2018 Dodge Durango Car Insurance Rates

If shopping for insurance quotes online is new to you, it’s easy to be bewildered thanks to the incredible selection of insurance providers all claiming to have the lowest rates.

Consumers need to compare premium rates at least once a year because prices are usually higher with each renewal. Even if you got the best rates on Durango insurance two years ago other companies may now be cheaper. You can find a lot of misleading information regarding auto insurance online, but you can learn some proven techniques to save money.

The most recommended method to compare car insurance company rates is to know the trick most insurance companies allow for online access to compare their rates. All consumers are required to do is provide a small amount of information like your general credit rating, how many miles driven, if you went to college, and if you have an active license. Your details is automatically sent to multiple different insurance companies and you receive quotes instantly.

To find the cheapest 2018 Dodge Durango insurance rates, click here and enter your coverage details.

Insurance advertising tricks

Big name companies like Allstate and Progressive continually stream ads on TV and radio. All the companies seem to make the promise about how much you will save if you get a free insurance quote and switch to their company. How does every company save you money? It’s all in how they say it.

Most companies quote the lowest rates for a prospective insured that will not have excessive claims. One example of a desirable risk should be between the ages of 30 and 50, owns their home, and drives less than 7,500 miles a year. A customer who fits those characteristics will probably get cheap premium rates and therefore will save a lot if they switch.

Potential insureds who fall short of these stringent criteria will probably have to pay a higher rate with the end result being the customer not purchasing. If you listen closely, the ads state “drivers who switch” but not “all drivers who get quotes” can save as much as they claim. That is how companies can advertise the savings.

That is why drivers must get a wide range of price quotes. Because you never know which company will have the lowest rates for your situation.

The Dodge Durango insurance premium equation

A large part of saving on insurance coverage is knowing some of the factors that play a part in calculating your policy premiums. If you have some idea of what controls the rates you pay, this enables informed choices that may result in big savings. Lots of things are part of the calculation when premium rates are determined. A few of the factors are predictable like your driving record, although others are not quite as obvious like your vehicle usage or your financial responsibility.

The following are most of the major factors used by companies to determine prices.

  • Poor driving means higher rates – Your driving citation history has a big impact on rates. Drivers with clean records have lower premiums as compared to those with violations. Even one speeding ticket may increase your cost by as much as twenty percent. Drivers with serious violations such as DUI or reckless driving may find that they have to to prove financial responsibility with their state in order to prevent their license from being revoked.
  • Only buy what you need – Policies have extra add-on coverages that you can buy but may not be useful. Insurance for things like vanishing deductibles, death and dismemberment, and membership fees are probably not needed. The coverages may be enticing at first, but your money might be better spent on other coverage so consider taking them off your policy.
  • Certain vocations pay higher prices – Occupational choices like doctors, architects and miners usually pay the highest average rates due to stressful work requirements and lengthy work days. Conversely, occupations such as professors, historians and the unemployed get better rates on Durango insurance.
  • Bundle policies and save money – Some insurance coverage companies will give lower prices to people that have more than one policy, otherwise known as a multi-policy discount. Discounts can be anywhere from five to ten percent in most cases. Even if you qualify for this discount already, consumers should still compare rates to help guarantee you have the best rates.
  • Rural vs Urban Areas – Residing in less populated areas may provide you with better prices when talking about insurance coverage. Fewer drivers translates into fewer accidents and a lower car theft rate. People who live in big cities regularly have traffic congestion and much longer commute distances. Longer commute distances means more chances of being involved in an auto accident.
  • Getting married is a bonus – Having a spouse can get you a discount on your insurance coverage bill. Marriage demonstrates that you tend to be more mature and statistics prove married drivers tend to have fewer serious accidents.
  • Men pay more for auto insurance – The statistics show women are more cautious behind the wheel. However, don’t assume that women are BETTER drivers than men. Females and males cause fender benders in similar numbers, but men tend to have higher claims. Not only are claims higher, but men get ticketed for serious violations like DUI and reckless driving.
  • Premiums drop with age – Young drivers have a tendency to be less responsible with other occupants in the car and because of this, their insurance coverage rates are much higher. Older people are viewed as being more responsible, tend to cause fewer accidents .

More affordable rates by receiving discounts

Some insurers don’t necessarily list every possible discount very clearly, so we took the time to find both the well known and also the more inconspicuous credits available to you.

  • ABS Brakes – Vehicles with ABS and/or traction control can stop better under adverse conditions and the ABS can save up to 10%.
  • Online Discount – Some larger companies will discount your bill up to fifty bucks for buying your policy on your computer.
  • Multi-policy Discount – When you have multiple policies with the same insurance company you could earn a discount of 10% to 20% off each policy.
  • Driver’s Education for Students – It’s a good idea to have your young drivers participate in a local driver’s education class in school or through a local driver safety program.
  • No Claim Discounts – Claim-free drivers can save substantially as compared to frequent claim filers.
  • Club Memberships – Joining qualifying employment or professional organizations could qualify you for a break on your policy.

It’s important to note that most of the big mark downs will not be given the the whole policy. The majority will only reduce the cost of specific coverages such as physical damage coverage or medical payments. If you do the math and it seems like you would end up receiving a 100% discount, you aren’t that lucky. But any discount will bring down your premiums.

Companies and the discounts they provide can be read below.

  • Esurance has discounts for defensive driver, claim free, paid-in-full, good driver, and anti-lock brakes.
  • The Hartford offers discounts including defensive driver, air bag, anti-theft, bundle, driver training, good student, and vehicle fuel type.
  • AAA offers discounts for AAA membership discount, anti-theft, multi-policy, good driver, multi-car, pay-in-full, and education and occupation.
  • GEICO may offer discounts for federal employee, membership and employees, military active duty, air bags, and daytime running lights.
  • State Farm may have discounts that include defensive driving training, driver’s education, anti-theft, student away at school, and good student.

Before you buy a policy, ask every company what discounts are available to you. Discounts might not be offered in your area. To locate providers that offer the discounts shown above, follow this link.

Your insurance coverage coverage should be tailored to you

When choosing proper insurance coverage for your personal vehicles, there really is no one size fits all plan. Coverage needs to be tailored to your specific needs.

For example, these questions could help you determine whether or not you could use an agent’s help.

  • Is my teen driver covered when they drive my company car?
  • Do I have coverage when making deliveries for my home business?
  • Where can I find high-risk insurance?
  • Do all my vehicles need collision coverage?
  • What companies insure drivers after a DUI or DWI?
  • Is my 2018 Dodge Durango covered for flood damage?
  • I have good health insurance, so how much medical payments coverage do I need?
  • What if I total my 2018 Dodge Durango and owe more than it’s worth?
  • Why am I required to get a high-risk car insurance policy?

If you can’t answer these questions but you think they might apply to your situation then you might want to talk to a licensed agent. To find lower rates from a local agent, complete this form.

Car insurance coverages for a 2018 Dodge Durango

Knowing the specifics of your insurance policy helps when choosing the best coverages and the correct deductibles and limits. Policy terminology can be impossible to understand and even agents have difficulty translating policy wording.

Liability coverages

This can cover damage or injury you incur to a person or their property in an accident. This insurance protects YOU against other people’s claims. It does not cover your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have values of 100/300/100 which means $100,000 in coverage for each person’s injuries, $300,000 for the entire accident, and a limit of $100,000 paid for damaged property. Some companies may use one limit called combined single limit (CSL) that pays claims from the same limit without having the split limit caps.

Liability can pay for claims such as loss of income, pain and suffering and structural damage. How much coverage you buy is a personal decision, but buy as much as you can afford.

Medical payments coverage and PIP

Medical payments and Personal Injury Protection insurance pay for bills like EMT expenses, doctor visits, funeral costs and pain medications. They are used to fill the gap from your health insurance plan or if you lack health insurance entirely. They cover you and your 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

Uninsured/Underinsured Motorist coverage

Your UM/UIM coverage provides protection when other motorists either have no liability insurance or not enough. Covered claims include hospital bills for your injuries and damage to your 2018 Dodge Durango.

Since a lot of drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is very important. Frequently the UM/UIM limits are similar to your liability insurance amounts.

Auto collision coverage

Collision insurance pays to fix your vehicle from damage resulting from colliding with an object or car. You will need to pay your deductible then your collision coverage will kick in.

Collision insurance covers things such as damaging your car on a curb, hitting a mailbox, rolling your car and driving through your garage door. Collision is rather expensive coverage, so consider dropping it from lower value vehicles. It’s also possible to choose a higher deductible to bring the cost down.

Comprehensive coverage

Comprehensive insurance pays for damage that is not covered by collision coverage. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for things such as theft, damage from flooding and a tree branch falling on your vehicle. The maximum amount your insurance company will pay is the actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Keep this in mind

The cheapest 2018 Dodge Durango insurance is possible online and from local insurance agents, and you should compare rates from both to get a complete price analysis. Some insurance coverage companies may not have the ability to get a quote online and usually these small insurance companies prefer to sell through independent insurance agencies.

As you quote insurance, it’s very important that you do not reduce coverage to reduce premium. There are many occasions where someone dropped uninsured motorist or liability limits and learned later that their decision to reduce coverage ended up costing them more. Your strategy should be to purchase a proper amount of coverage for the lowest price while not skimping on critical coverages.

You just learned many ideas to save on 2018 Dodge Durango insurance. The key thing to remember is the more times you quote, the better your chances of lowering your premium rates. Consumers could even find that the lowest car insurance rates come from a lesser-known regional company.

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