View 2001 Dodge Durango Insurance Cost

Want lower insurance coverage rates for your Dodge Durango? Overwhelmed by the dozens of insurance coverage choices? Lot’s of other consumers are too. People have so many options that it can be more work than you anticipated to find the best price.

Consumers should take time to take a look at other company’s rates before your policy renews since rates are constantly changing. Just because you found the lowest rates for Durango coverage a year ago there is a good chance you can find better rates now. Starting now, forget anything you know (or think you know) about insurance coverage because you’re going to learn the only way to save money, get proper coverage and the best rates.

If you have car insurance now, you stand a good chance to be able to lower your premiums substantially using this information. The purpose of this post is to familiarize you with the best way to quote coverages and some money-saving tips. Although consumers benefit from understanding the methods companies use to sell insurance online.

Factors that can influence insurance rates for a Dodge Durango

An important part of buying insurance is that you know the different types of things that go into determining the rates you pay for auto insurance. Understanding what impacts premium levels empowers consumers to make smart changes that will entitle you to lower auto insurance prices.

Listed below are a few of the “ingredients” used by your company to calculate prices.

  • Liability coverage protects you – The liability section of your policy is the coverage that protects you if ever a jury decides you are liable for personal injury or accident damage. It provides for a legal defense which can cost thousands of dollars. This coverage is very inexpensive compared to insuring for physical damage coverage, so drivers should carry high limits.
  • How your age affects price – More mature drivers tend to be more responsible, tend to cause fewer accidents and receive fewer citations. Youthful drivers are known to get distracted easily when driving and because of this, their auto insurance rates are much higher.
  • More claims means more premium – If you tend to file frequent claims, you can definitely plan on either a policy non-renewal or much higher rates. Auto insurance companies provide better rates to drivers who do not rely on their insurance for small claims. Auto insurance is meant to be used in the event of major claims that would cause financial hardship.
  • Males pay more for insurance – Statistics have proven women are more cautious behind the wheel. However, don’t assume that men are WORSE drivers than women. They both have accidents at about the same rate, but men cause more damage and cost insurance companies more money. Men also receive more costly citations like DUI and reckless driving.
  • What are your deductibles? – Physical damage insurance, termed comprehensive and collision coverage on your policy, protects your Dodge from damage. Examples of covered claims would be running into the backend of another car, vandalism, and burglary. Deductibles for physical damage are the amount of money you are required to spend before a claim is paid by your company. The more money you’re willing to pay, the less your company will charge you for insurance for Durango coverage.
  • Theft deterrents lower rates – Purchasing a vehicle with an alarm system can save you a little every year. Theft prevention devices such as LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system all aid in stopping your car from being stolen.

How to Get Cheap Insurance

The are a couple different ways of comparing rates from local insurance companies. The easiest way by far to compare 2001 Dodge Durango insurance prices is to get quotes online. It is quite easy and can be accomplished in several different ways.

The best way consumers can make multiple comparisons is to use a rate comparison form click here to open form in new window. This method prevents you from having to do boring form submissions for each company. In just a few minutes this one form will return quotes from all major companies. This is perfect if you don’t have a lot of time.

Another way to compare rate quotes requires a trip to each company website to complete their respective quote request forms. For instance, we’ll assume you want comparison quotes from Farmers, Liberty Mutual and GMAC. You would have to take the time to go to each site to enter your coverage information, which is why the first method is more popular. To view a list of companies in your area, click here.

The least recommended way to compare rates is driving around to different agent offices. Shopping for insurance online makes this process obsolete unless you have a need for the professional guidance only provided by licensed agents. You can, however, obtain prices from the web but still have the advice of a local agent and we’ll touch on that later.

However you get your quotes, double check that you are using the exact same coverage limits for each comparison quote. If your comparisons have unequal deductibles or liability limits it will be impossible to decipher which rate is best. Quoting even small variations in coverages can mean a large discrepancy in price. Just remember that having more price comparisons gives you a better chance of getting the best rates.

Don’t overlook these discounts

Insuring your fleet can be pricey, but you may find discounts to cut the cost considerably. Some discounts apply automatically when you complete an application, but some must be specially asked for prior to getting the savings.

