2001 Dodge Durango Car Insurance Rates – 5 Discounts for Cheaper Quotes

Searching for better insurance coverage rates? Consumers have a choice when looking for low-cost Dodge Durango insurance. You can either spend your time calling around getting price quotes or use the internet to make rate comparisons. There are more efficient ways to compare insurance coverage rates so you’re going to learn the proper way to get price quotes for a new or used Dodge and find the lowest possible price from both online companies and local agents.

You need to compare rates on a regular basis because rates are usually higher with each renewal. If you had the lowest price for Durango insurance six months ago the chances are good that you can find a lower rate today. Forget anything you know (or think you know) about insurance coverage because you’re about to learn how to use online quotes to find the best coverage while lowering your premiums.

Automobile Insurance Quotes

Finding cheaper 2001 Dodge Durango auto insurance prices is not rocket science. Drivers just need to invest a little time comparing rate quotes from different insurance companies. It is quite easy and can be accomplished in a couple of different ways.

  1. The first (and easiest) way consumers can analyze rates is to use a rate comparison form (click to open form in new window). This form keeps you from doing a different quote for each company. One form compares rates from many national carriers.It’s the quickest way to get rates.
  2. A more difficult way to find lower rates is going to each company website to request a price quote. For instance, let’s assume you want to compare USAA, Safeco and Farmers. To get each rate you have to visit each site and enter your policy data, which is why the first method is more popular.

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

  3. The most time-consuming way to compare rates is driving to local insurance agencies. The ability to buy insurance online makes this process obsolete unless you want the professional guidance that only a license agent can provide. It is possible to obtain prices from the web and still use a local agent and we’ll touch on that later.

Whichever way you use, ensure you are comparing exactly the same coverage limits for each price quote. If you have higher or lower deductibles it will be next to impossible to determine the lowest rate for your Dodge Durango.

Advertising myths

Consumers can’t ignore all the ads that promise big savings from the likes of Progressive, Allstate and GEICO. All the ads make an identical promise about savings if you move your coverage to them.

How does each company make almost identical claims?

All companies are able to cherry pick for the type of driver that makes them money. For example, a desirable insured might be between the ages of 30 and 50, insures multiple vehicles, and has excellent credit. Any driver that hits that “sweet spot” is entitled to the best price and therefore will cut their rates substantially.

Consumers who don’t qualify for the “perfect” profile must pay higher prices and this can result in the customer not buying. The ads state “customers who switch” not “people who quote” save that much. That is how insurance companies can claim big savings. This illustrates why it’s extremely important to compare as many rates as you can. It’s not possible to predict which insurance companies will have the lowest Dodge Durango insurance rates.

Discounts can save BIG

Companies do not advertise every available discount in a way that’s easy to find, so we took the time to find both the well known and the harder-to-find discounts you could be receiving. If you aren’t receiving every discount you deserve, you are throwing money away.

  • 55 and Retired – Mature drivers may receive a discount up to 10% for Durango insurance.
  • No Claims – Drivers with accident-free driving histories can earn big discounts compared to frequent claim filers.
  • Defensive Driver – Successfully completing a course teaching defensive driving skills could save 5% or more depending on where you live.
  • Early Signing – Select companies give a discount for switching policies before your current policy expires. This can save 10% or more.
  • Payment Discounts – If paying your policy premium upfront instead of monthly or quarterly installments you can actually save on your bill.

A little note about advertised discounts, most discount credits are not given to the overall cost of the policy. Some only apply to individual premiums such as collision or personal injury protection. So even though it sounds like you can get free auto insurance, you won’t be that lucky.

To see a list of providers offering car insurance discounts, follow this link.

Will just any policy work for me?

When it comes to choosing adequate coverage, there isn’t really a best way to insure your cars. Each situation is unique.

Here are some questions about coverages that might point out if you will benefit from professional help.

  • What discounts do I qualify for?
  • Am I covered if I wreck a rental car?
  • Do I need PIP coverage since I have good health insurance?
  • What vehicles should carry emergency assistance coverage?
  • Will I lose any money if I cancel my policy before it expires?
  • I have good health insurance, so how much medical payments coverage do I need?
  • Is extra glass coverage worth it?

If you can’t answer these questions but you think they might apply to your situation, then you may want to think about talking to an agent. To find lower rates from a local agent, simply complete this short form. It’s fast, free and can provide invaluable advice.

Auto insurance coverages 101

Having a good grasp of your policy can help you determine appropriate coverage for your vehicles. Auto insurance terms can be impossible to understand and nobody wants to actually read their policy.

Liability coverages – Liability insurance provides protection from damages or injuries you inflict on other people or property by causing an accident. It protects you from legal claims by others, and does not provide coverage for damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. As an example, you may have limits of 100/300/100 that means you have a $100,000 limit per person for injuries, a limit of $300,000 in injury protection per accident, and property damage coverage for $100,000.

Liability coverage pays for things such as loss of income, medical services and repair bills for other people’s vehicles. The amount of liability coverage you purchase is a decision to put some thought into, but it’s cheap coverage so purchase higher limits if possible.

Medical costs insurance – Medical payments and Personal Injury Protection insurance reimburse you for immediate expenses like EMT expenses, doctor visits, X-ray expenses, ambulance fees and rehabilitation expenses. The coverages can be used to cover expenses not covered by your health insurance plan or if you are not covered by health insurance. They cover all vehicle occupants and will also cover any family member struck as a pedestrian. Personal injury protection coverage is not universally available but can be used in place of medical payments coverage

UM/UIM Coverage – This provides protection when other motorists are uninsured or don’t have enough coverage. Covered claims include injuries to you and your family and damage to your Dodge Durango.

Because many people carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important.

Collision coverages – Collision coverage pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. A deductible applies then your collision coverage will kick in.

Collision coverage protects against things like sideswiping another vehicle, crashing into a ditch and sustaining damage from a pot hole. Collision is rather expensive coverage, so consider dropping it from lower value vehicles. Drivers also have the option to increase the deductible to bring the cost down.

Comprehensive or Other Than Collision – Comprehensive insurance pays for damage OTHER than collision with another vehicle or object. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against claims such as a tree branch falling on your vehicle, a broken windshield, damage from flooding, damage from getting keyed and hitting a deer. The most you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.

A little work can save a LOT of money

People switch companies for many reasons like policy non-renewal, delays in responding to claim requests, policy cancellation or denial of a claim. It doesn’t matter why you want to switch finding a new insurance coverage company can be pretty painless.

The cheapest 2001 Dodge Durango insurance is definitely available on the web and with local insurance agents, and you should compare price quotes from both to get a complete price analysis. A few companies do not offer online quoting and these small insurance companies work with independent agents.

You just read a lot of tips how to lower your insurance rates. The key thing to remember is the more price quotes you have, the better chance you’ll have of finding lower rates. You may be surprised to find that the lowest priced insurance coverage comes from the smaller companies.

More detailed insurance coverage information is available at these sites: