Compare 2018 Dodge Durango Insurance Rates

Looking for lower insurance rates for your Dodge Durango? Are you regretting buying overpriced insurance? Don’t feel bad because many consumers are feeling buyer’s remorse and feel like there’s no way out. Many insurers compete for your hard-earned dollar, so it’s not easy to compare every insurance company to get the best rate

Smart consumers take time to quote other rates on a regular basis because prices go up and down regularly. If you had the lowest rate on Durango coverage a year ago you will most likely find a better premium rate today. There are a lot of ways to save on insurance out there, but you can learn some great ideas on how to save money.

More discounts mean affordable premiums

Some insurers do not advertise all possible discounts very well, so the list below contains both well-publicized in addition to some of the lesser obvious credits available to you.

  • Discount for Life Insurance – Some insurance coverage companies give lower rates if you buy life insurance.
  • Driver Training Discounts – Participating in a defensive driving course could cut 5% off your bill and also improve your driving technique.
  • Air Bag Discount – Factory air bags and/or automatic seat belt systems may qualify for discounts of 20% or more.
  • Distant Student Discount – College-age children who live away from home at college and won’t have access to an insured vehicle may be insured at a cheaper rate.
  • Sign Online – A few larger online companies provide a small discount for completing your application over the internet.
  • Club Memberships – Being a member of qualifying employment or professional organizations could qualify you for a break when shopping for insurance coverage.
  • Anti-lock Brake System – Vehicles with ABS and/or traction control are much safer to drive and earn discounts up to 10%.
  • Senior Citizen Discount – Drivers that qualify as senior citizens are able to get better insurance coverage rates on Durango coverage.
  • Theft Deterent System – Cars and trucks optioned with advanced anti-theft systems are less likely to be stolen and will save you 10% or more.

Consumers should know that some credits don’t apply to the entire cost. Some only reduce specific coverage prices like medical payments or collision. Despite the appearance that you would end up receiving a 100% discount, it doesn’t quite work that way. Any amount of discount will definitely reduce your overall premium however.

A list of companies and a partial list of their discounts are included below.

  • State Farm offers discounts for defensive driving training, multiple policy, Drive Safe & Save, driver’s education, safe vehicle, and student away at school.
  • Geico may have discounts that include membership and employees, multi-vehicle, anti-theft, anti-lock brakes, and federal employee.
  • Allstate policyholders can earn discounts including premier discount, good student, FullPay discount, good payer, 55 and retired, eSmart discount, and passive restraint.
  • SAFECO may offer discounts for bundle discounts, homeowner, teen safety rewards, anti-lock brakes, anti-theft, and teen safe driver.
  • Farm Bureau discounts include youthful driver, renewal discount, multi-vehicle, safe driver, and 55 and retired.
  • Progressive includes discounts for continuous coverage, online signing, multi-vehicle, good student, multi-policy, and homeowner.
  • AAA has savings for AAA membership discount, anti-theft, good student, multi-car, pay-in-full, and good driver.

If you are trying to find the cheapest insurance coverage quotes, ask each company which discounts they offer. Some discounts listed above might not be offered in your area. To locate insurers who offer cheap insurance coverage quotes, click this link.

How much does car insurance cost?

Most companies allow consumers to get price estimates direct online. Getting online quotes is easy for anyone as you just enter your personal and coverage information into the form. Upon sending the form, the company’s rating system will order your driving record and credit report and gives you a price quote based on the information you submitted. Online quotes helps simplify price comparisons, but having to visit each company’s website and repetitively type in the same information can be a bit tiresome and repetitive. But it is imperative to do this if you are searching for the best price possible.

There is an easier way!

A more efficient way to get multiple rate quotes utilizes a single form to get prices from several different companies. It saves time, eliminates form submissions, and makes online shopping much easier. After your information is entered, it is rated and you can select any of the returned quotes. If one or more price quotes are lower than your current rates, it’s easy to complete the application and buy the new coverage. This process just takes a couple of minutes and can result in significant savings.

To quickly find out what other companies charge, click here to open in new window and enter your information. If you have a policy now, it’s recommended that you enter the coverages as shown on your current policy. This ensures you will have a price comparison based on the exact same insurance coverage.

What impacts Dodge Durango insurance premiums?

Many different elements are part of the equation when quoting car insurance. Some factors are common sense like your driving record, although others are less apparent like your vehicle usage or how safe your car is.

  • Getting married brings a discount – Getting married can get you a discount on your policy. It translates into being more financially stable and statistics prove married drivers tend to file fewer claims.
  • Long commutes cost more – The higher the mileage driven annually the higher your rate. Many insurance companies charge to insure your cars determined by how the vehicle is used. Cars not used for work or commuting receive better premium rates than cars that get driven a lot. Ask your agent if your auto insurance declarations sheet is rated on annual mileage. Having the wrong rating on your Durango may be wasting your money.
  • Frequent claims will increase rates – If you’re an insured who likes to file claims you can expect either higher rates or even cancellation. Insurance companies provide better rates to policyholders who do not rely on their insurance for small claims. Your insurance policy is designed for major claims that would cause financial hardship.
  • Certain vocations raise rates – Careers like real estate brokers, business owners and emergency personnel tend to have higher average rates due to high stress and lots of time spent at work. Conversely, careers such as scientists, athletes and homemakers pay lower than average rates on Durango coverage.
  • Youthful driver insurance prices – Teen drivers tend to be inattentive and easily distracted with other occupants in the car and because of this, their auto insurance rates are much higher. Older insureds have been proven to be more responsible, statistically cause fewer accidents , and usually have better credit.
  • What’s your car’s safety rating? – Vehicles with good safety scores tend to have better insurance rates. Highly rated vehicles protect occupants better and lower injury rates translates into savings for insurance companies and cheaper rates on your policy. If the Dodge Durango scored at minimum four stars on or an “acceptable” rating on it may be receiving lower rates.

