Cheapest 2006 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 3, 2023

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Sick and tired of not being able to afford to buy car insurance? You’re in the same situation as many other drivers.

Online insurance companies like State Farm, Progressive and GEICO constantly blast consumers with ads and it is difficult to see through the cute green geckos and mayhem and find the best price available.

It’s a good idea to shop coverage around before your policy renews due to the fact that insurance rates are rarely the same from one policy term to another. Despite the fact that you may have had the best rates for Durango coverage a year ago you will most likely find a better rate today. Block out anything you think you know about car insurance because you’re about to learn how to use the internet to properly buy coverages while reducing your premium.

Lower rates by qualifying for discounts

The price of auto insurance can be rather high, but you may find discounts to cut the cost considerably. Certain discounts will be applied at the time of quoting, but a few need to be asked about prior to receiving the credit.

  • Organization Discounts – Affiliation with a qualifying organization could trigger savings on your policy for Durango coverage.
  • Low Mileage – Driving fewer miles could be rewarded with lower rates on the low mileage vehicles.
  • Pay Now and Pay Less – If you pay your bill all at once instead of making monthly payments you may reduce your total bill.
  • Auto/Home Discount – When you combine your home and auto insurance with the same company you may save at least 10% off all policies.
  • Federal Government Employee – Being employed by or retired from a federal job could cut as much as 10% off for Durango coverage with select insurance companies.
  • Seat Belts Save – Buckling up and requiring all passengers to use a seat belt could save 15% on the medical payments or PIP coverage costs.

Consumers should know that most discounts do not apply the whole policy. Most only cut individual premiums such as comp or med pay. Even though it may seem like you would end up receiving a 100% discount, it doesn’t quite work that way. But all discounts will cut the cost of coverage.

A partial list of companies that may have these discounts are:

Check with each insurance company which discounts they offer. Some discounts may not be available everywhere.

How to Get Insurance Coverage

Performing a rate comparison can take hours if you don’t know the most efficient way to do it. You can waste a lot of time talking to insurance companies in your area, or you could save time and use online quotes to achieve your goal.

Most major companies belong to an insurance system where prospective buyers submit one quote, and every company returns a rated price based on that data. This system prevents you from having to do repetitive form submissions for each company. To compare 2006 Dodge Durango rates now click here (opens in new window).

The one downside to using this type of form is you can’t choose which providers to get pricing from. So if you want to select from a list of companies to receive pricing from, we have a page of the cheapest insurance coverage companies in your area. Click here for list of insurance companies.

Which method you use is up to you, but make sure you use apples-to-apples coverages on every quote you get. If you have mixed coverages then you won’t be able to determine the best price for your Dodge Durango. Having just a slight variation in coverage limits can make a big difference in price. And when comparing insurance coverage rates, know that obtaining a wide range of quotes helps locate the best offered rates.

Car insurance is unique, just like you

When it comes to buying the right insurance coverage, there really is not a single plan that fits everyone. Your needs are not the same as everyone else’s so your insurance needs to address that. For instance, these questions may help you determine whether or not you may require specific advice.

  • Am I covered if my car is in a flood?
  • Does insurance cover damages from a DUI accident?
  • Do I need replacement cost coverage?
  • Are my friends covered when driving my car?
  • What is no-fault insurance?
  • What is the rate difference between pleasure use and commuting?
  • Do I need PIP (personal injury protection) coverage in my state?
  • What discounts do I qualify for?
  • Is a new car covered when I drive it off the dealer lot?
  • Does my car insurance cover rental cars?

If you can’t answer these questions then you might want to talk to an agent. To find lower rates from a local agent, complete this form or click here for a list of insurance coverage companies in your area.

Car insurance coverages for a Dodge Durango

Knowing the specifics of a auto insurance policy aids in choosing the right coverages at the best deductibles and correct limits. The terms used in a policy can be difficult to understand and reading a policy is terribly boring. Listed below are typical coverages available from auto insurance companies.

Medical payments and PIP coverage

Med pay and PIP coverage provide coverage for immediate expenses for pain medications, prosthetic devices, funeral costs and X-ray expenses. The coverages can be used in conjunction with a health insurance program or if you lack health insurance entirely. Coverage applies to both the driver and occupants and also covers if you are hit as a while walking down the street. PIP is not universally available but can be used in place of medical payments coverage

Collision coverage

This coverage pays for damage to your Durango caused by collision with another car or object. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for claims such as colliding with another moving vehicle, driving through your garage door, scraping a guard rail and crashing into a ditch. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are older. It’s also possible to bump up the deductible in order to get cheaper collision rates.

Comprehensive auto coverage

Comprehensive insurance coverage covers damage from a wide range of events other than collision. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive coverage pays for things like damage from flooding, fire damage, damage from a tornado or hurricane and rock chips in glass. The maximum payout 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 dropping full coverage.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This coverage provides protection from other motorists when they do not carry enough liability coverage. Covered losses include injuries sustained by your vehicle’s occupants as well as damage to your Dodge Durango.

Due to the fact that many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages should not be overlooked. Normally these limits are set the same as your liability limits.

Auto liability insurance

This coverage protects you from injuries or damage you cause to a person or their property in an accident. This insurance protects YOU from claims by other people, and doesn’t cover damage sustained by your vehicle in an accident.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have values of 25/50/25 which means $25,000 in coverage for each person’s injuries, $50,000 for the entire accident, and $25,000 of coverage for damaged property. Another option is one limit called combined single limit (CSL) which combines the three limits into one amount rather than limiting it on a per person basis.

Liability coverage pays for claims such as repair costs for stationary objects, medical expenses, medical services, loss of income and funeral expenses. How much coverage you buy is up to you, but it’s cheap coverage so purchase as high a limit as you can afford.

Find Good Coverage for Less

You just read some good ideas how to shop for 2006 Dodge Durango insurance online. The most important thing to understand is the more you quote, the higher the chance of saving money. You may even discover the lowest priced auto insurance comes from the least-expected company. Some small companies may only write in your state and offer lower rates as compared to the big name companies such as Allstate or State Farm.

As you shop your coverage around, you should never buy less coverage just to save a little money. In too many instances, an insured dropped liability coverage limits only to discover later that they should have had better coverage. The aim is to purchase a proper amount of coverage at the best price, not the least amount of coverage.

For more information, feel free to browse these articles:

Frequently Asked Questions

Are there any specific discounts available for insuring a 2006 Dodge Durango? A9

Yes, there are several discounts that may be available for insuring a 2006 Dodge Durango. While the specific discounts offered can vary by insurance company, here are the six common discounts to inquire about:

  • Multi-policy discount
  • Safe driver discount
  • Good student discount
  • Anti-theft device discount
  • Defensive driving course discount
  • Loyalty discount

It’s important to note that not all insurance companies offer the same discounts, and eligibility criteria may vary. It’s recommended to contact different insurers and inquire about the specific discounts they provide for insuring a 2006 Dodge Durango.

Can I find cheap insurance rates for a 2006 Dodge Durango in 2023?

While insurance rates vary depending on multiple factors, it is possible to find affordable insurance rates for a 2006 Dodge Durango. By comparing quotes from different insurance providers, maintaining a good driving record, and considering available discounts, you can increase your chances of finding cheaper rates.

Are there any specific insurance companies known for offering low rates on 2006 Dodge Durango coverage?

Insurance rates can vary significantly between insurance companies, and no single company is consistently the cheapest for all individuals. To find the best rates, it’s recommended to compare quotes from various insurers and consider their reputation, customer service, and financial stability along with the rates they offer.

Are older vehicles like the 2006 Dodge Durango generally more affordable to insure?

In general, older vehicles like the 2006 Dodge Durango tend to have lower insurance rates compared to newer models. This is because the value of older vehicles is typically lower, reducing potential costs for the insurance company in the event of a total loss. However, individual factors such as your driving record and location will still influence the final insurance rates.

Do safety features on the 2006 Dodge Durango affect insurance rates?

Yes, safety features on the 2006 Dodge Durango can have an impact on insurance rates. Vehicles equipped with safety features like anti-lock brakes, airbags, traction control, and security systems are generally considered safer and may qualify for lower insurance premiums. It’s recommended to check with your insurance provider to determine which safety features might lead to discounts.

Can I lower my insurance rates by reducing coverage on my 2006 Dodge Durango?

Reducing coverage on your 2006 Dodge Durango may lower your insurance rates, but it’s important to consider the potential risks. While liability coverage is often required by law, comprehensive and collision coverage may be optional but provide valuable protection. Before making any changes, evaluate your needs and consult with your insurance provider to ensure you maintain adequate coverage.

Does my credit score impact the insurance rates for my 2006 Dodge Durango?

Yes, your credit score can affect your insurance rates for a 2006 Dodge Durango. Many insurance companies consider credit history as a factor when determining premiums. A higher credit score may lead to lower insurance rates, while a lower credit score can result in higher premiums. It’s a good idea to maintain a good credit score to potentially qualify for better insurance rates.

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