How Much Does 2003 Dodge Durango Insurance Cost?

Looking for better auto insurance rates for your Dodge Durango? Having to pay for overpriced Dodge Durango insurance can drain your bank account and force you to make sacrifices. Comparison shopping is free and is an excellent way to help make ends meet. Having so many different company options, it’s nearly impossible to pick the most cost effective car insurance company.

Consumers should take time to take a look at other company’s rates quite often due to the fact that insurance rates are constantly changing. Despite the fact that you may have had the lowest price for Durango insurance on your last policy you can probably find a lower rate today. So just forget anything you know (or think you know) about auto insurance because you’re going to get a crash course in the best way to find better rates and still maintain coverage.

This information will help you learn how car insurance quotes work and some tricks to saving. If you are paying for car insurance now, you should be able to reduce your rates substantially using this information. Drivers just need to understand the most effective way to compare price quotes on the web.

The quickest method to compare insurance rates from multiple companies is to know the trick car insurance companies participate in online systems to give you rate quotes. All consumers are required to do is spend a couple of minutes providing details such as the type of vehicles you drive, your occupation, if your license is active, and whether you drive to work or school. That information is sent automatically to many highly-rated insurers and they return quotes instantly to find the best rate.

To start a rate quote now, click here and enter your zip code.

Don’t miss these discounts

Insurance can be prohibitively expensive, buy you may qualify for discounts that many people don’t even know exist. Certain discounts will be triggered automatically at the time you complete a quote, but a few must be requested specifically before being credited. If you don’t get every credit available, you’re just leaving money on the table.

  • Pay Upfront and Save – By paying your policy upfront instead of monthly or quarterly installments you may reduce your total bill.
  • Theft Prevention Discount – Cars that have factory anti-theft systems are stolen less frequently and earn discounts up to 10%.
  • Club Memberships – Being a member of a civic or occupational organization could trigger savings on your policy for Durango insurance.
  • More Vehicles More Savings – Buying coverage for multiple cars or trucks on one policy qualifies for this discount.
  • Fewer Miles Equal More Savings – Keeping the miles down on your Dodge could qualify for better rates on cars that stay parked.
  • College Student – Children who live away from home without a vehicle on campus can be insured at a reduced rate.

Consumers should know that some of the credits will not apply to all coverage premiums. Most cut the price of certain insurance coverages like liability and collision coverage. So even though they make it sound like having all the discounts means you get insurance for free, it doesn’t quite work that way. But all discounts will bring down the cost of coverage.

Car insurance companies that may have these money-saving discounts include:

Check with each insurance company how you can save money. Some discounts might not apply in your state.

Dodge Durango rates are in the details

Consumers need to have an understanding of some of the elements that help determine the rates you pay for auto insurance. Understanding what controls the rates you pay enables informed choices that may reward you with better auto insurance rates.

The following are some of the items auto insurance companies consider when setting rates.

  • Multi-policy discounts can save money – Some auto insurance companies give discounts to customers who have multiple policies with them such as combining an auto and homeowners policy. This can amount to ten or even up to twenty percent in some cases. Even if you’re getting this discount you still need to shop around to ensure the best deal.
  • You might want pay the small claims yourself – If you frequently file small claims, you can look forward to either a policy non-renewal or much higher rates. Car insurance companies provide cheaper rates to policyholders who do not rely on their insurance for small claims. Auto insurance is meant to be used in the event of larger claims.
  • Extra add-on coverages are wasting money – There are many add-on coverages that you can get tricked into buying on your Durango policy. Things like rental car reimbursement, accidental death and term life insurance are some examples. These may sound like a good investment when you first buy your policy, but if they’re wasting money remove them from your policy.
  • Safer cars are cheaper to insure – Cars with high safety ratings can get you lower premiums. Safer cars result in less severe injuries and fewer injuries means lower claim amounts and lower rates for you. If your Dodge Durango scored better than four stars on Safercar.gov it may be receiving lower rates.
  • Teen drivers pay high rates – Older insureds are more cautious drivers, file fewer claims and tend to be better behind the wheel. Teenage drivers are statistically proven to get distracted easily when behind the wheel and because of this, their auto insurance rates are much higher.

When might I need help?

When choosing coverage for your vehicles, there really is not a perfect coverage plan. Every situation is different so this has to be addressed. These are some specific questions might point out if your situation would benefit from an agent’s advice.

