How Much Does 2009 Dodge Durango Insurance Cost?

Feel like you’re a prisoner to an overpriced insurance coverage policy? Trust us when we tell you there are a lot of people just like you who feel imprisoned by their insurance coverage policy. Companies like Allstate and Progressive constantly bombard you with fancy advertisements and it can be hard to sift through the bull and find the best price available.

You need to take a look at other company’s rates yearly because insurance rates trend upward over time. Just because you had the best rates for Durango coverage a year ago other companies may now be cheaper. So just ignore everything you know about insurance coverage because we’re going to show you the fastest way to reduce your cost while increasing coverage.

Be sure to get all your discounts

Insuring your fleet can be pricey, but companies offer discounts to reduce the price significantly. Certain discounts will be triggered automatically when you quote, but some may not be applied and must be requested specifically prior to getting the savings. If you’re not getting every credit possible, you are throwing money away.

  • Resident Student – Kids in college who attend school more than 100 miles from home without a vehicle on campus can receive lower rates.
  • Anti-lock Brakes – Vehicles equipped with ABS or steering control are safer to drive and qualify for as much as a 10% discount.
  • Anti-theft System – Cars that have factory anti-theft systems prevent vehicle theft and will save you 10% or more.
  • Military Discounts – Having a family member in the military may qualify for rate reductions.
  • No Charge for an Accident – A few companies allow you one accident without raising rates so long as you haven’t had any claims prior to the accident.
  • Homeowners Discount – Owning a home may earn you a small savings because of the fact that having a home is proof that your finances are in order.
  • Multi-car Discount – Buying coverage for more than one vehicle on one policy could earn a price break for each car.
  • Accident Free – Drivers with accident-free driving histories can save substantially compared to accident-prone drivers.
  • Good Students Pay Less – Getting good grades can earn a discount of 20% or more. This discount can apply until age 25.

Consumers should know that some of the credits will not apply to all coverage premiums. Most only reduce the cost of specific coverages such as collision or personal injury protection. So despite the fact that it appears you can get free auto insurance, it doesn’t quite work that way. Any amount of discount will cut the cost of coverage.

Insurance companies that may have these money-saving discounts include:

Double check with all companies you are considering which discounts they offer. Discounts may not be available in every state.

Factors influencing Dodge Durango insurance rates

It’s important that you understand the factors that play a part in calculating the rates you pay for car insurance. When you know what positively or negatively controls the rates you pay enables informed choices that will entitle you to big savings.

Shown below are some of the items car insurance companies consider when setting prices.

  • Traffic violations increase rates – Only having one speeding ticket may increase your cost twenty percent or more. Drivers with clean records get better rates compared to drivers with tickets. Drivers with flagrant tickets such as hit and run, DWI or reckless driving convictions are required to file a proof of financial responsibility form (SR-22) with the DMV in their state in order to keep their license.
  • Claim-free discounts can add up – Insurance companies provide cheaper rates to people who are claim-free. If you file claims often, you can definitely plan on either a policy non-renewal or much higher rates. Your insurance policy is designed for the bigger claims that can’t be paid out-of-pocket.
  • Consolidate policies to earn discounts – Most insurers provide better rates to customers who have multiple policies with them, otherwise known as a multi-policy discount. Even with this discount, it’s still a good idea to compare rates to ensure the best deal.
  • Don’t sacrifice liability coverage – The liability section of your policy will protect you if ever you are found liable for damages caused by your negligence. It will provide for a legal defense which can be incredibly expensive. This coverage is very inexpensive compared to insuring for physical damage coverage, so buy as much as you can afford.
  • The more you drive the more you pay – The more you drive in a year the more you’ll pay to insure your vehicle. Most insurance companies rate vehicles based upon how you use the vehicle. Cars and trucks not used for work or commuting get more affordable rates as compared to vehicles used primarily for driving to work. Ask your agent if your car insurance policy is showing the correct driver usage. Incorrect usage on your Durango may be costing you.
  • Your car’s features help determine rates – Owning a car with a theft deterrent system can help bring down rates. Anti-theft devices like GM’s OnStar, tamper alarm systems and vehicle immobilizers can help prevent your vehicle from being stolen.
  • Older drivers pay less – More mature drivers tend to be more responsible, tend to cause fewer accidents and get fewer tickets. Teen drivers have a tendency to get distracted easily when driving therefore car insurance rates are much higher.
  • High crash test scores lower rates – Cars with high safety ratings tend to have better insurance rates. Safe vehicles have better occupant injury protection and fewer injuries means less money paid by your insurance company and lower rates for you. If your Dodge Durango is rated at least four stars on Safercar.gov it is probably cheaper to insure.

