View 2011 Dodge Durango Insurance Cost

Want better car insurance rates for your Dodge Durango? Buying the cheapest car insurance on the web can seem to be intimidating for buying insurance online. With dozens of companies competing online, how can you effectively compare every company to locate the cheapest price possible?

If you have car insurance now, you should be able to lower your premiums substantially using this information. Locating the best insurance coverage can be fairly easy. Although vehicle owners must understand the way insurance companies market insurance on the web because it can help you find the best coverage.

The quickest way to compare policy rates is to know the fact car insurance companies have advanced systems to give you rate quotes. To begin a comparison, all you need to do is give the companies some data such as coverage limits, how your vehicles are used, if you’re married, and if you have an active license. Your details is instantly provided to multiple companies and they return quotes instantly.

Dodge Durango insurance price factors

Many things are used in the calculation when you get a price on insurance. Most are fairly basic such as your driving record, but some are more transparent like your vehicle usage or your commute time.

  • Do you really need to file that insurance claims? – Auto insurance companies give the lowest premiums to drivers who only file infrequent claims. If you’re an insured who likes to file claims you can definitely plan on increased rates or even have your policy non-renewed. Auto insurance is intended for more catestrophic claims.
  • Expect high rates for teens – Older insureds tend to be more responsible, statistically cause fewer accidents , and are generally more financially stable.Drivers with little experience are statistically proven to get distracted easily when driving so they pay higher insurance rates.
  • Is car insurance cheaper for males or females? – Over the last 30 years, statistics show that females tend to be a little less risky than males. This data doesn’t prove that females are better drivers. Both genders get in at-fault accidents in similar percentages, but the male of the species have costlier accidents. Men also tend to receive more major tickets such as reckless driving. Males from age 16 to 21 are the most expensive to insure so they pay the highest premiums.
  • Extra coverages that may not be needed – There are many add-on coverages that may not really be needed when buying insurance. Things like vanishing deductibles, accidental death, and extra life insurance coverage may be wasting your money. They may sound like good ideas when buying your policy, but if you’ve never needed them in the past eliminate the coverages to reduce your premium.
  • Prices can be impacted by your vocation – Jobs such as judgespolice officers and miners tend to have higher rates than average because of high stress and lots of time spent away from family. On the other hand, careers such as farmers, historians and retirees get better rates for Durango insurance.
  • Discounts for multiple policies – Many insurers will give discounts to buyers who buy several policies from them such as combining an auto and homeowners policy. Even with this discount, it’s always a smart idea to compare rates to make sure you are getting the best deal.
  • Theft deterrents lower insurance rates – Choosing to buy a car that has a built-in theft deterrent system can help lower your rates. Theft deterrent systems such as GM’s OnStar, tamper alarm systems and vehicle immobilizers all help stop vehicle theft.

Save money by taking advantage of discounts

Companies do not list all possible discounts very clearly, so below is a list a few of the more well known and also the more inconspicuous discounts that may be available.

  • Onboard Data Collection – Insureds that choose to allow driving data collection to monitor driving manner through the use of a telematics system such as Progressive’s Snapshot and State Farm’s In-Drive may see discounts if they are good drivers.
  • Switch and Save Discount – A few larger companies give discounts for switching policies before your current expiration date. It’s a savings of about 10%.
  • Defensive Driver – Successfully completing a course teaching safe driver skills is a good idea and can lower rates and also improve your driving technique.
  • Passenger Safety Discount – Vehicles with factory air bags or motorized seat belts can qualify for discounts of up to 25% or more.
  • E-sign Discounts – A few companies give back up to $50 shop insurance coverage over the internet.
  • Distant Student – College-age children who are attending college and don’t have a car could qualify for this discount.
  • Accident Free – Good drivers with no accidents can save substantially in comparison with policyholders that have many claims.
  • Professional Organizations – Joining a qualifying organization could qualify you for a break on your policy.
  • Senior Citizen Rates – Drivers that qualify as senior citizens may qualify for a discount up to 10% for Durango insurance.

As a disclaimer on discounts, many deductions do not apply to the entire policy premium. A few only apply to the price of certain insurance coverages like collision or personal injury protection. Even though it may seem like all those discounts means the company will pay you, it doesn’t quite work that way. Any qualifying discounts will definitely lower the amount you pay for coverage.

The best insurance companies and a selection of discounts are shown below.

  • Progressive has savings for homeowner, multi-vehicle, online signing, continuous coverage, and good student.
  • AAA policyholders can earn discounts including good student, multi-car, AAA membership discount, anti-theft, education and occupation, and pay-in-full.
  • Farmers Insurance offers discounts including teen driver, business and professional, early shopping, switch companies, and multi-car.
  • Geico discounts include defensive driver, five-year accident-free, good student, air bags, daytime running lights, military active duty, and anti-lock brakes.
  • Esurance includes discounts for anti-theft, good student, Pac-12 alumni, homeowner, online quote, and claim free.
  • SAFECO may have discounts that include drive less, safe driver, teen safety rewards, anti-lock brakes, homeowner, bundle discounts, and teen safe driver.
  • State Farm offers discounts for safe vehicle, passive restraint, driver’s education, defensive driving training, Drive Safe & Save, accident-free, and multiple autos.

Check with every insurance company what discounts are available to you. Some discounts listed above might not be offered in your area. To see a list of insurance companies that have a full spectrum of discounts, click here to view.

How much insurance coverage do I need?

When it comes to buying the right insurance coverage, there is no “best” method to buy coverage. Everyone’s situation is unique.

For instance, these questions may help you determine if you may require specific advice.

  • Do I have coverage if my license is suspended?
  • Do I have newly-aquired coverage?
  • Do I need special endorsements for business use of my vehicle?
  • Is business property covered if stolen from my car?
  • Am I covered if hit by an uninsured driver?
  • Is my trailer covered?
  • Is there coverage for injuries to my pets?
  • How does medical payments coverage work?

If it’s difficult to answer those questions but you know they apply to you, you might consider talking to a licensed agent. If you want to speak to an agent in your area, take a second and complete this form.

Auto insurance 101

Learning about specific coverages of a insurance policy helps when choosing the right coverages and proper limits and deductibles. Policy terminology can be ambiguous and coverage can change by endorsement.

Auto liability

This provides protection from damages or injuries you inflict on people or other property by causing an accident. It protects YOU against claims from other people. It does not cover damage to your own property or vehicle.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have values of 25/50/25 that means you have $25,000 in coverage for each person’s injuries, a limit of $50,000 in injury protection per accident, and a total limit of $25,000 for damage to vehicles and property.

Liability insurance covers things like repair costs for stationary objects, structural damage, repair bills for other people’s vehicles and loss of income. The amount of liability coverage you purchase is up to you, but buy as much as you can afford.

Comprehensive insurance

Comprehensive insurance coverage pays for damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive insurance covers things like damage from a tornado or hurricane, theft and hitting a bird. The maximum payout you’ll receive from a claim is the ACV or actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.

Coverage for collisions

This covers damage to your Durango resulting from colliding with a stationary object or other vehicle. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for things like crashing into a building, backing into a parked car and colliding with another moving vehicle. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are 8 years or older. It’s also possible to raise the deductible to bring the cost down.

Uninsured/Underinsured Motorist (UM/UIM)

This coverage protects you and your vehicle’s occupants when the “other guys” either are underinsured or have no liability coverage at all. Covered losses include injuries sustained by your vehicle’s occupants and also any damage incurred to your 2011 Dodge Durango.

Since a lot of drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. So UM/UIM coverage is a good idea.

Med pay and Personal Injury Protection (PIP)

Medical payments and Personal Injury Protection insurance reimburse you for immediate expenses such as doctor visits, X-ray expenses, dental work, surgery and prosthetic devices. They can be used in conjunction with a health insurance plan or if you are not covered by health insurance. It covers all vehicle occupants and also covers getting struck while a pedestrian. Personal injury protection coverage is not an option in every state and gives slightly broader coverage than med pay

Buy Smart and Save

As you prepare to switch companies, it’s very important that you do not buy poor coverage just to save money. In many instances, someone sacrificed physical damage coverage and found out when filing a claim that saving that couple of dollars actually costed them tens of thousands. Your strategy should be to purchase plenty of coverage for the lowest cost and still be able to protect your assets.

People who switch companies do it for a number of reasons such as high rates after DUI convictions, delays in paying claims, denial of a claim or even lack of trust in their agent. Regardless of your reason, choosing a new company can be easier than you think.

Some companies may not offer the ability to get quotes online small, regional companies only sell coverage through local independent agents. Budget-conscious 2011 Dodge Durango insurance can be sourced both online and also from your neighborhood agents, so you should compare both to have the best chance of lowering rates.

Additional insurance coverage information can be read at these links: