2016 Dodge Durango Car Insurance Quotes 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: May 24, 2024

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Nobody that owns a car gets a kick out of paying for auto insurance, in particular when their premiums are through the roof.

Many auto insurance companies compete for your hard-earned dollar, so it can be very hard to choose a insurer to find the lowest price

It’s a good idea to take a look at other company’s rates before your next renewal because insurance prices change regularly. Even if you think you had the best deal on Durango coverage six months ago you will most likely find a better rate today. There is a lot of wrong information about auto insurance out there, but I’m going to show you some of the best ways to slash your auto insurance rates.

Cheaper insurance coverage quotes with discounts

Insurance can be prohibitively expensive, but there could be available discounts that can help lower your rates. Larger premium reductions will be automatically applied at the time of purchase, but a few need to be asked for before you get the savings.

  • College Student Discount – Youth drivers living away from home attending college and do not have access to a covered vehicle may be insured at a cheaper rate.
  • Braking Control Discount – Cars and trucks that have steering control and anti-lock brakes can avoid accidents so companies give up to a 10% discount.
  • Passenger Safety Discount – Vehicles equipped with air bags or automatic seat belts can get savings of 20 to 30 percent.
  • Professional Memberships – Participating in a civic or occupational organization could qualify you for a break when shopping for insurance coverage.
  • New Vehicle Savings – Buying insurance on a new vehicle can save you some money compared to insuring an older model.

Please keep in mind that most discount credits are not given to all coverage premiums. Some only apply to the price of certain insurance coverages like comprehensive or collision. So when the math indicates it’s possible to get free car insurance, it just doesn’t work that way.

A few popular companies and their possible discounts can be read below.

  • GEICO may include discounts for good student, driver training, defensive driver, multi-vehicle, seat belt use, emergency military deployment, and federal employee.
  • Mercury Insurance has savings for ease of repair, type of vehicle, location of vehicle, age of vehicle, and good student.
  • Farmers Insurance offers discounts including pay in full, distant student, business and professional, switch companies, bundle discounts, and early shopping.
  • Auto-Owners Insurance may have discounts that include group or association, teen driver, mature driver, anti-theft, anti-lock brakes, multi-policy, and student away at school.
  • Liberty Mutual offers premium reductions for new vehicle discount, preferred payment discount, multi-policy, new move discount, and hybrid vehicle.
  • SAFECO may offer discounts for multi-car, teen safety rewards, teen safe driver, bundle discounts, and homeowner.
  • Progressive discounts include online signing, multi-vehicle, continuous coverage, multi-policy, homeowner, good student, and online quote discount.
  • USAA includes discounts for safe driver, multi-vehicle, defensive driver, new vehicle, multi-policy, annual mileage, and military installation.

Before buying, ask each company or agent how many discounts you can get. Some of the discounts discussed earlier might not be offered on policies everywhere. For a list of providers who offer cheap insurance coverage quotes, enter your zip code here.

How much is auto insurance?

Performing a rate comparison can be challenging if you don’t utilize the most efficient way to do it. You could waste time driving to insurance companies in your area, or you can stay home and use the web for quick rates.

Many of the larger companies participate in a marketplace that allows shoppers to submit one quote, and each company returns a rated price based on that data. This eliminates the need for quote requests for every auto insurance company.

To compare rates now enter your zip code here.

The only drawback to pricing coverage this way is buyers cannot specifically choose the insurers you will receive quotes from. If you wish to select from a list of companies to receive pricing from, we have assembled a list of companies who write auto insurance in your area. Click to enter zip code for insurance companies.

However you get your quotes, do your best to use exactly the same coverage limits and deductibles with every price quote. If you have different deductibles you will not be able to get a fair rate comparison. Quoting even small variations in insurance coverages or limits could throw off the whole comparison. Just keep in mind that getting more free quotes gives you a better chance of getting the best rates.

Lower your insurance prices

Many different elements are taken into consideration when you quote your car insurance policy. Some of the criteria are obvious like your driving record, although some other factors are more obscure like your vehicle usage or your vehicle rating.

The following are some of the factors that factor into rates.

  • Discounts for multiple policies – Most insurance companies allow discounts to insureds who have multiple policies with them. It’s known as a multi-policy discount. Even if you’re getting this discount you still need to check prices from other companies to help ensure you have the lowest rates. Drivers may still find better rates by buying from different companies.
  • Extra policy coverages can cost a lot – Insurance policies have a lot of extra coverages that you can buy if you aren’t diligent. Coverages for replacement cost coverage, towing coverage, and membership fees may not be needed and are just wasting money. You may think they are a good idea when deciding what coverages you need, but if you have no use for them consider taking them off your policy.
  • Why do you need liability coverage? – Liability coverage is the coverage that protects you in the event that you are determined to be liable for physical damage or personal injury to other. It will provide you with a defense in court to defend your case. This coverage is relatively inexpensive compared to other policy coverages, so do not skimp.
  • Always have car insurance – Having a gap between insurance policy dates is a fast way to drive up your policy premiums. In addition to paying higher rates, being ticketed for driving with no insurance might get you fines or a revoked license.
  • Lower mileage equals lower premium – The higher the mileage driven in a year the higher your rate. Most insurance companies calculate prices based on how the vehicle is used. Autos used primarily for pleasure use can get a lower rate than vehicles that have high annual mileage. An incorrectly rated Durango may be wasting your money. It’s a good idea to make sure your policy shows the correct usage, because improper ratings can cost you money.

Tailor your insurance coverage to you

When it comes to choosing the best insurance coverage, there really is no “best” method to buy coverage. Each situation is unique so your insurance needs to address that. Here are some questions about coverages that might help in determining if your situation might need professional guidance.

  • What are the best liability limits?
  • Do I need roadside assistance coverage?
  • Am I covered if I wreck a rental car?
  • Should I buy more coverage than the required minimum liability coverage?
  • Which companies will insure high-risk drivers?
  • Do I need replacement cost coverage?
  • Do all my vehicles need collision coverage?
  • Do I need replacement cost coverage on my 2016 Dodge Durango?
  • Do I really need UM/UIM coverage?

If you don’t know the answers to these questions but you know they apply to you then you might want to talk to a licensed insurance agent. To find an agent in your area, simply complete your zip code.

Insurance coverages 101

Learning about specific coverages of a insurance policy aids in choosing the best coverages at the best deductibles and correct limits. Insurance terms can be ambiguous and nobody wants to actually read their policy. Shown next are the usual coverages offered by insurance companies.

Comprehensive (Other than Collision)

This pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. A deductible will apply then your comprehensive coverage will pay.

Comprehensive insurance covers things such as damage from flooding, hail damage and a broken windshield. The maximum amount you’ll receive from a claim is the ACV or actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Protection from uninsured/underinsured drivers

Uninsured or Underinsured Motorist coverage gives you protection when other motorists are uninsured or don’t have enough coverage. Covered claims include injuries to you and your family and damage to your Dodge Durango.

Because many people only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is important protection for you and your family.

Collision coverage

Collision coverage covers damage to your Durango caused by collision with another car or object. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision coverage pays for claims such as colliding with a tree, hitting a parking meter, crashing into a building and sustaining damage from a pot hole. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Drivers also have the option to bump up the deductible to bring the cost down.

Liability coverage

Liability coverage protects you from damage that occurs to other’s property or people that is your fault. It protects you from claims by other people. Liability doesn’t cover damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see liability limits of 100/300/100 that means you have a $100,000 limit per person for injuries, a limit of $300,000 in injury protection per accident, and a limit of $100,000 paid for damaged property.

Liability insurance covers claims like medical expenses, attorney fees, pain and suffering, loss of income and funeral expenses. How much liability coverage do you need? That is up to you, but consider buying higher limits if possible.

Medical expense insurance

Coverage for medical payments and/or PIP provide coverage for short-term medical expenses for hospital visits, surgery, doctor visits and nursing services. They can be used to fill the gap from your health insurance plan or if you do not have health coverage. It covers you and your occupants and also covers getting struck while a pedestrian. PIP coverage is not universally available and gives slightly broader coverage than med pay

Quote more. Save more.

When you buy insurance coverage online, you should never skimp on coverage in order to save money. There have been many cases where an insured dropped comprehensive coverage or liability limits to discover at claim time they didn’t have enough coverage. Your goal is to find the BEST coverage for the lowest price, but do not sacrifice coverage to save money.

Cheaper insurance is available from both online companies and also from your neighborhood agents, so you should be comparing quotes from both to get a complete price analysis. Some insurance companies don’t offer rates over the internet and most of the time these small, regional companies sell through local independent agencies.

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