Compare 2009 Dodge Durango Insurance Quotes

Searching for low-cost insurance coverage online may be intimidating for consumers not familiar with comparing rates online. With so many choices of companies in the marketplace, how can consumers have a chance to compare every company to locate the cheapest available price?

It is always a good idea to compare prices every six months due to the fact that insurance rates go up and down regularly. If you had the best deal on Durango coverage a few years ago you may be paying too much now. Don’t believe everything you read about insurance coverage on the internet, so by reading this article, you’re going to learn some great ideas on how to buy insurance coverage cheaper.

How to Buy Insurance Online

All major insurance companies provide price estimates on their websites. Obtaining pricing is fairly straightforward as you just type in your coverage preferences into a form. After you submit the form their system will order information on your driving record and credit history and generates pricing information based on these factors.

Online price quotes makes it a lot easier to compare rates but the time it takes to visit each company’s website and repetitively enter the same data into a form can get tiresome after awhile. But it is imperative to get many rate quotes if you want to find the best price possible.

Compare rates the easy way

The quickest way to lower your insurance bill uses one form that obtains quotes from many companies. It saves time, helps eliminate reptitive entry, and makes rate comparisons much easier to do. After sending your information, your coverage is rated with multiple companies and you can pick any one of the price quotes you receive.

If the quotes result in lower rates, it’s easy to complete the application and purchase the new policy. This process takes less than 15 minutes and you will know how your current rates stack up.

To use this form to compare rates, click here and enter your information. To compare your current rates, we recommend you complete the form with the insurance coverages exactly as shown on your declarations page. Doing this guarantees you will have rate comparison quotes for similar coverage.

Don’t overlook these discounts

Insurance can cost an arm and a leg, but you can get discounts to help offset the cost. Certain discounts will be applied at the time of purchase, but lesser-known reductions have to be asked about before being credited.

  • Discounts for Safe Drivers – Insureds without accidents may save up to 50% more on Durango coverage than drivers with accidents.
  • Sign Online – A handful of insurance companies give back up to $50 for buying a policy and signing up digitally online.
  • Homeowners Pay Less – Simply owning a home can save you money because owning a home demonstrates responsibility.
  • Save over 55 – If you qualify as a senior citizen, you may qualify for a discount up to 10% on Durango coverage.
  • Resident Student – Youth drivers who attend school more than 100 miles from home and do not have access to a covered vehicle can receive lower rates.

A little note about advertised discounts, some of the credits will not apply the the whole policy. Most only apply to the price of certain insurance coverages like comprehensive or collision. So when the math indicates you can get free auto insurance, it just doesn’t work that way. But all discounts will reduce your overall premium however.

For a list of insurance companies offering insurance discounts, follow this link.

Lesser-known factors impacting Dodge Durango insurance rates

Consumers need to have an understanding of the different types of things that come into play when calculating the rates you pay for auto insurance. Understanding what influences your rates empowers consumers to make smart changes that can help you get lower auto insurance prices.

  • Extra coverages can waste money – There are a ton of add-on coverages that can waste your money when buying auto insurance. Coverages like personal injury protection, accident forgiveness and motor club memberships may be costing you every month. They may seem like a good idea initially, but if you don’t need them get rid of them and save.
  • Pay less after the wedding – Having a wife or husband actually saves money on auto insurance. It translates into being more responsible and statistics show married couples file fewer claims.
  • Your credit rating is important – A driver’s credit history is a huge factor in determining what you pay for auto insurance. Therefore, if your credit score is not that good, you could potentially save money when insuring your 2009 Dodge Durango by improving your rating. People with high credit ratings tend to be more responsible than drivers who have lower credit scores.
  • Occupation reflects on rates – Did you know your job can affect your rates? Occupations such as judges, social workers and accountants tend to have higher rates than average attributed to high stress and long work hours. On the flip side, professions such as pilots, athletes and performers receive lower rates on Durango coverage.
  • Proper usage rating affects rates – The more you drive in a year’s time the more you will pay for auto insurance. Most insurance companies apply a rate based on their usage. Autos not used for work or commuting get more affordable rates than vehicles that are driven to work every day. Having the wrong rating on your Durango can result in significantly higher rates. Ask your agent if your auto insurance policy properly reflects the correct driver usage.
  • Men are more aggressive – Statistics demonstrate that men are more aggressive behind the wheel. Now that doesn’t mean men are WORSE drivers than women. Women and men tend to get into accidents at a similar rate, but men tend to have more serious accidents. Men also receive more costly citations such as DWI and reckless driving.
  • Always keep insurance in force – Driving without insurance is illegal and your next policy will cost more because you let your coverage have a gap. Not only will you pay more, but not being able to provide proof of insurance will get you a steep fine or even jail time.You may need to prove you have insurance by filing a SR-22 with your state motor vehicle department.

Is my situation unique?

When buying the right insurance coverage, there really is no “perfect” insurance plan. Each situation is unique.

Here are some questions about coverages that may help you determine if your insurance needs would benefit from professional advice.

  • How much can I save by bundling my policies?
  • What exactly is covered by my policy?
  • How do I insure my teen driver?
  • Is a new car covered when I drive it off the dealer lot?
  • Does my liability insurance cover pulling a trailer or camper?
  • Do I need special endorsements for business use of my vehicle?
  • If I drive on a suspended license am I covered?
  • Can I afford to pay high deductible claims out of pocket?
  • Is my business laptop covered if it gets stolen from my vehicle?
  • Should I buy full coverage?

If you can’t answer these questions but a few of them apply, you may need to chat with a licensed agent. If you don’t have a local agent, simply complete this short form.

Beware of misleading auto insurance ads

Auto insurance companies such as Progressive, GEICO, Allstate and State Farm continually stream ads on television and other media. They all seem to make an identical promise of big savings after switching to them. How can each company make the same claim?

Insurance companies are able to cherry pick for the type of customer they prefer to insure. A good example of a preferred risk might be profiled as a mature driver, a clean driving record, and drives less than 10,000 miles a year. Any new insured who matches those parameters receives the best rates and therefore will save when they switch companies.

Drivers who fall outside the “perfect” profile will be charged higher rates and ends up with the customer not buying. The ad wording is “customers that switch” not “people who quote” save that much money. That’s the way insurance companies can advertise the way they do.

That is why drivers should get a wide range of price quotes. It is impossible to predict which auto insurance company will give you the biggest savings on Dodge Durango insurance.

Insurance coverage considerations

Knowing the specifics of insurance can be of help when determining the best coverages at the best deductibles and correct limits. The coverage terms in a policy can be confusing and reading a policy is terribly boring.

Protection from uninsured/underinsured drivers

This coverage gives you protection from other motorists when they either have no liability insurance or not enough. This coverage pays for injuries to you and your family and also any damage incurred to your 2009 Dodge Durango.

Because many people only purchase the least amount of liability that is required, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Normally these coverages do not exceed the liability coverage limits.

Medical expense insurance

Coverage for medical payments and/or PIP pay for bills for doctor visits, hospital visits, nursing services and X-ray expenses. They are often utilized in addition to your health insurance policy or if you do not have health coverage. Coverage applies to all vehicle occupants in addition to getting struck while a pedestrian. Personal Injury Protection is only offered in select states and gives slightly broader coverage than med pay

Auto liability insurance

Liability coverage can cover damages or injuries you inflict on other’s property or people that is your fault. It protects YOU from claims by other people. It does not cover your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show policy limits of 50/100/50 which means $50,000 bodily injury coverage, a per accident bodily injury limit of $100,000, and a limit of $50,000 paid for damaged property. Some companies may use a combined limit which limits claims to one amount rather than limiting it on a per person basis.

Liability insurance covers things such as emergency aid, bail bonds and structural damage. How much liability coverage do you need? That is your choice, but you should buy as much as you can afford.

Collision coverage protection

Collision insurance pays for damage to your Durango caused by collision with another car or object. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers things such as colliding with another moving vehicle, hitting a parking meter and sustaining damage from a pot hole. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. You can also choose a higher deductible in order to get cheaper collision rates.

Comprehensive (Other than Collision)

This coverage pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against things like damage from getting keyed, a broken windshield, rock chips in glass and a tree branch falling on your vehicle. The most you can receive from a comprehensive claim is the actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Spend less. Save more.

Cheap 2009 Dodge Durango insurance is possible from both online companies in addition to many insurance agents, and you need to price shop both in order to have the best price selection to choose from. Some auto insurance companies do not provide the ability to get a quote online and most of the time these small, regional companies sell through independent agents.

We’ve covered many ways to save on insurance. The key concept to understand is the more rate comparisons you have, the better chance you’ll have of finding lower rates. Consumers could even find that the biggest savings come from an unexpected company.

When shopping online for auto insurance, do not buy less coverage just to save a little money. There are a lot of situations where consumers will sacrifice full coverage and discovered at claim time that the savings was not a smart move. Your aim should be to find the BEST coverage at a price you can afford while not skimping on critical coverages.

Much more information about auto insurance is located at the links below