How Much Does 2016 Dodge Durango Car Insurance Cost?

Searching for lower auto insurance rates for your Dodge Durango? Locating low-cost insurance for a Dodge Durango can turn out to be a painful process, but you can use a few tricks and make it easy. There is a better way to shop for auto insurance so you’re going to learn the best way to compare rates for a new or used Dodge and obtain the best price possible from local insurance agents and online providers.

Smart consumers take time to compare prices at least once a year because rates change regularly. Just because you found the best deal on Durango insurance two years ago you can probably find a lower rate today. There is a lot of bad advice regarding auto insurance out there, but we’re going to give you a bunch of ideas how to reduce your auto insurance bill.

If you have a current insurance policy or need new coverage, you can use these tips to reduce the price you pay and still get good coverage. Shopping for the best coverage is not that difficult. Drivers just need to learn the best way to get comparison quotes online.

Which insurance coverage is cheapest?

Shopping for lower insurance coverage rates is a ton of work if you don’t utilize the most efficient way to do it. You could spend the better part of a day talking to agents in your area, or you can utilize the web to get the quickest rates.

Many of the larger companies participate in an industry program where prospective buyers enter their coverage request one time, and at least one company can give them a price determined by their information. This system prevents you from having to do quote requests for each company you want a rate for.

To get comparison pricing now click here (opens in new window).

The only drawback to getting quotes like this is you are unable to specify which insurance companies you will receive quotes from. So if you want to choose specific providers to compare rates, we have a page of companies who write insurance coverage in your area. Click here for list of insurance companies.

Which method you use is up to you, but be sure to compare nearly identical coverage limits on every price quote you get. If you are comparing different values for each quote you can’t possibly determine the lowest rate for your Dodge Durango.

Discount insurance coverage rates

Companies that sell car insurance do not advertise all available discounts in an easy-to-find place, so the following is a list of some of the best known and also the more inconspicuous credits that may apply to you.

  • Discounts for Seat Belt Usage – Buckling up and requiring all passengers to buckle their seat belts can save 10% or more on the premium charged for medical payments and/or PIP.
  • Anti-theft System – Vehicles with anti-theft systems have a lower chance of being stolen and will qualify for a discount on a insurance coverage quote.
  • College Student Discount – College-age children who are enrolled in a college that is more than 100 miles from home and leave their car at home can be insured at a reduced rate.
  • Passive Restraints and Air Bags – Factory air bags or automatic seat belts may earn rate discounts of more than 20%.
  • Safety Course Discount – Taking part in a course in defensive driving could cut 5% off your bill depending on where you live.

While discounts sound great, it’s important to understand that many deductions do not apply to the entire policy premium. Most only reduce the cost of specific coverages such as liability and collision coverage. If you do the math and it seems like you can get free auto insurance, company stockholders wouldn’t be very happy.

A few of the larger companies and a summarized list of policyholder discounts can be read below.

  • State Farm includes discounts for anti-theft, passive restraint, accident-free, defensive driving training, Drive Safe & Save, and good driver.
  • Geico policyholders can earn discounts including defensive driver, seat belt use, driver training, multi-vehicle, emergency military deployment, good student, and military active duty.
  • Liberty Mutual has savings for hybrid vehicle, new move discount, exclusive group savings, good student, and safety features.
  • The Hartford may include discounts for anti-theft, defensive driver, vehicle fuel type, bundle, good student, air bag, and driver training.
  • MetLife offers premium reductions for accident-free, defensive driver, claim-free, good driver, multi-policy, good student
  • Progressive may offer discounts for homeowner, multi-vehicle, good student, online signing, multi-policy, and online quote discount.

When getting a coverage quote, ask every insurance company which discounts can lower your rates. Savings might not be available to policyholders in your area. To find insurance companies with significant discounts, click this link.

Dodge Durango insurance costs can be reduced

Many different elements are used when you get a price on insurance. Some factors are common sense like your driving record, but other factors are less apparent such as your marital status or your financial responsibility.

Listed below are just a few of the factors utilized by car insurance companies to help set prices.

  • Lower stress equals lower car insurance rates – Did you know your job can affect your rates? Occupations like lawyers, architects and financial analysts generally have higher premiums than the average policyholder attributed to intense work-related stress and long work hours. Conversely, jobs like professors, students and homemakers pay lower than average rates on Durango insurance.
  • Premiums impacted by your city – Being located in small towns and rural areas can be a good thing when it comes to car insurance. People in densly populated areas have to deal with more traffic problems and more severe claims. Less people means less chance of accidents in addition to fewer liability claims.
  • The higher your credit rating the lower your premiums – Credit score is likely to be a major factor in calculating your car insurance rates. Therefore, if your credit score is lower than you’d like, you may save money insuring your 2016 Dodge Durango if you improve your credit rating. Consumers who have very high credit ratings tend to be better risks to insure than those with poor credit.
  • Tickets cost more than a fine – Good drivers get better prices as compared to those with violations. Even a single speeding ticket can increase the cost of insurance twenty percent or more. Drivers who have gotten serious violations like DUI or reckless driving may face state-mandated requirements to maintain a SR-22 with their state DMV in order to prevent their license from being revoked.
  • When should you not file a insurance claims? – Insurance companies give lower rates to people who do not rely on their insurance for small claims. If you’re an insured who likes to file claims you can expect either a policy non-renewal or much higher rates. Auto insurance is intended for more catestrophic claims.
  • Liability coverage – Your car insurance policy’s liability coverage is the coverage that protects you if a court rules you are at fault for an accident. This coverage provides legal defense starting from day one. It is affordable coverage compared to comp and collision, so drivers should carry high limits.
  • Gender is a factor – Statistics demonstrate women tend to be less risk to insure than men. This data doesn’t prove that males are worse at driving than females. Both genders are responsible for accidents in similar percentages, but the men cause more damage. They also receive more major tickets such as DWI and reckless driving. Males from age 16 to 21 cause the most accidents and therefore pay the highest rates.
  • Never go without car insurance – Driving your car without having proper coverage is a big no-no and you may have a hard time finding new coverage because you let your coverage lapse. Not only will you pay higher rates, getting caught without coverage will get you a fine, jail time, or a revoked license. You may have to provide proof of insurance in the form of an SR-22 filing with your state motor vehicle department to get your license reinstated.

