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Cheapest 2003 Dodge Durango Insurance Rates in 2024

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: Jun 2, 2023

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Looking for cheaper auto insurance rates for your Dodge Durango? I can’t think of anyone who enjoys paying for auto insurance, especially when the cost is way too high. Insurance companies such as GEICO, Farmers Insurance and State Farm increase brand awareness with ad campaigns and it can be hard to see past the geckos and flying pigs and do the work needed to find the best deal.

It’s important to compare rates before your policy renews because prices are constantly changing. Even if you think you had the lowest rates for Durango coverage on your last policy you may be paying too much now. Forget all the misinformation about auto insurance because I’m going to let you in on the secrets to one of the easiest ways to find the best coverage while lowering your premiums.

If you have a current insurance policy or need new coverage, you can follow these tips to reduce the price you pay while maintaining coverages. Buying car insurance is easy if you know what you’re doing. Vehicle owners only need to know the proper methods to get comparison quotes online.

The fastest way that we advise to compare insurance rates from multiple companies utilizes the fact auto insurance companies participate in online systems to give rate comparisons. To start a quote, the only thing you need to do is provide information like if the car is leased, if it has an alarm system, distance driven, and how you use your vehicles. That rating data is submitted instantly to multiple different insurance companies and they provide comparison quotes quickly.

To compare multiple company rates now, click here and find out if you can get cheaper insurance.

How to know if you need help

When it comes to choosing coverage for your vehicles, there isn’t really a “perfect” insurance plan. Every insured’s situation is different so your insurance should reflect that These are some specific questions may help you determine if your insurance needs would benefit from an agent’s advice.

  • Am I covered when driving someone else’s vehicle?
  • When would I need additional glass coverage?
  • Is rental equipment covered for theft or damage?
  • When should my teen driver be added to my policy?
  • Why am I be forced to buy a membership to get insurance from some companies?
  • What if I owe more than I can insure my car for?
  • Am I covered when driving a rental car?
  • Why am I required to get a high-risk car insurance policy?

Insurance coverages 101

Knowing the specifics of your policy can be of help when determining appropriate coverage for your vehicles. Insurance terms can be confusing and nobody wants to actually read their policy. These are typical coverages found on the average insurance policy.

Coverage for collisions

This coverage pays for damage to your Durango resulting from a collision with another car or object. You first must pay a deductible then your collision coverage will kick in.

Collision coverage pays for things like colliding with another moving vehicle, rolling your car, backing into a parked car, sustaining damage from a pot hole and hitting a mailbox. Collision is rather expensive coverage, so consider removing coverage from vehicles that are older. Another option is to choose a higher deductible to save money on collision insurance.

Liability car insurance

Liability coverage protects you from damage that occurs to a person or their property by causing an accident. This insurance protects YOU against other people’s claims. It does not cover damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. You commonly see policy limits of 100/300/100 that translate to $100,000 bodily injury coverage, $300,000 for the entire accident, and a limit of $100,000 paid for damaged property.

Liability coverage pays for things like loss of income, bail bonds and repair costs for stationary objects. How much coverage you buy is a decision to put some thought into, but consider buying as much as you can afford.

Coverage for medical expenses

Coverage for medical payments and/or PIP kick in for immediate expenses like EMT expenses, rehabilitation expenses and doctor visits. They are used to fill the gap from your health insurance plan or if you lack health insurance entirely. They cover both the driver and occupants and also covers getting struck while a pedestrian. PIP coverage is not universally available but it provides additional coverages not offered by medical payments coverage

Coverage for uninsured or underinsured drivers

This coverage provides protection from other motorists when they either are underinsured or have no liability coverage at all. Covered losses include injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Since many drivers carry very low liability coverage limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages should not be overlooked.

Comprehensive insurance

This covers damage from a wide range of events other than collision. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for things like vandalism, falling objects, rock chips in glass, theft and a broken windshield. The maximum 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 it’s probably time to drop comprehensive insurance.

Frequently Asked Questions

What factors influence the insurance rates for a 2003 Dodge Durango?

Several factors can influence the insurance rates for a 2003 Dodge Durango, including:

  • Age and driving experience of the primary driver
  • Location where the vehicle is primarily garaged
  • Vehicle usage (commute, pleasure, business)
  • Driving record and claims history
  • Credit score (in some states)
  • Deductible amount
  • Coverage limits and types of coverage selected
  • Anti-theft devices and safety features installed in the vehicle
  • Insurance company’s rating and underwriting guidelines

Is the insurance rate for a 2003 Dodge Durango generally higher or lower compared to newer vehicles?

Insurance rates for older vehicles like the 2003 Dodge Durango are often lower compared to newer vehicles. This is primarily because older vehicles generally have lower market values, making repairs or replacements more affordable for insurance companies in the event of an accident or damage. However, other factors such as the vehicle’s safety features and theft rates can also influence insurance rates.

Are there any specific safety features or modifications that can help lower insurance rates for a 2003 Dodge Durango?

Equipping your 2003 Dodge Durango with certain safety features and anti-theft devices can potentially lower your insurance rates. Some features that may help include:

  • Anti-lock brakes (ABS)
  • Airbags (driver, passenger, side)
  • Electronic Stability Control (ESC)
  • Alarm systems or immobilizers
  • GPS tracking devices
  • VIN etching
  • Upgraded headlights (e.g., LED or HID)
  • Daytime running lights (DRL)

Are there any specific insurance discounts available for insuring a 2003 Dodge Durango?

Insurance companies often offer various discounts that can help lower the insurance rates for a 2003 Dodge Durango. Some common discounts you may qualify for include:

  • Multi-policy discount (bundling auto and home insurance)
  • Safe driver discount (for having a clean driving record)
  • Good student discount (for students with good grades)
  • Low mileage discount (for driving fewer miles)
  • Anti-theft device discount (for having theft deterrents installed)
  • Safety feature discount (for vehicles with certain safety features)
  • Loyalty discount (for staying with the same insurance company)

How can I find the cheapest insurance rates for a 2003 Dodge Durango?

To find the cheapest insurance rates for your 2003 Dodge Durango, consider following these steps:

  1. Shop around: Obtain quotes from multiple insurance companies to compare rates and coverage options.
  2. Raise your deductible: Opting for a higher deductible can lower your premium, but make sure it’s an amount you can comfortably afford.
  3. Review coverage needs: Assess your coverage needs and consider whether you can reduce or modify certain coverages that may not be necessary.
  4. Take advantage of discounts: Inquire about all available discounts and see if you qualify for any that can lower your premium.
  5. Maintain a good driving record: Avoid accidents and traffic violations to keep your driving record clean, which can help keep your rates lower.
  6. Consider usage-based insurance: Some insurance companies offer usage-based insurance programs where your rates are based on your driving habits. If you’re a safe driver, this could result in lower premiums.

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