Compare 2013 Dodge Durango Car Insurance Cost

Looking for the cheapest insurance coverage rates for your Dodge Durango? Are you irritated from paying out the nose to buy insurance coverage? You are no different than the majority of other people.

Companies like GEICO, Progressive and Allstate increase brand awareness with ad campaigns and it is difficult to not get sucked in by the cute commercials and find the best price available.

It’s a good habit to check insurance coverage prices on a regular basis since prices are constantly changing. Just because you had the best deal on Durango insurance a couple years back there is a good chance you can find better rates now. Forget all the misinformation about insurance coverage because you’re about to learn one of the best ways to find great coverage at a great price.

If you currently have car insurance, you will be able to reduce your rates substantially using these tips. Finding the best rates is quite easy. But car owners can benefit by having an understanding of how insurance companies compete online and apply this information to your search.

Shop auto insurance online

There are a lot of ways to compare auto insurance prices but some are less time-consuming than others. You could spend the better part of a day talking to insurance agencies in your area, or you can stay home and use the internet to get the quickest rates.

Most of the larger companies enroll in a system where insurance shoppers complete one form, and each company then returns a price quote. This system prevents you from having to do quote forms to each individual auto insurance company. To find out how much you’re overpaying now click here to start a free quote.

The one disadvantage to using this type of form is you cannot specify which companies to receive prices from. So if you want to choose from a list of companies to receive pricing from, we put together a list of the cheapest auto insurance companies in your area. Click to view list.

It’s up to you how you get prices quotes, just do your best to use the exact same deductibles and coverage limits on every quote. If you compare differing limits it will be next to impossible to find the best deal for your Dodge Durango. Quoting even small variations in insurance coverages can mean a large discrepancy in price. And when comparison shopping, comparing all the rates in your area will improve the odds of getting more affordable rates. Not every company provides online rate quotes, so it’s necessary to compare quotes from them, too.

Discount insurance quotes

Buying insurance is not cheap, but discounts can save money and there are some available that you may not even know about. Certain discounts will be triggered automatically when you complete an application, but some may not be applied and must be inquired about before you will receive the discount.

  • Sign Early and Save – Select companies give a discount for switching companies prior to your current policy expiration. You could save around 10% when you buy car insurance online.
  • College Student Discount – College-age children living away from home attending college and leave their car at home may be insured at a cheaper rate.
  • Discount for Good Grades – Excelling in school may save you up to 25%. Many companies even apply the discount to college students well after school through age 25.
  • Claim Free – Drivers who don’t have accidents can save substantially when compared to insureds who have frequent claims or accidents.
  • Driving Data Discount – Policyholders that allow their insurance company to track where and when they drive by using a telematic data system like In-Drive from State Farm and Progressive’s Snapshot could possibly reduce rates if they show good driving skills.
  • Defensive Driver – Taking time to complete a class that teaches defensive driving techniques could earn you a small percentage discount depending on where you live.
  • Drivers Education – Reduce the cost of insurance for teen drivers by having them successfully complete driver’s ed class as it will make them better drivers and lower rates.
  • Senior Discount – Drivers over the age of 55 may be able to get better insurance rates on Durango insurance.

As is typical with insurance, some credits don’t apply to the entire cost. Most only apply to individual premiums such as medical payments or collision. Even though it appears you can get free auto insurance, insurance companies wouldn’t stay in business. Any qualifying discounts will cut your overall premium however.

Some of the insurance companies that may offer quotes with these discounts include:

If you need lower rates, check with each insurance company the best way to save money. Some of the earlier mentioned discounts might not apply in your area. To find insurers with discount rates, follow this link.

Tailor your auto insurance coverage to you

When choosing the best auto insurance coverage, there isn’t really a “perfect” insurance plan. Everyone’s situation is unique so this has to be addressed. For instance, these questions may help highlight if you might need professional guidance.

  • Is rental equipment covered for theft or damage?
  • What vehicles should carry emergency assistance coverage?
  • Am I covered if I drive in a foreign country?
  • Is my babysitter covered when using my vehicle?
  • Do I need rental car coverage?
  • Is my camper covered by my car insurance policy?
  • Does insurance cover damages from a DUI accident?
  • Am I covered by my employer’s commercial auto policy when driving my personal car for business?
  • Should I bundle my homeowners policy with my auto?
  • What are the financial responsibility laws in my state?

If you can’t answer these questions but you think they might apply to your situation, you may need to chat with an agent. To find lower rates from a local agent, take a second and complete this form or click here for a list of auto insurance companies in your area.

Learn how to find auto insurance for less

Multiple criteria are taken into consideration when you get your auto insurance bill. Most are fairly basic such as traffic violations, but some are not quite as obvious like your continuous coverage and annual miles driven.Consumers need to have an understanding of the rating factors that aid in calculating your auto insurance rates. When you understand what positively or negatively impacts your premiums, this helps enable you to make changes that may result in lower rates.

Shown below are most of the major factors companies use to determine your rates.

