Lower Your 2007 Dodge Durango Insurance Rates

Pretty sure you bought an underperforming, overpriced insurance policy? Trust us when we tell you many consumers are in the same pinch. Consumers have so many auto insurance companies to choose from, and though it is a good thing to have a selection, so many choices can make it hard to compare rates and find the lowest cost insurance.

You need to take a look at other company’s rates periodically since rates are adjusted regularly by insurance companies. Even if you think you had the best deal on Durango insurance at your last renewal a different company probably has better prices today. Forget all the misinformation about insurance because I’m going to let you in on the secrets to how to use the internet to find the best coverage while lowering your premiums.

Where can I get affordable insurance?

Getting cheaper 2007 Dodge Durango insurance pricing is a fairly straight forward process. You just have to invest a little time to compare free insurance quotes provided by online insurance companies. It’s really simple and can be done using one of these methods.

1. The single most time-saving way consumers can analyze rates would be an industry-wide quote request form like this one (opens in new window). This easy form keeps you from doing separate forms for each company. Taking the time to complete one form gets you coverage quotes instantly.
2. A less efficient way to analyze rates is going to each company’s website and fill out their own quote form. For sake of this example, we’ll pretend you want to see prices from Nationwide, Esurance and Farmers. You would have to go to each individual site to enter the same coverage data repeatedly, which can get old fast. For a list of links to companies insuring cars in your area, click here.
3. The last way to compare price estimates is actually driving to different agent offices. The internet eliminates this option unless you want the personal advice only provided by licensed agents. It is possible with some companies get prices online but have a local agent actually write the policy.

It doesn’t matter which method you choose, just make sure you compare the same quote information on every quote. If each company quotes different liability limits it will be very difficult to find the best deal for your Dodge Durango.

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Get cheap auto insurance quotes with discounts

Car insurance is not cheap, but you can get discounts that many people don’t even know exist. A few discounts will automatically apply when you complete an application, but some need to be requested specifically prior to receiving the credit.

• Homeowners Pay Less – Being a homeowner can save you money since home ownership demonstrates responsibility.
• Driver’s Ed – Require your teen driver to participate in a local driver’s education class in school.
• Passive Restraint Discount – Factory options such as air bags or motorized seat belts could see savings of 20% or more.
• Life Insurance – Some insurance carriers give a discounted price on car insurance if you buy life insurance.
• Professional Memberships – Being a member of qualifying employment or professional organizations may earn a discount on your policy.
• Military Deployment Discount – Having a family member in the military could be rewarded with lower auto insurance rates.
• Sign Early and Save – Some insurance companies give discounts for switching companies before your current expiration date. This discount can save up to 10%.
• Discounts for New Vehicles – Insuring a new car is cheaper because new vehicles keep occupants safer.
• Policy Bundle Discount – If you combine your home and auto policies with the same insurance company you could get a discount of at least 10% off all policies.

As is typical with insurance, most discounts do not apply the the whole policy. Most only cut the cost of specific coverages such as liability, collision or medical payments. Just because you may think all the discounts add up to a free policy, companies don’t profit that way.

A partial list of companies that possibly offer most of these discounts include:

• State Farm
• Geico
• Liberty Mutual
• The Hartford
• MetLife
• Progressive

When getting a coverage quote, ask each insurance company what discounts are available to you. Some discounts listed above might not be offered in your area. If you would like to view insurance companies that offer multiple discounts, click this link.

Tailor your insurance coverage to you

When buying adequate coverage for your vehicles, there really is no cookie cutter policy. Your needs are not the same as everyone else’s and your policy should reflect that. These are some specific questions might point out whether or not you could use an agent’s help.

• When should I remove comp and collision on my 2007 Dodge Durango?
• Do I benefit by insuring my home with the same company?
• I have health insurance so do I need medical payments coverage?
• Am I covered if I crash into my own garage door?
• What companies insure drivers after a DUI or DWI?
• Who is covered by my policy?
• Which companies will insure high-risk drivers?

If you’re not sure about those questions, you may need to chat with an agent. If you don’t have a local agent, take a second and complete this form or click here for a list of insurance companies in your area. It’s fast, doesn’t cost anything and you can get the answers you need.

Get lower-cost insurance rates by understanding these factors

The best way to find cheaper insurance is to take a look at the rating factors that play a part in calculating the rates you pay for insurance. If you understand what determines premiums, this enables you to make decisions that could help you find better insurance rates.

The factors shown below are some of the most rate-impacting factors insurance companies consider when setting your rates.

