2012 Dodge Journey Insurance Quotes

Trying to find cheaper car insurance rates for your Dodge Journey? There isn’t a single person who is fond of buying car insurance, especially knowing they are paying too much. You have multiple insurers to choose from, and although it’s nice to have a choice, too many choices makes it more difficult to compare rates.

The method we recommend to compare car insurance rates is to know most insurance companies participate in online systems to compare their rates. To get started, all you need to do is provide details like if a SR-22 is needed, what your job is, deductibles desired, and the make and model of your vehicles. Your rating data is instantly sent to many of the top insurers and they provide comparison quotes instantly.

To find the cheapest car insurance rates, click here and enter the information requested.

Informed drivers know how to quote insurance cheaper

Consumers need to have an understanding of some of the things that help calculate your insurance rates. When consumers understand what determines base rates, this helps enable you to make changes that could help you find lower rates.

Shown below are some of the items utilized by car insurance companies to help set your rate level.

  • What’s your car’s NHTSA crash test rating? – Cars with high safety ratings tend to have better insurance rates. Highly rated vehicles protect occupants better and reduced instances of injuries means lower claim amounts which can result in lower premiums. If your Dodge Journey scored better than four stars on Safercar.gov you may pay a lower rate.
  • Pay more if you have a long commute – Being located in less populated areas may provide you with better prices when it comes to insurance. Drivers in populated areas tend to have more road rage incidents and much longer commute distances. Less people translates into fewer accidents.
  • Raise physical damage deductibles and save – Physical damage coverage, also called ‘full coverage’, is used to repair damage to your Dodge. Examples of covered claims are a broken side mirror, collision with an animal, and windstorm damage. Your deductibles define how much you are required to spend out-of-pocket before your insurance pays a claim. The more you pay before a claim is paid (deductible), the lower your rates will be for Journey insurance.
  • Car plus home equals more savings – The majority of insurance companies will award better rates for people that purchase more than one policy such as combining an auto and homeowners policy. Discounts can add up to as much as ten percent or more Even if you’re getting this discount you may still want to shop around to ensure the best deal.
  • Teen vs. older drivers – Teenage drivers are statistically shown to be inattentive when behind the wheel therefore insurance rates are much higher. Older insureds tend to be more responsible, cause fewer claims and accidents and are safer drivers.

Find discounts on insurance auto insurance

Car insurance is not cheap, but there could be significant discounts that you may not even know about. Larger premium reductions will be automatically applied at the time of quoting, but less common discounts must be asked for prior to receiving the credit. If you aren’t receiving every discount you deserve, you could be saving more on your auto insurance.

  • ABS and Traction Control Discounts – Vehicles with ABS braking systems or traction control have fewer accidents so companies give up to a 10% discount.
  • Senior Citizens – Mature drivers could receive a small discount on rates for Journey insurance.
  • Federal Government Employee – Federal government employees can earn a discount up to 10% for Journey insurance but check with your company.
  • Driving Data Discount – Insureds who allow their auto insurance company to track when and where they use their vehicle by using a small device installed in their vehicle such as Progressive’s Snapshot and State Farm’s In-Drive could save a few bucks if they are good drivers.
  • E-sign Discounts</strong – A few auto insurance companies may give you up to $50 just for signing your application on their website.
  • Safe Driver Discounts – Accident-free drivers can get discounts for up to 45% lower rates for Journey insurance compared to rates paid by drivers with frequent claims.
  • Low Mileage Discounts – Driving less could qualify for better auto insurancerates on cars that stay parked.
  • Discount for Good Grades – Excelling in school can save 20 to 25%. Many companies even apply the discount to college students up to age 25.
  • Accident Forgiveness – Not necessarily a discount, but some companies like Libery Mutual, GEICO and Allstate permit an accident before hitting you with a surcharge if you have no claims prior to being involved in the accident.

Discounts save money, but please remember that most discount credits are not given the the whole policy. Some only apply to specific coverage prices like liability and collision coverage. Despite the appearance that having all the discounts means you get insurance for free, it’s just not the way it works. Any qualifying discounts will definitely reduce your policy cost.

Auto insurance companies that may have these money-saving discounts possibly include:

Before purchasing a policy, check with all the companies to give you their best rates. A few discounts may not apply to policyholders in your area. To see insurers that have a full spectrum of discounts, click here to view.

