Cheapest 1998 Dodge Durango Insurance Rates in 2023

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: Jun 1, 2023

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Saving money on insurance coverage is hard for consumers new to shopping for insurance online. Drivers have so many choices that it can turn into a big hassle to find lower rates.

Vehicle Insurance Comparison

There are several ways to shop for Dodge Durango auto insurance, but one way is less time-consuming than others. You can spend countless hours talking to insurance companies in your area, or you could save time and use online quoting to get rate comparisons in just a few minutes.

Most car insurance companies are enrolled in a marketplace that allows shoppers to send in one quote, and each company can provide price quotes. This prevents consumers from doing repetitive form submissions for each company you want a rate for.

To fill out one form to compare multiple rates now click to open in new window.

Whichever method you choose, ensure you are comparing exactly the same coverages and limits for each comparison quote. If your comparisons have different deductibles you will not be able to determine which rate is truly the best. Having just a slight variation in limits may cause a big price difference. And when comparison shopping, having more price comparisons will enable you to find the best price.

How much can you save with discounts?

Companies that sell car insurance don’t list all available discounts in a way that’s easy to find, so we break down both well-publicized and the more hidden savings tricks you should be using.

  • Anti-lock Brake System – Vehicles equipped with ABS or steering control prevent accidents and earn discounts up to 10%.
  • Safety Course Discount – Taking part in a driver safety course can save you 5% or more if your company offers it.
  • Clubs and Organizations – Affiliation with a professional or civic organization could qualify you for a break when buying car insurance for Durango coverage.
  • Resident Student – Youth drivers who are attending college without a vehicle on campus may be able to be covered for less.
  • Discount for Good Grades – A discount for being a good student can earn a discount of 20% or more. Earning this discount can benefit you up to age 25.
  • More Vehicles More Savings – Insuring multiple cars or trucks on one policy qualifies for this discount.
  • Theft Prevention System – Cars that have factory anti-theft systems prevent vehicle theft and qualify for as much as a 10% discount.
  • Federal Employees – Being employed by or retired from a federal job may qualify you for a discount for Durango coverage depending on your company.

Drivers should understand that most of the big mark downs will not be given to the entire cost. Most only cut the cost of specific coverages such as liability, collision or medical payments. Just because you may think you could get a free car insurance policy, companies wouldn’t make money that way.

Car insurance companies who might offer these money-saving discounts include:

  • The Hartford
  • American Family
  • Progressive
  • Travelers
  • Farmers Insurance
  • USAA
  • Liberty Mutual

It’s a good idea to ask every prospective company what discounts are available to you. Some discounts may not be available everywhere.

How much car insurance do I need?

When buying coverage for your vehicles, there is no one size fits all plan. Everyone’s needs are different.

These are some specific questions can help discover whether you could use an agent’s help.

  • Is a blown tire covered by insurance?
  • Are my friends covered when driving my car?
  • Am I missing any policy discounts?
  • Will my insurance pay for OEM parts?
  • Am I insured when driving a different vehicle?
  • Does insurance cover damages from a DUI accident?
  • How high should my medical payments coverage be?

If you can’t answer these questions, then you may want to think about talking to an insurance agent. To find an agent in your area, take a second and complete this form.

Specifics of your auto insurance policy

Learning about specific coverages of your auto insurance policy can be of help when determining the right coverages and proper limits and deductibles. Policy terminology can be confusing and nobody wants to actually read their policy.

Collision – Collision coverage pays to fix your vehicle from damage resulting from a collision with a stationary object or other vehicle. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against claims such as colliding with a tree, hitting a mailbox, colliding with another moving vehicle, sideswiping another vehicle and crashing into a building. Collision coverage makes up a good portion of your premium, so consider dropping it from lower value vehicles. Drivers also have the option to bump up the deductible to bring the cost down.

Uninsured/Underinsured Motorist coverage – Your UM/UIM coverage protects you and your vehicle when the “other guys” either are underinsured or have no liability coverage at all. It can pay for medical payments for you and your occupants as well as your vehicle’s damage.

Due to the fact that many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. So UM/UIM coverage is a good idea.

