2002 Dodge Durango Insurance Rates – 7 Tricks for Best Quotes

Paying for high-priced Dodge Durango insurance can drain your bank account and make it impossible to make ends meet. Comparison shopping is free and is an excellent way to slash your bill and have more diposable income. Since consumers have many different company options, it’s difficult to locate the best company.

It’s a good idea to do rate comparisons at least once a year since insurance rates are usually higher with each renewal. Despite the fact that you may have had the best rates on Durango coverage a year ago you may be paying too much now. You can find a lot of misleading information regarding insurance coverage online, so I’m going to show you some good information on how to reduce your insurance coverage bill.

This information will help you learn how to get online quotes and some tricks to saving. If you are paying for car insurance now, you will most likely be able to lower your premiums substantially using these methods. Vehicle owners just need to understand the best way to shop for car insurance on the web.

How to Lower Your Car Insurance Cost

There are multiple methods to compare 2002 Dodge Durango car insurance prices but there is one way that is less time-consuming than others. You could waste a few hours talking to insurance agencies in your area, or you can utilize online quotes to quickly compare rates.

Most major companies participate in a marketplace that enables customers to enter their coverage request one time, and at least one company provides a quote for coverage. This saves time by eliminating quote requests to every company.

To fill out one form to compare multiple rates now click here to open in new window.

One minor caviat to using this type of form is you can’t choose which companies you want pricing from. If you wish to select specific providers to compare prices, we have assembled a list of car insurance companies in your area. Click to view list.

Whichever method you choose, compare identical deductibles and coverage limits with each company. If your comparisons have different liability limits then you won’t be able to truly determine the lowest rate.

When might I need the advice of an agent?

When buying the right insurance coverage for your personal vehicles, there isn’t really a “best” method to buy coverage. Everyone’s situation is unique and a cookie cutter policy won’t apply. For example, these questions might help in determining if your situation might need an agent’s assistance.

  • Can my teen driver be rated on a liability-only vehicle?
  • When should I drop full coverage on my 2002 Dodge Durango?
  • Do I need higher collision deductibles?
  • Should I file a claim if it’s only slightly more than my deductible?
  • How do I file an SR-22 for a DUI in my state?
  • Do all my vehicles need collision coverage?
  • Should I have combined single limit or split liability limits?
  • Is motorclub coverage worth it?
  • Does my policy cover my teen driver if they drive my company car?

If you can’t answer these questions but one or more may apply to you, you might consider talking to a licensed agent. If you don’t have a local agent, complete this form or you can also visit this page to select a carrier It is quick, free and you can get the answers you need.

Detailed coverages of your insurance policy

Understanding the coverages of insurance aids in choosing appropriate coverage and proper limits and deductibles. The terms used in a policy can be difficult to understand and nobody wants to actually read their policy. Below you’ll find the normal coverages found on the average insurance policy.

Auto collision coverage

Collision coverage will pay to fix damage to your Durango from colliding with another vehicle or an object, but not an animal. A deductible applies then your collision coverage will kick in.

Collision insurance covers things such as sideswiping another vehicle, colliding with a tree, colliding with another moving vehicle, backing into a parked car and rolling your car. This coverage can be expensive, so consider removing coverage from vehicles that are 8 years or older. You can also increase the deductible to save money on collision insurance.

Comprehensive or Other Than Collision

Comprehensive insurance coverage pays for damage from a wide range of events other than collision. A deductible will apply then your comprehensive coverage will pay.

Comprehensive insurance covers claims like theft, vandalism, hitting a bird and hitting a deer. The maximum payout you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.

Medical costs insurance

Medical payments and Personal Injury Protection insurance provide coverage for bills for hospital visits, doctor visits and nursing services. The coverages can be used to fill the gap from your health insurance policy or if there is no health insurance coverage. Coverage applies to not only the driver but also the vehicle occupants in addition to any family member struck as a pedestrian. PIP is only offered in select states but can be used in place of medical payments coverage

UM/UIM Coverage

This protects you and your vehicle’s occupants when the “other guys” are uninsured or don’t have enough coverage. Covered claims include hospital bills for your injuries and damage to your Dodge Durango.

Since a lot of drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is important protection for you and your family. Frequently the UM/UIM limits are similar to your liability insurance amounts.

Liability auto insurance

Liability insurance can cover injuries or damage you cause to a person or their property in an accident. It protects you from claims by other people. Liability doesn’t cover your injuries or vehicle damage.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see limits of 50/100/50 that means you have a limit of $50,000 per injured person, a per accident bodily injury limit of $100,000, and property damage coverage for $50,000. Alternatively, you may have a combined limit which combines the three limits into one amount rather than limiting it on a per person basis.

Liability insurance covers claims such as bail bonds, medical services and attorney fees. The amount of liability coverage you purchase is your choice, but buy as large an amount as possible.