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Dodge Durango Insurance Rates

Finding cheaper car insurance by comparing rates online is easy and at the same time you might just save a little. The key is to compare rates from as many companies as possible so you can get the lowest prices.

Consumers who are new to the process of comparison shopping may think buying cut-rate Durango insurance is going to be difficult. When shopping for car insurance there are multiple ways to get quotes from car insurance companies in your area. The easiest way to find competitive Durango insurance cost is to perform an online rate comparison. It is quite easy and can be accomplished by completing this short form.

What factors impact the rate you pay?

Auto insurance rates for your Dodge Durango will vary greatly based upon several criteria. Taken into consideration are:

  • Your driving record
  • Your credit history
  • Men typically pay more than women
  • Low deductibles cost more
  • Your vehicle's safety rating
  • What you do for a living
  • The amount of protection requested
  • Whether you rent or own your home

A final factor which can affect Durango insurance rates is the model year. Models that are a few years old have a reduced actual cash value in comparison to older models so the payout to repair will push premiums down. But more recent Dodge vehicles may have a trim level with safety features including automatic crash notification, sideview assist mirrors, blind-spot warning system, and all-wheel drive so those may give discounted rates.

To get more specific information about how rates are influenced for your specific model year, select the year of your vehicle from available model years below.

Auto liability insurance - Liability insurance will cover damages or injuries you inflict on other's property or people that is your fault. Liability insurance covers things such as emergency aid, pain and suffering, and medical services. Liability insurance is relatively cheap so consider buying as much as you can afford.

Collision - This will pay to fix damage to your Dodge resulting from colliding with an object or car. You have to pay a deductible and then insurance will cover the remainder. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are older. It's also possible to bump up the deductible to save money on collision insurance.

Comprehensive insurance - Comprehensive insurance coverage pays to fix your vehicle from damage that is not covered by collision coverage. You first have to pay a deductible and the remainder of the damage will be paid by your Dodge Durango comprehensive insurance. The maximum amount you can receive from a comprehensive claim is the actual cash value, so if the vehicle's value is low it's not worth carrying full coverage.

UM/UIM Coverage - This protects you and your vehicle when the "other guys" are uninsured or don't have enough coverage. Since a lot of drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages should not be overlooked.

Med pay and Personal Injury Protection (PIP) - Personal Injury Protection (PIP) and medical payments coverage provide coverage for expenses (i.e. doctor visits, EMT expenses, and X-ray expenses). They are utilized in addition to your health insurance plan or if there is no health insurance coverage. PIP is only offered in select states but it provides additional coverages not offered by medical payments coverage.

How Much are Dodge Durango Insurance Rates?