• Don’t get traffic citations – Careful drivers receive lower rates as compared to those with violations. Only having one speeding ticket can increase rates by twenty percent. Drivers who get flagrant violations such as DUI or reckless driving may find that they have to to complete a SR-22 with their state motor vehicle department in order to legally drive.
• Keep prices low by being claim-free – Insurance companies provide cheaper rates to drivers who only file infrequent claims. If you frequently file small claims, you can look forward to higher premiums or even policy non-renewal. Auto insurance is meant to be used in the event of the large, substantial claims.
• Add-on coverages can add up – There are quite a few extra add-on coverages that sound like a good idea at the time on your 2007 Durango policy. Coverage for things like rental car reimbursement, towing, and Farm Bureau memberships may not be needed and are just wasting money. These coverages may sound good when discussing your needs, but now you might not need them so get rid of them and save.
• Do safer cars cost less to insure? – Safe vehicles can get you lower premiums. Vehicles built for safety result in less severe injuries and reduced instances of injuries translates into savings for insurance companies which can mean better rates for you. If your Dodge scored better than an “acceptable” rating on the Insurance Institute for Highway Safety website you may qualify for a discount.
• Do you know your comp and collision deductibles? – Coverage for physical damage, commonly called comprehensive (or other-than-collision) and collision coverage, protects your Dodge from damage. A few examples of covered claims would be colliding with a building, damage caused by hail, and damage caused by flying debris. Your deductibles define the amount you are required to spend if a claim is determined to be covered. The more damage repair cost the insured is willing to pay, the bigger discount you will receive on Durango insurance.
• Get cheaper rates after the wedding – Having a wife or husband may cut your premiums when shopping for insurance. Having a spouse means you’re more financially stable and insurance companies reward insureds because drivers who are married file infrequent claims.

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Switch companies and save? Really?

Consumers constantly see and hear ads for the lowest price insurance by Allstate, Geico and Progressive. All the companies make the same claim that you’ll save big just by switching your policy.

How is it plausible that every one can sell you cheaper insurance coverage? It’s all in how they say it.

Different companies have a preferred profile for a prospective insured that will most likely be profitable. A good example of a driver they prefer might have to be over the age of 45, has a clear driving record, and has great credit. A driver who fits those characteristics gets the lowest rates and is almost guaranteed to cut their rates if they switch.

Drivers who fall outside this ideal profile will see a higher rate which translates to the customer buying from someone else. If you pay attention, the ads say “customers who switch” not “everyone who quotes” save the amount stated. That’s the way companies can truthfully make those claims.

This really illustrates why you absolutely need to do a quote comparison often. It is just not possible to predict which company will have the lowest rate quotes.

Auto insurance coverages

Having a good grasp of your car insurance policy aids in choosing the right coverages at the best deductibles and correct limits. The coverage terms in a policy can be impossible to understand and reading a policy is terribly boring. These are the usual coverages available from car insurance companies.

Auto liability insurance – Liability coverage protects you from damages or injuries you inflict on other people or property in an accident. It protects YOU from claims by other people, and does not provide coverage for your own vehicle damage or injuries.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have liability limits of 50/100/50 that means you have $50,000 in coverage for each person’s injuries, $100,000 for the entire accident, and $50,000 of coverage for damaged propery. Another option is a combined limit which combines the three limits into one amount rather than limiting it on a per person basis.

Liability coverage pays for things like bail bonds, emergency aid and legal defense fees. How much coverage you buy is up to you, but buy as high a limit as you can afford.

Comprehensive coverages – This covers damage that is not covered by collision coverage. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive can pay for claims like theft, rock chips in glass, vandalism, a broken windshield and hitting a bird. The maximum amount your car insurance company will pay is the cash value of the vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.

Collision – Collision coverage will pay to fix damage to your Durango resulting from colliding with another car or object. A deductible applies then the remaining damage will be paid by your insurance company.

Collision can pay for claims like sustaining damage from a pot hole, driving through your garage door and crashing into a building. Paying for collision coverage can be pricey, so consider dropping it from older vehicles. You can also raise the deductible to get cheaper collision coverage.

Uninsured and underinsured coverage – This provides protection when the “other guys” are uninsured or don’t have enough coverage. This coverage pays for hospital bills for your injuries as well as damage to your Dodge Durango.

Since a lot of 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 should not be overlooked. Normally these coverages are similar to your liability insurance amounts.

Coverage for medical payments – Med pay and PIP coverage provide coverage for immediate expenses such as X-ray expenses, pain medications, rehabilitation expenses and dental work. The coverages can be utilized in addition to your health insurance policy or if you lack health insurance entirely. It covers all vehicle occupants in addition to getting struck while a pedestrian. PIP is not available in all states but can be used in place of medical payments coverage

In the end, you save

When buying insurance coverage, don’t be tempted to skimp on critical coverages to save a buck or two. In too many instances, consumers will sacrifice liability coverage limits only to regret that the few dollars in savings costed them thousands. The ultimate goal is to buy a smart amount of coverage at the best possible price and still be able to protect your assets.

Cheap 2007 Dodge Durango insurance is possible from both online companies as well as from independent agents, so you need to quote insurance with both so you have a total pricing picture. Some insurance providers do not offer the ability to get a quote online and these small insurance companies only sell through local independent agencies.

We just presented a lot of information how to shop for 2007 Dodge Durango insurance online. The key concept to understand is the more you quote insurance, the more likely it is that you will get a better rate. You may even discover the lowest priced insurance coverage comes from the least-expected company. These companies may only write in your state and offer lower rates compared to the large companies like Progressive and Geico.

More tips and info about insurance coverage can be read in these articles:

• Think You’re a Safe Driver? (State Farm)
• Determing Auto Insurance Rates (Geico)
• Vehicle Insurance in the U.S. (Wikipedia)
• Auto Crash Statistics (Insurance Information Insitute)
• What is Covered by an Auto Insurance Policy? (Insurance Information Insitute)

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