2017 Dodge Durango Insurance Rates in 2024 – 9 Tips for Cheaper Quotes

Getting the lowest price auto insurance can seem to be intimidating for drivers who are beginners to quoting and comparing rates on the internet. Since there are so many companies in the marketplace, how are drivers able to efficiently compare them all to find better prices?

Quote insurance online

There are several ways to compare insurance prices but some are less time-consuming than others. You can waste a lot of time talking to insurance companies in your area, or you can utilize the internet to quickly compare rates.

The majority of car insurance companies are enrolled in a marketplace where prospective buyers enter their policy data once, and every company then gives them pricing determined by their information. This prevents consumers from doing quote requests for every insurance company.

To compare rates using this form now enter your zip code here.

The one disadvantage to using this type of form is buyers cannot specifically choose which carriers to get quotes from. If you would rather choose individual companies to compare, we put together a list of low cost insurance companies in your area. Click to enter zip code.

Whichever way you choose to compare rates, compare the same coverage data for each comparison quote. If the quotes have mixed coverages you can’t possibly make an equal comparison. Having just a slight variation in limits could throw off the whole comparison. And when comparison shopping, more quotes helps you find the best offered rates.

Tricks in auto insurance advertising

Popular auto insurance providers such as GEICO, State Farm and Progressive regularly use ads on TV and radio. All the companies seem to make the promise that you can save if you move to their company. How can each company charge less that you’re paying now?

Many companies give the cheapest rates for the type of customer that earns them the most money. One example of this type of risk profile might be described as between 25 and 40, has a clear driving record, and has a short commute. Anyone who fits those characteristics will get very good rates and will most likely cut their rates if they switch.

Consumers who don’t meet these stringent criteria may receive a higher premium with the end result being the customer buying from someone else. The trick is to say “customers who switch” not “all people who quote” can save as much as they claim. That’s why insurance companies can state the savings.

That is why it is so important to get insurance coverage quotes from several different companies. Because you never know which insurance companies will give you the biggest savings.

Take advantage of these nine discounts

Insurance coverage is not an enjoyable expense, but you might find some hidden discounts that may help make it more affordable. A few discounts will automatically apply at the time of purchase, but some must be asked for before being credited.

• Passive Restraints – Cars that have air bags or motorized seat belts may get savings of up to 25% or more.
• Braking Control Discount – Cars and trucks that have anti-lock braking systems can reduce accidents and the ABS can save up to 10%.
• Accident Free – Drivers who don’t have accidents get the best insurance coverage rates in comparison with drivers with a long claim history.
• Government Employees – Having worked for a branch of the government can save as much as 8% on Durango coverage with certain companies.
• Save over 55 – If you qualify as a senior citizen, you could receive a slight reduction on a insurance coverage quote on Durango coverage.
• Driver Training Discounts – Taking a defensive driving course can save you 5% or more if you qualify.
• Club Memberships – Affiliation with qualifying employment or professional organizations can get you a small discount on insurance coverage.
• Paperless Signup – Some insurance companies give back up to $50 for buying your policy online.
• Onboard Data Collection – Insureds that choose to allow driving data collection to study when and where they use their vehicle through the use of a telematics system like Allstate’s Drivewise may see discounts if their driving habits are good.

While discounts sound great, it’s important to understand that most credits do not apply to your bottom line cost. Some only apply to specific coverage prices like physical damage coverage or medical payments. Just because it seems like all the discounts add up to a free policy, companies wouldn’t make money that way.

Some companies that have most of the discounts above may include but are not limited to:

• Farm Bureau
• Liberty Mutual
• State Farm
• Auto-Owners Insurance
• GEICO
• SAFECO

When getting a coverage quote, ask every company which discounts they offer. Some of the discounts discussed earlier may not apply to policyholders in your state.

Special considerations

When choosing adequate coverage for your vehicles, there really is not a one size fits all plan. Everyone’s situation is unique.

These are some specific questions can help discover whether or not you may require specific advice.

• Should I have a commercial auto policy?
• What is covered by UM/UIM coverage?
• When would I need additional glass coverage?
• Will I lose any money if I cancel my policy before it expires?
• Is rental equipment covered for theft or damage?
• Will my rates increase for filing one claim?
• When should my teen driver be added to my policy?
• Can I drive in Mexico and have coverage?
• How does medical payments coverage work?
• At what point should I drop full coverage?

If you’re not sure about those questions but one or more may apply to you, you may need to chat with an insurance agent. To find an agent in your area, fill out your zip code.

Car insurance coverages explained

Learning about specific coverages of your policy helps when choosing which coverages you need and the correct deductibles and limits. The coverage terms in a policy can be impossible to understand and coverage can change by endorsement.

Uninsured and underinsured coverage

This coverage provides protection when other motorists either are underinsured or have no liability coverage at all. This coverage pays for hospital bills for your injuries and damage to your 2017 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. For this reason, having high UM/UIM coverages is important protection for you and your family. Normally the UM/UIM limits are similar to your liability insurance amounts.

Collision coverage protection

This coverage pays for damage to your Durango resulting from colliding with a stationary object or other vehicle. You have to pay a deductible and then insurance will cover the remainder.

Collision coverage protects against claims such as rolling your car, crashing into a building, sideswiping another vehicle and hitting a parking meter. This coverage can be expensive, so you might think about dropping it from vehicles that are older. Another option is to increase the deductible to get cheaper collision coverage.

Auto liability insurance

This coverage protects you from damage or injury you incur to other’s property or people by causing an accident. This coverage protects you against claims from other people. It does not cover your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. As an example, you may have values of 100/300/100 that translate to a limit of $100,000 per injured person, a limit of $300,000 in injury protection per accident, and $100,000 of coverage for damaged property. Alternatively, you may have one limit called combined single limit (CSL) that pays claims from the same limit rather than limiting it on a per person basis.

Liability insurance covers things such as court costs, legal defense fees and repair bills for other people’s vehicles. The amount of liability coverage you purchase is up to you, but consider buying as large an amount as possible.

Comprehensive coverages

Comprehensive insurance pays to fix your vehicle from damage from a wide range of events other than collision. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive insurance covers things like a tree branch falling on your vehicle, fire damage, vandalism, hitting a bird and damage from a tornado or hurricane. The maximum amount you can receive from a comprehensive claim is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Coverage for medical payments

Med pay and PIP coverage kick in for immediate expenses such as prosthetic devices, nursing services and rehabilitation expenses. The coverages can be utilized in addition to your health insurance policy or if you lack health insurance entirely. They cover not only the driver but also the vehicle occupants as well as getting struck while a pedestrian. Personal Injury Protection is only offered in select states but can be used in place of medical payments coverage

Shop around and save

We covered a lot of information how to compare 2017 Dodge Durango insurance rates online. The key thing to remember is the more rate quotes you have, the better likelihood of getting low cost insurance coverage. You may be surprised to find that the biggest savings come from some of the lesser-known companies.

Lower-priced auto insurance can be purchased both online and with local insurance agents, and you should compare price quotes from both in order to have the best price selection to choose from. A few companies do not offer the ability to get quotes online and these smaller companies provide coverage only through independent insurance agents.

When shopping online for auto insurance, it’s very important that you do not sacrifice coverage to reduce premiums. There have been many situations where an insured dropped uninsured motorist or liability limits and discovered at claim time that a couple dollars of savings turned into a financial nightmare. The goal is to buy a smart amount of coverage at the best price, but do not sacrifice coverage to save money.