2013 Dodge Durango Car Insurance Rates

Overpriced Dodge Durango insurance can overdraw your bank account and force you to prioritize other expenses. Comparison shopping is free, only takes a few minutes, and is a good way to tighten up your finances. Because you have many companies and agents to choose from, it is hard for the average consumer to pick the right company.

You need to shop coverage around at least once a year since insurance rates are usually higher with each renewal. Just because you found the lowest rates for Durango coverage last year there is a good chance you can find better rates now. Forget all the misinformation about insurance because you’re about to find out one of the easiest ways to find the best coverage while lowering your premiums.

Buying affordable protection is easy if you know what you’re doing. If you have insurance now or are shopping for new coverage, you can learn to find better prices and still get good coverage. Drivers only need to know the most effective way to shop their coverage around over the internet.

Are you getting all your discounts?

The price of auto insurance can be rather high, but there are discounts available that can drop the cost substantially. Certain discounts will be triggered automatically when you quote, but lesser-known reductions have to be inquired about before they will apply. If you’re not getting every credit available, you’re paying more than you need to.

  • Good Student – This discount can earn a discount of 20% or more. The good student discount can last up to age 25.
  • Multiple Policy Discount – When you combine your home and auto insurance with one insurance company you may save at least 10% off all policies.
  • Homeowners Savings – Owning a home may earn you a small savings because of the fact that having a home requires personal responsibility.
  • Discount for New Cars – Insuring a new car can save up to 30% since new cars are generally safer.
  • Anti-theft System – Cars that have factory anti-theft systems help deter theft and therefore earn up to a 10% discount.
  • No Accidents – Claim-free drivers can earn big discounts compared to bad drivers.
  • Pay Now and Pay Less – If paying your policy premium upfront instead of paying each month you can actually save on your bill.
  • Drivers Ed for Students – Make teen driver coverage more affordable by requiring them to complete a driver education course in high school.
  • Low Mileage Discounts – Low mileage vehicles could be rewarded with lower rates on the low mileage vehicles.

It’s important to note that most discounts do not apply to your bottom line cost. Some only apply to individual premiums such as liability, collision or medical payments. Just because it seems like it’s possible to get free car insurance, companies don’t profit that way. But any discount will help reduce the cost of coverage.

A partial list of companies that possibly offer these money-saving discounts are:

It’s a good idea to ask every prospective company how you can save money. Savings might not be offered everywhere.

Elements that influence Dodge Durango insurance rates

An important part of buying insurance is that you know the factors that help determine the rates you pay for car insurance. When you know what positively or negatively determines base rates helps enable you to make changes that may reward you with better car insurance rates.

  • High deductibles save money – Your deductibles represent how much money you are willing to pay if you file a covered claim. Physical damage insurance, otherwise known as comp (or other than collision) and collision, covers damage that occurs to your car. Examples of covered claims could be colliding with a building, collision with an animal, and burglary. The more you’re willing to pay, the less your car insurance will be for Durango coverage.
  • Liability insurance protects assets – Liability insurance is the protection when you are found to be at fault for damages from an accident. Liability provides legal defense coverage which can cost thousands of dollars. Liability insurance is quite affordable compared to physical damage coverage, so do not skimp.
  • Your age impacts your rates – Teenage drivers are known to be less responsible when driving so car insurance rates are higher. Adding a teen driver to your car insurance policy can be very expensive. More mature drivers tend to be more responsible, statistically cause fewer accidents and get fewer tickets.
  • Safer cars are cheaper to insure – Cars with high safety ratings tend to have better insurance rates. These vehicles have better occupant injury protection and better occupant protection means less money paid by your insurance company and thus lower rates. If your Dodge Durango is rated at least an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website it is probably cheaper to insure.
  • No coverage gaps is important – Allowing your car insurance policy to lapse is a quick way to pay more for car insurance. Not only will rates go up, failure to provide proof of insurance might get you a revoked license or a big fine.You may have to file a SR-22 with your state motor vehicle department to get your license reinstated.
  • Your car’s features help determine rates – Owning a car with a theft deterrent system can get you a discount on your car insurance. Theft prevention features such as tamper alarm systems, vehicle immobilizer technology and General Motors OnStar can help prevent your car from being stolen.

Tailor your coverage to you

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 might help in determining if your situation could use an agent’s help.

  • Will filing a claim cost me more?
  • Why do I need rental car insurance?
  • Can my babysitter drive my car?
  • Do I have coverage when pulling a U-Haul trailer?
  • Can my teen drive my company car?
  • Am I covered by my spouse’s policy after a separation?
  • Is extra glass coverage worth it?
  • Who is covered by my policy?
  • Am I covered when using my vehicle for business?
  • Can I still get insurance after a DUI?

If it’s difficult to answer those questions, you might consider talking to a licensed agent. To find an agent in your area, complete this form or you can also visit this page to select a carrier It is quick, free and can provide invaluable advice.

Don’t be fooled by advertising claims

Consumers constantly see and hear ads for cheaper car insurance from companies such as State Farm, Allstate and GEICO. They all make the same claim that you can save if you move your policy.

How does each company claim to save you money?

All companies can use profiling for the right customer that makes them money. For example, a desirable insured might be over the age of 40, owns a home, and has a high credit rating. A customer who meets those qualifications receives the best rates and as a result will probably save when switching.

Potential insureds who don’t qualify for this ideal profile will have to pay a more expensive rate and this can result in the customer not buying. Company advertisements say “drivers who switch” not “everybody who quotes” save that kind of money. That’s why insurance companies can confidently make those claims.

Because of the profiling, it’s extremely important to compare as many rates as you can. It’s impossible to know the company that will provide you with the cheapest Dodge Durango insurance rates.

Insurance coverage basics

Having a good grasp of a insurance policy can be of help when determining which coverages you need and proper limits and deductibles. Insurance terms can be confusing and reading a policy is terribly boring. These are typical coverage types offered by insurance companies.

Collision coverage – Collision insurance covers damage to your Durango resulting from a collision with an object or car. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for claims like colliding with another moving vehicle, scraping a guard rail, driving through your garage door, sideswiping another vehicle and crashing into a ditch. Paying for collision coverage can be pricey, so you might think about dropping it from vehicles that are 8 years or older. Another option is to raise the deductible to get cheaper collision coverage.

Uninsured/Underinsured Motorist coverage – Your UM/UIM coverage gives you protection from other motorists when they do not carry enough liability coverage. This coverage pays for hospital bills for your injuries as well as damage to your Dodge Durango.

Due to the fact that many drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage should not be overlooked. Most of the time these coverages are set the same as your liablity limits.

Medical payments coverage and PIP – Coverage for medical payments and/or PIP reimburse you for bills such as funeral costs, surgery, rehabilitation expenses and hospital visits. They are often utilized in addition to your health insurance program 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 only offered in select states and gives slightly broader coverage than med pay

Comprehensive coverage – Comprehensive insurance covers damage from a wide range of events other than collision. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive coverage protects against claims like hitting a bird, fire damage and hitting a deer. The most 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.

Liability – This coverage can cover damage or injury you incur to a person or their property. This insurance protects YOU against other people’s claims, and doesn’t cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see values of 25/50/25 which stand for $25,000 in coverage for each person’s injuries, a per accident bodily injury limit of $50,000, and $25,000 of coverage for damaged propery. Another option is a combined limit that pays claims from the same limit and claims can be made without the split limit restrictions.

Liability coverage protects against claims like structural damage, attorney fees, funeral expenses and repair costs for stationary objects. How much coverage you buy is up to you, but consider buying as high a limit as you can afford.

Keep this in mind

We just presented some good ideas how to get a better price on 2013 Dodge Durango insurance. The most important thing to understand is the more rate quotes you have, the better your chances of lowering your rates. Consumers could even find that the biggest savings come from the least-expected company. Smaller companies may have significantly lower rates on certain market segments as compared to the big name companies such as State Farm or Progressive.

As you shop your coverage around, it’s not a good idea to skimp on critical coverages to save a buck or two. There have been many situations where an accident victim reduced physical damage coverage and learned later that it was a big mistake. Your aim should be to buy enough coverage at a price you can afford while not skimping on critical coverages.

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