  • Military Discounts – Having a family member in the military could mean lower rates.
  • College Student – Youth drivers who are attending college and do not have a car may be able to be covered for less.
  • Paperwork-free – A handful of insurance companies will discount your bill up to fifty bucks for buying a policy and signing up over the internet.
  • Use Seat Belts – Using a seat belt and requiring all passengers to buckle their seat belts can save up to 15% off your PIP or medical payments premium.
  • Good Student Discount – This discount can earn a discount of 20% or more. The discount lasts up until you turn 25.
  • Organization Discounts – Affiliation with certain professional organizations may earn a discount on your policy for Durango coverage.
  • No Charge for an Accident – Certain companies will forgive one accident before your rates go up as long as you don’t have any claims for a set time period.

A little note about advertised discounts, most discounts do not apply to the overall cost of the policy. Most only reduce the price of certain insurance coverages like collision or personal injury protection. So when it seems like adding up those discounts means a free policy, it doesn’t quite work that way. But any discount will cut your overall premium however.

To see a list of insurance companies with the best insurance discounts, click here.

Is my situation unique?

When buying the best insurance coverage for your personal vehicles, there really is not a “best” method to buy coverage. Every situation is different.

For example, these questions can help discover if you might need an agent’s assistance.

  • Do I really need UM/UIM coverage?
  • Does medical payments coverage apply to all occupants?
  • Where can I get insurance after a DUI in my state?
  • How do I insure my teen driver?
  • Can I drive in Mexico and have coverage?
  • Can I make deliveries for my home business?
  • Should I have combined single limit or split liability limits?
  • Am I covered when renting a car or should I buy coverage from the car rental agency?
  • Is other people’s property covered if stolen from my vehicle?

If you can’t answer these questions but you think they might apply to your situation then you might want to talk to a licensed agent. If you want to speak to an agent in your area, take a second and complete this form.

Coverages available on your policy

Learning about specific coverages of your car insurance policy helps when choosing appropriate coverage and proper limits and deductibles. Car insurance terms can be ambiguous and reading a policy is terribly boring.

Med pay and Personal Injury Protection (PIP) – Coverage for medical payments and/or PIP kick in for immediate expenses such as hospital visits, EMT expenses and nursing services. They can be used to fill the gap from your health insurance plan or if there is no health insurance coverage. It covers all vehicle occupants and also covers getting struck while a pedestrian. PIP coverage is not universally available and may carry a deductible

Comprehensive insurance – This coverage covers damage from a wide range of events other than collision. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive can pay for things such as theft, falling objects and damage from getting keyed. The maximum payout you can receive from a comprehensive claim is the market value of your vehicle, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Uninsured/Underinsured Motorist (UM/UIM) – This protects you and your vehicle when other motorists either are underinsured or have no liability coverage at all. This coverage pays 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, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is important protection for you and your family. Frequently your uninsured/underinsured motorist coverages are identical to your policy’s liability coverage.

Liability car insurance – Liability coverage can cover damages or injuries you inflict on other’s property or people in an accident. This coverage protects you against other people’s claims. It does not 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. As an example, you may have policy limits of 25/50/25 that means you have $25,000 bodily injury coverage, a per accident bodily injury limit of $50,000, and a limit of $25,000 paid for damaged property. Occasionally you may see a combined limit which limits claims to one amount and claims can be made without the split limit restrictions.

Liability can pay for things such as bail bonds, structural damage, pain and suffering and emergency aid. How much liability should you purchase? That is up to you, but it’s cheap coverage so purchase as much as you can afford.

Collision coverages – Collision coverage pays to fix your vehicle from damage resulting from a collision with a stationary object or other vehicle. A deductible applies and then insurance will cover the remainder.

Collision can pay for claims such as crashing into a ditch, backing into a parked car and damaging your car on a curb. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are older. It’s also possible to increase the deductible to save money on collision insurance.

More quotes. Lower rates.

Insureds switch companies for a number of reasons such as high prices, not issuing a premium refund, poor customer service or delays in paying claims. Whatever your reason, choosing a new company can be less work than you think.

You just learned a lot of techniques to lower your 2001 Dodge Durango insurance rates. The most important thing to understand is the more companies you get rates for, the better your comparison will be. Consumers could even find that the lowest priced auto insurance comes from a small local company.

As you shop your coverage around, do not sacrifice coverage to reduce premiums. In many cases, drivers have reduced comprehensive coverage or liability limits only to find out that they should have had better coverage. The proper strategy is to buy enough coverage at an affordable rate while still protecting your assets.

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