  • Companies want multiple policies – Some companies will give better rates for people who consolidate policies with them. It’s known as a multi-policy discount. Even if you already get this discount, it’s still a good idea to compare other insurance prices to confirm you are receiving the best rates possible.There is a chance you can save even more even if you insure with multiple companies
  • Premiums for males may be higher – Statistics show that females tend to be a little less risky than males. This data doesn’t prove that females are better at driving than males. Males and females cause at-fault accidents in similar percentages, but males have costlier accidents. Men also have more aggressive citations like driving under the influence (DUI). Young men ages 16 to 20 tend to get in the most accidents and are penalized with high auto insurance rates.
  • Credit rating impacts rates – Having a bad credit score will be a significant factor in your rate calculation. Insureds that have excellent credit scores tend to file fewer claims and have better driving records than drivers who have lower ratings. So if your credit can be improved, you could potentially save money when insuring your 2013 Dodge Durango by improving your rating.
  • Drive less and pay lower prices – The more you drive your Dodge in a year’s time the more you will pay for auto insurance. Almost all companies apply a rate determined by how the vehicle is used. Cars that do not get driven very much can be on a lower rate level than vehicles that have high annual mileage. Improper usage on your Durango may be wasting your money. It’s a smart idea to ensure your vehicle rating is showing the correct driver usage, because improper ratings can cost you money.
  • Insurance companies don’t like frequent claims – If you file claims often, you should expect higher premiums or even policy non-renewal. Auto insurance companies generally give most affordable rates to policyholders who are claim-free. Your car insurance is intended for more catestrophic claims.
  • Reduce prices by driving safer cars – Safer cars get lower rates. Vehicles built for safety reduce the chance of injuries and any reduction in injury severity means your insurance company pays less and more competitive rates for policyholders. If the Dodge Durango earned at least four stars on Safercar.gov it is probably cheaper to insure.
  • Accidents are costly – Whether or not you get tickets can have a huge impact on auto insurance premiums. Even one moving violation may cause rates to rise substantially. Drivers with clean records get better rates compared to bad drivers. Drivers unfortunate enough to have dangerous violations like DUI or reckless driving may need to prove financial responsibility with their state’s department of motor vehicles in order to prevent a license revocation.
  • Prevent auto insurance policy lapses – Driving your car without having proper coverage is not a good idea and you will pay a penalty because you let your coverage lapse. Not only will you pay more, failure to provide proof of insurance can result in fines or a revoked license.

Car insurance coverage information

Understanding the coverages of your car insurance policy aids in choosing which coverages you need and proper limits and deductibles. Car insurance terms can be impossible to understand and coverage can change by endorsement. These are the usual coverages found on most car insurance policies.

Collision insurance

This coverage covers damage to your Durango caused by collision with another vehicle or an object, but not an animal. You have to pay a deductible and then insurance will cover the remainder.

Collision coverage protects against claims like colliding with a tree, crashing into a building, scraping a guard rail and rolling your car. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are older. Another option is to raise the deductible to save money on collision insurance.

Med pay and Personal Injury Protection (PIP)

Medical payments and Personal Injury Protection insurance provide coverage for expenses for things like X-ray expenses, pain medications, funeral costs, EMT expenses and prosthetic devices. They are often utilized in addition to your health insurance plan or if you do not have health coverage. They cover you and your occupants as well as any family member struck as a pedestrian. Personal Injury Protection is not available in all states and may carry a deductible

Comprehensive insurance

Comprehensive insurance coverage pays to fix your vehicle from damage from a wide range of events other than collision. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for claims like a tree branch falling on your vehicle, hail damage and damage from getting keyed. The highest amount your car insurance company will pay is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Liability coverages

This coverage will cover damage that occurs to other people or property in an accident. It protects YOU from legal claims by others, and does not provide coverage for your own vehicle damage or injuries.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have limits of 25/50/25 that translate to $25,000 in coverage for each person’s injuries, a limit of $50,000 in injury protection per accident, and a total limit of $25,000 for damage to vehicles and property. Occasionally you may see a combined single limit or CSL which limits claims to one amount with no separate limits for injury or property damage.

Liability can pay for claims such as medical expenses, repair bills for other people’s vehicles and legal defense fees. How much liability should you purchase? That is up to you, but consider buying as large an amount as possible.

Uninsured/Underinsured Motorist (UM/UIM)

This gives you protection from other drivers when they are uninsured or don’t have enough coverage. It can pay for hospital bills for your injuries as well as your vehicle’s damage.

Because many people carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage should not be overlooked. Frequently these limits are similar to your liability insurance amounts.

Spend less. Save more.

We just covered a lot of techniques to shop for 2013 Dodge Durango insurance online. The most important thing to understand is the more times you quote, the higher your chance of finding the cheapest car insurance. Drivers may discover the most savings is with a smaller regional carrier. Smaller companies can often insure niche markets at a lower cost than their larger competitors like State Farm and Allstate.

Lower-priced 2013 Dodge Durango insurance can be bought from both online companies in addition to many insurance agents, and you should be comparing both in order to have the best price selection to choose from. Some companies may not provide the ability to get a quote online and many times these smaller providers prefer to sell through independent agents.

As you shop your coverage around, it’s a bad idea to reduce needed coverages to save money. Too many times, someone sacrificed full coverage only to regret at claim time they didn’t have enough coverage. The goal is to buy the best coverage you can find at an affordable rate, but do not sacrifice coverage to save money.

Additional information is located at the links below