Cheaper 2017 Dodge Durango Insurance Rates

Having to pay for pricey Dodge Durango insurance can dry up your monthly budget and put the squeeze on your family’s finances. Comparing rates annually can save money and help to cut your insurance bill.

Since vehicle owners have many different company options, it can be challenging to find the most cost effective car insurance company.

It’s a great practice to do rate comparisons every six months because prices tend to go up over time. If you had the best rate for Durango insurance on your last policy there may be better deals available now. You’ll find quite a bit of inaccurate information about car insurance out there, but you can learn some good information on how to lower your car insurance rates.

Low cost car insurance quotes

There are several ways to compare car insurance quotes, but some are easier and takes less work. You could spend your day driving to insurance agencies in your area, or you can stay home and use the internet to get prices fast.

Many popular insurance companies are enrolled in a marketplace where prospective buyers enter their coverage request one time, and every company returns a rated price based on that information. This eliminates the need for repetitive form submissions for every car insurance company.

To compare pricing click here (opens in new window).

The only drawback to getting quotes like this is that you can’t choose which carriers you will receive quotes from. So if you want to select specific insurance companies to request quotes from, we put together a list of car insurance companies in your area. View list of insurance companies.

Take whichever approach you prefer, but make sure you compare apples-to-apples coverages and limits with each company. If you enter unequal deductibles or liability limits then you won’t be able to determine the best price for your Dodge Durango. Quoting even small variations in coverage limits could mean much higher rates. Just keep in mind that comparing more company’s prices gives you a better chance of getting the best price.

Learn how to lower your insurance costs

Multiple criteria are considered when you get your auto insurance bill. A few of the factors are predictable like your driving record, but other factors are more transparent such as your marital status and annual miles driven.

The itemized list below are just a few of the factors that factor into your prices.

  • Does your vocation raise your prices? – Careers like military generalsair traffic controllers and accountants have higher premium rates in part from intense work-related stress and lengthy work days. On the flip side, occupations such as farmers, historians and performers get better rates for Durango insurance.
  • Pay less with a high NHTSA crash test rating – Vehicles with good safety scores cost less to insure. Vehicles engineered for safety reduce the chance of injuries and any reduction in injury severity means your insurance company pays less which can mean better rates for you. If your Dodge Durango has 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 may be receiving lower rates.
  • Cheaper premiums for prior coverage – Having a gap between insurance policy dates is a sure-fire way to bump up your insurance coverage costs. In addition to paying higher rates, not being able to provide proof of insurance could earn you a revoked license or a big fine.
  • Gender matters – Over the last 30 years, statistics show that females take fewer risks when driving. It does not mean females are better drivers. Females and males are responsible for accidents at about the same rate, but men cause more damage and cost insurance companies more money. Men also statistically get higher numbers of serious violations such as DWI and reckless driving.
  • The more you drive the more you pay – The more you drive your Dodge each year the more it will cost to insure it. A lot of companies calculate prices based on their usage. Autos left parked in the garage receive lower rates than vehicles that are driven to work every day. An improperly rated Durango can cost quite a bit. It’s a good idea to make sure your insurance coverage declarations sheet states how each vehicle is driven, because it can save money.
  • Poor credit decisions can cost you – Having a bad credit score is likely to be a major factor in calculating your insurance coverage rates. Consumers who have very high credit ratings tend to be better drivers and file fewer claims than drivers with bad credit. So if your credit score is low, you could pay less to insure your 2017 Dodge Durango if you clean up your credit.

Don’t overlook these insurance discounts

Companies that sell car insurance don’t always advertise every policy discount in an easy-to-find place, so we took the time to find some of the more common as well as the least known savings tricks you should be using when you buy insurance coverage online.

  • Data Collection Discounts – Drivers who agree to allow driving data submission to track vehicle usage through the use of a telematics system such as In-Drive from State Farm or Allstate’s Drivewise system might see lower rates if they exhibit good driving behavior.
  • Drivers Ed for Students – It’s a good idea to have your young drivers enroll and complete driver’s education if offered at their school.
  • Multi-Vehicle Discounts – Insuring more than one vehicle with the same insurance company can reduce the rates for all insured vehicles.
  • Military Discounts – Being deployed in the military may lower your insurance rates slightly.
  • First Accident Forgiveness – Not necessarily a discount, but companies like Liberty Mutual and GEICO allow you one accident without the usual rate increase with the catch being you have to be claim-free for a set time period.

