2011 Dodge Durango Car Insurance Rates

Paying for expensive Dodge Durango insurance can sap your bank account and possibly require you to analyze your spending habits. Comparison shopping can lower your rates and help to lower your bills every month.

Vehicle owners have so many insurance companies to buy insurance from, and though it is a good thing to have a selection, too many choices makes it more difficult to find the lowest rates.

How to shop car insurance online

There are a lot of ways to shop for car insurance, but there is one way that is easier and takes less work. You could spend the better part of a day driving to insurance companies in your area, or you can utilize online quotes to get rates in a matter of minutes.

Many popular insurance companies belong to an insurance system that allows shoppers to submit their information once, and each company returns a rated price based on the submitted data. This system prevents you from having to do quotation requests to every company.

To participate in this free quote system, click to open in new window.

One minor caviat to doing it this way is buyers cannot specifically choose which companies you want pricing from. If you would rather choose individual companies for rate comparison, we have assembled a list of low cost car insurance companies in your area. View list of insurance companies.

It’s your choice how you get your quotes, but be sure to compare exactly the same coverages on every price quote you get. If the quotes have differing limits you can’t possibly determine which rate is truly the best.

Cut your insurance rates with discounts

Insuring your fleet can be pricey, but you might already qualify for some discounts that you may not know about. Some discounts will apply when you complete an application, but a few need to be specifically requested before being credited.

  • Anti-lock Brake System – Cars that have steering control and anti-lock brakes prevent accidents so companies give up to a 10% discount.
  • Air Bags and Passive Restraints – Vehicles equipped with air bags or automatic seat belts may get savings of 25 to 30%.
  • Safe Drivers – Drivers who don’t get into accidents could pay up to 40% less for Durango coverage compared to accident prone drivers.
  • Defensive Driving Course – Passing a class that teaches driver safety techniques can save you 5% or more if you qualify.
  • Distant College Student Discount – College-age children who live away from home at college and leave their car at home could qualify for this discount.
  • Own a Home and Save – Simply owning a home can get you a discount due to the fact that maintaining a home requires a higher level of personal finance.
  • Full Payment Discount – By paying your policy upfront rather than paying monthly you may reduce your total bill.
  • Theft Deterent System – Cars, trucks, and SUVs equipped with anti-theft or alarm systems prevent vehicle theft so companies will give you a small discount.
  • Discounts for Government Workers – Having worked for a branch of the government could cut as much as 10% off for Durango coverage but check with your company.
  • Bundle and Save – If you combine your auto and home policies with the same insurance company you could earn a discount of approximately 10% to 15%.

Discounts save money, but please remember that some credits don’t apply to the entire policy premium. Some only apply to the cost of specific coverages such as medical payments or collision. If you do the math and it seems like having all the discounts means you get insurance for free, you’re out of luck.

A few of the larger companies and a selection of discounts include:

  • GEICO may have discounts that include daytime running lights, driver training, membership and employees, multi-vehicle, defensive driver, anti-theft, and air bags.
  • MetLife has discounts for good driver, claim-free, good student, accident-free, multi-policy, defensive driver
  • State Farm offers premium reductions for Steer Clear safe driver discount, good driver, student away at school, Drive Safe & Save, driver’s education, and good student.
  • Progressive may offer discounts for multi-vehicle, homeowner, continuous coverage, online quote discount, and online signing.
  • Mercury Insurance policyholders can earn discounts including multi-policy, good driver, good student, ease of repair, accident-free, low natural disaster claims, and multi-car.
  • 21st Century discounts include theft prevention, automatic seat belts, driver training, student driver, and early bird.
  • Allstate includes discounts for anti-theft, anti-lock brakes, auto/life discount, good student, premier plus, and new car.

Check with all the companies to apply every possible discount. Some discounts listed above might not be offered on policies in your area. If you would like to see a list of insurance companies with discount rates, click here to view.

How to lower your insurance prices

Consumers need to have an understanding of the factors that come into play when calculating the price you pay for insurance. If you understand what influences your rates, this allows you to make educated decisions that can earn you big savings.

  • Save money by eliminating incidental coverages – There are a ton of optional add-on coverages that may not really be needed if you aren’t diligent. Things like rental car reimbursement, high-cost glass coverage, and extra life insurance coverage may be costing you every month. These coverages may sound good when you first buy your policy, but if they’re wasting money remove them from your policy.
  • Your car’s features help determine insurance rates – Choosing a vehicle with a theft deterrent system can help lower your rates. Theft prevention features like OnStar, LoJack tracking, and tamper alarms help track and prevent vehicle theft.
  • Liability coverage limits should be high – Your insurance policy’s liability coverage will afford coverage in the event that you are responsible for an accident. Liability insurance provides legal defense up to the limits shown on your policy. This coverage is very inexpensive when compared with rates for comp and collision, so drivers should buy more than the minimum limits required by law.
  • Battle of the sexes – Over the last 30 years, statistics show that females tend to be a little less risky than males. Now that doesn’t mean men are worse drivers. Both sexes cause accidents at about the same rate, but men cause more damage and cost insurance companies more money. Not only that, but men also get more serious tickets like driving under the influence (DUI). Young men ages 16 to 20 cause the most accidents and are penalized with high insurance rates.
  • Lower premiums for safer vehicles – Vehicles with good safety scores get lower rates. These vehicles help reduce the chance of injuries in an accident and any reduction in injury severity translates directly to fewer claims and cheaper rates on your policy. If your Dodge Durango has ratings of a minimum an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website it may be receiving lower rates.

