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Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

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Written by Jeffrey Johnson
Insurance Lawyer Jeffrey Johnson

UPDATED: May 12, 2022

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Trying to find better insurance rates for your Dodge Durango? Having to pay for overpriced Dodge Durango insurance can drain your personal savings and make it impossible to make ends meet. Shopping your coverage around is free, only takes a few minutes, and is a good way to make sure you’re not throwing money away.

Companies like GEICO and Progressive all claim big savings, bombarding you with advertising and it can be hard to ignore the flashy ads and take the time to shop coverage around.

Smart consumers take time to get comparison quotes at least once a year because prices change quite often. Despite the fact that you may have had the best price for Durango coverage six months ago a different company probably has better rates today. Block out anything you think you know about insurance because I’m going to let you in on the secrets to one of the best ways to properly buy coverages while reducing your premium.

Dodge Durango rates are complex

It’s important that you understand the rating factors that play a part in calculating your insurance coverage rates. When you know what positively or negatively controls the rates you pay empowers consumers to make smart changes that may reward you with lower insurance coverage prices.

  • Little extras can really add up – There are a lot of add-on coverages you can purchase on your Durango policy. Coverages like personal injury protection, better glass coverage and term life insurance may be costing you every month. They may seem like a good idea when you first buy your policy, but if they’re wasting money get rid of them and save.
  • Younger drivers pay higher rates – Teenage drivers are known to be more careless when behind the wheel so they pay higher insurance coverage rates. Older insureds are viewed as being more responsible, statistically cause fewer accidents and get fewer tickets.
  • Never go without insurance – Driving without insurance can get your license suspended and insurance coverage companies will penalize you for letting your insurance lapse. Not only will rates go up, but being ticketed for driving with no insurance can result in a license revocation or jail time.You may have to prove you have insurance by filing a SR-22 with your state DMV.
  • Where you live – Living in a small town has it’s advantages when buying insurance coverage. Less people living in that area means fewer accidents. Urban drivers tend to have congested traffic and much longer commute distances. Longer commute distances can result in more accidents.
  • Marriage pays dividends – Having a spouse helps lower the price when buying insurance coverage. Having a significant other usually means you are more mature and responsible and it’s statistically proven that drivers who are married are more cautious.
  • Safer cars are cheaper to insure – Safer cars can get you lower premiums. The safest vehicles reduce injuries and better occupant protection means less money paid by your insurance company passed on to you as lower rates. If the Dodge Durango is rated at least four stars on Safercar.gov or an “acceptable” rating on iihs.org it is probably cheaper to insure.
  • Your car’s features help determine rates – Choosing a vehicle with anti-theft technology or alarm system can help bring down rates. Anti-theft devices such as tamper alarm systems, vehicle immobilizer technology and General Motors OnStar can thwart car theft.

Save money by taking advantage of these discounts

Insurance can cost an arm and a leg, buy you may qualify for discounts to help offset the cost. Larger premium reductions will be automatically applied at the time you complete a quote, but a few must be specially asked for before you get the savings.

  • Defensive Driver – Taking part in a defensive driving course could save 5% or more if your company offers it.
  • Accident Waiver – Some insurance companies permit an accident before raising your premiums if your claims history is clear for a certain period of time.
  • Safe Drivers – Safe drivers can get discounts for up to 45% lower rates for Durango coverage than drivers with accidents.
  • Paperless Signup – Certain companies will discount your bill up to fifty bucks just for signing your application on their website.
  • Air Bag Discount – Factory air bags and/or automatic seat belt systems may earn rate discounts up to 30%.
  • Drive Less and Save – Fewer annual miles on your Dodge can qualify you for better rates on cars that stay parked.

Keep in mind that most of the big mark downs will not be given to the overall cost of the policy. Most only reduce specific coverage prices like liability, collision or medical payments. So when the math indicates all those discounts means the company will pay you, you’re out of luck. But all discounts will reduce the cost of coverage.

To see a list of providers with discount insurance rates, follow this link.

When should I use an insurance agent?

When it comes to buying adequate coverage, there really is no best way to insure your cars. Your needs are not the same as everyone else’s and a cookie cutter policy won’t apply. For instance, these questions may help highlight whether you might need professional guidance.

  • I don’t drive much so do I pay less?
  • Do I need special endorsements for business use of my vehicle?
  • Should I have combined single limit or split liability limits?
  • Will my rates increase for filing one claim?
  • Is business equipment covered while in my vehicle?
  • Am I covered if hit by an uninsured driver?
  • Does coverage extend to my business vehicle?
  • When should I drop full coverage on my 1999 Dodge Durango?
  • Why is insurance for a teen driver so high?

If it’s difficult to answer those questions but you think they might apply to your situation, you might consider talking to a licensed insurance agent. To find lower rates from a local agent, fill out this quick form or you can go here for a list of companies in your area.

Educate yourself about insurance coverages

Knowing the specifics of your insurance policy helps when choosing the right coverages and proper limits and deductibles. Policy terminology can be impossible to understand and nobody wants to actually read their policy. Shown next are typical coverages offered by insurance companies.

Uninsured or underinsured coverage

Your UM/UIM coverage provides protection when other motorists are uninsured or don’t have enough coverage. It can pay for injuries sustained by your vehicle’s occupants and damage to your Dodge Durango.

Because many people carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is very important. Most of the time these limits are similar to your liability insurance amounts.

Medical expense coverage

Coverage for medical payments and/or PIP reimburse you for expenses for dental work, prosthetic devices, nursing services, rehabilitation expenses and X-ray expenses. The coverages can be used to fill the gap from your health insurance program or if there is no health insurance coverage. Coverage applies to not only the driver but also the vehicle occupants as well as getting struck while a pedestrian. Personal injury protection coverage is not an option in every state but can be used in place of medical payments coverage

Auto liability

This coverage will cover damage that occurs to other’s property or people. It protects you against other people’s claims, and doesn’t cover damage to your own property or vehicle.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. Your policy might show values of 50/100/50 which means $50,000 in coverage for each person’s injuries, a total of $100,000 of bodily injury coverage per accident, and $50,000 of coverage for damaged property. Alternatively, you may have one number which is a combined single limit which provides one coverage limit and claims can be made without the split limit restrictions.

Liability coverage protects against things like emergency aid, repair bills for other people’s vehicles and bail bonds. The amount of liability coverage you purchase is a decision to put some thought into, but you should buy as high a limit as you can afford.

Collision protection

Collision coverage pays for damage to your Durango caused by collision with another car or object. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for things like colliding with a tree, sideswiping another vehicle, scraping a guard rail, damaging your car on a curb and rolling your car. Collision is rather expensive coverage, so consider dropping it from vehicles that are older. Another option is to bump up the deductible to bring the cost down.

Comprehensive protection

Comprehensive insurance pays for damage from a wide range of events other than collision. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive coverage pays for things such as hitting a bird, hail damage and hitting a deer. The maximum amount you’ll receive from a claim is the actual cash value, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Better coverage you can count on

Cheaper 1999 Dodge Durango insurance is definitely available from both online companies in addition to many insurance agents, and you need to comparison shop both to get a complete price analysis. Some insurance coverage companies do not provide online price quotes and usually these regional insurance providers provide coverage only through local independent agents.

You just learned a lot of tips how to compare insurance prices online. It’s most important to understand that the more providers you compare, the better likelihood of reducing your rate. Consumers could even find that the lowest premiums are with the least-expected company. These smaller insurers often have lower prices on specific markets as compared to the big name companies such as State Farm or Progressive.

Additional insurance coverage information is available on the following sites:

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