  • Do I have any recourse if my insurance company denies a claim?
  • What is no-fault insurance?
  • What is roadside assistance coverage?
  • What is high-risk coverage and where do I buy it?
  • Is there coverage for injuries to my pets?
  • Does my 2003 Dodge Durango need full coverage?
  • How many claims can I have before being cancelled?
  • When do I need to add a new car to my policy?
  • Should I put collision coverage on all my vehicles?
  • Is my 2003 Dodge Durango covered for flood damage?

If you can’t answer these questions then you might want to talk to a licensed agent. To find lower rates from a local agent, take a second and complete this form or you can also visit this page to select a carrier It only takes a few minutes and can provide invaluable advice.

Is there deception in advertising?

Drivers get pounded daily by advertisements for cheaper car insurance by 21st Century, Allstate and State Farm. All the companies make an identical promise that you can save if you change to their company.

But how can every company say the same thing? It’s all in the numbers.

Insurance companies have a certain “appetite” for the right customer they prefer to insure. An example of a profitable customer might be profiled as between the ages of 30 and 50, has no tickets, and has excellent credit. A propective insured that hits that “sweet spot” receives the best rates and as a result will probably save when switching.

Potential insureds who don’t measure up to the “perfect” profile will have to pay higher rates which usually ends up with the customer not buying. Company advertisements say “people who switch” but not “drivers who get quotes” save that much. That’s why companies can make the claims of big savings.

Because of the profiling, you should compare as many rates as you can. It’s impossible to know which insurance companies will fit your personal profile best.

Car insurance policy specifics

Learning about specific coverages of a car insurance policy aids in choosing the best coverages and the correct deductibles and limits. The terms used in a policy can be impossible to understand and nobody wants to actually read their policy. Listed below are the usual coverages found on most car insurance policies.

Coverage for medical payments

Medical payments and Personal Injury Protection insurance provide coverage for bills such as EMT expenses, nursing services, dental work, chiropractic care and pain medications. The coverages can be used in conjunction with a health insurance program or if there is no health insurance coverage. It covers you and your occupants as well as any family member struck as a pedestrian. PIP is only offered in select states but can be used in place of medical payments coverage

Auto liability insurance

This coverage protects you from damage or injury you incur to a person or their property. It protects YOU from legal claims by others. It does not cover your injuries or vehicle damage.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see values of 25/50/25 which stand for $25,000 bodily injury coverage, $50,000 for the entire accident, and $25,000 of coverage for damaged propery. Some companies may use one limit called combined single limit (CSL) that pays claims from the same limit without having the split limit caps.

Liability insurance covers claims like repair costs for stationary objects, funeral expenses, emergency aid, repair bills for other people’s vehicles and attorney fees. How much liability coverage do you need? That is your choice, but consider buying as much as you can afford.

Collision protection

Collision insurance covers damage to your Durango from colliding with an object or car. You will need to pay your deductible then your collision coverage will kick in.

Collision coverage protects against claims like crashing into a ditch, sideswiping another vehicle, hitting a mailbox and hitting a parking meter. Paying for collision coverage can be pricey, so you might think about dropping it from vehicles that are 8 years or older. Drivers also have the option to bump up the deductible to get cheaper collision coverage.

Uninsured and underinsured coverage

This coverage gives you protection from other drivers when they are uninsured or don’t have enough coverage. This coverage pays for medical payments for you and your occupants and damage to your 2003 Dodge Durango.

Since many drivers only purchase the least amount of liability that is required, their limits can quickly be used up. So UM/UIM coverage should not be overlooked. Normally these coverages are similar to your liability insurance amounts.

Comprehensive coverages

Comprehensive insurance coverage covers damage caused by mother nature, theft, vandalism and other events. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive coverage protects against things like hitting a deer, rock chips in glass, a tree branch falling on your vehicle, falling objects and theft. The maximum amount a car 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 dropping full coverage.

More quotes. Lower rates.

Discount 2003 Dodge Durango insurance can be found online in addition to many insurance agents, and you should compare price quotes from both to have the best chance of lowering rates. A few companies do not provide online quoting and usually these smaller companies provide coverage only through local independent agents.

You just learned many ways to lower your insurance rates. The key concept to understand is the more you quote, the higher the chance of saving money. You may even find the best price on insurance coverage is with a lesser-known regional company. Some small companies may have significantly lower rates on certain market segments than their larger competitors like State Farm or Progressive.

More detailed insurance coverage information can be read in these articles: