covers claims like funeral expenses, court costs, pain and suffering and emergency aid. How much liability coverage do you need? That is a personal decision, but buy higher limits if possible.

Uninsured Motorist or Underinsured Motorist insurance

Your UM/UIM coverage protects you and your vehicle’s occupants from other drivers when they either have no liability insurance or not enough. It can pay for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Since a lot of drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is a good idea.

Collision coverage protection

This coverage pays to fix your vehicle from damage resulting from colliding with another vehicle or an object, but not an animal. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers claims such as damaging your car on a curb, backing into a parked car, hitting a parking meter, crashing into a ditch and sustaining damage from a pot hole. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from lower value vehicles. Drivers also have the option to raise the deductible to get cheaper collision coverage.

Comprehensive coverage (or Other than Collision)

This will pay to fix damage OTHER than collision with another vehicle or object. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against claims such as a broken windshield, rock chips in glass and hitting a bird. The most you’ll receive from a claim is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Insurance for medical payments

Medical payments and Personal Injury Protection insurance kick in for immediate expenses for things like X-ray expenses, ambulance fees and funeral costs. They are often used to fill the gap from your health insurance program or if you are not covered by health insurance. They cover not only the driver but also the vehicle occupants and will also cover any family member struck as a pedestrian. Personal injury protection coverage is not an option in every state but can be used in place of medical payments coverage

Quote more. Save more.

In this article, we presented a lot of ways to reduce 2008 Dodge Durango insurance prices online. The key concept to understand is the more quotes you get, the more likely it is that you will get a better rate. You may even discover the biggest savings come from an unexpected company.

While you’re price shopping online, make sure you don’t buy less coverage just to save a little money. In too many instances, drivers have reduced liability limits or collision coverage only to regret that the small savings ended up costing them much more. Your aim should be to purchase a proper amount of coverage at the best price while not skimping on critical coverages.

Low-cost 2008 Dodge Durango insurance is attainable both online in addition to local insurance agencies, and you should compare price quotes from both to have the best chance of lowering rates. Some car insurance companies may not have rates over the internet and usually these small insurance companies only sell coverage through independent agents.

More tips and info about car insurance is available by following these links:

• Young Drivers: The High Risk Years Video (iihs.org)
• Auto Insurance FAQ (Farmers Insurance)
• When is the Right Time to Switch Car Insurance Companies? (Allstate)
• How to Avoid Common Accidents (State Farm)
• Prom Night Tips for Teen Drivers (State Farm)