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Dodge Durango Insurance Cost

Shopping for car insurance by quoting online can be fast and easy and there is a good chance you might just save a little. The most important part is to get as many rate quotes as possible so you can get all possible prices.

If shopping for car insurance online is new to you, you can be overwhelmed by the hoards of car insurance companies vying for your business. When shopping for car insurance there are multiple ways of comparing rates from car insurance companies in your area. The easiest way by far to find competitive Durango insurance rates consists of shopping online. This can be accomplished by completing this short form.

Auto insurance rates for a Dodge Durango can fluctuate considerably depending on several factors. Some of these factors include:

  • A clean driving record keeps rates low
  • Credit rating impacts rates
  • Male rates may be higher
  • Low deductibles cost more
  • Safety rating of your Durango
  • What you do for a living
  • The amount of protection requested
  • Whether you own your home

A final factor that will help determine Durango insurance cost is the model year. Older cars and trucks cost less in comparison to older models so repair costs tend to be lower which may result in lower rates. But newer vehicles may have a trim level with safety features including automatic crash notification, blind-spot warning system, and an advanced theft deterrent system which may give discounted rates.

To get more specific information about how rates are influenced for your specific model year, select the year of your vehicle below.

Liability coverages

This coverage can cover damage that occurs to other people or property by causing an accident. Liability can pay for things like legal defense fees, bail bonds, and repair bills for other people's vehicles. Coverage is generally pretty cheap so consider buying as high a limit as you can afford.

Collision protection

Collision coverage covers damage to your Dodge caused by collision with another car or object. A deductible applies then your collision coverage will kick in. Durango collision insurance is rather expensive coverage, so you might think about dropping it from vehicles that are older. It's also possible to bump up the deductible to save money on collision insurance.

Comprehensive coverages

Comprehensive insurance pays to fix your vehicle from damage OTHER than collision with another vehicle or object. A deductible will apply and the remainder of the damage will be paid by your Dodge Durango comprehensive insurance. The most you'll receive from a claim is the ACV or actual cash value, so if the vehicle's value is low it's probably time to drop comprehensive insurance.

Uninsured or underinsured coverage

Your UM/UIM coverage protects you and your vehicle when the "other guys" either are underinsured or have no liability coverage at all. Due to the fact that many drivers have only the minimum liability required by law, their limits can quickly be used up. For this reason, having high UM/UIM coverages is important protection for you and your family.

Coverage for medical payments

Coverage for medical payments and/or PIP pay for short-term medical expenses (i.e. nursing services, prosthetic devices, and dental work). They are used to fill the gap from your health insurance program or if there is no health insurance coverage. Personal Injury Protection is not an option in every state but it provides additional coverages not offered by medical payments coverage.

How Much are Dodge Durango Insurance Rates?