2008 Dodge Durango Insurance Quotes – 7 Savings Tips

Want the cheapest insurance rates for your Dodge Durango? Comparison shopping for insurance can seem to be hard for consumers not familiar with comparison shopping online. There are so many options available that it can quickly become a lot of work to locate the lowest price.

It’s a good idea to compare rates before your policy renews since rates are usually higher with each renewal. Just because you had the best deal on Durango coverage a year ago other companies may now be cheaper. Starting now, block out anything you think you know about insurance because you’re going to get a crash course in the tricks you need to know to properly buy coverages and cut your premium.

If you currently have car insurance, you should be able to reduce your rates substantially using these methods. The purpose of this post is to let you in on how car insurance quotes work and some tips to save money. Although consumers should learn the way insurance companies determine prices.

How to Compare Insurance Rates

There are a variety of methods to shop for 2008 Dodge Durango insurance, and some are easier and takes less work. You could spend your day discussing policy coverages with insurance agencies in your area, or you can utilize the web to accomplish the same thing much quicker.

The majority of car insurance companies belong to an insurance system where insurance shoppers enter their policy data once, and each company then returns a price quote determined by their information. This saves time by eliminating quote requests to each company.

To compare 2008 Dodge Durango rates now click here to start a free quote.

One minor caviat to getting quotes like this is that you can’t choose which insurance companies to receive prices from. If you prefer to choose specific providers to compare prices, we put together a list of companies who write insurance in your area. Click here for list of insurance companies.

Which method you use is up to you, but make darn sure you compare exactly the same coverage limits with every price quote. If each company quotes different deductibles you will not be able to determine the best price for your Dodge Durango. Slightly different coverages can result in a big premium difference. Just keep in mind that more quotes will improve the odds of getting a lower rate.

Do you qualify for a discount?

Insuring your vehicles can cost a lot, buy you may qualify for discounts to help bring down the price. Some discounts apply automatically at the time of purchase, but some may not be applied and must be specifically requested before they will apply.

  • Theft Prevention System – Vehicles with anti-theft systems are stolen less frequently and therefore earn up to a 10% discount.
  • Multiple Vehicles – Buying insurance for multiple vehicles with the same company could earn a price break for each car.
  • Distant Student – Children living away from home attending college without a vehicle on campus can be insured at a reduced rate.
  • Homeowners Savings – Owning a home can save you money due to the fact that maintaining a home requires personal responsibility.
  • Discounts for Safe Drivers – Drivers who don’t get into accidents may receive a discount up to 45% less on Durango coverage than less cautious drivers.
  • Federal Employees – Employees or retirees of the government can save as much as 8% on Durango coverage with certain companies.
  • Seat Belt Usage – Buckling up and requiring all passengers to use a seat belt can save 10% or more on the medical payments or PIP coverage costs.

As a disclaimer on discounts, most discount credits are not given the the whole policy. Some only apply to the cost of specific coverages such as medical payments or collision. So even though they make it sound like it’s possible to get free car insurance, companies wouldn’t make money that way. Any amount of discount will reduce your overall premium however.

For a list of insurance companies with the best car insurance discounts, click here.

What coverages do I need?

When buying the best auto insurance coverage for your personal vehicles, there really is no “perfect” insurance plan. Your needs are not the same as everyone else’s.

For example, these questions might point out whether you might need professional guidance.

  • How can I force my company to pay a claim?
  • What is no-fault insurance?
  • When should I buy a commercial auto policy?
  • When can I cancel my policy?
  • Can my teen drive my company car?
  • Is a blown tire covered by insurance?
  • Does coverage extend to Mexico or Canada?

If it’s difficult to answer those questions but one or more may apply to you, then you may want to think about talking to a licensed agent. To find an agent in your area, complete this form.

Learn about insurance coverages for a Dodge Durango

Learning about specific coverages of your insurance policy helps when choosing appropriate coverage and the correct deductibles and limits. The terms used in a policy can be confusing and reading a policy is terribly boring.

Insurance for medical payments

Personal Injury Protection (PIP) and medical payments coverage provide coverage for expenses for X-ray expenses, prosthetic devices and EMT expenses. They are often used in conjunction with a health insurance program or if there is no health insurance coverage. Coverage applies to both the driver and occupants in addition to being hit by a car walking across the street. PIP is not an option in every state and gives slightly broader coverage than med pay

Comprehensive coverage (or Other than Collision)

Comprehensive insurance coverage pays to fix your vehicle from 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 coverage protects against things like hail damage, falling objects and theft. The most a insurance company will pay at claim time is the cash value of the vehicle, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Auto liability insurance

This coverage provides protection from damages or injuries you inflict on people or other property. This insurance protects YOU from legal claims by others. It does not cover 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 commonly see values of 25/50/25 that translate to $25,000 bodily injury coverage, a limit of $50,000 in injury protection per accident, and $25,000 of coverage for damaged propery. Another option is a combined single limit or CSL which limits claims to one amount without having the split limit caps.

Liability can pay for things such as structural damage, repair bills for other people’s vehicles and medical services. How much coverage you buy is a personal decision, but consider buying as much as you can afford.

Collision 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 coverage pays for claims like sustaining damage from a pot hole, hitting a parking meter, crashing into a ditch, rolling your car and colliding with another moving vehicle. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are older. Another option is to bump up the deductible in order to get cheaper collision rates.

Uninsured Motorist or Underinsured Motorist insurance

This coverage protects you and your vehicle when other motorists are uninsured or don’t have enough coverage. It can pay for injuries to you and your family and damage to your Dodge Durango.

Since many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family. Normally your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.

A penny saved is a penny earned

When trying to cut insurance costs, it’s a bad idea to buy lower coverage limits just to save a few bucks. In many cases, an insured cut collision coverage only to discover later that their decision to reduce coverage ended up costing them more. Your goal should be to purchase plenty of coverage for the lowest price while not skimping on critical coverages.

We’ve covered some good ideas how to shop for 2008 Dodge Durango insurance online. It’s most important to understand that the more rate comparisons you have, the better your comparison will be. Drivers may discover the best prices are with a small mutual company.

Consumers leave their current company for many reasons like delays in responding to claim requests, not issuing a premium refund, extreme rates for teen drivers or even high prices. Regardless of your reason, switching insurance companies is not as hard as you think.

Helpful articles