View 2004 Dodge Durango Insurance Quotes

Did you fall for a flashy sales pitch and buy an underperforming, overpriced insurance policy? Trust us when we tell you you are not the only one feeling buyer’s remorse. Online insurance companies like Geico, Farmers Insurance and State Farm increase brand awareness with fancy advertisements and it is difficult to not get sucked in by the cute commercials and do the work needed to find the best deal.

If you have a current insurance coverage policy or need a new policy, you can use these techniques to get lower rates and still get good coverage. Finding affordable coverage is quite easy. Drivers just need to know the proper methods to get comparison quotes online.

How to Get Cheap Car Insurance

Getting better 2004 Dodge Durango car insurance pricing is surprisingly easy. All that’s required is to spend a little time to compare quotes online with multiple companies. This can be accomplished in several different ways.

  • The most efficient way consumers can analyze rates would be an industry-wide quote request form (click to open form in new window). This method prevents you from having to do repetitive form entry to each individual car insurance company. One quote request will get you price quotes instantly.
  • A less efficient way to get quotes online requires a visit to the website for each individual company to complete a price quote. For sake of this example, we’ll assume you want rates from Nationwide, State Farm and GMAC. To find out each rate you need to go to every website to input your insurance information, and that’s why the first method is more popular. To view a list of companies in your area, click here.
  • The most time-consuming way to compare rates is to spend time driving to local insurance agencies. The ability to buy insurance online makes this process obsolete unless you prefer the professional advice of a licensed agent. However, consumers can comparison shop online and still use a local agent. We’ll cover that shortly.

It doesn’t matter which method you choose, just double check that you are using exactly the same coverage limits for each price quote. If you have different deductibles it’s impossible to decipher which rate is best.

Tailor your coverage to you

When buying the right insurance coverage, there is no “best” method to buy coverage. Every situation is different so your insurance needs to address that. Here are some questions about coverages that could help you determine whether your personal situation might need an agent’s assistance.

  • Am I covered if hit by an uninsured driver?
  • How do I file an SR-22 for a DUI in my state?
  • Do I need rental car coverage?
  • Will I be non-renewed for getting a DUI or other conviction?
  • What happens if I owe more than my 2004 Dodge Durango is worth?
  • Am I covered if I wreck a rental car?

If it’s difficult to answer those questions but one or more may apply to you, you may need to chat with a licensed insurance agent. To find an agent in your area, complete this form or you can go here for a list of companies in your area. It’s fast, free and can provide invaluable advice.

Car insurance coverage considerations

Understanding the coverages of car insurance can help you determine the right coverages and the correct deductibles and limits. The coverage terms in a policy can be difficult to understand and reading a policy is terribly boring. These are the normal coverages found on the average car insurance policy.

Collision – Collision insurance covers damage to your Durango caused by collision with an object or car. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers claims like colliding with another moving vehicle, sustaining damage from a pot hole, driving through your garage door, hitting a mailbox and damaging your car on a curb. Paying for collision coverage can be pricey, so consider removing coverage from lower value vehicles. You can also bump up the deductible to save money on collision insurance.

Insurance for medical payments – Coverage for medical payments and/or PIP provide coverage for bills for things like funeral costs, rehabilitation expenses and ambulance fees. The coverages can be used in conjunction with a health insurance policy or if you do not have health coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants in addition to getting struck while a pedestrian. PIP is only offered in select states but can be used in place of medical payments coverage

Comprehensive coverage (or Other than Collision) – This coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers things such as vandalism, rock chips in glass and a tree branch falling on your vehicle. The maximum amount a car insurance company will pay at claim time is the market value of your vehicle, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Uninsured Motorist or Underinsured Motorist insurance – This coverage protects you and your vehicle when other motorists are uninsured or don’t have enough coverage. This coverage pays for hospital bills for your injuries and damage to your Dodge Durango.

Due to the fact that many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is a good idea. Normally your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.

Auto liability insurance – Liability coverage can cover damage or injury you incur to other people or property in an accident. It protects YOU against other people’s claims, and does not provide coverage for your injuries or vehicle damage.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have policy limits of 25/50/25 that translate to 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. Some companies may use a combined limit that pays claims from the same limit and claims can be made without the split limit restrictions.

Liability can pay for claims like court costs, structural damage and repair bills for other people’s vehicles. How much liability coverage do you need? That is your choice, but it’s cheap coverage so purchase higher limits if possible.