Compare 2007 Dodge Durango Insurance Quotes

Buying car insurance is not something people look forward to, but it’s required in every state in order to drive legally.

If you currently have car insurance, you should be able to cut costs considerably using this strategy. Buying cheaper car insurance is easy if you know what you’re doing. Nevertheless, car owners can benefit from knowing the way insurance companies sell online and use this information to your advantage.

More discounts equal less premium

Companies don’t necessarily list every discount very well, so the following is a list of both the well known and the harder-to-find discounts you could be receiving.

  • Memberships – Participating in a civic or occupational organization may earn a discount on your policy on Durango coverage.
  • Discounts for Safe Drivers – Safe drivers may receive a discount up to 45% less on Durango coverage than drivers with accidents.
  • Bundle and Save – When you have multiple policies with the same insurance company you may earn approximately 10% to 15%.
  • Discount for Swiching Early – Select companies give a discount for signing up prior to your current policy expiring. The savings is around 10%.
  • Military Discounts – Having a family member in the military can result in better rates.
  • Claim Free – Good drivers with no accidents pay much less when compared with accident-prone drivers.
  • Use Seat Belts – Using a seat belt and requiring all passengers to use a seat belt could save 15% off the personal injury premium cost.
  • Good Student Discount – Getting good grades can earn a discount of 20% or more. The good student discount can last until age 25.
  • Theft Prevention Discount – Anti-theft and alarm systems prevent vehicle theft and will save you 10% or more.
  • Life Insurance Discount – Companies who offer life insurance give better rates if you take out auto and life insurance together.

As a disclaimer on discounts, some of the credits will not apply to all coverage premiums. Most only apply to the price of certain insurance coverages like medical payments or collision. So even though it sounds like you would end up receiving a 100% discount, it just doesn’t work that way.

For a list of companies who offer car insurance discounts, click this link.

Free Quotes for Insurance

When shopping for insurance there are multiple ways of comparing price quotes and find the best price. By far the easiest way to find the lowest 2007 Dodge Durango rates consists of shopping online. It is quite easy and can be accomplished in just a few minutes using one of these methods.

  • The fastest way to compare a lot of rates at once is an all-inclusive rate comparison like this one (opens in new window). This type of form prevents you from having to do separate quotes for every insurance company. Completing one form will get you rate comparisons from multiple companies. Recommended for those who want to invest the least amount of time.
  • A different way to get comparison quotes consists of visiting the website for each individual company and request a quote. For examples sake, let’s assume you want comparison quotes from Nationwide, Esurance and Liberty Mutual. To find out each rate you need to go to every website and enter your information, which is why most consumers use the first method.

    For a handy list of car insurance company links in your area, click here.

It’s your choice how you get your quotes, but make sure you use identical coverages and limits with every price quote. If you have higher or lower deductibles you can’t possibly determine which rate is truly the best. Just a small difference in limits can make a big difference in price. It’s important to know that comparing a large number of companies will improve the odds of getting the best rates.

It’s not one size fits all

When it comes to buying adequate coverage, there isn’t really a one size fits all plan. Everyone’s situation is a little different.

Here are some questions about coverages that could help you determine whether you might need an agent’s assistance.

  • What is an SR-22 filing?
  • Do I get a pro-rated refund if I cancel my policy early?
  • Can my teen drive my company car?
  • How much liability insurance is required?
  • Does my policy cover me when driving someone else’s vehicle?
  • Should I buy full coverage?
  • Is there coverage for injuries to my pets?
  • Am I covered if I hit my neighbor’s mailbox?
  • Do I have coverage when using my vehicle for my home business?
  • Should I bundle my homeowners policy with my auto?

If you’re not sure about those questions then you might want to talk to a licensed agent. To find an agent in your area, simply complete this short form.

Specifics of your car insurance policy

Knowing the specifics of your car insurance policy can be of help when determining the best coverages and proper limits and deductibles. The terms used in a policy can be difficult to understand and reading a policy is terribly boring.

Liability auto insurance – Liability coverage protects you from damage that occurs to other people or property that is your fault. This coverage protects you from legal claims by others, and does not provide coverage for your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see policy limits of 50/100/50 that translate to a $50,000 limit per person for injuries, $100,000 for the entire accident, and a limit of $50,000 paid for damaged property.

Liability insurance covers things like emergency aid, attorney fees and loss of income. How much liability should you purchase? That is a personal decision, but consider buying higher limits if possible.

Collision coverage – This coverage covers damage to your Durango resulting from a collision with an object or car. You have to pay a deductible then your collision coverage will kick in.

Collision can pay for claims like driving through your garage door, rolling your car, hitting a parking meter, crashing into a building and hitting a mailbox. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. It’s also possible to raise the deductible in order to get cheaper collision rates.

Insurance for medical payments – Medical payments and Personal Injury Protection insurance kick in for short-term medical expenses for doctor visits, dental work, hospital visits, chiropractic care and prosthetic devices. They are used to cover expenses not covered by your health insurance program or if you lack health insurance entirely. Coverage applies to not only the driver but also the vehicle occupants in addition to any family member struck as a pedestrian. PIP coverage is not available in all states but it provides additional coverages not offered by medical payments coverage

Uninsured Motorist or Underinsured Motorist insurance – This protects you and your vehicle when the “other guys” are uninsured or don’t have enough coverage. It can pay for medical payments for you and your occupants and damage to your Dodge Durango.

Since many drivers have only the minimum liability required by law, their limits can quickly be used up. So UM/UIM coverage is important protection for you and your family.

Comprehensive coverage (or Other than Collision) – This pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive coverage protects against things such as a broken windshield, rock chips in glass and hitting a deer. The most a car insurance company will pay at claim time is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Power to the consumer

Insureds who switch companies do it for many reasons like an unsatisfactory settlement offer, denial of a claim, policy cancellation or not issuing a premium refund. Whatever your reason, finding a new company is pretty simple and you could end up saving a buck or two.

Affordable 2007 Dodge Durango insurance is available on the web and with local insurance agents, and you should be comparing both to have the best selection. There are still a few companies who do not offer the ability to get a quote online and these regional insurance providers work with independent agents.

As you restructure your insurance plan, you should never buy poor coverage just to save money. Too many times, an accident victim reduced physical damage coverage only to regret at claim time that a couple dollars of savings turned into a financial nightmare. Your focus should be to buy the best coverage you can find for the lowest price while still protecting your assets.

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