Cheap 2013 Dodge Durango Car Insurance Cost

Searching for lower insurance rates for your Dodge Durango? Have you fallen victim to high-priced insurance? You’re preaching to the choir because many consumers are feeling buyer’s remorse and feel like there’s no way out.

Companies like State Farm, Geico and Farmers Insurance promote their brand names with advertising and it is difficult to avoid their marketing magic and find the best price available.

How to lower your car insurance cost

Many insurance companies allow consumers to get pricing on the web. Doing online price comparisons is possible for anyone as you just type in your required coverages into a form. When the form is submitted, their rating system makes automated requests for reports for credit and driving violations and generates a price determined by many factors. This helps simplify price comparisons, but the time required to go to a lot of sites and complete many quote forms is a waste of time. But it’s very important to compare as many rates as possible in order to find a better rate.

Rate comparisons made easy

The quickest way to compare car insurance pricing makes use of a single form to get prices from a lot of companies. It saves time, reduces the work, and makes price shopping online much more efficient. After sending the form, it is rated and you can select your choice of the returned quotes. If one or more price quotes are lower than your current rates, you can click and sign and purchase the new policy. This process can be completed in less than 10 minutes and you will know how your current rates stack up.

If you want to get comparison pricing now, click here to open in a new tab and input your coverage information. If you currently have coverage, we recommend you input the insurance coverages as close as possible to your current policy. This helps ensure you will receive an apples-to-apples comparison for similar coverage.

Do you qualify for discount auto insurance?

Buying auto insurance is not cheap, but companies offer discounts that can dramatically reduce your bill. Some of these disounts will be visible when you quote, but some discounts are required to be specifically requested before they will apply.

• Switch and Save Discount – Select insurance companies give a discount for renewing your policy early. You may see this discount when you get car insurance quotes online.
• Resident Student – Any of your kids living away from home attending college and won’t have access to an insured vehicle could get you a discount.
• No Claim Discounts – Drivers who don’t have accidents pay much less as opposed to frequent claim filers.
• ABS and Traction Control Discounts – Vehicles with ABS and/or traction control prevent accidents and earn discounts up to 10%.
• Discount for Multiple Policies – If you have multiple policies with the same company you could get a discount of nearly 15% which can help you find the cheapest car insurance.
• Professional Memberships – Being in a qualifying organization could trigger savings when getting a car insurance quote.
• Employee of Federal Government – Employees or retirees of the government may qualify for a discount when you quote car insurance on Durango insurance depending on your company.

As is typical with insurance, most discounts do not apply the the whole policy. Most only reduce individual premiums such as medical payments or collision. If you do the math and it seems like all the discounts add up to a free policy, you won’t be that lucky.

If you would like to see a list of companies that have a full spectrum of discounts, click this link.

What insurance coverages do I need?

When choosing coverage for your personal vehicles, there isn’t really a best way to insure your cars. Everyone’s situation is unique and your policy should reflect that. For example, these questions might point out whether you will benefit from professional help.

• Is my state a no-fault state?
• How much liability insurance is required?
• Should I waive the damage coverage when renting a car?
• Does liability extend to a camper or trailer?
• Is a fancy paint job covered?
• What vehicles should carry emergency assistance coverage?
• Is motorclub coverage worth it?
• When can I cancel my policy?
• Do I have coverage for damage caused while driving under the influence?
• When should I drop full coverage on my 2013 Dodge Durango?

If you’re not sure about those questions but one or more may apply to you then you might want to talk to an insurance agent. If you don’t have a local agent, fill out this quick form or go to this page to view a list of companies.

Car insurance coverage considerations

Learning about specific coverages of car insurance aids in choosing the best coverages at the best deductibles and correct limits. The coverage terms in a policy can be difficult to understand and nobody wants to actually read their policy. These are the usual coverages found on most car insurance policies.

Comprehensive insurance – This coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive coverage protects against things such as fire damage, damage from a tornado or hurricane, theft, hail damage and vandalism. The highest amount your car insurance company will pay is the market value of your vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.

Liability coverages – This coverage will cover damage that occurs to other’s property or people. It protects YOU from legal claims by others. It does not cover damage to your own property or vehicle.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show policy limits of 100/300/100 which means a $100,000 limit per person for injuries, a limit of $300,000 in injury protection per accident, and property damage coverage for $100,000.

Liability coverage pays for things like funeral expenses, medical expenses and loss of income. How much coverage you buy is a personal decision, but buy as much as you can afford.

Med pay and Personal Injury Protection (PIP) – Medical payments and Personal Injury Protection insurance kick in for short-term medical expenses such as doctor visits, EMT expenses, chiropractic care and X-ray expenses. They are used to cover expenses not covered by your health insurance plan or if you lack health insurance entirely. Coverage applies to all vehicle occupants as well as any family member struck as a pedestrian. Personal Injury Protection is not universally available and gives slightly broader coverage than med pay

Collision coverages – This coverage will pay to fix damage to your Durango resulting from colliding with another car or object. You will need to pay your deductible and then insurance will cover the remainder.

Collision coverage protects against claims such as sustaining damage from a pot hole, colliding with another moving vehicle and colliding with a tree. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. You can also increase the deductible to save money on collision insurance.

Uninsured/Underinsured Motorist (UM/UIM) – Uninsured or Underinsured Motorist coverage provides protection when other motorists either have no liability insurance or not enough. This coverage pays for hospital bills for your injuries and damage to your Dodge Durango.

Because many people only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is important protection for you and your family.