Cheaper 2003 Dodge Durango Insurance Quotes

Want the cheapest car insurance rates for your Dodge Durango? Finding affordable car insurance is always difficult for consumers new to comparison shopping online. People have so many options available that it can quickly become a lot of work to locate the lowest price.

Finding the best rates is not rocket science. Basically, every vehicle owner who carries insurance should be able to find better rates. Nevertheless, car owners must know how companies determine prices and apply this information to your search.

The method we recommend to compare car insurance company rates is to take advantage of the fact most of the bigger providers allow for online access to provide you with a free rate quote. The one thing you need to do is give them some information including your general credit rating, whether your vehicle is owned or leased, how your vehicles are used, and driver ages. That rating information is instantly provided to multiple different insurance companies and they provide comparison quotes almost instantly.

To check rates for your 2003 Dodge Durango, click here and complete the quick form.

Take advantage of discounts

Car insurance companies don’t always publicize every discount very clearly, so the following is a list of some of the best known and also the lesser-known ways to save on insurance.

  • Organization Discounts – Being a member of a professional or civic organization could trigger savings on your policy for Durango insurance.
  • Homeowners Savings – Being a homeowner can help you save on insurance because owning a home shows financial diligence.
  • Discount for Swiching Early – A few companies offer discounts for buying a policy before your current policy expires. The savings is around 10%.
  • Accident Waiver – A handful of insurance companies will allow you to have one accident before hitting you with a surcharge if your claims history is clear for a certain period of time.
  • New Vehicle Savings – Buying coverage on a new vehicle can save up to 30% due to better safety requirements for new cars.
  • Anti-theft Discount – Vehicles with anti-theft systems are stolen less frequently and will save you 10% or more.
  • Use Seat Belts – Using a seat belt and requiring all passengers to use a seat belt can save up to 15% off the personal injury premium cost.

It’s important to understand that most discount credits are not given to the entire cost. Some only apply to the price of certain insurance coverages like physical damage coverage or medical payments. Just because it seems like you can get free auto insurance, you won’t be that lucky.

Companies that may offer these benefits may include but are not limited to:

Check with every prospective company what discounts are available to you. All car insurance discounts might not be offered in your area.

Why your Dodge Durango might be costing you more

Smart consumers have a good feel for the factors that play a part in calculating your insurance coverage rates. Knowing what influences your rates enables informed choices that could result in big savings.

  • Where you live is a factor – Choosing to live in less populated areas can be a good thing when talking about insurance coverage. Drivers who live in large cities have much more traffic and longer commute times. Fewer people means fewer accidents and also fewer theft and vandalism claims.
  • Higher safety ratings means cheaper insurance – Vehicles with high crash test scores can get you lower premiums. These vehicles reduce injuries and better occupant protection means less money paid by your insurance company passed on to you as lower rates. If your Dodge is rated at least four stars on Safercar.gov or an “acceptable” rating on iihs.org you are probably receiving a discount.
  • Claim-free discounts can add up – If you are a frequent claim filer, you can look forward to either policy cancellation or increased premiums. Companies give lower rates to drivers who do not rely on their insurance for small claims. Your insurance policy is meant to be used in the event of larger claims.
  • Older drivers pay less – More mature drivers are more cautious drivers, tend to file fewer claims and tend to be better behind the wheel. Youthful drivers are known to be more careless when driving and because of this, their insurance coverage rates are much higher.
  • Men fork out a little more – Statistics demonstrate women are more cautious behind the wheel. Now that doesn’t mean women are better drivers. Both sexes have accidents in similar numbers, but the males tend to have more serious accidents. They also have more aggressive citations like reckless driving and DUI.
  • Extra add-on coverages are wasting money – There are many extra bells and whistles that can waste your money on your insurance coverage policy. Insurance for rental car reimbursement, accident forgiveness and term life insurance are examples of these. These may sound like a good investment when you first buy your policy, but if they’re wasting money eliminate the coverages to reduce your premium.

How to know if you need help

When it comes to choosing adequate coverage, there really is no best way to insure your cars. Each situation is unique.

Here are some questions about coverages that could help you determine if your insurance needs could use an agent’s help.

  • Do I need roadside assistance coverage?
  • Should I drop comprehensive coverage on older vehicles?
  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • Am I covered when renting a car or should I buy coverage from the car rental agency?
  • Are my tools covered if they get stolen from my vehicle?
  • How much liability do I need to cover my assets?
  • When can my company non-renew my policy?
  • Is a fancy paint job covered?
  • Am I covered if hit by an uninsured driver?
  • Am I better off with higher deductibles on my 2003 Dodge Durango?

If you can’t answer these questions but one or more may apply to you, you may need to chat with a licensed insurance agent. If you don’t have a local agent, fill out this quick form.

Specific coverages for a Dodge Durango

Learning about specific coverages of your insurance policy helps when choosing appropriate coverage and proper limits and deductibles. The coverage terms in a policy can be difficult to understand and reading a policy is terribly boring.

Auto liability insurance

Liability coverage can cover damage or injury you incur to a person or their property. It protects you from claims by other people, and does not provide coverage for your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see policy limits of 25/50/25 that means you have a $25,000 limit per person for injuries, a per accident bodily injury limit of $50,000, and a limit of $25,000 paid for damaged property.

Liability insurance covers claims like legal defense fees, repair costs for stationary objects, medical services, court costs and attorney fees. The amount of liability coverage you purchase is a personal decision, but buy higher limits if possible.

Uninsured Motorist or Underinsured Motorist insurance

Your UM/UIM coverage protects you and your vehicle from other motorists when they do not carry enough liability coverage. Covered losses include medical payments for you and your occupants as well as damage to your 2003 Dodge Durango.

Since many drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage should not be overlooked.

Collision coverage protection

This coverage covers damage to your Durango caused by collision with an object or car. You will need to pay your deductible then your collision coverage will kick in.

Collision insurance covers things like crashing into a building, driving through your garage door and damaging your car on a curb. Collision is rather expensive coverage, so you might think about dropping it from lower value vehicles. You can also bump up the deductible to get cheaper collision coverage.

Insurance for medical payments

Personal Injury Protection (PIP) and medical payments coverage provide coverage for expenses for things like surgery, rehabilitation expenses, X-ray expenses, nursing services and chiropractic care. They are used to fill the gap from your health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover all vehicle occupants in addition to being hit by a car walking across the street. PIP is not an option in every state but it provides additional coverages not offered by medical payments coverage

Comprehensive coverage (or Other than Collision)

This pays for damage caused by mother nature, theft, vandalism and other events. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for claims like damage from getting keyed, fire damage and a broken windshield. The most your insurance company will pay is the market value of your vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.

More effort can pay off

Drivers switch companies for a number of reasons such as policy cancellation, high rates after DUI convictions, an unsatisfactory settlement offer and policy non-renewal. Regardless of your reason for switching companies, finding a new insurance coverage company is not as difficult as it may seem.

Lower-priced 2003 Dodge Durango insurance is attainable from both online companies and also from your neighborhood agents, and you should compare price quotes from both in order to have the best price selection to choose from. Some insurance companies may not provide the ability to get a quote online and many times these small insurance companies only sell through independent insurance agents.

As you prepare to switch companies, never buy less coverage just to save a little money. There are a lot of situations where drivers have reduced liability limits or collision coverage only to discover later that the small savings ended up costing them much more. The aim is to get the best coverage possible at the best price, not the least amount of coverage.

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