2002 Dodge Durango Car Insurance Rates

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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: Nov 23, 2017

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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

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