Cheapest 2002 Dodge Durango Insurance Rates in 2024

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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 2, 2023

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Saving money on insurance can be nearly impossible for consumers new to comparing rates online. Drivers have so many companies to choose from that it can quickly become a real challenge to find the best price.

The fastest way that we advise to compare insurance rates from multiple companies utilizes the fact most larger insurance companies have advanced systems to provide you with free rate quotes. To start a quote, the only thing you need to do is provide details like your education level, whether you drive to work or school, the ages of drivers, and the type of vehicles you drive. That rating data is sent automatically to multiple top-rated companies and they return cost estimate within a short period of time.

Your personal situation dictates your coverage

When it comes to buying adequate coverage for your personal vehicles, there really is not a one size fits all plan. Your needs are not the same as everyone else’s.

For example, these questions might point out if your insurance needs might need an agent’s assistance.

  • Do I need more liability coverage?
  • Am I covered when pulling a rental trailer?
  • Are split liability limits better than a combined single limit?
  • Am I covered if I hit a deer?
  • Does my policy cover me when driving someone else’s vehicle?
  • Is my cargo covered for damage or theft?

If you’re not sure about those questions but you think they might apply to your situation, you may need to chat with a licensed insurance agent. If you don’t have a local agent, complete this form.

Auto insurance coverages 101

Having a good grasp of auto insurance can help you determine the best coverages at the best deductibles and correct limits. The terms used in a policy can be difficult to understand and reading a policy is terribly boring.

Liability coverages

This coverage provides protection from damage or injury you incur to other’s property or people. It protects you against claims from other people. Liability doesn’t cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have values of 100/300/100 which means a limit of $100,000 per injured person, a limit of $300,000 in injury protection per accident, and $100,000 of coverage for damaged property.

Liability coverage protects against claims like pain and suffering, repair costs for stationary objects and medical expenses. The amount of liability coverage you purchase is up to you, but it’s cheap coverage so purchase as large an amount as possible.

UM/UIM Coverage

This provides protection 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.

Since many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage is important protection for you and your family.

Comprehensive or Other Than Collision

Comprehensive insurance coverage pays to fix your vehicle from damage from a wide range of events other than collision. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers things like theft, fire damage and falling objects. The highest amount your auto 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.

Collision protection

Collision coverage covers damage to your Durango from colliding with an object or car. A deductible applies and then insurance will cover the remainder.

Collision insurance covers claims like driving through your garage door, crashing into a ditch, sideswiping another vehicle and damaging your car on a curb. Paying for collision coverage can be pricey, so consider dropping it from older vehicles. You can also increase the deductible to bring the cost down.

Medical costs insurance

Personal Injury Protection (PIP) and medical payments coverage pay for short-term medical expenses like nursing services, doctor visits and rehabilitation expenses. They are often used to fill the gap from your health insurance program or if there is no health insurance coverage. They cover all vehicle occupants in addition to being hit by a car walking across the street. Personal Injury Protection is not available in all states and gives slightly broader coverage than med pay

Frequently Asked Questions

How can I find the cheapest insurance rates for my 2002 Dodge Durango?

To find the cheapest insurance rates for your 2002 Dodge Durango, you can use online tools that provide free rate quotes from multiple companies. Simply enter your ZIP code and provide the requested information, such as your education level, driving habits, and vehicle details. The tool will then send your information to various top-rated insurance companies, and you’ll receive cost estimates in a short period of time.

Should I consult an insurance agent to determine my coverage needs?

When it comes to buying insurance coverage for your personal vehicles, there is no one-size-fits-all plan. Your insurance needs may differ from others. If you’re unsure about your coverage requirements, it can be beneficial to consult a licensed insurance agent. They can assess your specific situation and help you determine the appropriate coverage options for your needs. If you don’t have a local agent, you can complete a form to connect with an agent.

What are the different types of auto insurance coverages?

Auto insurance coverages can be complex, but understanding the basics can help you make informed decisions. Here are some common coverage types:

  • Liability Coverage: This protects you from damage or injury you cause to others. It includes three limits: per person bodily injury, per accident bodily injury, and property damage.
  • UM/UIM Coverage: This provides protection when the other party involved in an accident is underinsured or has no liability coverage. It covers medical payments and vehicle damage.
  • Comprehensive Coverage: This pays for damage to your vehicle from events other than collision, such as theft, fire, or falling objects.
  • Collision Coverage: This covers damage to your Durango resulting from colliding with another object or vehicle.
  • Medical Payments Coverage: Also known as Personal Injury Protection (PIP), it covers short-term medical expenses for you and your passengers.

How much liability coverage should I purchase?

The amount of liability coverage you should purchase depends on your individual circumstances. While it’s ultimately your decision, it’s recommended to buy as much liability coverage as possible. Adequate liability coverage can protect you from substantial financial losses in case of an accident. Discussing your specific needs with an insurance agent can help you determine the appropriate coverage amount.

What is the purpose of Personal Injury Protection (PIP) or Medical Payments Coverage?

PIP or Medical Payments Coverage helps cover short-term medical expenses resulting from an accident. It can include costs for nursing services, doctor visits, and rehabilitation expenses. These coverages can fill gaps in your health insurance or provide additional coverage if you don’t have health insurance. However, it’s important to note that PIP is not available in all states.

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