How do I know if I need professional advice?

When it comes to choosing coverage, there isn’t really a “best” method to buy coverage. Everyone’s situation is a little different so your insurance should reflect that For instance, these questions may help you determine whether you will benefit from professional help.

  • Am I covered when driving a rental car?
  • Do I have coverage when making deliveries for my home business?
  • Am I covered if hit by an uninsured driver?
  • Am I covered by my employer’s commercial auto policy when driving my personal car for business?
  • What is no-fault insurance?
  • What discounts do I qualify for?
  • What is the ISO rating for a 2009 Dodge Durango?
  • What can I do if my company denied a claim?

If it’s difficult to answer those questions but one or more may apply to you, you may need to chat with an insurance agent. If you want to speak to an agent in your area, take a second and complete this form or go to this page to view a list of companies. It is quick, free and can provide invaluable advice.

Beware of misleading insurance coverage ads

Consumers constantly see and hear ads that promise big savings from the likes of State Farm and Allstate. They all have a common claim that you’ll save big if you switch your coverage to them.

How do they all make almost identical claims? This is how they do it.

Different companies have a certain “appetite” for the type of customer they prefer to insure. For instance, a preferred risk could be over the age of 50, has no prior claims, and drives less than 7,500 miles a year. Any new insured who matches those parameters will qualify for the lowest rates and therefore will save when switching.

Potential insureds who don’t measure up to this ideal profile will be quoted a higher premium and this can result in the customer not buying. The ads state “customers that switch” not “everyone that quotes” save that much. That’s why companies can advertise the savings.

This emphasizes why drivers should compare many company’s rates. It’s not possible to predict which insurance companies will give you the biggest savings on Dodge Durango insurance.

Auto insurance coverages

Understanding the coverages of a insurance policy helps when choosing which coverages you need for your vehicles. The coverage terms in a policy can be difficult to understand and reading a policy is terribly boring. These are the normal coverages available from insurance companies.

Comprehensive protection – This will pay to fix damage OTHER than collision with another vehicle or object. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive can pay for things such as damage from getting keyed, vandalism, damage from a tornado or hurricane and hitting a bird. The highest amount a insurance company will pay at claim time is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Medical expense coverage – Coverage for medical payments and/or PIP provide coverage for expenses such as ambulance fees, rehabilitation expenses and nursing services. The coverages can be used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. It covers both the driver and occupants and also covers getting struck while a pedestrian. PIP is not an option in every state but can be used in place of medical payments coverage

Uninsured or underinsured coverage – This coverage gives you protection when other motorists are uninsured or don’t have enough coverage. This coverage pays for medical payments for you and your occupants and damage to your Dodge Durango.

Since many drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage should not be overlooked. Normally these coverages are similar to your liability insurance amounts.

Collision – Collision insurance pays for damage to your Durango from colliding with another car or object. You first must pay a deductible and then insurance will cover the remainder.

Collision coverage pays for claims such as scraping a guard rail, colliding with another moving vehicle, hitting a parking meter, backing into a parked car and rolling your car. Collision coverage makes up a good portion of your premium, so you might think about dropping it from older vehicles. Another option is to choose a higher deductible to get cheaper collision coverage.

Liability auto insurance – Liability coverage protects you from damage or injury you incur to people or other property that is your fault. It protects YOU from claims by other people, and does not provide coverage for damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. You commonly see policy limits of 100/300/100 that means you have a $100,000 limit per person for injuries, $300,000 for the entire accident, and a limit of $100,000 paid for damaged property. Some companies may use one limit called combined single limit (CSL) that pays claims from the same limit rather than limiting it on a per person basis.

Liability coverage protects against claims like court costs, pain and suffering, emergency aid, funeral expenses and attorney fees. How much liability coverage do you need? That is a decision to put some thought into, but consider buying higher limits if possible.

Be Smart and Buy Smart

Lower-priced 2009 Dodge Durango insurance can be sourced from both online companies in addition to many insurance agents, so you should compare both to have the best chance of lowering rates. Some insurance providers do not provide online quoting and these smaller companies work with independent agents.

Throughout this article, we presented many ideas to reduce insurance prices online. It’s most important to understand that the more you quote, the higher the chance of saving money. You may even find the lowest priced insurance coverage comes from the smaller companies. Some small companies often have lower prices on specific markets as compared to the big name companies such as Geico and State Farm.

Additional information can be found at these links: