2011 Dodge Journey Insurance Rates – 10 Discounts for Best Quotes

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.

Shop insurance coverage online

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.

These ten discounts can lower your car insurance rates

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.

  • Student Discount for Driver Training – It’s a good idea to have your young drivers take driver’s ed class as it will make them better drivers and lower rates.
  • Life Insurance Discount – Not all companies offer life insurance, but some may give you a discounted premium rate on car insurance if you buy life insurance.
  • Discounts for New Vehicles – Buying a new car model can be considerably cheaper since new model year vehicles are generally safer.
  • Save with More Vehicles Insured – Purchasing coverage when you have several vehicles on a single policy can get a discount on all vehicles.
  • Discount for Multiple Policies – When you combine your homeowners and auto insurance and insure them both with the same insurance company you could get a discount of up to 20% off your total premium.
  • Cautious Drivers – Drivers who don’t get into accidents may save up to 50% more on Journey coverage than drivers with accident claims.
  • Good Students Pay Less – This discount can earn a discount of 20% or more. You can use this discount normally well after school through age 25.
  • Distant Student – Any of your kids living away from home attending college and won’t have access to an insured vehicle can receive lower rates.
  • Membership in Organizations – Having an affiliation with qualifying clubs or civic groups could qualify you for a break on your bill.
  • Discount for Low Mileage – Low annual miles can earn discounted prices on garaged vehicles.

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.

  • Progressive has discounts for online quote discount, continuous coverage, good student, homeowner, and online signing.
  • AAA policyholders can earn discounts including pay-in-full, AAA membership discount, multi-policy, good student, education and occupation, anti-theft, and good driver.
  • Farmers Insurance offers discounts including electronic funds transfer, multi-car, pay in full, good student, and business and professional.
  • GEICO offers discounts for defensive driver, five-year accident-free, anti-lock brakes, air bags, federal employee, and multi-vehicle.
  • Esurance may offer discounts for DriveSense, paid-in-full, Switch & Save, good student, and online quote.
  • SAFECO may have discounts that include multi-car, drive less, bundle discounts, anti-theft, and teen safety rewards.
  • State Farm discounts include multiple policy, good driver, accident-free, passive restraint, and safe vehicle.

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.

Different people need different insurance coverages

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.

  • Is upholstery damage covered by car insurance?
  • Are split liability limits better than a combined single limit?
  • How high should my medical payments coverage be?
  • Can I afford to pay high deductible claims out of pocket?
  • Is my teenager covered with friends in the car?
  • Is my state a no-fault state?
  • Are my friends covered when driving my 2011 Dodge Journey?
  • I have a DUI can I still get coverage?

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

Auto insurance coverage information

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.

Comments About 2011 Dodge Journey Insurance

  1. Danette Wong

    I’m in the suburbs of Aberdeen, SD. Checked online prices for a 2011 Dodge Journey. Ended up at about $540 savings annually. Went with 21st Century. Left Travelers to switch.

  2. Anthony York

    If you don’t have tickets and live in the vicinity of Owensboro, KY, check out GEICO. They seem to be cheaper. They offer free online rate quotes.

  3. Romeo Wiley

    I think I’m paying too much. Proud to be from Madison, WI. Got rates from USAA, AIG Insurance, Liberty Mutual, and Nationwide for my 2011 Dodge Journey and I’m now saving $38 a month. I’m a pretty good driver though. It’s easy to compare rates online now.

  4. Glory Munoz

    I got decent rates for a 2011 Dodge Journey in Manchester, NH. Ended up at darn near $280 every six months with American Family.

  5. Amie Mcneil

    Can you buy custom paint coverage for a 2011 Dodge Journey?

  6. Alita Hodges

    I’m in the suburbs of Lexington, KY, and Progressive rates were best. Are quotes cheaper online?

  7. Lorette Glenn

    Cheaper not always better. I live in Provo, Utah. Quoted with Amica, Encompass, and Sentry for my 2011 Dodge Journey and saved just over $570 a year. Left Encompass to switch. I recommend comparing lots of rates.

  8. Magaly Graves

    In Biloxi, Mississippi compare Allstate with GEICO and see which is best.

  9. Jacqulyn Flynn

    Hope my car insurance gets cheaper. I live on the north side of Grand Rapids, MI. Received prices from State Farm, Auto-Owners, and some I forget for my 2011 Dodge Journey and saved just over $500 a year. LOL

  10. Cortney Cotton

    Nice post. From northwest of Warren, MI. Quoted with Hanover, American Family, Nationwide, and a couple others for my Dodge and saved $204 a year. Was with American Family. A clean driving record helps. They offer free online rate quotes.

  11. Katelyn Martin

    All companies are crooks. From Virginia Beach, VA. Not sure of all the companies but I ended up saving about $60 each month. I get lower rates because of my clean driving record. Just waiting to see how claims go.

  12. Vernita Lang

    In Little Rock, AR, Auto-Owners had the best rates for my 2011 Dodge Journey. It was easy to get rates.