2018 Dodge Durango Car Insurance Cost

Trying to find lower auto insurance rates for your Dodge Durango? Feeling guilty for buying overpriced auto insurance? Trust us, there are a lot of people just like you who feel imprisoned by their auto insurance policy.

There is such a variety of auto insurance companies to insure vehicles with, and even though it’s nice to be able to choose, it makes it harder to find the lowest cost provider.

Earn discounts on auto insurance

Companies offering auto insurance don’t always list the entire discount list in an easy-to-find place, so here is a list both the well known and also the lesser-known discounts that you can inquire about if you buy insurance coverage online.

  • Resident Student – who are enrolled in a college that is more than 100 miles from home and do not have a car may be able to be covered for less.
  • Driver’s Ed – Require your teen driver to enroll and complete driver’s education if it’s offered in school.
  • Mature Driver Discount – Drivers over the age of 55 could receive a slight reduction on a insurance coverage quote for Durango coverage.
  • Discount for Home Ownership – Being a homeowner can save a few bucks because owning a home is proof that your finances are in order.
  • Drive Safe and Save – Drivers who avoid accidents can pay as much as 50% less for Durango coverage than less cautious drivers.

It’s important to note that many deductions do not apply to the entire policy premium. The majority will only reduce specific coverage prices like comprehensive or collision. If you do the math and it seems like having all the discounts means you get insurance for free, you’re out of luck. But all discounts should definitely cut your policy cost.

A few popular companies and some of their more popular discounts are:

  • Progressive includes discounts for multi-policy, homeowner, online quote discount, continuous coverage, and online signing.
  • Farmers Insurance has savings for bundle discounts, pay in full, electronic funds transfer, youthful driver, switch companies, and early shopping.
  • Farm Bureau may have discounts that include multi-vehicle, youthful driver, good student, driver training, safe driver, and multi-policy.
  • State Farm policyholders can earn discounts including anti-theft, multiple policy, good student, multiple autos, and accident-free.
  • Geico offers discounts for multi-policy, military active duty, air bags, membership and employees, daytime running lights, and five-year accident-free.
  • SAFECO offers premium reductions for teen safety rewards, anti-theft, teen safe driver, multi-car, anti-lock brakes, bundle discounts, and homeowner.
  • Liberty Mutual may offer discounts for new move discount, preferred payment discount, exclusive group savings, multi-policy, newly retired, and good student.

If you need lower rates, check with each insurance company which discounts can lower your rates. Some of the earlier mentioned discounts might not be offered in your area. If you would like to see a list of auto insurance companies who offer discounts, follow this link.

How to compare free car insurance price quotes

Performing a rate comparison can take time and effort if you don’t understand the fastest way to get free quotes. You can waste hours talking about coverages with insurance companies in your area, or you could save time and use the internet to get rates in a matter of minutes.

Most car insurance companies belong to a marketplace that allows shoppers to submit their information once, and at least one company can give them a price for coverage. This saves time by eliminating quote forms to each individual car insurance company.

To find out how much you’re overpaying now click to open in new window.

The one disadvantage to using this type of form is you can’t choose which companies you want to price. So if you want to select specific providers to compare, we have a listing of low cost car insurance companies in your area. Click here to view list.

It’s up to you how you get prices quotes, just be sure you’re using nearly identical coverage limits and deductibles on every quote you get. If you use mixed coverages it will be impossible to determine the lowest rate for your Dodge Durango. Just a small difference in coverages can result in a big premium difference. Just remember that comparing more company’s prices will improve the odds of getting more affordable rates.

Components of your Dodge Durango insurance costs

Multiple criteria are considered when you quote your car insurance policy. Some are obvious like a motor vehicle report, but some are more obscure like where you live or your commute time.

