Cheapest 2013 Dodge Durango Insurance Rates in 2023
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UPDATED: Sep 2, 2022
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Scraping up a payment for overpriced Dodge Durango insurance can overdraw your savings account and force you to make sacrifices. Comparing price quotes is free and is an excellent way to help make ends meet. You have so many insurers to buy insurance from, and though it is a good thing to be able to choose, having more auto insurance companies makes it harder to find a good deal.
Choosing the best insurance company for you is not that difficult. If you have a policy now or are just looking to switch companies, you can follow these tips to find better prices while maintaining coverages. Vehicle owners only need to know the most efficient way to get comparison rates on the web.
Cut your premium with these six discounts
Companies that sell car insurance don’t always list every discount very clearly, so here is a list some of the best known and the harder-to-find ways to save on auto insurance. If you’re not getting every credit you qualify for, you’re paying more than you need to.
- Discounts for Safe Drivers – Drivers who don’t get into accidents may save up to 50% more on Durango insurance than drivers with accidents.
- Save with a New Car – Insuring a new car can save up to 30% due to better safety requirements for new cars.
- Senior Citizens – Older drivers may qualify for reduced rates on Durango insurance.
- Life Insurance Discount – Companies who offer life insurance give a discount if you purchase auto and life insurance together.
- Club Memberships – Participating in a qualifying organization could trigger savings when shopping for auto insurance on Durango insurance.
- Use Seat Belts – Drivers who require all occupants to use a seat belt could save 15% on the medical payments or PIP coverage costs.
A little note about advertised discounts, most credits do not apply to the entire cost. A few only apply to the price of certain insurance coverages like comp or med pay. So even though they make it sound like all the discounts add up to a free policy, companies wouldn’t make money that way.
Car insurance companies that may have some of the above discounts are:
It’s a good idea to ask each company what discounts are available to you. Discounts may not apply in every state.
What is the best insurance coverage?
When buying the best auto insurance coverage, there is no perfect coverage plan. Everyone’s situation is a little different and a cookie cutter policy won’t apply. Here are some questions about coverages that might help in determining if your insurance needs will benefit from professional help.
- Should I bundle my homeowners policy with my auto?
- Will my rates increase for filing one claim?
- Is my state a no-fault state?
- Does coverage extend to a rental car in a foreign country?
- Will filing a claim cost me more?
- Is motorclub coverage worth it?
- Are there companies who specialize in insuring high-risk drivers?
- How can I find cheaper teen driver insurance?
If you’re not sure about those questions but you know they apply to you then you might want to talk to a licensed agent. If you want to speak to an agent in your area, take a second and complete this form or you can also visit this page to select a carrier It’s fast, doesn’t cost anything and may give you better protection.
Detailed coverages of your insurance policy
Understanding the coverages of your policy can help you determine appropriate coverage for your vehicles. The terms used in a policy can be confusing and nobody wants to actually read their policy. These are the normal coverages found on most insurance policies.
Medical payments and PIP coverage – Coverage for medical payments and/or PIP kick in for immediate expenses like chiropractic care, rehabilitation expenses, surgery and dental work. They are used in conjunction with a health insurance policy or if there is no health insurance coverage. They cover all vehicle occupants as well as getting struck while a pedestrian. PIP coverage is not universally available but it provides additional coverages not offered by medical payments coverage
Comprehensive auto coverage – Comprehensive insurance coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first have to pay a deductible then your comprehensive coverage will pay.
Comprehensive coverage pays for things such as damage from flooding, damage from getting keyed, rock chips in glass, hitting a bird and vandalism. The most your insurance company will pay is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.
UM/UIM (Uninsured/Underinsured Motorist) coverage – Uninsured or Underinsured Motorist coverage protects you and your vehicle when the “other guys” either have no liability insurance or not enough. Covered claims include hospital bills for your injuries and also any damage incurred to your 2013 Dodge Durango.
Because many people have only the minimum liability required by law, their limits can quickly be used up. This is the reason having UM/UIM coverage is a good idea.
Collision coverages – Collision coverage pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. You first must pay a deductible then your collision coverage will kick in.
Collision coverage pays for claims such as hitting a mailbox, backing into a parked car and scraping a guard rail. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are 8 years or older. Another option is to choose a higher deductible to bring the cost down.
Coverage for liability – This can cover damage that occurs to other people or property by causing an accident. Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. Your policy might show liability limits of 50/100/50 which stand for a limit of $50,000 per injured person, a per accident bodily injury limit of $100,000, and a total limit of $50,000 for damage to vehicles and property.
Liability coverage protects against things like loss of income, pain and suffering, repair bills for other people’s vehicles and repair costs for stationary objects. How much liability coverage do you need? That is a decision to put some thought into, but you should buy as large an amount as possible.
Better coverage you can count on
Throughout this article, we presented a lot of techniques to get a better price on 2013 Dodge Durango insurance. It’s most important to understand that the more rate quotes you have, the higher the chance of saving money. You may even discover the lowest premiums are with some of the smallest insurance companies. Smaller companies may cover specific market segments cheaper than the large multi-state companies such as GEICO and State Farm.
Cost effective insurance is attainable both online as well as from independent agents, and you should be comparing both so you have a total pricing picture. Some companies don’t offer online quoting and usually these small insurance companies provide coverage only through local independent agents.
For more information, take a look at the articles below:
- Can I Drive Legally without Insurance? (Insurance Information Insitute)
- Teen Driver Licensing Information (iihs.org)
- Speed and Speed Limit FAQ (iihs.org)
- Auto Insurance FAQ (Farmers Insurance)
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