View 2009 Dodge Journey Car Insurance Quotes

Looking for lower insurance coverage rates for your Dodge Journey? Finding low-cost insurance for a Dodge Journey could be difficult, but you can use the following methods to find lower rates. There is a better way to compare insurance coverage rates and we’ll show you the proper way to compare rates on a Dodge and obtain the cheapest rates from local insurance agents and online providers.

Choosing the best insurance company for you is quite easy. If you have a policy now or need a new policy, you will benefit by learning to find the best rates while maximizing coverage. Drivers just need to know how to compare company rates online.

Shop insurance coverage online

All major insurance coverage companies such as State Farm and Allstate allow consumers to get prices for coverage online. Comparing prices online is very simple as you just enter your coverage information as detailed in the form. After the form is submitted, their rating system obtains your driving and credit reports and quotes a price determined by many factors.

This makes it a lot easier to compare rates but the work required to visit a lot of sites and type in the same information gets old quite quickly. But it’s also necessary to get many rate quotes if you want to get a better rate.

The easy way to compare rates

The easiest way to find cheaper rates uses one form to return rates from more than one company. It saves time, eliminates form submissions, and makes quoting online a little more enjoyable. As soon as the form is sent, your coverage is rated with multiple companies and you can pick any one of the returned quotes. If one or more price quotes are lower than your current rates, it’s easy to complete the application and purchase coverage. It takes just a few minutes to complete and may save quite a bit of money.

If you want to compare pricing, click here to open in a new tab and input your coverage information. If you have coverage now, it’s recommended you input as shown on your current policy. This makes sure you will have rate quotes for similar coverage.

Insurance coverage discounts help reduce rates

Car insurance companies don’t always advertise every discount they offer very clearly, so the next list breaks down some of the more common and also the lesser-known credits that you can use to lower your rates.

• Senior Citizen Rates – If you’re over the age of 55, you could receive a slight reduction on a insurance coverage quote for Journey insurance.
• Driving Data Discount – Drivers who agree to allow their company to track where and when they drive by using a telematics device such as In-Drive from State Farm or Allstate’s Drivewise system may see discounts as long as they are good drivers.
• Savings for New Vehicles – Insuring a vehicle that is new can get you a discount due to better safety requirements for newer vehicles.
• Life Insurance – Insurance carriers who offer life insurance give better rates if you take out a life policy as well.
• Club Memberships – Belonging to qualifying employment or professional organizations could qualify you for a break on your next insurance coverage statement.
• Anti-theft System – Cars and trucks equipped with tracking devices and advanced anti-theft systems are stolen with less frequency and can earn a small discount on your policy.
• Payment Discounts – If you can afford to pay the entire bill as opposed to paying monthly you can avoid monthly service charges.
• Early Renewal Discounts – A few insurance coverage companies offer discounts for switching policies before your current expiration date. This can save 10% or more.

As is typical with insurance, most credits do not apply to the overall cost of the policy. Some only reduce individual premiums such as physical damage coverage or medical payments. Just because it seems like adding up those discounts means a free policy, company stockholders wouldn’t be very happy.

For a list of insurance companies who offer online insurance coverage quotes, follow this link.

Which is the best car insurance?

When buying proper insurance coverage, there is no one size fits all plan. Coverage needs to be tailored to your specific needs.

For instance, these questions might help in determining whether you could use an agent’s help.

• I don’t drive much so do I pay less?
• Are my friends covered when driving my car?
• Can I still get insurance after a DUI?
• Are my tools covered if they get stolen from my vehicle?
• Is upholstery damage covered by car insurance?
• Is extra glass coverage worth it?

If it’s difficult to answer those questions but a few of them apply, you might consider talking to an insurance agent. To find lower rates from a local agent, simply complete this short form. It only takes a few minutes and you can get the answers you need.

How to lower your insurance prices

Smart consumers have a good feel for the different types of things that come into play when calculating your insurance rates. If you know what influences your rates, this enables you to make decisions that will entitle you to big savings.

• GPS tracking and theft deterrents lowers premiums – Owning a car with advanced anti-theft systems can get you a discount on your insurance. Systems that thwart theives like OnStar, LoJack tracking, and tamper alarms help track and prevent your vehicle from being stolen.
• Premiums drop with age – More mature drivers are proven to be safer behind the wheel, are lower risk to insure and receive fewer citations.Drivers with little experience have been known to be easily distracted when at the wheel of a vehicle so insurance rates are higher.
• Battle of the sexes – Statistics have proven that women are safer drivers than men. It does not mean women are better drivers. Both genders cause accidents at about the same rate, but males get into accidents with more damage. Men also statistically receive more costly citations like DWI (DUI) or reckless driving.
• Single drivers take more risk – Being married may earn you lower rates compared to being single. Marriage is viewed as being more stable financially and it’s proven that married couples file fewer claims.
• Save money with high credit – Having a bad credit score will be a significant factor in calculating your premium rate. Therefore, if your credit is not that good, you could save money insuring your 2009 Dodge Journey by repairing your credit. People that have excellent credit tend to be better risks to insure than those with lower ratings.
• Accidents can be expensive – A bad driving record has a lot to do with how much you pay for insurance. Even a single ticket can increase the cost of insurance by as much as thirty percent. Careful drivers get better prices as compared to those with violations. People who have multiple violations like DUI or reckless driving might be required by their state to file a SR-22 with their state DMV in order to drive a vehicle legally.
• Big cities mean more claims – Residing in less populated areas is a good thing when it comes to insurance. City drivers have much more traffic and much longer commute distances. Less people living in that area corresponds to lower accident rates in addition to fewer liability claims.

Are you falling for claims of savings?

Consumers can’t ignore all the ads for the lowest price insurance coverage from the likes of State Farm and Allstate. They all make an identical promise about how much you will save just by switching to them.

How does every insurance coverage company say the same thing? It’s all in the words they use.

Different companies have underwriting criteria for the type of driver that earns them the highest profit. For example, a desirable risk might have to be between 30 and 50, has a low-risk occupation, and insures a new vehicle. A customer getting a price quote who matches that profile receive the lowest rate quotes and have a good chance to save a lot if they switch.

Potential insureds who don’t meet the “perfect” profile may be forced to pay higher premiums which results in the customer not buying. The trick is to say “people who switch” but not “everyone who gets a quote” save that much when switching. This is how companies can make those statements. This really drives home the point why you should compare many company’s premium rates. It is just not possible to predict which insurance coverage company will have the best car insurance rates.

Auto insurance 101

Understanding the coverages of your auto insurance policy aids in choosing the right coverages at the best deductibles and correct limits. Auto insurance terms can be difficult to understand and coverage can change by endorsement.

Comprehensive auto insurance

Comprehensive insurance coverage will pay to fix damage that is not covered by collision coverage. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers claims such as hail damage, falling objects and damage from flooding. The maximum amount 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.

Liability

This coverage can cover injuries or damage you cause to other people or property in an accident. This insurance protects YOU against other people’s claims. Liability doesn’t cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You might see liability limits of 50/100/50 that translate to a $50,000 limit per person for injuries, a per accident bodily injury limit of $100,000, and a total limit of $50,000 for damage to vehicles and property.

Liability coverage protects against claims like pain and suffering, funeral expenses and repair bills for other people’s vehicles. How much liability should you purchase? That is a decision to put some thought into, but it’s cheap coverage so purchase higher limits if possible.

Coverage for uninsured or underinsured drivers

Uninsured or Underinsured Motorist coverage gives you protection when the “other guys” do not carry enough liability coverage. Covered claims include medical payments for you and your occupants as well as damage to your Dodge Journey.

Since a lot of drivers have only the minimum liability required by law, 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.

Coverage for medical expenses

Medical payments and Personal Injury Protection insurance kick in for immediate expenses for rehabilitation expenses, surgery, pain medications and X-ray expenses. They are used in conjunction with a health insurance program or if you lack health insurance entirely. They cover all vehicle occupants and will also cover being hit by a car walking across the street. Personal Injury Protection is only offered in select states and gives slightly broader coverage than med pay

Auto collision coverage

This coverage covers damage to your Journey caused by collision with a stationary object or other vehicle. You first must pay a deductible then your collision coverage will kick in.

Collision coverage pays for things like sideswiping another vehicle, scraping a guard rail, backing into a parked car, damaging your car on a curb and crashing into a ditch. Collision is rather expensive coverage, so you might think about dropping it from older vehicles. Another option is to raise the deductible to bring the cost down.

Find Good Coverage for Less

Some insurance companies do not provide online rate quotes and usually these smaller providers sell through independent agents. Lower-priced insurance coverage can be sourced both online and from local insurance agents, and you should compare price quotes from both to have the best selection.

Drivers change insurance companies for many reasons like poor customer service, lack of trust in their agent, policy cancellation or delays in paying claims. Regardless of your reason for switching companies, finding the right insurance coverage provider can be less work than you think.

We covered a lot of tips how to shop for 2009 Dodge Journey insurance online. The key thing to remember is the more you quote insurance coverage, the higher the chance of saving money. Consumers could even find that the lowest rates are with the least-expected company.

Helpful information

• Rental Reimbursement Coverage (Allstate)
• Who Has Affordable Raleigh Car Insurance for a Dodge Journey? (RaleighCoverage.com)
• Prom Night Tips for Teen Drivers (State Farm)
• Auto Theft Statistics (Insurance Information Insitute)
• Auto Insurance Basics (Insurance Information Insitute)
• Collision Insurance Coverage (Nationwide)
• Collision Coverage (Liberty Mutual)