2017 Dodge Durango Car Insurance Rates – 10 Policy Discounts

Want cheaper insurance rates for your Dodge Durango? I really doubt anyone looks forward to buying insurance, especially knowing their premiums are through the roof.

Online insurance companies like Allstate, Progressive and GEICO increase brand awareness with TV and radio ads and consumers find it hard to see through the cute green geckos and mayhem and take the time to shop coverage around.

Consumers need to compare rates before your next renewal due to the fact that insurance prices change frequently. Just because you had the lowest price on Durango coverage a couple years back the chances are good that you can find a lower rate today. Ignore everything you know about insurance because we’re going to demonstrate how to use the internet to properly buy coverages while reducing your premium.

If you currently have car insurance, you stand a good chance to be able to save some money using this strategy. Finding the best rates is easy if you know what you’re doing. But vehicle owners must comprehend how big insurance companies sell online because it can help you find the best coverage.

Insurance rates and discounts

Companies offering auto insurance don’t always publicize the entire discount list in a way that’s easy to find, so we took the time to find a few of the more well known and the harder-to-find savings tricks you should be using when you buy insurance online.

  • Seat Belts Save more than Lives – Using a seat belt and requiring all passengers to buckle their seat belts can save a little off the medical payments premium.
  • Bundle and Save – When you combine your auto and homeowners insurance with one company you may save up to 20% and get you low cost insurance.
  • No Claims – Drivers with accident-free driving histories have much lower rates when compared to drivers with a long claim history.
  • Anti-lock Brake System – Cars and trucks that have anti-lock braking systems can stop better under adverse conditions and therefore earn up to a 10% discount.
  • Senior Citizens – If you’re over the age of 55, you may qualify for lower premium rates on Durango coverage.
  • Multi-line Discount – Some insurance carriers give a break if you buy life insurance from them.
  • College Student – Kids who are attending college and do not take a car to college could get you a discount.
  • Passive Restraint Discount – Vehicles equipped with air bags could see savings of 20% or more.
  • Savings for New Vehicles – Putting insurance on a new car can save up to 30% since newer models are generally safer.
  • Defensive Driver Discounts – Completing a course teaching defensive driving skills could possibly earn you a 5% discount if you qualify.

Policy discounts save money, but many deductions do not apply to your bottom line cost. The majority will only reduce individual premiums such as liability and collision coverage. If you do the math and it seems like it’s possible to get free car insurance, you won’t be that lucky.

A list of companies and some of their more popular discounts are outlined below.

  • Progressive has discounts for homeowner, continuous coverage, multi-vehicle, good student, and multi-policy.
  • SAFECO may offer discounts for safe driver, anti-lock brakes, multi-car, drive less, accident prevention training, and teen safety rewards.
  • American Family includes discounts for accident-free, mySafetyValet, defensive driver, Steer into Savings, and bundled insurance.
  • MetLife may include discounts for claim-free, defensive driver, good student, good driver, accident-free, and multi-policy.
  • GEICO policyholders can earn discounts including five-year accident-free, seat belt use, membership and employees, driver training, multi-policy, anti-lock brakes, and good student.
  • The Hartford offers discounts including vehicle fuel type, defensive driver, air bag, driver training, anti-theft, bundle, and good student.

It’s a good idea to ask every prospective company how you can save money. Some of the discounts discussed earlier may not apply in every state. To view providers who offer free insurance quotes, follow this link.

Quote insurance coverage online

To get affordable insurance quotes, there a variety of ways to compare quotes from many available insurance coverage companies in your state. The easiest way to find affordable 2017 Dodge Durango insurance rates is to get quotes online. It’s really quite simple and can be done in a couple of different ways.

The simplest way to find low rates would be an industry-wide quote request form click to view form in new window. This easy form saves time by eliminating multiple quote forms for every prospective company. Taking the time to complete one form gets insurance cost estimates instantly.

A harder way to analyze rates requires a trip to the website for every company you want to comare to request a price quote. For examples sake, let’s assume you want rates from Nationwide, 21st Century and Progressive. To find out each rate you need to spend time going to each site individually and repeatedly enter your information, and that’s why the first method is more popular.

To view a list of companies in your area, click here.

The least recommended method to find cheaper rates to different agent offices. The fact that you can get quotes online eliminates this option unless you want the advice and guidance of a local agent. However, consumers can comparison shop online but have your policy serviced through an agent.

You can choose any of those ways to find more affodable coverage, but try to use apples-to-apples quote data on every quote you get. If you compare differing limits it’s impossible to decipher which rate is best. Just slight variations in limits could skew the results. Just keep in mind that comparing a large number of companies increases your odds of finding more affordable rates.

Situations that may require an agent’s advice

When it comes to buying the right insurance coverage, there is no best way to insure your cars. Every insured’s situation is different so your insurance needs to address that. Here are some questions about coverages that might point out if you may require specific advice.

  • What can I do if my company denied a claim?
  • Does liability extend to a camper or trailer?
  • Does my policy pay for OEM or aftermarket parts?
  • Who is covered when they drive my 2017 Dodge Durango?
  • Do I have coverage when making deliveries for my home business?
  • Should I have combined single limit or split liability limits?
  • Is my teen driver covered when they drive my company car?
  • Should I carry comprehensive and collision coverage?
  • When can my company non-renew my policy?
  • What is the difference between comprehensive and collision coverage?

If you’re not sure about those questions but one or more may apply to you, you might consider talking to a licensed agent. To find lower rates from a local agent, complete this form or you can also visit this page to select a carrier

Educate yourself about insurance coverages

Knowing the specifics of insurance can be of help when determining the right coverages and the correct deductibles and limits. The coverage terms in a policy can be confusing and nobody wants to actually read their policy. Shown next are typical coverages found on the average insurance policy.

Liability coverage – Liability insurance protects you from damage or injury you incur to other’s property or people by causing an accident. Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show liability limits of 100/300/100 which stand for $100,000 in coverage for each person’s injuries, a per accident bodily injury limit of $300,000, and a total limit of $100,000 for damage to vehicles and property.

Liability coverage protects against claims like medical expenses, court costs, attorney fees and pain and suffering. How much liability coverage do you need? That is a decision to put some thought into, but consider buying as high a limit as you can afford.

Comprehensive coverages – This coverage covers damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive coverage protects against claims like a broken windshield, damage from flooding and fire damage. The maximum amount your insurance company will pay is the market value of your vehicle, so if the vehicle’s value is low consider dropping full coverage.

Coverage for medical payments – Personal Injury Protection (PIP) and medical payments coverage reimburse you for immediate expenses such as rehabilitation expenses, nursing services and hospital visits. They are often used to cover expenses not covered by your health insurance plan or if you are not covered by health insurance. They cover all vehicle occupants and also covers if you are hit as a while walking down the street. Personal Injury Protection is not universally available but it provides additional coverages not offered by medical payments coverage

Collision – This covers damage to your Durango caused by collision with another car or object. A deductible applies and then insurance will cover the remainder.

Collision can pay for claims such as crashing into a building, backing into a parked car, hitting a parking meter and damaging your car on a curb. Paying for collision coverage can be pricey, so you might think about dropping it from vehicles that are 8 years or older. Another option is to choose a higher deductible to save money on collision insurance.

Uninsured and underinsured coverage – This provides protection from other motorists when they either have no liability insurance or not enough. It can pay for injuries sustained by your vehicle’s occupants as well as damage to your Dodge Durango.

Due to the fact that many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is a good idea.

More quotes mean more savings

More affordable insurance coverage can be found on the web in addition to local insurance agencies, so you should compare both to get a complete price analysis. A few companies may not have rates over the internet and usually these smaller companies prefer to sell through independent agents.

In this article, we covered many ways to shop for 2017 Dodge Durango insurance online. The key thing to remember is the more rate comparisons you have, the better your chances of lowering your rates. You may be surprised to find that the biggest savings come from a company that doesn’t do a lot of advertising. These companies may have significantly lower rates on certain market segments as compared to the big name companies such as State Farm or Progressive.

Much more information about insurance coverage is available below:

Comments About 2017 Dodge Durango Insurance

  1. Fabiola Weeks

    Does Progressive settle claims fairly?

  2. Theressa Buckley

    Here’s my quote info. Proud to be from Birmingham, Alabama. I quoted with American Family, Safeco, and a few others for my 2017 Dodge Durango and cut my rates about $160 a year. Insured with Allstate before. Even increased coverage a bit.

  3. Manda Hodge

    Good detail in your article. From east side of Warwick, RI. Got car insurance rates from State Farm, AIG Insurance, and Erie for my Durango and I think I cut my rates about $40 each month. Was with Encompass. My new agent seems to be really good. They were helpful in switching over.

  4. Lakendra Stokes

    I found pretty cheap rate quotes for a 2017 Dodge Durango in Detroit, MI. Ended up at about $270 every six months with AAA.

  5. Ivette Vincent

    Found cheapest coverage with AAA for my Dodge and saved about $440 a year.

  6. Priscilla Velasquez

    Cheaper car insurance is a myth. From Burlington, VT. Quoted with AAA, Safeco, and some smaller one I can’t remember the name of for my 2017 Dodge Durango and saved just over $230 a year.

  7. Juan Caldwell

    Any 21st Century or Farmers customers near Detroit, MI?

  8. Elida Wilder

    I compared a lot of rate quotes for a 2017 Dodge Durango in Green Bay, WI. Ended up at about $260 every six months with Auto-Owners. Was with AIG Insurance. I used their online quote form to compare rates.

  9. Marlyn Moody

    Does Progressive insure at replacement cost?

  10. Ashely Kim

    Does Progressive insure after a DUI?

  11. Trevor Puckett

    I’ve bought from Allstate forever. Cheapest rates in Rochester, New York.

  12. Mahalia Mason

    In Jersey City, NJ, Amica had the best rates for my 2017 Dodge Durango.

  13. Dorothea Dillon

    I live on the north side of Hartford, CT. Quoted quotes from AAA, Safeco, and some smaller one I can’t remember the name of for my Dodge and saved just over $230 a year. Not sure if rates are cheaper online or through an agent.

  14. Brett Weaver

    Anyone buy from Auto-Owners? I’m in Montgomery, Alabama.

  15. Geneva Rosario

    Affordable car insurance is a myth. I live just outside Columbus, GA. Got car insurance quotes from USAA, Amica, Liberty Mutual, and Nationwide for my Durango and I’m now saving $43 a month. Insured with State Farm before. I even had a DUI years ago. I got prices on the web.