Tailor your insurance coverage coverage to you

When it comes to choosing the right insurance coverage for your vehicles, there really is not a best way to insure your cars. Every situation is different.

These are some specific questions can help discover whether or not you might need professional guidance.

  • Is my cargo covered for damage or theft?
  • Do I need motorclub coverage?
  • Should I buy only the required minimum liability coverage?
  • Are split liability limits better than a combined single limit?
  • Is my babysitter covered when using my vehicle?
  • How does medical payments coverage work?
  • What is high-risk coverage and where do I buy it?
  • How much liability do I need to cover my assets?

If you’re not sure about those questions but one or more may apply to you, then you may want to think about talking to a licensed agent. If you want to speak to an agent in your area, fill out this quick form. It only takes a few minutes and can provide invaluable advice.

Well known brands might not be cheapest

Drivers can’t avoid all the ads that promise big savings from the likes of State Farm, Geico and Progressive. They all seem to advertise the message that people will save after switching to their company.

How is it possible that every company can offer you a better deal? This is how they do it.

Most companies offer their best rates for the type of driver that will add to their bottom line. An example of a profitable customer might be described as a female over age 40, has no claims, and has a short commute. Any person who matches that profile will get very good premium rates and will also save if they switch.

Insureds who are not a match for those standards may be forced to pay higher premiums which usually ends up with the prospect going elsewhere. The ads say “drivers that switch” not “everyone that quotes” save that much when switching. That is how companies can advertise the savings. Because every company is different, you really need to get price quotes at each policy renewal. It is impossible to guess with any certainty which company will fit your personal profile best.

Insurance coverages explained

Having a good grasp of your policy can be of help when determining the best coverages and the correct deductibles and limits. Policy terminology can be difficult to understand and nobody wants to actually read their policy.

Liability coverage – Liability coverage can cover damage that occurs to people or other property by causing an accident. It protects YOU against claims from other people. Liability doesn’t cover your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. Your policy might show limits of 100/300/100 which means a limit of $100,000 per injured person, a limit of $300,000 in injury protection per accident, and a total limit of $100,000 for damage to vehicles and property.

Liability coverage protects against claims such as bail bonds, court costs and emergency aid. How much coverage you buy is a decision to put some thought into, but buy higher limits if possible.

Collision – This coverage pays for damage to your Durango from colliding with a stationary object or other vehicle. You first must pay a deductible then your collision coverage will kick in.

Collision coverage protects against claims such as damaging your car on a curb, driving through your garage door and scraping a guard rail. Collision is rather expensive coverage, so consider dropping it from lower value vehicles. It’s also possible to raise the deductible to get cheaper collision coverage.

Med pay and Personal Injury Protection (PIP) – Personal Injury Protection (PIP) and medical payments coverage provide coverage for short-term medical expenses for things like ambulance fees, rehabilitation expenses and surgery. They can be used to fill the gap from your health insurance plan or if you do not have health coverage. Medical payments and PIP cover you and your occupants and will also cover being hit by a car walking across the street. Personal injury protection coverage is not universally available but can be used in place of medical payments coverage

Uninsured/Underinsured Motorist (UM/UIM) – Your UM/UIM coverage provides protection from other motorists when they either have no liability insurance or not enough. This coverage pays for hospital bills for your injuries as well as your vehicle’s damage.

Since a lot of drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage should not be overlooked.

Comprehensive insurance – This pays for damage from a wide range of events other than collision. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive coverage protects against things like hitting a deer, a tree branch falling on your vehicle, damage from flooding and damage from getting keyed. The maximum payout a insurance company will pay at claim time is the actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.

Make a quick buck

In this article, we covered a lot of ways to get a better price on 2016 Dodge Durango insurance. The most important thing to understand is the more quotes you get, the more likely it is that you will get a better rate. You may even find the lowest premium rates come from a small local company.

When trying to cut insurance costs, it’s a bad idea to skimp on critical coverages to save a buck or two. There have been many situations where an accident victim reduced comprehensive coverage or liability limits only to discover later that saving that couple of dollars actually costed them tens of thousands. The aim is to buy enough coverage for the lowest price, not the least amount of coverage.

Some companies do not provide rates over the internet regional insurance providers sell through independent insurance agents. Cost effective 2016 Dodge Durango insurance can be purchased on the web and from local insurance agents, and you need to comparison shop both to have the best selection.

Additional information can be read at the links below