2013 Dodge Durango Insurance Rates

Scraping up a payment for high-priced Dodge Durango insurance can overdraw your family’s budget, especially in this economy. There is such a variety of insurance companies to insure vehicles with, and even though it’s nice to have a choice, more options can take longer to compare rates and cut insurance costs.

Buying affordable car insurance coverage can be fairly easy. If you are insured now or need new coverage, you can follow these tips to shop for the lowest rates and still get good coverage. Vehicle owners just need to understand the proper way to shop their coverage around online.

Informed decisions result in lower insurance premiums

Lots of factors are part of the calculation when you get your auto insurance bill. Some factors are common sense such as your driving record, but other factors are not quite as obvious like your vehicle usage or your financial responsibility.Consumers need to have an understanding of some of the things that come into play when calculating insurance rates. When you know what positively or negatively determines base rates, this enables you to make decisions that can earn you better insurance rates.

The list below includes most of the major factors insurance companies consider when setting premiums.

  • Location can modify price – Living in areas with lower population has definite advantages if you are looking for the lowest rates. Fewer drivers and short commutes means reduced accidents and also fewer theft and vandalism claims. Drivers in populated areas regularly have more aggressive driving styles and longer commutes to work. More time commuting means more chances of being involved in an auto accident.
  • Combining policies can get discounts – Many insurance companies will give a discount to customers that have more than one policy, otherwise known as a multi-policy discount. Discounts can amount to 10 percent or more. Even if you’re getting this discount you may still want to get quotes from other companies to verify if the discount is saving money. You may still be able to find lower rates by buying insurance from a different company.
  • No insurance claims equals better rates – If you tend to file frequent claims, you can look forward to either a policy non-renewal or much higher rates. Auto insurance companies award the lowest premiums to insureds that do not abuse their auto insurance. Your insurance policy is meant to be used in the event of claims that you cannot pay yourself.
  • Save money by having excellent credit – Credit score is likely to be a major factor in determining premium rates. Drivers with high credit scores tend to file fewer claims as compared to drivers with poor credit scores. So if your credit score leaves room for improvement, you could be paying less to insure your 2013 Dodge Durango if you improve your credit rating.

The method we recommend to get rate comparisons utilizes the fact car insurance companies have advanced systems to give free rates quotes. To start a quote, the only thing you need to do is give them rating details including whether you have decent credit, how much school you completed, coverage limits, and the type of vehicles you drive. That information gets transmitted to insurance companies and you get price estimates immediately.

To start a rate quote now, click here and enter your coverage details.

Are you receiving every discount?

Car insurance is neither fun to buy or cheap, but you might already qualify for some discounts that could drop your premiums quite a bit. Many of these discounts will be applied automatically when you quote, but some must be asked for in order for you to get them. If you’re not getting every credit you qualify for, you are paying more than you should be.

  • Driver Safety – Completing a defensive driving course could save 5% or more and also improve your driving technique.
  • Discount for Swiching Early – Some insurance companies provide a discount for switching policies prior to your current policy expiration. This discount can save up to 10%.
  • Student Driver Training – It’s a good idea to have your young drivers enroll in driver’s education as it will make them better drivers and lower rates.
  • E-sign – A few larger online companies will discount your bill up to fifty bucks simply for signing over the internet.
  • Mature Driver Discount – If you’re over the age of 55, you can possibly qualify for a discount up to 10% on Durango insurance.
  • Good Student – Excelling in school can be rewarded with saving of up to 25%. Most companies allow this discount up until you turn 25.
  • Passive Restraints – Vehicles with factory air bags or motorized seat belts may earn rate discounts of 20% or more.
  • First Accident Forgiveness – This isn’t a discount exactly, but companies like Liberty Mutual and Geico will forgive one accident without getting socked with a rate hike as long as you don’t have any claims before the accident.
  • Discount for New Cars – Insuring a new car is cheaper because new model year vehicles are generally safer.
  • Active Military Service – Having an actively deployed family member could qualify you for better premium rates.

Drivers should understand that most of the big mark downs will not be given to the entire policy premium. The majority will only reduce specific coverage prices like liability, collision or medical payments. Despite the appearance that you would end up receiving a 100% discount, nobody gets a free ride. But any discount will positively reduce your premiums.

A list of companies and some of the discounts are included below.

  • Farm Bureau includes discounts for driver training, good student, youthful driver, multi-policy, renewal discount, multi-vehicle, and 55 and retired.
  • Liberty Mutual discounts include new vehicle discount, exclusive group savings, multi-policy, new move discount, hybrid vehicle, new graduate, and good student.
  • State Farm has savings for safe vehicle, driver’s education, good driver, anti-theft, student away at school, Drive Safe & Save, and multiple policy.
  • Auto-Owners Insurance may include discounts for multiple vehicles, safe driver, safe vehicle, good student, and student away at school.
  • Geico may have discounts that include anti-theft, membership and employees, seat belt use, driver training, and military active duty.
  • SAFECO policyholders can earn discounts including bundle discounts, safe driver, accident prevention training, homeowner, and teen safe driver.

Before you buy a policy, ask each company or agent how many discounts you can get. Some credits might not be offered in your area. To view car insurance companies that offer the discounts shown above, click this link.

When in doubt talk to an agent

When it comes to choosing proper insurance coverage, there is no best way to insure your cars. Your needs are not the same as everyone else’s and your policy should reflect that. For instance, these questions can help discover whether you might need professional guidance.

  • Will I lose any money if I cancel my policy before it expires?
  • What companies insure drivers after a DUI or DWI?
  • Should I buy more coverage than the required minimum liability coverage?
  • Am I covered if I wreck a rental car?
  • How high should my medical payments coverage be?
  • Are my friends covered when driving my 2013 Dodge Durango?
  • Does my insurance cover my expensive audio equipment?
  • How many claims can I have before being cancelled?
  • Is a new car covered when I drive it off the dealer lot?

If you’re not sure about those questions but a few of them apply then you might want to talk to an agent. To find an agent in your area, simply complete this short form or click here for a list of insurance coverage companies in your area. It’s fast, doesn’t cost anything and can provide invaluable advice.

Car insurance specifics

Having a good grasp of your policy can help you determine appropriate coverage for your vehicles. Policy terminology can be difficult to understand and nobody wants to actually read their policy. These are typical coverages offered by car insurance companies.

Comprehensive coverage – Comprehensive insurance coverage will pay to fix damage from a wide range of events other than collision. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for things like damage from flooding, a tree branch falling on your vehicle, hitting a deer, hail damage and fire damage. The highest amount you’ll receive from a claim is the cash value of the vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.

Coverage for liability – This coverage provides protection from injuries or damage you cause to people or other property by causing an accident. This insurance protects YOU from claims by other people. It does not cover damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show limits of 50/100/50 which means a limit of $50,000 per injured person, a total of $100,000 of bodily injury coverage per accident, and property damage coverage for $50,000. Another option is one number which is a combined single limit which provides one coverage limit rather than limiting it on a per person basis.

Liability can pay for claims like court costs, repair costs for stationary objects and structural damage. How much liability should you purchase? That is a personal decision, but consider buying as large an amount as possible.

Collision coverages – This coverage covers damage to your Durango resulting from colliding with another vehicle or an object, but not an animal. You have to pay a deductible and then insurance will cover the remainder.

Collision coverage protects against claims like driving through your garage door, colliding with a tree, backing into a parked car and crashing into a building. Collision is rather expensive coverage, so consider dropping it from lower value vehicles. It’s also possible to increase the deductible to bring the cost down.

Uninsured/Underinsured Motorist coverage – Your UM/UIM coverage provides protection when the “other guys” do not carry enough liability coverage. Covered claims include hospital bills for your injuries as well as damage to your Dodge Durango.

Because many people only carry the minimum required liability limits, their limits can quickly be used up. This is the reason having UM/UIM coverage is a good idea. Normally the UM/UIM limits are set the same as your liablity limits.

Medical payments coverage and PIP – Medical payments and Personal Injury Protection insurance provide coverage for short-term medical expenses for things like funeral costs, prosthetic devices and surgery. They are used in conjunction with a health insurance plan or if you are not covered by health insurance. Medical payments and PIP cover not only the driver but also the vehicle occupants and also covers any family member struck as a pedestrian. PIP coverage is not available in all states but can be used in place of medical payments coverage

Stretch your dollar

We just covered a lot of ways to reduce 2013 Dodge Durango insurance prices online. It’s most important to understand that the more quotes you get, the better your comparison will be. You may be surprised to find that the lowest prices come from the least-expected company. They may cover specific market segments cheaper as compared to the big name companies such as State Farm, Geico and Nationwide.

When searching for low cost car insurance quotes, never buy less coverage just to save a little money. In many instances, consumers will sacrifice liability limits or collision coverage only to regret they didn’t have enough coverage. Your aim should be to buy enough coverage at the best cost, but do not skimp to save money.

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