Policy discounts save money, but most discounts do not apply to your bottom line cost. Most cut the price of certain insurance coverages like physical damage coverage or medical payments. So when the math indicates you can get free auto insurance, companies don’t profit that way. Any qualifying discounts will help lower the cost of coverage.

Some companies who may offer some of the above discounts include:

If you need lower rates, check with each company which discounts you qualify for. Some credits might not be available to policyholders in your area. For a list of insurance companies who offer online insurance quotes, click here.

When to get professional advice

When buying adequate coverage, there really is not a “best” method to buy coverage. Coverage needs to be tailored to your specific needs so this has to be addressed. For instance, these questions may help highlight if your situation could use an agent’s help.

  • I have health insurance so do I need medical payments coverage?
  • If my pet gets injured in an accident are they covered?
  • I have a DUI can I still get coverage?
  • Is my state a no-fault state?
  • When does my teenage driver need to be added to my policy?
  • Does car insurance cover theft of personal property?
  • What should my uninsured motorist coverage limits be in my state?
  • Does my 2017 Dodge Durango qualify for pleasure use?

If you can’t answer these questions, you might consider talking to an agent. If you don’t have a local agent, take a second and complete this form or click here for a list of insurance companies in your area.

Coverages available on your policy

Understanding the coverages of a auto insurance policy can be of help when determining appropriate coverage and the correct deductibles and limits. Policy terminology can be confusing and reading a policy is terribly boring. Shown next are typical coverages found on most auto insurance policies.

Medical costs insurance – Medical payments and Personal Injury Protection insurance kick in for expenses such as funeral costs, surgery and dental work. The coverages can be used to cover expenses not covered by your health insurance plan or if you lack health insurance entirely. They cover all vehicle occupants as well as getting struck while a pedestrian. PIP is only offered in select states and gives slightly broader coverage than med pay

UM/UIM Coverage – Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when other motorists are uninsured or don’t have enough coverage. Covered losses include injuries sustained by your vehicle’s occupants and also any damage incurred to your Dodge Durango.

Since many drivers have only the minimum liability required by law, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family. Usually the UM/UIM limits are set the same as your liablity limits.

Collision coverages – This coverage pays to fix your vehicle from damage from colliding with a stationary object or other vehicle. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers claims like rolling your car, crashing into a building, crashing into a ditch, damaging your car on a curb and driving through your garage door. Paying for collision coverage can be pricey, so you might think about dropping it from lower value vehicles. It’s also possible to choose a higher deductible in order to get cheaper collision rates.

Comprehensive or Other Than Collision – Comprehensive insurance covers damage caused by mother nature, theft, vandalism and other events. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against things such as a broken windshield, falling objects, fire damage, damage from getting keyed and hitting a bird. The maximum payout you can receive from a comprehensive claim is the actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Liability insurance – Liability coverage provides protection from injuries or damage you cause to other’s property or people. This coverage protects you against claims from other people. It does not cover your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see policy limits of 50/100/50 that translate to a $50,000 limit per person for injuries, a limit of $100,000 in injury protection per accident, and a limit of $50,000 paid for damaged property. Alternatively, you may have a combined single limit or CSL which limits claims to one amount and claims can be made without the split limit restrictions.

Liability coverage pays for things like medical expenses, funeral expenses, legal defense fees and court costs. The amount of liability coverage you purchase is a decision to put some thought into, but it’s cheap coverage so purchase as high a limit as you can afford.

Coverage on a shoestring budget

As you prepare to switch companies, it’s very important that you do not buy lower coverage limits just to save a few bucks. There are too many instances where an accident victim reduced comprehensive coverage or liability limits and discovered at claim time that they should have had better coverage. Your objective should be to buy the best coverage you can find at a price you can afford and still be able to protect your assets.

We just presented many ways to lower your 2017 Dodge Durango insurance prices. The most important thing to understand is the more quotes you get, the better likelihood of getting affordable insurance coverage. Consumers could even find that the best prices are with a lesser-known regional company. They can often provide lower rates in certain areas compared to the large companies like Allstate, GEICO and Progressive.

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