It’s not one size fits all

When it comes to choosing adequate coverage, there isn’t really a “best” method to buy coverage. Coverage needs to be tailored to your specific needs so your insurance should reflect that For instance, these questions can aid in determining if your situation would benefit from an agent’s advice.

  • Do I have coverage for damage caused while driving under the influence?
  • Does medical payments coverage apply to all occupants?
  • When would I need additional glass coverage?
  • Can I afford to buy a different vehicle if my 2018 Dodge Durango is totaled?
  • Why am I required to buy liability insurance?
  • Is my ex-spouse still covered by my policy?

If you can’t answer these questions but one or more may apply to you, then you may want to think about talking to a licensed insurance agent. To find an agent in your area, complete this form or you can go here for a list of companies in your area. It is quick, free and you can get the answers you need.

Advertising and auto insurance

Consumers can’t ignore all the ads that promise big savings by companies like 21st Century, Allstate and State Farm. They all seem to tend to make the same promise about how much you will save if you change your coverage to them.

Is it even possible that every company can offer drivers better rates? You have to listen carefully.

Insurance providers quote their best rates for the right customer that will generate a profit. An example of this type of insured may need to be a married female, has a clear driving record, and drives less than 7,500 miles a year. Any customer that matches those criteria will get very good prices and is almost guaranteed to save a lot of money.

Insureds who are not a match for the “perfect” profile may be forced to pay a higher premium and this results in business not being written. The ads say “drivers that switch” but not “everyone who gets a quote” save that much when switching. That’s why insurance companies can confidently make those claims. That is why you absolutely need to do a quote comparison often. Because you cannot predict which company will fit your personal profile best.

Coverage specifics

Knowing the specifics of your car insurance policy aids in choosing appropriate coverage for your vehicles. The terms used in a policy can be confusing and coverage can change by endorsement. Listed below are the normal coverages offered by car insurance companies.

Coverage for liability – This protects you from damage or injury you incur to people or other property. It protects you from claims by other people, and doesn’t cover damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show limits of 100/300/100 which means $100,000 bodily injury coverage, a total of $300,000 of bodily injury coverage per accident, and a total limit of $100,000 for damage to vehicles and property.

Liability insurance covers claims such as court costs, emergency aid, pain and suffering and repair costs for stationary objects. How much liability should you purchase? That is up to you, but consider buying as high a limit as you can afford.

Uninsured/Underinsured Motorist coverage – This coverage provides protection from other motorists when they do not carry enough liability coverage. Covered claims include injuries to you and your family and also any damage incurred to your 2018 Dodge Durango.

Due to the fact that many drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

Collision coverage – Collision coverage pays for damage to your Durango from colliding with an object or car. You will need to pay your deductible and then insurance will cover the remainder.

Collision coverage protects against claims like damaging your car on a curb, scraping a guard rail, rolling your car, colliding with a tree and backing into a parked car. Collision is rather expensive coverage, so consider dropping it from older vehicles. You can also raise the deductible in order to get cheaper collision rates.

Medical payments coverage and PIP – Medical payments and Personal Injury Protection insurance kick in for expenses like ambulance fees, chiropractic care, dental work and EMT expenses. They are used in conjunction with a health insurance plan or if you lack health insurance entirely. Coverage applies to you and your occupants and will also cover if you are hit as a while walking down the street. PIP is not an option in every state and may carry a deductible

Comprehensive coverage – This coverage covers damage from a wide range of events other than collision. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for things like a broken windshield, rock chips in glass and theft. The highest amount a car insurance company will pay at claim time is the actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.

Quote more. Save more.

You just learned some good ideas how you can reduce 2018 Dodge Durango insurance prices online. The most important thing to understand is the more providers you compare, the better your comparison will be. You may even discover the best prices are with a lesser-known regional company. Some small companies often have lower rates on specific markets than their larger competitors like Allstate or State Farm.

Some insurance companies may not have rate quotes online and usually these small, regional companies only sell through independent agents. Affordable 2018 Dodge Durango insurance can be purchased from both online companies and from local insurance agents, so you should compare both in order to have the best price selection to choose from.

Additional information can be read at the links below

Comments About 2018 Dodge Durango Insurance

  1. Eulah Lucas

    Located in Concord, NH. Quoted quotes with GMAC, AAA, Mercury, and a couple others for my Durango and saved around $410 a year. Good savings if you bundle.

  2. Damian Moreno

    From northwest of Omaha, NE. Went online for free insurance quotes for a 2018 Dodge Durango. Ended up at about $220 savings annually. Went with State Farm. Moved home policy as well. It never hurts to quote around.

  3. Franklin Moreno

    I’m in Huntington, WV. Quoted with 21st Century, The General, and Eastwood for my Durango and I’m now saving $32 a month. Switched homeowners coverage too. It never hurts to quote around.

  4. Elana Bullock

    Why are claims settled so low?

  5. Damian Greer

    Just my two cents. From Billings, MT. Don’t remember every company but I ended up saving about $60 each month. I got a quote from their website.