  • Urban areas may pay more – Residing in a rural area can save you money when it comes to car insurance. City drivers have congested traffic and longer commutes to work. Less people living in that area means reduced accidents and a lower car theft rate.
  • Car plus home equals more savings – Some companies give a discount for people that buy multiple policies, otherwise known as a multi-policy discount. Even though this discount sounds good, consumers should still comparison shop to help ensure you have the lowest rates. You may still save money by buying insurance from more than one company.
  • Buy as much liability insurance as you can afford – Your policy’s liability coverage is the protection if you are ruled to be at fault for physical damage or personal injury to other. Liability insurance provides for a legal defense to defend your case. Liability insurance is pretty cheap compared to other policy coverages, so drivers should make sure they buy enough to cover all assets.
  • Being married brings a discount – Having a wife or husband actually saves money on car insurance. Having a spouse generally demonstrates drivers are more responsible and insurance companies like that married couples file fewer claims.
  • Reduce rates by driving safer cars – Vehicles that have high safety ratings cost less to insure. Vehicles engineered for safety reduce injuries and fewer injuries translates directly to fewer claims and thus lower rates. If your Dodge Durango has ratings of a minimum four stars on Safercar.gov or an “acceptable” rating on iihs.org it may be receiving lower rates.
  • Teenagers vs. older drivers – More experienced drivers are more responsible, tend to file fewer claims and receive fewer citations.Drivers with little experience are proven to be careless and easily distracted when at the wheel of a vehicle so car insurance rates are higher.
  • Is your vehicle theft-ready? – Driving a car that has a built-in theft deterrent system can earn a premium discount. Theft prevention features like vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems all aid in stopping auto theft.

Tailor your car insurance coverage to you

When it comes to choosing the best car insurance coverage, there really is no perfect coverage plan. Each situation is unique so this has to be addressed. Here are some questions about coverages that might help in determining if your insurance needs would benefit from an agent’s advice.

  • Can I rent a car in Mexico?
  • When can my company non-renew my policy?
  • What can I do if my company won’t pay a claim?
  • Will my rates increase for filing one claim?
  • What are the financial responsibility laws in my state?
  • Why do I need rental car insurance?

If it’s difficult to answer those questions but you know they apply to you, you might consider talking to an agent. To find lower rates from a local agent, complete this form or click here for a list of car insurance companies in your area.

Auto insurance coverages

Learning about specific coverages of auto insurance aids in choosing appropriate coverage at the best deductibles and correct limits. Auto insurance terms can be difficult to understand and even agents have difficulty translating policy wording. Below you’ll find the usual coverages found on most auto insurance policies.

Uninsured/Underinsured Motorist (UM/UIM)

This protects you and your vehicle’s occupants when the “other guys” either are underinsured or have no liability coverage at all. It can pay for hospital bills for your injuries and damage to your Dodge Durango.

Since a lot of drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage is very important.

Liability coverages

This provides protection from injuries or damage you cause to other people or property by causing an accident. This coverage protects you from legal claims by others, and does not provide coverage for your own vehicle damage or injuries.

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 liability limits of 100/300/100 that translate to a limit of $100,000 per injured person, $300,000 for the entire accident, and a limit of $100,000 paid for damaged property.

Liability insurance covers things like medical services, repair bills for other people’s vehicles and repair costs for stationary objects. How much liability should you purchase? That is your choice, but it’s cheap coverage so purchase higher limits if possible.

Collision insurance

This coverage pays to fix your vehicle from damage resulting from colliding with another car or object. A deductible applies then your collision coverage will kick in.

Collision coverage protects against things like colliding with a tree, backing into a parked car, damaging your car on a curb and driving through your garage door. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are 8 years or older. It’s also possible to increase the deductible to get cheaper collision coverage.

Comprehensive insurance

This coverage covers damage that is not covered by collision coverage. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers things like rock chips in glass, a tree branch falling on your vehicle and vandalism. The highest amount you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Med pay and Personal Injury Protection (PIP)

Personal Injury Protection (PIP) and medical payments coverage pay for immediate expenses such as dental work, rehabilitation expenses and pain medications. They are often used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. It covers you and your occupants and will also cover being hit by a car walking across the street. Personal Injury Protection is not universally available and gives slightly broader coverage than med pay

Be Smart and Buy Smart

When getting insurance coverage quotes online, it’s very important that you do not reduce needed coverages to save money. In too many instances, an accident victim reduced liability limits or collision coverage and discovered at claim time that their decision to reduce coverage ended up costing them more. Your strategy should be to purchase a proper amount of coverage at a price you can afford but still have enough coverage for asset protection.

Lower-priced insurance can be purchased online and with local insurance agents, and you need to comparison shop both so you have a total pricing picture. Some insurance companies may not offer online quoting and these small insurance companies work with independent insurance agents.

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