Are you tired of being strong-armed to insure your Dodge every month? You are in the same boat as most other car owners.
Having so many options when it comes to auto insurance, it’s nearly impossible to pick the lowest cost company.
Consumers need to compare prices at least once a year because insurance rates are variable and change quite frequently. If you had the best deal for Durango insurance on your last policy there is a good chance you can find better rates now. So just forget all the misinformation about auto insurance because you’re going to get a crash course in how to quote online to properly buy coverages and cut your premium.
Car insurance companies do not advertise every discount in a way that’s easy to find, so we researched some of the best known and also the lesser-known ways to save on car insurance.
Drivers should understand that many deductions do not apply to the entire policy premium. Most only apply to individual premiums such as comprehensive or collision. Even though it may seem like it’s possible to get free car insurance, you won’t be that lucky.
Insurance companies that may offer these benefits include:
It’s a good idea to ask each company which discounts they offer. Savings may not apply in your state.
Performing a rate comparison can be a lot of work if you don’t know the fastest way to get free quotes. You can spend countless hours driving to insurance companies in your area, or you can stay home and use online quotes to get the quickest rates.
Many companies participate in a marketplace that enables customers to enter their policy data once, and every company then returns a price quote for coverage. This eliminates the need for quote requests to every company.
To access this free quoting program, click here to open in new window.
The single downside to doing it this way is that you can’t choose the providers to receive prices from. If you prefer to choose individual companies to compare prices, we have a page of companies who write auto insurance in your area. View list of insurance companies.
Whichever way you use, double check that you are using identical information for every company. If each company quotes different limits and deductibles on each one it will be next to impossible to find the best deal for your Dodge Durango. Having just a slight variation in coverages can result in a big premium difference. And when price shopping your coverage, obtaining a wide range of quotes will enable you to find the best price.
When buying proper insurance coverage, there really is not a cookie cutter policy. Every situation is different so this has to be addressed. Here are some questions about coverages that may help you determine whether your personal situation will benefit from professional help.
If you’re not sure about those questions, you might consider talking to an insurance agent. If you want to speak to an agent in your area, simply complete this short form or go to this page to view a list of companies.
Learning about specific coverages of a auto insurance policy can help you determine the right coverages and the correct deductibles and limits. The terms used in a policy can be confusing and nobody wants to actually read their policy. These are the usual coverages found on the average auto insurance policy.
This coverage covers damage to your Durango from colliding with an object or car. A deductible applies then your collision coverage will kick in.
Collision coverage pays for claims such as backing into a parked car, colliding with another moving vehicle, hitting a parking meter and sideswiping another vehicle. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from lower value vehicles. Another option is to increase the deductible in order to get cheaper collision rates.
Comprehensive insurance coverage will pay to fix damage OTHER than collision with another vehicle or object. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.
Comprehensive can pay for things like fire damage, damage from flooding, vandalism and hail damage. The maximum amount a auto insurance company will pay at claim time is the market value of your vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.
Your UM/UIM coverage provides protection from other drivers when they 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.
Due to the fact that many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is a good idea.
Coverage for medical payments and/or PIP reimburse you for expenses for things like doctor visits, dental work and hospital visits. They are often used to cover expenses not covered by your health insurance plan or if you do not have health coverage. Medical payments and PIP cover both the driver and occupants and will also cover getting struck while a pedestrian. Personal injury protection coverage is not an option in every state and gives slightly broader coverage than med pay
This coverage will cover injuries or damage you cause to other’s property or people in an accident. It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see values of 50/100/50 that translate to $50,000 in coverage for each person’s injuries, a total of $100,000 of bodily injury coverage per accident, and $50,000 of coverage for damaged propery.
Liability coverage protects against claims such as legal defense fees, court costs, emergency aid and attorney fees. The amount of liability coverage you purchase is up to you, but consider buying as high a limit as you can afford.
You just read some good ideas how you can shop for 2008 Dodge Durango insurance online. The key concept to understand is the more providers you compare, the higher your chance of finding lower rates. Consumers could even find that the best price on insurance coverage is with some of the lesser-known companies. These smaller insurers can often provide lower rates in certain areas than the large multi-state companies such as State Farm or Progressive.
While you’re price shopping online, it’s a bad idea to buy poor coverage just to save money. There are a lot of situations where someone dropped uninsured motorist or liability limits only to discover later that saving that couple of dollars actually costed them tens of thousands. Your goal should be to buy the best coverage you can find at an affordable rate while still protecting your assets.
Budget-conscious insurance is possible from both online companies in addition to many insurance agents, so compare prices from both to have the best rate selection. Some companies do not provide online quoting and usually these small, regional companies provide coverage only through local independent agents.