How Much Does 2008 Dodge Durango Insurance Cost?

Searching for better car insurance rates for your Dodge Durango? Pricey Dodge Durango insurance can drain your checking account and force you to tighten up your finances. Doing a rate analysis is a smart way to slash your bill and have more diposable income.

Online insurance companies like State Farm, Farmers Insurance, GEICO and Allstate increase brand awareness with TV and radio ads and it is difficult to ignore the propoganda and effectively compare rates to find the best deal.

You should make it a habit to compare rates at least once a year because insurance prices go up and down regularly. Despite the fact that you may have had the lowest rates for Durango insurance last year you can probably find a better premium rate now. Ignore everything you know about car insurance because we’re going to show you the tricks you need to know to find lower rates on car insurance.

The quickest method to compare car insurance company rates is to understand most insurance companies actually pay money for the chance to compare rate quotes. All you need to do is provide information like how much you drive, how old drivers are, any included safety features, and the make and model of your vehicles. That information is automatically sent to many different companies and you get price estimates immediately.

If you would like to compare rates now, click here and find out if lower rates are available.

Insurance coverage policy discounts you can’t miss

Some providers don’t list every discount very well, so the list below details a few of the more well known and the more hidden credits available to you. If they aren’t giving you every credit you deserve, you are just wasting money.

  • Full Payment Discount – By paying your entire bill at once rather than paying in monthly installments you could save 5% or more.
  • Good Student Discount – Being a good student can be rewarded with saving of up to 25%. Earning this discount can benefit you up until you turn 25.
  • Cautious Driver Discounts – Drivers without accidents can pay as much as 50% less for Durango insurance compared to accident prone drivers.
  • Savings for New Vehicles – Putting insurance coverage on a new car can save up to 30% because new model year vehicles are generally safer.
  • ABS and Traction Control Discounts – Cars and trucks that have steering control and anti-lock brakes prevent accidents and qualify for as much as a 10% discount.
  • Multiple Cars – Having multiple vehicles on one policy can reduce rates for all insured vehicles.

Remember that many deductions do not apply to the entire cost. Some only apply to individual premiums such as comp or med pay. Just because it seems like you could get a free insurance coverage policy, it’s just not the way it works.

A list of insurance coverage companies and some of their more popular discounts are outlined below.

  • State Farm offers premium reductions for Drive Safe & Save, Steer Clear safe driver discount, multiple policy, accident-free, anti-theft, and good driver.
  • Esurance includes discounts for defensive driver, anti-theft, homeowner, anti-lock brakes, online shopper, Switch & Save, and safety device.
  • Progressive may have discounts that include multi-vehicle, multi-policy, online signing, homeowner, and good student.
  • Liberty Mutual offers discounts including new graduate, preferred payment discount, multi-policy, hybrid vehicle, and good student.
  • Auto-Owners Insurance may offer discounts for paid in full, student away at school, anti-lock brakes, multiple vehicles, and company car.
  • GEICO may include discounts for five-year accident-free, anti-theft, defensive driver, federal employee, military active duty, good student, and air bags.

If you need lower rates, check with all companies you are considering which discounts you qualify for. Some of the discounts discussed earlier might not be offered on policies everywhere. To locate providers who offer free insurance coverage quotes, click here.

Insurance agents can help

When it comes to buying the right insurance coverage, there isn’t really a best way to insure your cars. Your needs are not the same as everyone else’s so this has to be addressed. Here are some questions about coverages that might help in determining if your insurance needs would benefit from an agent’s advice.

  • Is extra glass coverage worth it?
  • What if I total my 2008 Dodge Durango and owe more than it’s worth?
  • Why am I required to get a high-risk car insurance policy?
  • Should I file a claim if it’s only slightly more than my deductible?
  • When should I drop full coverage on my 2008 Dodge Durango?
  • Does coverage extend to my business vehicle?
  • Am I covered if I wreck a rental car?
  • Can I rate high risk drivers on liability-only vehicles?
  • Do I need medical payments coverage since I have good health insurance?

