How Much Does 1998 Dodge Durango Insurance Cost?

Looking for the cheapest insurance coverage rates for your Dodge Durango? Are you at wits end from robbing Peter to pay Paul to pay insurance coverage each month? Your situation is no different than most other people.

Big-name insurance companies like State Farm, GEICO and Farmers Insurance promote their brand names with fancy advertisements and it is difficult to see through the deception and find the best price available.

If you have car insurance now, you will be able to save some money using this strategy. Buying car insurance is quite easy. But drivers benefit from understanding how big insurance companies market insurance on the web and apply this information to your search.

Compare auto insurance rates

Shopping for lower auto insurance rates can be a daunting task if you don’t know the fastest way to get free quotes. You can spend your afternoon discussing policy coverages with agents in your area, or you can stay home and use the web to get the quickest rates.

Most major companies enroll in a system that allows shoppers to only type in their quote data once, and each participating company returns a competitive quote determined by their information. This eliminates the need for quote requests to each company.

To participate in this free quote system, click to open in new window.

The single downside to using this type of system is you don’t know exactly the providers to get pricing from. So if you prefer to choose individual companies to compare prices, we have a listing of the cheapest auto insurance companies in your area. Click here to view list.

The method you choose is up to you, but make sure you compare nearly identical information with every price quote. If each company quotes higher or lower deductibles you can’t possibly decipher which rate is best. Slightly different limits could throw off the whole comparison. And when price shopping your coverage, comparing more quotes will enable you to find more affordable insurance.

Components of your Dodge Durango insurance costs

Lots of things are part of the calculation when premium rates are determined. A few of the factors are predictable such as traffic violations, but other factors are not quite as obvious like your vehicle usage or how safe your car is.Part of the insurance coverage buying process is learning the factors that go into determining your premiums. If you understand what positively or negatively impacts your premiums, this enables you to make decisions that can earn you lower insurance coverage prices.

Shown below are a partial list of the pieces insurance coverage companies consider when setting your prices.

  • Your address can push rates up or down – Residing in less populated areas can save you money when buying insurance coverage. Drivers in populated areas have more auto accidents and higher rates of accident claims. Fewer people means less chance of accidents.
  • Consolidate policies and save money – Most insurers give lower prices to people that buy multiple policies, otherwise known as a multi-policy discount. Even if you already get this discount, it’s always a smart idea to shop around to guarantee you are still saving the most.There is a good possibility that you can save more without the discount by buying from different companies
  • Poor credit history equals high prices – A driver’s credit score factor in determining what you pay for insurance coverage. If your credit rating is lower than you’d like, you may save money insuring your 1998 Dodge Durango by spending a little time repairing your credit. People that have excellent credit tend to be more responsible as compared to drivers with lower credit ratings.
  • Younger drivers pay high prices – More mature drivers tend to be more responsible, cause fewer claims and accidents and receive fewer citations.Teenage drivers are known to be easily distracted when driving therefore insurance coverage rates are much higher.
  • File policy claims and pay more – Car insurance companies generally give the best rates to people that do not abuse their auto insurance. If you file a lot of claims you can expect higher premiums or even policy non-renewal. Insurance coverage is intended to be relied upon for claims that you cannot pay yourself.
  • Occupation can influence insurance coverage rates – Jobs like fire fightersairline pilots and financial analysts have higher rates than the rest of us in part from stressful work requirements and lengthy work days. On the flip side, careers such as actors, engineers and performers generally pay rates lower than average on Durango coverage.
  • Know your vehicle’s IIHS safety rating – Cars with five star safety ratings tend to be cheaper to insure. Highly rated vehicles reduce injuries and reduced instances of injuries means less claims paid and thus lower rates.
  • Only buy what you need – Policies have optional add-on coverages that you can buy if you don’t pay attention. Coverages for replacement cost coverage, high-cost glass coverage, and Farm Bureau memberships may be wasting your money. These may sound like a good investment at first, but if you’ve never needed them in the past eliminate the coverages to reduce your premium.

Car Insurance Discounts

Insuring your vehicles can cost a lot, but you may be missing some discounts that you may not even be aware of. Certain discounts will be triggered automatically when you get a quote, but lesser-known reductions have to be specifically requested before you get the savings.

  • Resident Student – Children who are enrolled in higher education away from home and don’t have a car can receive lower rates.
  • Anti-theft System – Cars optioned with advanced anti-theft systems help deter theft and that can save you a little bit as well.
  • Early Signing – Select car insurance companies give a discount for buying a policy before your current policy expires. This can save 10% or more.
  • Discount for Low Mileage – Maintaining low annual mileage could qualify for cheaper car insurancerates.
  • E-sign – Many larger companies give back up to $50 simply for signing on the web.

A little note about advertised discounts, many deductions do not apply to the entire cost. Most only cut specific coverage prices like collision or personal injury protection. So when it seems like all those discounts means the company will pay you, companies wouldn’t make money that way.

A list of companies and a selection of discounts are outlined below.

  • State Farm has savings for good student, multiple policy, defensive driving training, good driver, anti-theft, multiple autos, and accident-free.
  • American Family offers discounts for accident-free, bundled insurance, Steer into Savings, defensive driver, and multi-vehicle.
  • GEICO offers premium reductions for multi-policy, federal employee, five-year accident-free, driver training, membership and employees, daytime running lights, and anti-lock brakes.
  • 21st Century may include discounts for theft prevention, good student, automatic seat belts, homeowners, anti-lock brakes, student driver, and defensive driver.
  • Progressive may offer discounts for good student, online signing, multi-vehicle, online quote discount, homeowner, continuous coverage, and multi-policy.

When quoting, ask each company to give you their best rates. Savings might not be offered everywhere. If you would like to view insurance companies with significant discounts, click here to view.

Tailor your auto insurance coverage to you

When buying the best auto insurance coverage for your vehicles, there isn’t really a perfect coverage plan. Everyone’s situation is unique so your insurance needs to address that. These are some specific questions could help you determine whether your personal situation might need an agent’s assistance.

  • What happens if I owe more than my 1998 Dodge Durango is worth?
  • Should I have combined single limit or split liability limits?
  • Is my vehicle covered by my employer’s policy when using it for work?
  • I have health insurance so do I need medical payments coverage?
  • Does my insurance cover my expensive audio equipment?
  • What can I do if my company won’t pay a claim?
  • Why am I required to get a high-risk car insurance policy?
  • Can my teen driver be rated on a liability-only vehicle?
  • Am I better off with higher deductibles on my 1998 Dodge Durango?
  • Can I get a multi-policy discount for packaging my home and auto coverage?

If you don’t know the answers to these questions then you might want to talk to an insurance agent. To find an agent in your area, simply complete this short form or go to this page to view a list of companies.

Insurance coverage options for a 1998 Dodge Durango

Understanding the coverages of insurance aids in choosing the best coverages and proper limits and deductibles. The coverage terms in a policy can be confusing and reading a policy is terribly boring. Listed below are typical coverage types offered by insurance companies.

Collision coverage protection

Collision coverage pays for damage to your Durango resulting from colliding with a stationary object or other vehicle. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision insurance covers things like crashing into a ditch, colliding with another moving vehicle, sustaining damage from a pot hole and backing into a parked car. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are 8 years or older. It’s also possible to increase the deductible in order to get cheaper collision rates.

Medical expense coverage

Coverage for medical payments and/or PIP reimburse you for expenses for nursing services, dental work and ambulance fees. They can be utilized in addition to your health insurance program or if there is no health insurance coverage. Medical payments and PIP cover both the driver and occupants as well as if you are hit as a while walking down the street. PIP coverage is not universally available and gives slightly broader coverage than med pay

Comprehensive protection

This covers damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive can pay for things such as damage from a tornado or hurricane, rock chips in glass, hail damage, hitting a deer and falling objects. The highest amount your insurance company will pay is the actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Uninsured or underinsured coverage

Uninsured or Underinsured Motorist coverage gives you protection from other motorists when they either have no liability insurance or not enough. Covered claims include injuries to you and your family as well as your vehicle’s damage.

Since many drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage should not be overlooked. Normally your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.

Liability auto insurance

This will cover injuries or damage you cause to people or other property in an accident. This insurance protects YOU from legal claims by others. It does not cover damage sustained by your vehicle in an accident.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see liability limits of 50/100/50 that means you have a limit of $50,000 per injured person, a limit of $100,000 in injury protection per accident, and a limit of $50,000 paid for damaged property. Some companies may use one number which is a combined single limit that pays claims from the same limit and claims can be made without the split limit restrictions.

Liability coverage protects against claims like legal defense fees, repair bills for other people’s vehicles, loss of income, court costs and medical services. How much liability coverage do you need? That is your choice, but it’s cheap coverage so purchase as much as you can afford.

More comparisons equals lower rates

Discount 1998 Dodge Durango insurance can be purchased on the web as well as from insurance agents, so you need to shop insurance with both to have the best chance of lowering rates. Some companies may not provide price quotes online and most of the time these small, regional companies prefer to sell through independent insurance agents.

When searching for affordable insurance quotes, it’s not a good idea to buy less coverage just to save a little money. Too many times, an insured cut physical damage coverage only to discover later they didn’t have enough coverage. Your goal is to get the best coverage possible for the lowest cost while not skimping on critical coverages.

We’ve covered quite a bit of information on how to save on 1998 Dodge Durango insurance. The key concept to understand is the more rate comparisons you have, the better likelihood of getting low cost insurance. Consumers may even find the lowest rates are with a small mutual company. Regional companies may only write in your state and offer lower auto insurance rates as compared to the big name companies such as State Farm or Progressive.

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