2000 Dodge Durango Insurance Rates

Finding better insurance prices for your Dodge Durango could be a painful process, but you can use a few tricks and make it easy. There is a better way to compare insurance coverage rates and we’ll show you the quickest way to get price quotes for a new or used Dodge and find the best price possible from local insurance agents and online providers.

Consumers should take time to price shop coverage on a regular basis because prices fluctuate regularly. Even if you think you had the best rates on Durango insurance six months ago other companies may now be cheaper. Starting right now, forget all the misinformation about insurance coverage because we’re going to show you one of the easiest ways to reduce your cost while increasing coverage.

Finding affordable coverage is not that difficult. If you have a policy now or need new coverage, you can use these techniques to shop for the lowest rates while maintaining coverages. Drivers just need to understand the best way to shop online.

Factors that can influence Dodge Durango insurance rates

Smart consumers have a good feel for the rating factors that go into determining the rates you pay for car insurance. Understanding what impacts premium levels allows you to make educated decisions that could result in much lower annual insurance costs.

  • No coverage gaps is important – Driving your car without having proper coverage is a misdemeanor and you will pay a penalty because you let your insurance expire. Not only will rates go up, getting caught without coverage can result in a steep fine or even jail time.
  • Your car’s features help determine rates – Purchasing a vehicle with a theft deterrent system can save you a little every year. Anti-theft features such as vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems all aid in stopping car theft.
  • Clean credit earns discounts – A driver’s credit score is a large factor in your rate calculation. So if your credit history is lower than you’d like, you could pay less to insure your 2000 Dodge Durango by improving your credit score. Drivers who have excellent credit tend to be better drivers and file fewer claims as compared to drivers with poor credit.
  • Older drivers pay less – Mature drivers are more cautious drivers, tend to cause fewer accidents and are safer drivers. Young drivers have a tendency to be more careless in a vehicle therefore car insurance rates are much higher.
  • Where you reside plays a part – Residing in a rural area can save you money when buying car insurance. Urban drivers have to deal with traffic congestion and much longer commute distances. Lower population means reduced accidents and also fewer theft and vandalism claims.

Don’t pay full price with these discounts

Companies offering auto insurance don’t necessarily list all available discounts very well, so we break down both the well known and the more hidden ways to save on car insurance. If you don’t get every credit available, you’re paying more than you need to.

  • Homeowners Discount – Owning a house can save you money due to the fact that maintaining a home requires personal responsibility.
  • Sign Early and Save – Some insurance companies reward drivers for signing up prior to your current policy expiring. It can save you around 10%.
  • Life Insurance – Some companies give lower rates if you buy life insurance.
  • Anti-lock Brake Discount – Anti-lock brake equipped vehicles can reduce accidents and earn discounts up to 10%.
  • Clubs and Organizations – Participating in certain professional organizations could trigger savings when shopping for car insurance on Durango insurance.
  • Discount for New Cars – Insuring a new car can cost up to 25% less because new vehicles have to meet stringent safety requirements.
  • Use Seat Belts – Requiring all passengers to use a seat belt can save up to 15% off the personal injury premium cost.
  • Student Driver Training – Require your teen driver to take driver’s ed class if offered at their school.

It’s important to note that most discounts do not apply the the whole policy. The majority will only reduce specific coverage prices like physical damage coverage or medical payments. Just because you may think you would end up receiving a 100% discount, companies don’t profit that way.

To see a list of insurance companies with the best car insurance discounts, click here to view.

Ads can be misleading

Consumers get pounded daily by advertisements for the lowest price auto insurance from companies such as State Farm, Allstate and Geico. They all say the same thing that you can save after switching your policy.

How does each company make almost identical claims?

Different companies have a certain “appetite” for the type of customer that is profitable for them. For example, a driver they prefer could possibly be a mature driver, is a homeowner, and chooses high deductibles. A customer who meets those qualifications will get the preferred rates and most likely will save when switching.

Potential customers who are not a match for the “perfect” profile must pay higher rates which leads to the customer not buying. The ads say “customers that switch” not “people who quote” save money. This is how companies can truthfully make those claims. This illustrates why it’s extremely important to compare as many rates as you can. You cannot predict which company will give you the biggest savings on Dodge Durango insurance.

Your personal situation dictates your coverage

When it comes to choosing proper insurance coverage, there isn’t really a “best” method to buy coverage. Every situation is different.

Here are some questions about coverages that can help discover whether or not you could use an agent’s help.

  • Is a new car covered when I drive it off the dealer lot?
  • What companies insure drivers after a DUI or DWI?
  • Will filing a claim cost me more?
  • Who is covered when they drive my 2000 Dodge Durango?
  • What is roadside assistance coverage?
  • Does my 2000 Dodge Durango qualify for pleasure use?
  • Does my policy cover my teen driver if they drive my company car?
  • Does insurance cover damages from a DUI accident?

If you can’t answer these questions but you know they apply to you, you may need to chat with an insurance agent. If you don’t have a local agent, take a second and complete this form. It’s fast, doesn’t cost anything and you can get the answers you need.

Auto insurance 101

Understanding the coverages of your policy aids in choosing which coverages you need at the best deductibles and correct limits. Auto insurance terms can be confusing and even agents have difficulty translating policy wording.

Collision coverage protection

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 claims like sideswiping another vehicle, colliding with another moving vehicle and sustaining damage from a pot hole. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Drivers also have the option to increase the deductible in order to get cheaper collision rates.

UM/UIM Coverage

Your UM/UIM coverage protects you and your vehicle’s occupants from other motorists when they either are underinsured or have no liability coverage at all. It can pay for medical payments for you and your occupants as well as your vehicle’s damage.

Since a lot of drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage is a good idea.

Liability insurance

Liability insurance can cover damage or injury you incur to people or other property that is your fault. This coverage protects you against claims from other people, and does not provide coverage for damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. You commonly see limits of 50/100/50 which stand for a $50,000 limit per person for injuries, a per accident bodily injury limit of $100,000, and property damage coverage for $50,000.

Liability coverage pays for claims like repair costs for stationary objects, funeral expenses, repair bills for other people’s vehicles, court costs and legal defense fees. How much liability should you purchase? That is a decision to put some thought into, but consider buying higher limits if possible.

Medical costs insurance

Personal Injury Protection (PIP) and medical payments coverage kick in for immediate expenses for things like X-ray expenses, rehabilitation expenses and prosthetic devices. They are often utilized in addition to your health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover you and your occupants and also covers being hit by a car walking across the street. PIP coverage is not universally available and gives slightly broader coverage than med pay

Comprehensive or Other Than Collision

This pays to fix your vehicle from damage from a wide range of events other than collision. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive insurance covers claims such as a tree branch falling on your vehicle, theft, damage from flooding and damage from getting keyed. The maximum amount your auto insurance company will pay is the actual cash value, so if the vehicle is not worth much consider dropping full coverage.

Cheaper insurance is a realistic goal

Consumers switch companies for a number of reasons such as extreme rates for teen drivers, delays in responding to claim requests, poor customer service or even unfair underwriting practices. No matter why you want to switch, finding the right insurance provider can be easier than you think.

As you restructure your insurance plan, it’s a bad idea to skimp on critical coverages to save a buck or two. In many cases, an insured cut uninsured motorist or liability limits to discover at claim time that it was a big mistake. Your goal should be to purchase plenty of coverage for the lowest price.

We covered some good ideas how you can get a better price on 2000 Dodge Durango insurance. It’s most important to understand that the more price quotes you have, the higher the chance of saving money. You may even discover the best price on insurance is with a smaller regional carrier.

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