If you can’t answer these questions but one or more may apply to you, you might consider talking to a licensed insurance agent. If you don’t have a local agent, take a second and complete this form or you can go here for a list of companies in your area.

Insurance rate influencing factors

Smart consumers have a good feel for the factors that help calculate your premiums. If you know what determines premiums, this allows you to make educated decisions that will entitle you to much lower annual insurance costs. Many factors are used when you quote your car insurance policy. Some of the criteria are obvious like your driving record, although others are more transparent such as your credit history or your vehicle rating.

  • Job stress can make you pay more – Occupations such as doctors, executives and financial analysts are shown to have higher rates than average due to stressful work requirements and lots of time spent at work. On the other hand, careers like scientists, historians and performers have the lowest average rates for Durango insurance.
  • Do you need those extra coverages? – Insurance policies have a lot of add-on coverages you can purchase on your insurance coverage policy. Insurance for personal injury protection, towing, and membership fees could be just wasting money. You may think they are a good idea when buying your policy, but your money might be better spent on other coverage so eliminate the coverages to reduce your premium.
  • Bad credit will cost you – Credit rating is a big factor in determining what you pay for insurance coverage. Insureds with excellent credit scores tend to be better risks to insure as compared to drivers with lower ratings. So if your credit rating could use some work, you could save money insuring your 2008 Dodge Durango if you clean up your credit.
  • Safer occupants lowers prices – Vehicles with high crash test scores tend to have better insurance rates. Safer cars have better occupant injury protection and reduced instances of injuries translates into fewer and smaller insurance claims and cheaper rates on your policy.

Insurance coverage breakdown

Understanding the coverages of your insurance policy can help you determine appropriate coverage and the correct deductibles and limits. Policy terminology can be difficult to understand and coverage can change by endorsement. Listed below are the usual coverages available from insurance companies.

Auto liability

Liability coverage provides protection from damage that occurs to other people or property in an accident. This insurance protects YOU from legal claims by others, and does not provide coverage for your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have policy limits of 50/100/50 which means 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.

Liability can pay for claims like repair bills for other people’s vehicles, medical services, repair costs for stationary objects, legal defense fees and attorney fees. How much liability coverage do you need? That is a decision to put some thought into, but you should buy as high a limit as you can afford.

Comprehensive (Other than Collision)

Comprehensive insurance coverage pays for 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 insurance covers things such as damage from getting keyed, a broken windshield, hitting a deer and rock chips in glass. The highest amount you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle is not worth much consider dropping full coverage.

Collision insurance

Collision coverage pays for damage to your Durango resulting from a collision with an object or car. You have to pay a deductible then your collision coverage will kick in.

Collision coverage protects against claims such as crashing into a building, hitting a parking meter, sideswiping another vehicle, sustaining damage from a pot hole and damaging your car on a curb. This coverage can be expensive, so consider removing coverage from older vehicles. Another option is to choose a higher deductible in order to get cheaper collision rates.

Protection from uninsured/underinsured drivers

Uninsured or Underinsured Motorist coverage protects you and your vehicle when the “other guys” either are underinsured or have no liability coverage at all. Covered losses include medical payments for you and your occupants and damage to your 2008 Dodge Durango.

Because many people only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. So UM/UIM coverage is important protection for you and your family.

Medical expense insurance

Personal Injury Protection (PIP) and medical payments coverage pay for bills like EMT expenses, X-ray expenses, prosthetic devices and surgery. The coverages can be used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. They cover all vehicle occupants and also covers if you are hit as a while walking down the street. PIP is not available in all states but it provides additional coverages not offered by medical payments coverage

Shop smart and save

Budget-conscious 2008 Dodge Durango insurance can be sourced online in addition to many insurance agents, so you should compare both to have the best rate selection. A few companies do not provide the ability to get a quote online and these regional insurance providers work with local independent agents.

As you restructure your insurance plan, you should never buy poor coverage just to save money. There have been many cases where someone dropped liability limits or collision coverage only to regret that saving that couple of dollars actually costed them tens of thousands. The aim is to buy enough coverage for the lowest price while still protecting your assets.

More tips and info about insurance is available by following these links: