Cheap 2011 Dodge Durango Insurance Cost

Trying to find lower insurance coverage rates for your Dodge Durango? Did a good deal turn out to be an overpriced insurance coverage policy? Trust us when we tell you there are many people just like you. Since you have so many companies to choose from, it can be hard to locate the cheapest insurer.

It’s a good habit to get comparison quotes at least once a year because insurance prices are usually higher with each renewal. Just because you had the best rates for Durango insurance a year ago you may be paying too much now. Forget anything you know (or think you know) about insurance coverage because I’m going to let you in on the secrets to how to use the internet to save money, get proper deductibles and limits, all at the lowest rate.

Pricing the cheapest insurance can be fairly easy. If you have a current insurance policy or are looking for a new policy, you can use this information to shop for the lowest rates while maximizing coverage. Drivers just need to understand how to buy insurance online.

Save with these premium-slashing discounts

Car insurance is easily one of your largest bills, but there could be available discounts that you may not even know about. Certain credits will be shown at the time you complete a quote, but some must be specifically requested prior to getting the savings.

  • Save with More Vehicles Insured – Buying a policy with multiple cars or trucks on the same car insurance policy can reduce the rates for all insured vehicles.
  • Paperwork-free – Some of the larger companies will give you a small discount just for signing your application on their website.
  • Seat Belt Usage – Requiring all passengers to wear their seat belts could cut 10% or more on the premium charged for medical payments and/or PIP.
  • Senior Citizen Rates – Drivers that qualify as senior citizens could receive a small discount on rates for Durango insurance.
  • Good Student – Maintaining excellent grades can be rewarded with saving of up to 25%. Earning this discount can benefit you well after school through age 25.
  • Government Employees – Simply working for the federal government could provide a small rate reduction for Durango insurance with some car insurance companies.
  • Low Miles Discount – Low mileage vehicles could be rewarded with cheaper premium rates.
  • Cautious Driver Discounts – Insureds without accidents can get discounts for up to 45% lower rates for Durango insurance compared to rates paid by drivers with frequent claims.
  • Student Discount for Driver Training – Require your teen driver to complete a driver education course in high school.

As a footnote on discounts, some of the credits will not apply to your bottom line cost. Most only reduce individual premiums such as medical payments or collision. Even though the math looks like all those discounts means the company will pay you, car insurance companies aren’t that generous. But all discounts will positively reduce your premiums.

Large car insurance companies and their offered discounts can be found below.

  • Farm Bureau has savings for safe driver, good student, renewal discount, multi-policy, youthful driver, driver training, and multi-vehicle.
  • State Farm includes discounts for defensive driving training, safe vehicle, good student, driver’s education, multiple autos, and multiple policy.
  • Progressive policyholders can earn discounts including multi-policy, continuous coverage, homeowner, online quote discount, online signing, good student, and multi-vehicle.
  • Allstate may have discounts that include senior citizen, anti-theft, FullPay discount, early signing, utility vehicle, auto/life discount, and good student.
  • Nationwide has discounts for anti-theft, family plan, good student, business or organization, accident-free, multi-policy, and defensive driving.
  • MetLife may offer discounts for multi-policy, claim-free, defensive driver, accident-free, and good student.

It’s a good idea to ask all the companies to apply every possible discount. Some credits might not be offered in every state. To find insurers who offer cheap car insurance quotes, click here.

How insurance companies determine Dodge Durango insurance rates

Smart consumers have a good feel for some of the things that play a part in calculating the rates you pay for insurance coverage. If you know what impacts premium levels, this enables you to make decisions that could result in lower rates. Lots of factors are part of the calculation when you quote your car insurance policy. Most are fairly basic like a motor vehicle report, but other factors are not quite as obvious such as your marital status or your commute time.

  • Never let your insurance coverage policy lapse – Allowing your coverage to lapse is a sure-fire way to increase your rates. In addition to paying higher premiums, the inability to provide proof of insurance could result in a fine, jail time, or a revoked license.
  • Poor driving habits leads to higher prices – Attentive drivers pay less for auto insurance than bad drivers. Only having one speeding ticket or other violation may increase your cost forty percent or more. Drivers who get dangerous violations such as reckless driving, hit and run or driving under the influence may need to complete a SR-22 to the state department of motor vehicles in order to prevent a license revocation.
  • Only buy add-on coverages you need – Policies have extra bells and whistles that sound like a good idea at the time on your Durango policy. Coverages for replacement cost coverage, towing coverage, and term life insurance are examples of these. These coverages may sound good initially, but now you might not need them so remove them from your policy.
  • Location can modify price – Having an address in less populated areas of the country can save you money when shopping for auto insurance. Fewer drivers on the road translates into fewer accident claims and lower theft and vandalism rates. People in densly populated areas have to deal with more road rage incidents and much longer commute distances. More time commuting means more chances of being involved in an auto accident.

Do I need special coverages?

When buying proper insurance coverage for your personal vehicles, there really is not a “perfect” insurance plan. Coverage needs to be tailored to your specific needs so this has to be addressed. For example, these questions may help highlight whether you would benefit from an agent’s advice.

  • What is UM/UIM insurance?
  • Is my state a no-fault state?
  • Are all vehicle passengers covered by medical payments coverage?
  • When does my teenage driver need to be added to my policy?
  • Will my insurance pay for OEM parts?
  • What is the minimum liability in my state?
  • Which companies will insure high-risk drivers?

If it’s difficult to answer those questions but one or more may apply to you then you might want to talk to an insurance agent. To find lower rates from a local agent, fill out this quick form or go to this page to view a list of companies. It only takes a few minutes and can help protect your family.

Insurance coverages explained

Understanding the coverages of your insurance policy can help you determine appropriate coverage for your vehicles. Insurance terms can be ambiguous and nobody wants to actually read their policy. Below you’ll find typical coverage types found on the average insurance policy.

Comprehensive protection

Comprehensive insurance coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for claims like hitting a deer, rock chips in glass and damage from getting keyed. The most you’ll receive from a claim is the ACV or actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.

Collision insurance

Collision coverage will pay to fix damage to your Durango resulting from colliding with a stationary object or other vehicle. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers things like driving through your garage door, rolling your car, colliding with a tree and crashing into a ditch. This coverage can be expensive, so consider removing coverage from lower value vehicles. Drivers also have the option to choose a higher deductible to bring the cost down.

Auto liability

Liability insurance protects you from damages or injuries you inflict on other people or property. It protects you from claims by other people, and does not provide coverage for damage sustained by your vehicle in an accident.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have liability limits of 50/100/50 which means $50,000 in coverage for each person’s injuries, $100,000 for the entire accident, and a limit of $50,000 paid for damaged property. Alternatively, you may have one number which is a combined single limit which limits claims to one amount rather than limiting it on a per person basis.

Liability insurance covers claims such as structural damage, emergency aid and legal defense fees. How much liability should you purchase? That is up to you, but you should buy as high a limit as you can afford.

Medical expense coverage

Personal Injury Protection (PIP) and medical payments coverage reimburse you for immediate expenses for things like doctor visits, rehabilitation expenses, X-ray expenses and EMT expenses. The coverages can be used to cover expenses not covered by your health insurance plan or if you do not have health coverage. It covers not only the driver but also the vehicle occupants and will also cover any family member struck as a pedestrian. Personal injury protection coverage is not universally available and may carry a deductible

Uninsured or underinsured coverage

This coverage protects you and your vehicle when the “other guys” do not carry enough liability coverage. Covered losses include medical payments for you and your occupants as well as your vehicle’s damage.

Because many people only purchase the least amount of liability that is required, their limits can quickly be used up. This is the reason having UM/UIM coverage should not be overlooked. Most of the time these limits are identical to your policy’s liability coverage.

More effort can pay off

When buying insurance coverage, don’t be tempted to reduce needed coverages to save money. There are a lot of situations where an accident victim reduced uninsured motorist or liability limits and found out when filing a claim that the few dollars in savings costed them thousands. Your goal should be to buy enough coverage for the lowest cost, but do not skimp to save money.

We just presented a lot of techniques to reduce 2011 Dodge Durango insurance prices online. It’s most important to understand that the more rate quotes you have, the more likely it is that you will get a better rate. Consumers could even find that the best prices are with a small mutual company. These smaller insurers may have significantly lower rates on certain market segments compared to the large companies like Progressive or GEICO.

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