2018 Dodge Durango Insurance Cost

Trying to find lower auto insurance rates for your Dodge Durango? Think you have overpriced auto insurance? Don’t sweat it because you’re not alone. Big companies like Progressive, State Farm and Geico constantly bombard you with ads and it is difficult to ignore the flying pigs and cute green geckos and do the work needed to find the best deal.

You should make it a habit to get comparison quotes on a regular basis because prices are usually higher with each renewal. If you had the best price on Durango insurance six months ago a different company probably has better rate quotes today. Forget all the misinformation about auto insurance because I’m going to teach you one of the quickest ways to find better rates and still maintain coverage.

Which insurance is cheapest?

Comparing insurance rates can be a lot of work if you don’t understand the fastest way to get free quotes. You can waste hours talking about coverages with local insurance agents in your area, or you can stay home and use online quotes to get pricing more quickly.

Many companies participate in a marketplace where insurance shoppers enter their policy data once, and at least one company can provide price quotes determined by their information. This eliminates the need for quote forms for each company. To compare pricing click here to start a free quote.

The one disadvantage to using this type of system is you don’t know exactly the companies to receive prices from. If you would rather choose specific insurance companies to request quotes from, we have a listing of the cheapest insurance companies in your area. View list of insurance companies.

The method you choose is up to you, but do your best to enter nearly identical coverage limits with each company. If you are comparing different deductibles it’s not possible to truly determine the lowest rate.

Car insurance buyers beware

Consumers get pounded daily by advertisements for cheaper car insurance from the likes of Geico, State Farm and Progressive. All the companies tend to make the same promise that drivers will save a bundle if you move your car insurance policy to them.

Is it even possible that every company can charge you a lower premium?

Different companies have an ideal profile for the type of customer that makes them money. One example of a driver they prefer could be over age 30, has no prior claims, and has great credit. A propective insured that hits that “sweet spot” will qualify for the lowest rates as well as save if they switch.

Drivers who don’t meet those standards may be required to pay more expensive rates and ends up with business going elsewhere. If you listen closely, the ads state “customers who switch” but not “all drivers who get quotes” save that much money. That’s the way companies can truthfully make claims that they all have the best auto insurance rates.

This emphasizes why you should do a price quote comparison at every renewal. It’s just not possible to know the company that will have better rates than you’re paying now.

Use discounts on insurance coverage

Insuring your fleet can be pricey, but discounts can save money and there are some available that could drop your premiums quite a bit. Certain reductions will be credited at the time you complete a quote, but some need to be specifically requested before being credited.

  • No Accidents – Drivers who don’t have accidents pay much less as opposed to policyholders that have many claims.
  • Discounts for Safe Drivers – Drivers who don’t get into accidents can get discounts for up to 45% lower rates on Durango insurance compared to accident prone drivers.
  • Resident Student – Children who are attending college and don’t have a car may be able to be covered for less.
  • Low Miles Discount – Low mileage vehicles may allow you to get cheaper rates.
  • Safety Course Discount – Completing a class that teaches driver safety techniques could possibly earn you a 5% discount and also improve your driving technique.

As a disclaimer on discounts, some of the credits will not apply to all coverage premiums. A few only apply to specific coverage prices like comprehensive or collision. Despite the fact that it seems like having all the discounts means you get insurance for free, you aren’t that lucky.

Large insurance coverage companies and some of their more popular discounts are included below.

  • State Farm has savings for Steer Clear safe driver discount, accident-free, defensive driving training, multiple autos, student away at school, passive restraint, and multiple policy.
  • Geico offers premium reductions for anti-theft, multi-vehicle, driver training, membership and employees, and federal employee.
  • Liberty Mutual includes discounts for good student, teen driver discount, newly retired, multi-car, newly married, exclusive group savings, and new move discount.
  • The Hartford may offer discounts for defensive driver, driver training, anti-theft, good student, vehicle fuel type, and air bag.
  • MetLife policyholders can earn discounts including claim-free, defensive driver, multi-policy, good student, and accident-free.
  • Progressive offers discounts including multi-policy, online quote discount, continuous coverage, homeowner, online signing, and multi-vehicle.

Before you buy a policy, ask each insurance company which discounts they offer. Some of the earlier mentioned discounts may not apply everywhere.

Tailor your insurance coverage coverage to you

When it comes to choosing proper insurance coverage, there is no cookie cutter policy. Everyone’s situation is a little different so your insurance needs to address that. Here are some questions about coverages that may help highlight if your situation will benefit from professional help.

  • Does my personal policy cover me when driving out-of-state?
  • Does insurance cover tools stolen from my truck?
  • Does my insurance cover my expensive audio equipment?
  • Am I getting all the discounts available?
  • Should I drop comprehensive coverage on older vehicles?
  • Why am I required to buy high-risk coverage?
  • Should I bundle my homeowners policy with my auto?
  • Can my teen drive my company car?

If it’s difficult to answer those questions but you think they might apply to your situation then you might want to talk to an insurance agent. If you don’t have a local agent, take a second and complete this form or go to this page to view a list of companies. It only takes a few minutes and can provide invaluable advice.

Insurance specifics

Understanding the coverages of a insurance policy aids in choosing the right coverages at the best deductibles and correct limits. The coverage terms in a policy can be ambiguous and nobody wants to actually read their policy. These are typical coverages found on the average insurance policy.

Medical expense coverage

Med pay and PIP coverage provide coverage for expenses like nursing services, surgery, prosthetic devices, EMT expenses and doctor visits. The coverages can be used in conjunction with a health insurance program or if there is no health insurance coverage. They cover both the driver and occupants and also covers if you are hit as a while walking down the street. Personal injury protection coverage is not an option in every state and may carry a deductible

Coverage for collisions

This coverage pays to fix your vehicle from damage caused by collision with an object or car. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers claims like hitting a mailbox, scraping a guard rail, colliding with a tree, rolling your car and sideswiping another vehicle. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are older. Drivers also have the option to raise the deductible to get cheaper collision coverage.

Uninsured or underinsured coverage

This protects you and your vehicle’s occupants when other motorists do not carry enough liability coverage. Covered claims include injuries to you and your family 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, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is very important. Usually your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.

Comprehensive protection

Comprehensive insurance covers damage OTHER than collision with another vehicle or object. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for things like fire damage, a broken windshield, falling objects, vandalism and damage from flooding. The most a insurance company will pay at claim time is the market value of your vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.

Liability auto insurance

Liability insurance can cover damages or injuries you inflict on other people or property in an accident. It protects YOU from legal claims by others, and doesn’t cover your injuries or vehicle damage.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see liability limits of 25/50/25 that means you have a limit of $25,000 per injured person, $50,000 for the entire accident, and a limit of $25,000 paid for damaged property. 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 pays for claims such as legal defense fees, medical expenses, structural damage, pain and suffering and loss of income. How much coverage you buy is a personal decision, but it’s cheap coverage so purchase as large an amount as possible.

At the end of the day…

In this article, we covered a lot of ways to compare 2018 Dodge Durango insurance prices online. The key concept to understand is the more companies you get rates for, the higher the chance of saving money. You may even discover the lowest priced insurance comes from a company that doesn’t do a lot of advertising. These companies can often provide lower rates in certain areas than their larger competitors like Progressive and Geico.

Cost effective 2018 Dodge Durango insurance is possible both online in addition to many insurance agents, so you should be comparing quotes from both to have the best selection. Some companies may not offer the ability to get a quote online and many times these small insurance companies work with independent insurance agents.

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