2008 Dodge Durango Car Insurance Quotes

Did a good deal turn into high-priced auto insurance? Don’t sweat it because there are a lot of people just like you who feel imprisoned by their auto insurance policy. Numerous insurance companies battle for your business, so it’s not easy to compare every insurer to find the absolute best rates possible.

It is always a good idea to price shop coverage once or twice a year because prices change frequently. Even if you think you had the lowest price on Durango coverage at your last renewal there is a good chance you can find better rate quotes now. You’ll find a ton of advice on auto insurance online, but by reading this article, you’re going to learn some proven techniques to buy auto insurance cheaper.

If you are insured now or are just looking to switch companies, you can use these tips to find better prices and still get good coverage. Buying car insurance is easy if you know what you’re doing. Drivers just need to learn the best way to shop for insurance on the web.

Compare car insurance quotes

Cutting your car insurance rates is a fairly straight forward process. You just need to take a few minutes comparing price quotes to discover which company has cheap insurance quotes. Comparing prices online can be done using a couple different methods.

1. If you’re in a hurry, the quickest way to find low rates is to use a rate comparison form (click to open form in new window). This easy form eliminates the need for boring form submissions for every company. One simple form gets coverage cost estimates instantly.
2. A more time consuming way to find better pricing requires a visit to the website for every company you want to comare and fill out a new quote form. For examples sake, we’ll assume you need rates from State Farm, Geico and Farmers. In order to compare rates, you need to spend time going to each site individually and repeatedly enter your information, which can get old fast. To view a list of companies in your area, click here.

You can use whichever method you prefer to find lower rates, just be sure to compare the same deductibles and coverage limits on every price quote you get. If you compare different values for each quote it will be next to impossible to find the best deal for your Dodge Durango.

Auto insurance policy discounts

Some insurers do not list every possible discount very clearly, so below is a list a few of the more well known as well as some of the hidden discounts you could be receiving when you buy insurance online. If you do not double check each discount available, you could be saving more on your auto insurance.

• Senior Citizens – If you’re over the age of 55, you can possibly qualify for reduced rates on Durango coverage.
• Passenger Safety Discount – Vehicles with factory air bags or automatic seat belts can receive discounts of 25 to 30%.
• Homeowners Pay Less – Being a homeowner can earn you a little savings because it is proof that your finances are in order.
• New Car Discount – Buying insurance on a new vehicle can save you some money because newer vehicles have to meet stringent safety requirements.
• Seat Belts Save – Forcing all vehicle occupants to buckle up can save up to 15% off the medical payments premium.
• Anti-lock Brakes – Anti-lock brake equipped vehicles have fewer accidents and the ABS can save up to 10%.
• Discount for Low Mileage – Low mileage vehicles may enable drivers to earn discounted premium rates on garaged vehicles.

Don’t be surprised that some credits don’t apply to your bottom line cost. Some only reduce specific coverage prices like comprehensive or collision. So when it seems like you could get a free auto insurance policy, that’s just not realistic.

Insurance companies who may offer some of the above discounts possibly include:

• Mercury Insurance
• Farmers Insurance
• Farm Bureau
• State Farm
• Allstate
• Geico

When getting free insurance quotes, it’s a good idea to every prospective company the best way to save money. Some discounts might not be offered on policies in your area. If you would like to choose from a list of insurance companies that provide some of the discounts listed above, click this link.

How do I know if I need professional advice?

When buying adequate coverage, there is no perfect coverage plan. Every insured’s situation is different so your insurance needs to address that. For instance, these questions can help discover whether your personal situation might need an agent’s assistance.

• What are the financial responsibility laws in my state?
• Should I file a claim if it’s only slightly more than my deductible?
• I don’t drive much so do I pay less?
• Am I getting all the discounts available?
• Does my liability insurance cover pulling a trailer or camper?
• What can I do if my company won’t pay a claim?
• What is PIP insurance?
• Am I covered when renting a car or should I buy coverage from the car rental agency?
• Is my ex-spouse still covered by my policy?
• Does insurance cover damages from a DUI accident?

If you can’t answer these questions but you know they apply to you, then you may want to think about talking to an insurance agent. To find an agent in your area, fill out this quick form or go to this page to view a list of companies. It is quick, free and can help protect your family.

What car insurance coverages do you need?

Learning about specific coverages of car insurance can be of help when determining which coverages you need for your vehicles. The terms used in a policy can be confusing and reading a policy is terribly boring. Below you’ll find typical coverage types found on most car insurance policies.

Liability coverage

This coverage can cover damages or injuries you inflict on other’s property or people that is your fault. This insurance 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, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have limits of 50/100/50 which means $50,000 in coverage for each person’s injuries, $100,000 for the entire accident, and property damage coverage for $50,000. Occasionally you may see a combined single limit or CSL that pays claims from the same limit without having the split limit caps.

Liability coverage pays for things like court costs, funeral expenses, structural damage, medical expenses and bail bonds. How much liability coverage do you need? That is your choice, but you should buy as much as you can afford.

Medical payments and PIP coverage

Personal Injury Protection (PIP) and medical payments coverage provide coverage for immediate expenses for rehabilitation expenses, doctor visits and EMT expenses. They can be used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. It covers all vehicle occupants and also covers if you are hit as a while walking down the street. Personal Injury Protection is only offered in select states but it provides additional coverages not offered by medical payments coverage

Collision coverage

This will pay to fix damage to your Durango resulting from a collision with an object or car. A deductible applies then your collision coverage will kick in.

Collision coverage protects against things like hitting a parking meter, driving through your garage door, colliding with a tree, sustaining damage from a pot hole and damaging your car on a curb. This coverage can be expensive, so analyze the benefit of dropping coverage from lower value vehicles. Another option is to increase the deductible to save money on collision insurance.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This coverage protects you and your vehicle when the “other guys” are uninsured or don’t have enough coverage. This coverage pays for injuries to you and your family and also any damage incurred to your Dodge Durango.

Because many people carry very low liability coverage limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is a good idea. Most of the time these coverages are identical to your policy’s liability coverage.

Comprehensive auto coverage

This coverage covers damage OTHER than collision with another vehicle or object. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive can pay for things like a broken windshield, damage from flooding, a tree branch falling on your vehicle, hitting a deer and theft. The maximum amount 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.