Are you at wits end from sacrificing to make your insurance payment? You are in the same boat as many other consumers.
Insurance companies such as Allstate and Progressive continually hit you with fancy advertisements and it is challenging if not impossible to avoid their marketing magic and find the best price available.
It is always a good idea to shop coverage around before your policy renews since insurance prices trend upward over time. Just because you had the lowest rate on Journey coverage at your last renewal a different company probably has better premium rates today. Forget anything you know (or think you know) about insurance because we’re going to show you the right way to find lower rates on insurance.
The majority of larger companies allow consumers to get prices for coverage from their websites. This process is fairly simple as you just type in the coverages you want as requested by the quote form. When complete, the quote system collects information on your driving record and credit history and quotes a price. This simplifies rate comparisons, but the work required to visit each company’s website and repetitively type in the same information is a waste of time. But it’s also necessary to perform this step if you want to find better prices.
The smarter way to compare insurance coverage pricing utilizes a single form that gets price quotes from several different companies. This type of form saves time, reduces the work, and makes online shopping a lot less work. Once the form is submitted, your coverage is rated and you can select any of the returned quotes.
If a lower price is quoted, you can simply submit the application and buy the new coverage. This process can be completed in less than 10 minutes and could lower your rates considerably.
In order to get comparison pricing now, click here and enter your vehicle and coverage information. To compare your current rates, we recommend you replicate the coverages just like they are on your policy. This guarantees you will have rate quotes based on the exact same insurance coverage.
Insurance can cost an arm and a leg, but you can get discounts to reduce the price significantly. Some of these disounts will be visible at the time you complete a quote, but some may not be applied and must be specifically requested prior to getting the savings.
A quick disclaimer, some credits don’t apply to the entire policy premium. Some only reduce specific coverage prices like collision or personal injury protection. So even though they make it sound like you would end up receiving a 100% discount, car insurance companies aren’t that generous.
A few popular companies and the discounts they provide are detailed below.
If you need lower rates, check with all the companies what discounts are available to you. A few discounts might not be offered in your area. For a list of car insurance companies that can offer you the previously mentioned discounts, follow this link.
When it comes to choosing coverage, there really is not a perfect coverage plan. Everyone’s needs are different and a cookie cutter policy won’t apply. Here are some questions about coverages that may help you determine if your insurance needs would benefit from professional advice.
If you don’t know the answers to these questions but one or more may apply to you then you might want to talk to a licensed agent. To find an agent in your area, simply complete this short form or you can also visit this page to select a carrier
Learning about specific coverages of car insurance can be of help when determining which coverages you need and proper limits and deductibles. Policy terminology can be impossible to understand and reading a policy is terribly boring. Shown next are typical coverage types found on the average car insurance policy.
Auto liability insurance – Liability insurance can cover injuries or damage you cause to other’s property or people by causing an accident. It protects you from legal claims by others. Liability doesn’t cover your injuries or vehicle damage.
It consists of three limits, bodily injury per person, bodily injury per accident and property damage. You commonly see limits of 25/50/25 that translate to $25,000 bodily injury coverage, a limit of $50,000 in injury protection per accident, and $25,000 of coverage for damaged propery. Alternatively, you may have a combined limit which combines the three limits into one amount rather than limiting it on a per person basis.
Liability coverage pays for claims such as legal defense fees, loss of income and funeral expenses. How much liability coverage do you need? That is your choice, but it’s cheap coverage so purchase higher limits if possible.
Collision coverages – Collision coverage covers damage to your Journey resulting from a 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 insurance covers claims like sustaining damage from a pot hole, driving through your garage door, backing into a parked car, crashing into a ditch and colliding with another moving vehicle. This coverage can be expensive, so consider dropping it from vehicles that are 8 years or older. It’s also possible to choose a higher deductible to get cheaper collision coverage.
UM/UIM Coverage – Your UM/UIM coverage provides protection when other motorists either are underinsured or have no liability coverage at all. It can pay for injuries sustained by your vehicle’s occupants and also any damage incurred to your Dodge Journey.
Since many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is important protection for you and your family. Usually the UM/UIM limits are set the same as your liablity limits.
Medical costs insurance – Personal Injury Protection (PIP) and medical payments coverage kick in for expenses for rehabilitation expenses, surgery, chiropractic care, doctor visits and hospital visits. They are often used to fill the gap from your health insurance policy or if you lack health insurance entirely. It covers you and your occupants and also covers if you are hit as a while walking down the street. Personal Injury Protection is not an option in every state and gives slightly broader coverage than med pay
Comprehensive or Other Than Collision – This will pay to fix damage from a wide range of events other than collision. You first have to pay a deductible then your comprehensive coverage will pay.
Comprehensive insurance covers claims such as hail damage, damage from getting keyed, falling objects, damage from a tornado or hurricane and a broken windshield. 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 probably time to drop comprehensive insurance.