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Dodge Durango Insurance Rates

Comparing car insurance through online companies can be fast and easy and at the same time you can save money. The most important part is getting rates from all providers in order to have the lowest prices.

If you've never shopped for car insurance online, it's easy to be confused by the hoards of online companies offering insurance. There are several ways to compare rate quotes and find the best price. The easiest way to compare Durango insurance cost involves getting comparison quotes online. It is quite easy and can be accomplished by comparing rates here.

Which factors influence car insurance premiums?

Car insurance premiums paid to insure a Dodge Durango can be significantly different depending on several factors. Taken into consideration are:

  • A clean driving record keeps rates low
  • Better credit means lower rates
  • Male drivers pay higher rates
  • Deductible amount directly impacts your rate
  • Your vehicle's safety rating
  • Your occupation
  • Insurance coverage level
  • Whether you rent or own your home

An additional factor that can impact Durango insurance rates is the year of the vehicle. Used vehicles have a reduced actual cash value than newer models so the costs to repair may result in lower rates. Although new Dodge models may have safety features included like a rollover prevention system, forward-collision avoidance, and dual-stage airbags that may help lower rates.

To get a better understanding how rates are influenced for your specific model year, select the year of your vehicle from available model years below.

Coverage for liability - This coverage provides protection from damages or injuries you inflict on a person or their property. Liability coverage protects against things such as emergency aid, pain and suffering, and medical services. Coverage is generally pretty cheap so you should buy as large an amount as possible.

Collision - This coverage pays to fix your vehicle from damage from colliding with an object or car. You first must pay a deductible then your collision coverage will kick in. This coverage can be expensive, so you might think about dropping it from older vehicles. You can also raise the deductible in order to get cheaper Durango insurance rates.

Comprehensive coverage (or Other than Collision) - This pays for damage that is not covered by collision coverage. A deductible will apply and then insurance will cover the rest of the damage. The highest amount you can receive from a comprehensive claim is the ACV or actual cash value, so if it's not worth much more than your deductible consider removing comprehensive coverage.

UM/UIM Coverage - This protects you and your vehicle's occupants from other motorists when they either have no liability insurance or not enough. Because many people only carry the minimum required liability limits, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is a good idea.

Insurance for medical payments - Medical payments and Personal Injury Protection insurance pay for expenses such as doctor visits, EMT expenses, and X-ray expenses. They are often used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. Personal Injury Protection is not universally available and gives slightly broader coverage than med pay.

How Much are Dodge Durango Insurance Rates?