View 1999 Dodge Durango Insurance Quotes

Want lower insurance rates for your Dodge Durango? Feel like you’re a prisoner to high-priced insurance? Believe me, there are many consumers feeling the pinch from expensive insurance.

With so many online and local companies to choose from, it can be impossible to pick the lowest price provider.

You should make it a habit to take a look at other company’s rates once or twice a year because insurance rates fluctuate regularly. Just because you had the best deal for Durango coverage a few years ago the chances are good that you can find a lower rate today. So just forget anything you know (or think you know) about insurance because you’re going to get a crash course in how to use the internet to remove unneeded coverages and save money.

How to Get Cheap Car Insurance

Effectively comparing car insurance prices can be exhausting if you don’t understand the most efficient way to do it. You could waste a few hours talking about coverages with insurance agencies in your area, or you can stay home and use the internet to get rate comparisons in just a few minutes.

Many popular insurance companies are enrolled in a marketplace where insurance shoppers submit one quote, and at least one company then returns a price quote based on the submitted data. This eliminates the need for quotation requests to each company. To participate in this free quote system, click here to start a free quote.

One minor caviat to doing it this way is that you can’t choose which companies you want pricing from. So if you want to select specific providers to compare rates, we have a listing of car insurance companies in your area. Click to view list.

It’s up to you how you get prices quotes, just double check that you are using apples-to-apples coverage information for each comparison quote. If you enter different deductibles you can’t possibly determine which rate is truly the best. Just a small difference in coverages may cause a big price difference. And when comparing car insurance rates, know that having more price comparisons will increase your chances of finding the best price.

Insurance agents can help

When it comes to buying proper insurance coverage for your personal vehicles, there isn’t really a single plan that fits everyone. Everyone’s situation is unique and a cookie cutter policy won’t apply. For example, these questions might point out whether or not you will benefit from professional help.

  • What if I total my 1999 Dodge Durango and owe more than it’s worth?
  • Does medical payments coverage apply to all occupants?
  • Should I carry comprehensive and collision coverage?
  • What is medical payments coverage?
  • If my 1999 Dodge Durango is totaled, can I afford another vehicle?
  • Can I afford to pay high deductible claims out of pocket?
  • How much liability insurance is required?

If you’re not sure about those questions, then you may want to think about talking to an insurance agent. If you don’t have a local agent, complete this form or go to this page to view a list of companies.

Auto insurance coverage information

Knowing the specifics of a insurance policy aids in choosing appropriate coverage for your vehicles. The terms used in a policy can be difficult to understand and even agents have difficulty translating policy wording. These are typical coverages available from insurance companies.

Comprehensive insurance

This coverage covers damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive insurance covers things like rock chips in glass, vandalism, hail damage and theft. The highest amount a insurance company will pay at claim time is the ACV or actual cash value, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Coverage for medical expenses

Personal Injury Protection (PIP) and medical payments coverage pay for expenses like chiropractic care, pain medications, dental work and doctor visits. They can be utilized in addition to your health insurance policy or if you are not covered by health insurance. They cover all vehicle occupants in addition to being hit by a car walking across the street. Personal Injury Protection is not an option in every state and may carry a deductible

Coverage for uninsured or underinsured drivers

Your UM/UIM coverage protects you and your vehicle when other motorists either are underinsured or have no liability coverage at all. Covered claims include injuries to you and your family 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. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Most of the time your uninsured/underinsured motorist coverages are identical to your policy’s liability coverage.

Coverage for liability

This coverage will cover damage that occurs to other people or property in an accident. This coverage protects you from claims by other people. Liability doesn’t cover damage sustained by your vehicle in an accident.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see values of 50/100/50 that translate to a limit of $50,000 per injured person, a total of $100,000 of bodily injury coverage per accident, and $50,000 of coverage for damaged propery. Occasionally you may see one number which is a combined single limit which provides one coverage limit rather than limiting it on a per person basis.

Liability insurance covers things like court costs, bail bonds, loss of income and funeral expenses. How much liability should you purchase? That is up to you, but buy as large an amount as possible.

Collision coverage

This covers damage to your Durango caused by collision with an object or car. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision can pay for claims like sustaining damage from a pot hole, scraping a guard rail, sideswiping another vehicle, rolling your car and backing into a parked car. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are older. It’s also possible to increase the deductible in order to get cheaper collision rates.