Medical payments coverage and PIP – Med pay and PIP coverage provide coverage for immediate expenses for hospital visits, ambulance fees and doctor visits. They are often used in conjunction with a health insurance policy or if you are not covered by health insurance. Coverage applies to not only the driver but also the vehicle occupants in addition to if you are hit as a while walking down the street. PIP is not universally available and gives slightly broader coverage than med pay

Comprehensive coverage – Comprehensive insurance will pay to fix damage that is not covered by collision coverage. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers claims such as hitting a bird, vandalism, falling objects and damage from getting keyed. The maximum amount a auto insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Liability coverages – This provides protection from damages or injuries you inflict on other’s property or people in an accident. This insurance protects YOU from claims by other people, and doesn’t cover damage sustained by your vehicle in an accident.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see liability 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.

Liability coverage pays for things such as medical expenses, court costs, repair bills for other people’s vehicles, loss of income and pain and suffering. How much coverage you buy is up to you, but consider buying as high a limit as you can afford.

Frequently Asked Questions

How can I find the cheapest insurance for my 1998 Dodge Durango?

To find the cheapest insurance for your 1998 Dodge Durango, consider the following steps:

  1. Compare quotes: Shop around and obtain quotes from multiple insurance providers to find the best rates available. Websites and online tools can help simplify this process.
  2. Increase deductibles: Opting for a higher deductible can lower your insurance premiums. However, make sure you can afford to pay the deductible in case of a claim.
  3. Evaluate coverage options: Review your coverage needs and consider reducing certain optional coverages if they are not essential.
  4. Ask for discounts: Inquire about available discounts from insurance providers. Some common discounts include multi-policy discounts, safe driver discounts, or discounts for anti-theft devices.
  5. Maintain a good driving record: A clean driving record can help you secure lower insurance rates. Avoid traffic violations and accidents to maintain a good record.

What factors affect the insurance rates for a 1998 Dodge Durango?

Several factors influence the insurance rates for a 1998 Dodge Durango, including:

  • Age and driving history: Younger drivers or those with a history of accidents or traffic violations may face higher insurance premiums.
  • Location: Insurance rates can vary depending on where you live. Areas with higher rates of accidents or theft may result in higher premiums.
  • Usage: The purpose of your vehicle (commuting, personal use, business) and the annual mileage can impact insurance rates.
  • Safety features: Vehicles equipped with safety features such as airbags, anti-lock brakes, and anti-theft systems may qualify for lower insurance rates.
  • Insurance coverage and deductibles: Higher coverage limits and lower deductibles generally lead to higher premiums.
  • Vehicle condition: The overall condition of your 1998 Dodge Durango can affect insurance rates. If it has any pre-existing damage or mechanical issues, it may impact the cost.
  • Insurance provider: Different insurance companies have varying rates, discounts, and underwriting criteria. Shopping around can help you find the best rates available.

Are there any specific insurance considerations for an older vehicle like the 1998 Dodge Durango?

Yes, older vehicles like the 1998 Dodge Durango may have some specific insurance considerations:

  • Actual cash value: Insurers may consider the actual cash value (ACV) of an older vehicle rather than its replacement cost. ACV takes into account depreciation, which can affect the payout amount in the event of a total loss.
  • Comprehensive and collision coverage: Depending on the value of your vehicle, you may want to evaluate the need for comprehensive and collision coverage. If the cost of these coverages exceeds the vehicle’s value, you may consider forgoing them.
  • Liability coverage: Maintaining liability coverage is crucial regardless of the age of the vehicle. It protects you financially if you cause damage to others’ property or injure someone in an accident.
  • Vintage or classic car insurance: If your 1998 Dodge Durango is considered a vintage or classic vehicle, you may want to explore specialized insurance policies designed for such vehicles. These policies often offer unique coverage options and lower premiums.

Can I get discounts on insurance for my 1998 Dodge Durango?

Yes, you may be eligible for various discounts on insurance for your 1998 Dodge Durango. Some common discounts offered by insurance providers include:

  • Multi-policy discount: If you have multiple insurance policies with the same provider, such as auto and home insurance, you may qualify for a discount.
  • Safe driver discount: Maintaining a clean driving record, free from accidents and traffic violations, can make you eligible for lower insurance rates.
  • Anti-theft device discount: Installing anti-theft devices, such as an alarm system or tracking device, may lead to discounted insurance premiums.
  • Good student discount: If you or any drivers on your policy are students with good academic standing, you may be eligible for a discount.
  • Defensive driving course discount: Completing a defensive driving course can sometimes qualify you for discounted insurance rates.
  • Loyalty discount: Some insurance companies offer discounts to policyholders who have been with them for an extended period.

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