Dodge Durango Insurance Rates

Drivers have lots of options when trying to insure your Dodge vehicle. You can get prices from a local agent or shop online to compare pricing from companies. Comparing auto insurance by quoting online is easy, plus you might just save a little.

Beginners to buying insurance may think buying cheap Durango insurance is hard. Finding a lower price on Durango insurance is a fairly straight forward process. You just have to take a little time to get quotes from different insurance companies. This can be done by visiting this page.

Rates are determined by these factors

Auto insurance rates for a Dodge Durango will vary greatly based upon several criteria. Including but not limited to:

The performance level of your Durango
Your accident history
Home and auto can earn discounts
Use of your vehicle
Add-on coverages such as rental reimbursement
Claims drive up premiums
Having current coverage saves
Home ownership saves money

A final factor that can impact Durango insurance rates is the model year. A newer vehicle have a higher value in comparison to later models so repair costs are higher which will push premiums up. On the flip side, newer models may have a trim level with safety features like traction control, active head restraints, a backup camera, and an advanced theft deterrent system so those may provide discounts that lower premiums.

For you to have a better understanding of how much rates will be for your vehicle, select the year of your Durango from the list below.

Liability coverages

Liability insurance protects you from damage or injury you incur to other people or property. Liability insurance covers claims like pain and suffering, repair costs for stationary objects, and legal defense fees. Liability insurance is relatively cheap so consider buying as much as you can afford.

Collision coverage

This coverage pays for damage to your Dodge caused by collision with a stationary object or other vehicle. You have to pay a deductible and then insurance will cover the remainder. Durango collision insurance is rather expensive coverage, so consider dropping it from vehicles that are older. Another option is to bump up the deductible to get cheaper Durango insurance rates.

Comprehensive coverages

Comprehensive insurance 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 your Dodge Durango comprehensive insurance. The maximum amount your auto insurance company will pay is the actual cash value, so if the vehicle is not worth much consider dropping full coverage.

Uninsured Motorist or Underinsured Motorist insurance

Uninsured or Underinsured Motorist coverage gives you protection when other motorists do not carry enough liability coverage. Because many people only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. That's why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Coverage for medical payments

Med pay and PIP coverage provide coverage for immediate expenses (i.e. EMT expenses, pain medications, and nursing services). The coverages can be used to fill the gap from your health insurance plan or if you lack health insurance entirely. PIP is not available in all states but can be used in place of medical payments coverage.

How Much are Dodge Durango Insurance Rates?