You are unique and your auto insurance should be too

When buying the right insurance coverage, there is no cookie cutter policy. Everyone’s situation is a little different so your insurance should reflect that For instance, these questions can aid in determining whether you may require specific advice.

  • Does coverage extend to Mexico or Canada?
  • What vehicles should carry emergency assistance coverage?
  • If I drive on a suspended license am I covered?
  • How many claims can I have before being cancelled?
  • Do I need replacement cost coverage on my 2011 Dodge Durango?
  • Where can I get insurance after a DUI in my state?
  • Are my friends covered when driving my car?

If you can’t answer these questions, then you may want to think about talking 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. It is quick, free and may give you better protection.

Save $438 a year? Really?

Drivers can’t escape the ads that claim the best car insurance rates by companies like State Farm and Allstate. They all have a common claim that people will save if you just switch your policy.

It sounds good, but how can they all charge lower premium rates? Here is the trick they use.

Insurance companies offer their best rates for the type of driver that makes them money. An example of a profitable insured may be a married female, carries full coverage, and has excellent credit. Any driver who fits that profile gets the lowest prices and will save a lot of money.

Consumers who do not fit these criteria may be forced to pay a higher rate and this results in the customer not buying. If you listen to the ad wording, they say “drivers who switch” but not “everyone who gets a quote” will save that much if they switch. That’s the way insurance companies can make claims that they all have the best car insurance rates.

Each company has different criteria, so you need to quote coverage with many companies. Because without a comparison, you cannot know which auto insurance company will have the lowest rate quotes.

Auto insurance 101

Learning about specific coverages of a auto insurance policy can be of help when determining the best coverages and proper limits and deductibles. The terms used in a policy can be difficult to understand and nobody wants to actually read their policy. These are the normal coverages available from auto insurance companies.

Uninsured and underinsured coverage

This coverage gives you protection when the “other guys” do not carry enough liability coverage. It can pay for hospital bills for your injuries and damage to your 2011 Dodge Durango.

Because many people only carry the minimum required liability limits, 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.

Liability

This will cover damage or injury you incur to people or other property. This coverage 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, bodily injury for the entire accident, and a limit for property damage. You might see values of 25/50/25 which means $25,000 bodily injury coverage, a limit of $50,000 in injury protection per accident, and a limit of $25,000 paid for damaged property. Another option is one number which is a combined single limit which limits claims to one amount without having the split limit caps.

Liability can pay for things such as bail bonds, funeral expenses, repair bills for other people’s vehicles, repair costs for stationary objects and medical services. How much liability should you purchase? That is a decision to put some thought into, but it’s cheap coverage so purchase as large an amount as possible.

Comprehensive coverages

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

Comprehensive can pay for things like hitting a bird, damage from getting keyed, fire damage and rock chips in glass. The most a auto insurance company will pay at claim time is the actual cash value, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Collision coverage protection

This pays to fix your vehicle from damage resulting from colliding with an object or car. A deductible applies then the remaining damage will be paid by your insurance company.

Collision insurance covers things like hitting a mailbox, scraping a guard rail, hitting a parking meter, backing into a parked car and colliding with another moving vehicle. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are older. It’s also possible to increase the deductible in order to get cheaper collision rates.

Coverage for medical payments

Med pay and PIP coverage reimburse you for expenses for things like X-ray expenses, funeral costs, pain medications and doctor visits. They can be used to cover expenses not covered by your health insurance plan or if you are not covered by health insurance. Medical payments and PIP cover both the driver and occupants and will also cover getting struck while a pedestrian. PIP is only offered in select states but it provides additional coverages not offered by medical payments coverage

Stretch your dollar

We’ve covered quite a bit of information on how to compare 2011 Dodge Durango insurance prices online. The key thing to remember is the more companies you get rates for, the higher the chance of saving money. You may be surprised to find that the lowest prices are with a lesser-known regional company. These smaller insurers may often insure only within specific states and give getter rates compared to the large companies like State Farm or Progressive.

As you go through the steps to switch your coverage, you should never sacrifice coverage to reduce premiums. In many cases, an insured dropped liability limits or collision coverage and discovered at claim time that the savings was not a smart move. The aim is to buy enough coverage at a price you can afford, but don’t skip important coverages to save money.

Some car insurance companies do not provide the ability to get quotes online and most of the time these smaller companies only sell coverage through independent agents. Lower-priced car insurance is possible from both online companies in addition to local insurance agencies, and you should compare price quotes from both to have the best selection.

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