2022 Dodge Durango Insurance Rates in 2024 – 9 Ideas for Best Quotes

Enter your zip code below to view companies that have cheap auto insurance rates.

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: May 24, 2024

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Are you overwhelmed by the wide range of insurance companies that you can choose from? Many other drivers are too. There are such a large number of options that it can turn into a real hassle to find the lowest price.

It is always a good idea to get comparison quotes periodically because insurance prices trend upward over time. Just because you found the best deal for Durango coverage six months ago other companies may now be cheaper. Forget anything you know (or think you know) about insurance because I’m going to teach you the fastest way to reduce your cost while increasing coverage.

Choosing the best insurance company for you is quite easy. If you have car insurance now, you stand a good chance to be able to cut costs considerably using these techniques. But vehicle owners must know how companies sell insurance online and take advantage of how the system works.

Don’t miss with these nine discounts

Properly insuring your vehicles can get expensive, but there could be significant discounts that could drop your premiums quite a bit. Many discounts should be triggered when you purchase, but lesser-known reductions have to be asked about before you will receive the discount. If they aren’t giving you every credit you qualify for, you’re just leaving money on the table.

  • Telematics Devices – Insureds who allow companies to monitor when and where they use their vehicle by using a telematics device in their vehicle such as Snapshot from Progressive or Drivewise from Allstate could see a rate decrease if their driving habits are good.
  • Braking Control Discount – Cars and trucks with anti-lock braking systems can stop better under adverse conditions and qualify for as much as a 10% discount.
  • New Vehicle Savings – Buying insurance coverage on a new vehicle is cheaper because newer models have to meet stringent safety requirements.
  • Service Members Pay Less – Having an actively deployed family member may qualify for rate reductions.
  • Multiple Cars – Buying insurance for multiple cars on the same insurance coverage policy can reduce the rates for all insured vehicles.
  • Discount for Good Grades – Excelling in school could provide a savings of up to 20% or more. You can use this discount normally up until you turn 25.
  • Pay Now and Pay Less – By making one initial payment rather than spreading payments over time you could save 5% or more.
  • Seat Belts Save – Drivers who require all occupants to buckle their seat belts can save a little off the PIP or medical payment premium.
  • Include Life Insurance and Save – Companies who offer life insurance give a discount if you purchase auto and life insurance together.

Just know that some credits don’t apply to all coverage premiums. Some only apply to individual premiums such as comprehensive or collision. So even though you would think it’s possible to get free car insurance, you won’t be that lucky.

The best insurance coverage companies and their offered discounts include:

  • GEICO has savings for driver training, military active duty, multi-policy, membership and employees, five-year accident-free, air bags, and good student.
  • Travelers offers discounts for home ownership, multi-car, good student, new car, continuous insurance, driver training, and IntelliDrive.
  • Farm Bureau discounts include renewal discount, youthful driver, good student, 55 and retired, multi-policy, and safe driver.
  • Liberty Mutual may have discounts that include good student, multi-policy, newly married, new move discount, multi-car, and new graduate.
  • American Family offers discounts including bundled insurance, multi-vehicle, good student, TimeAway discount, and defensive driver.
  • Progressive has discounts for multi-policy, online quote discount, homeowner, continuous coverage, good student, online signing, and multi-vehicle.

When getting a coverage quote, ask every company how you can save money. Some credits might not be offered on policies in your area. If you would like to choose from a list of insurance coverage companies with the best insurance coverage discounts, enter your zip code here.

The cheapest auto insurance price quotes online

There are multiple methods to compare auto insurance prices but some are less time-consuming than others. You could spend your day talking to insurance agencies in your area, or you can stay home and use the internet for quick rates.

Many of the larger companies participate in an industry program where insurance shoppers enter their policy data once, and every company then returns a price quote based on that data. This saves time by eliminating quote requests to each company. To find out how much you can save on auto insurance enter your zip code here.

One minor caveat to pricing coverage this way is that consumers can’t choose the providers you want to price. If you would rather choose individual companies to compare prices, we have assembled a list of the cheapest auto insurance companies in your area. Click to enter zip code.

How you compare quotes is your choice, just compare nearly identical quote information for every quote you compare. If the quotes have different limits and deductibles on each one it’s not possible to find the best deal for your Dodge Durango. Quoting even small variations in insurance coverages or limits could throw off the whole comparison. And when quoting auto insurance, remember that quoting more increases your odds of finding the best offered rates. Some smaller insurers to not give online quotes, so you also need to get prices on coverage from those companies, too.

Your situation helps dictate your coverage

When choosing proper insurance coverage, there really is no cookie cutter policy. Every insured’s situation is different.

For instance, these questions can aid in determining if your situation could use an agent’s help.

  • Can I afford low physical damage deductibles?
  • Why am I required to buy high-risk coverage?
  • How can I find cheaper teen driver insurance?
  • Is my vehicle covered by my employer’s policy when using it for work?
  • Should I carry comprehensive and collision coverage?
  • How do I file an SR-22 for a DUI in my state?
  • How much can I save by bundling my policies?
  • Should I have a commercial auto policy?

If it’s difficult to answer those questions but you know they apply to you, you may need to chat with a licensed agent. To find lower rates from a local agent, complete your zip code.

Insurance coverage breakdown

Understanding the coverages of insurance can help you determine which coverages you need and the correct deductibles and limits. Insurance terms can be difficult to understand and coverage can change by endorsement.

Collision insurance

Collision coverage covers damage to your Durango from colliding with another car or object. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for things such as crashing into a building, driving through your garage door, damaging your car on a curb, hitting a mailbox and hitting a parking meter. Collision coverage makes up a good portion of your premium, so consider dropping it from lower value vehicles. You can also choose a higher deductible in order to get cheaper collision rates.

Coverage for medical payments

Personal Injury Protection (PIP) and medical payments coverage provide coverage for bills such as dental work, chiropractic care and surgery. They are used to fill the gap from your health insurance policy or if you lack health insurance entirely. They cover all vehicle occupants in addition to if you are hit as a while walking down the street. PIP is not an option in every state and may carry a deductible

Comprehensive coverages

This coverage will pay to fix damage that is not covered by collision coverage. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive coverage pays for things like damage from getting keyed, damage from a tornado or hurricane, theft and a tree branch falling on your vehicle. The maximum payout you can receive from a comprehensive claim is the market value of your vehicle, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Uninsured and underinsured coverage

This coverage gives you protection from other drivers when they either have no liability insurance or not enough. It can pay for medical payments for you and your occupants as well as your vehicle’s damage.

Because many people only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important.

Liability insurance

Liability insurance will cover injuries or damage you cause to other people or property by causing an accident. This insurance protects YOU from legal claims by others. It does not cover your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show values of 25/50/25 which means $25,000 bodily injury coverage, a per accident bodily injury limit of $50,000, and a total limit of $25,000 for damage to vehicles and property.

Liability coverage protects against claims like emergency aid, bail bonds and repair costs for stationary objects. How much liability should you purchase? That is up to you, but buy as large an amount as possible.

Smart consumers save more

You just read a lot of techniques to shop for 2022 Dodge Durango insurance online. It’s most important to understand that the more times you quote, the better chance you’ll have of finding the cheapest auto insurance. Consumers may even find the lowest priced insurance coverage comes from a lesser-known regional company.

When trying to cut insurance costs, never skimp on critical coverages to save a buck or two. Too many times, an accident victim reduced comprehensive coverage or liability limits and learned later that they should have had better coverage. Your goal is to find the BEST coverage at a price you can afford, but do not skimp to save money.

Consumers who switch companies do it for many reasons like high prices, high rates after DUI convictions, questionable increases in premium and even denial of a claim. It doesn’t matter what your reason, switching companies is not as hard as you think.

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