2023 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: May 24, 2024

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Being forced to pay for overpriced insurance coverage premiums can deplete your savings account and possibly require you to analyze your spending habits. Comparing price quotes is a smart way to tighten up your finances.

Insurance companies such as State Farm, Allstate, GEICO and Progressive promote their brand names with advertising and it can be hard to avoid their marketing magic and do the work needed to find the best deal.

It’s smart to do rate comparisons as often as possible because rates change regularly. Just because you found the best premium rates on Durango coverage a few years ago there may be better deals available now. Forget anything you know (or think you know) about insurance coverage because I’m going to let you in on the secrets to the fastest and easiest way to find great coverage at a great price.

If you are insured now or are shopping for new coverage, you can follow these tips to reduce the price you pay while maximizing coverage. Finding affordable coverage is easy if you know what you’re doing. Vehicle owners only need an understanding of the proper methods to compare price quotes online.

Do you qualify for discounts?

Companies don’t always advertise the complete list of policy discounts very clearly, so the next list breaks down a few of the more well known and also the more inconspicuous discounts that you can inquire about if you buy car insurance online.

  • Pay Now and Pay Less – If paying your policy premium upfront rather than spreading payments over time you can avoid monthly service charges.
  • Low Miles Discount – Driving less may enable drivers to earn lower premium rates due to less chance of an accident.
  • Discounts for Good Drivers – Drivers who don’t get into accidents can pay as much as 50% less on Durango coverage than their less cautious counterparts.
  • Distant Student Discount – who are enrolled in a college that is more than 100 miles from home and do not have a car may qualify for this discount.
  • Active Military Service – Being on active deployment in the military could qualify you for better prices.
  • Student Discount for Driver Training – Have your child take driver’s ed class in school or through a local driver safety program.
  • Safety Course Discount – Completing a driver safety course could possibly earn you a 5% discount if your company offers it.
  • New Vehicle Savings – Putting insurance coverage on a new car is cheaper because new vehicles have to meet stringent safety requirements.
  • Discount for Good Grades – A discount for being a good student could provide a savings of up to 20% or more. Most companies allow this discount until age 25.
  • Discount for Home Ownership – Owning your own home or condo can save you money because maintaining a house shows financial diligence.

As is typical with insurance, some of the credits will not apply to the entire policy premium. Most only reduce specific coverage prices like liability, collision or medical payments. Even though it may seem like adding up those discounts means a free policy, you aren’t that lucky.

The best insurance companies and some of their more popular discounts are detailed below.

  • GEICO includes discounts for five-year accident-free, membership and employees, good student, emergency military deployment, air bags, and seat belt use.
  • MetLife offers discounts for defensive driver, multi-policy, accident-free, good driver, good student, and claim-free.
  • Progressive has savings for good student, homeowner, multi-policy, online quote discount, continuous coverage, and online signing.
  • Travelers may have discounts that include good student, student away at school, early quote, payment discounts, multi-car, and new car.
  • SAFECO may include discounts for multi-car, safe driver, anti-lock brakes, teen safety rewards, and teen safe driver.
  • AAA offers premium reductions for AAA membership discount, education and occupation, anti-theft, pay-in-full, and good driver.

If you need cheaper car insurance quotes, ask all companies you are considering what discounts are available to you. Savings may not be offered in your area. For a list of insurance companies that can offer you the previously mentioned discounts, enter your zip code here.

How do insurance companies determine Dodge Durango insurance costs?

It’s important that you understand a few of the rating criteria that play a part in calculating the level of your policy premiums. When you understand what impacts premium levels, this empowers consumers to make smart changes that will entitle you to much lower annual insurance costs.

The items below are some of the most common factors used by insurance companies to determine your premiums.

  • Eliminate unneeded extra policy coverages – Insurance policies have a lot of extra add-on coverages that can waste your money if you don’t pay attention. Coverages like roadside assistance, towing, and extra life insurance coverage are examples of these. These coverages may sound good when you first buy your policy, but if you’ve never needed them in the past get rid of them and save.
  • Discounts for married drivers – Having a spouse actually saves money on your policy. Having a spouse usually means you are more responsible it has been statistically shown that married drivers tend to have fewer serious accidents.
  • Vehicle features impact auto insurance rates – Choosing a vehicle with a theft deterrent system can earn a premium discount. Theft prevention features like LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system all aid in stopping car theft.
  • Careless driving means higher rates – Attentive drivers tend to pay less for car insurance than bad drivers. Only having one ticket can increase the cost of insurance by as much as thirty percent. Drivers who have careless violations like reckless driving or DUI may be required to complete a SR-22 to the state department of motor vehicles in order to drive a vehicle legally.

Don’t assume everyone needs the same insurance coverage

When it comes to buying proper insurance coverage, there is no perfect coverage plan. Everyone’s situation is unique so your insurance should reflect that Here are some questions about coverages that may help you determine whether you would benefit from an agent’s advice.

  • What is UM/UIM insurance?
  • Why is insurance for a teen driver so high?
  • Do I have any recourse if my insurance company denies a claim?
  • How much liability do I need to cover my assets?
  • Can my teen drive my company car?
  • Should I waive the damage coverage when renting a car?
  • When can my company non-renew my policy?
  • Are there companies who specialize in insuring high-risk drivers?

If you’re not sure about those questions, you may need to chat with an agent. If you don’t have a local agent, fill out your zip code. It’s fast, free and can help protect your family.

Insurance coverages 101

Learning about specific coverages of your insurance policy can be of help when determining the right coverages and proper limits and deductibles. The coverage terms in a policy can be confusing and reading a policy is terribly boring. Below you’ll find the normal coverages available from insurance companies.

Collision coverages – Collision insurance pays to fix your vehicle from damage resulting from colliding with another vehicle or an object, but not an animal. You have to pay a deductible and then insurance will cover the remainder.

Collision insurance covers claims such as crashing into a building, backing into a parked car and colliding with a tree. This coverage can be expensive, so analyze the benefit of dropping coverage from lower value vehicles. Another option is to increase the deductible to get cheaper collision coverage.

Uninsured and underinsured coverage – This protects you and your vehicle’s occupants when the “other guys” either have no liability insurance or not enough. It can pay for injuries sustained by your vehicle’s occupants and also any damage incurred to your Dodge Durango.

Since a lot of drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

Liability insurance – This protects you from damage that occurs to a person or their property. It protects YOU against other people’s claims, and doesn’t cover damage to your own property or vehicle.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have liability limits of 100/300/100 which means $100,000 bodily injury coverage, $300,000 for the entire accident, and $100,000 of coverage for damaged property.

Liability coverage protects against things such as repair bills for other people’s vehicles, pain and suffering, repair costs for stationary objects, court costs and loss of income. How much coverage you buy is your choice, but you should buy higher limits if possible.

Coverage for medical payments – Medical payments and Personal Injury Protection insurance kick in for immediate expenses for things like EMT expenses, doctor visits, prosthetic devices and dental work. They are often used to fill the gap from your health insurance program or if you are not covered by health insurance. They cover not only the driver but also the vehicle occupants as well as if you are hit as a while walking down the street. PIP coverage is not universally available but it provides additional coverages not offered by medical payments coverage

Comprehensive coverages – Comprehensive insurance coverage covers damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive coverage pays for things such as vandalism, damage from a tornado or hurricane, a tree branch falling on your vehicle, rock chips in glass and fire damage. The most your insurance company will pay is the ACV or actual cash value, so if it’s not worth much more than your deductible consider dropping full coverage.

And the best car insurance company is…

There are still a few companies who do not provide the ability to get quotes online and most of the time these smaller companies only sell coverage through independent agencies. Cheaper 2023 Dodge Durango insurance is definitely available online as well as from insurance agents, so you should be comparing quotes from both to have the best selection.

We’ve covered many ideas to reduce 2023 Dodge Durango insurance premium rates online. The most important thing to understand is the more you quote car insurance, the better your comparison will be. Drivers may discover the most savings is with a small local company. Some small companies may only write in your state and offer lower prices as compared to the big name companies such as State Farm or Progressive.

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