Tailor your insurance coverage coverage to you

When buying proper insurance coverage for your personal vehicles, there really is no cookie cutter policy. Coverage needs to be tailored to your specific needs so your insurance should reflect that For example, these questions could help you determine whether your personal situation would benefit from professional advice.

  • What companies insure drivers after a DUI or DWI?
  • Can I afford low physical damage deductibles?
  • Is business property covered if stolen from my car?
  • Can I afford to pay high deductible claims out of pocket?
  • What is PIP insurance?
  • Am I covered when pulling a rental trailer?
  • Does my personal policy cover me when driving out-of-state?
  • What discounts do I qualify for?

If you’re not sure about those questions but you know they apply to you, you might consider talking to a licensed insurance agent. To find lower rates from a local agent, simply complete this short form or you can go here for a list of companies in your area. It is quick, free and you can get the answers you need.

Educate yourself about insurance coverages

Knowing the specifics of your policy aids in choosing the best coverages for your vehicles. Insurance terms can be confusing and even agents have difficulty translating policy wording. Listed below are typical coverages offered by insurance companies.

Comprehensive (Other than Collision)

This covers damage caused by mother nature, theft, vandalism and other events. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for claims like hail damage, a tree branch falling on your vehicle and hitting a bird. The highest amount you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Collision coverage protection

Collision insurance pays for damage to your Journey caused by collision with an object or car. A deductible applies and then insurance will cover the remainder.

Collision coverage protects against things such as crashing into a ditch, sustaining damage from a pot hole and sideswiping another vehicle. Paying for collision coverage can be pricey, so consider removing coverage from older vehicles. You can also raise the deductible to get cheaper collision coverage.

Protection from uninsured/underinsured drivers

This coverage protects you and your vehicle’s occupants when the “other guys” are uninsured or don’t have enough coverage. Covered claims include hospital bills for your injuries and also any damage incurred to your Dodge Journey.

Due to the fact that many drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage should not be overlooked. Most of the time your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.

Auto liability insurance

Liability coverage protects you from damage or injury you incur to people or other property. It protects you from claims by other people. It does not cover damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see liability limits of 25/50/25 that means you have a $25,000 limit per person for injuries, a per accident bodily injury limit of $50,000, and a limit of $25,000 paid for damaged property. Occasionally you may see a combined limit which limits claims to one amount and claims can be made without the split limit restrictions.

Liability coverage pays for claims like medical services, medical expenses and attorney fees. How much liability should you purchase? That is a personal decision, but it’s cheap coverage so purchase as much as you can afford.

Medical expense insurance

Personal Injury Protection (PIP) and medical payments coverage reimburse you for bills such as dental work, rehabilitation expenses, surgery and X-ray expenses. They are often utilized in addition to your health insurance policy or if you do not have health coverage. It covers not only the driver but also the vehicle occupants and will also cover any family member struck as a pedestrian. Personal Injury Protection is only offered in select states but can be used in place of medical payments coverage

Smart consumers save more

Some companies do not provide online rate quotes smaller providers provide coverage only through independent agents. Affordable 2012 Dodge Journey insurance can be purchased on the web in addition to local insurance agencies, and you should be comparing both to have the best selection.

As you quote insurance coverage, it’s not a good idea to buy lower coverage limits just to save a few bucks. In many instances, consumers will sacrifice physical damage coverage to discover at claim time that it was a big error on their part. The aim is to purchase plenty of coverage at the best possible price.

To read more, link through to these articles:

Comments About 2012 Dodge Journey Insurance

  1. Elli Ryan

    Will 21st Century raise rates if I file a claim?

  2. Kristina Buck

    If you have a good history and live in the vicinity of Lexington, Kentucky, check out 21st Century. You might get cheaper rates. Was with American Family. I even had a DUI years ago.

  3. Nelda Nicholson

    I got decent rates for a 2012 Dodge Journey in South Burlington, VT. Ended up at right around $530 every six months with American Family. Online quotes are the way to go.

  4. Tamiko Woodward

    From Aberdeen, SD. Received quotes from Allstate, Hartford, and Eastwood for my Dodge and I’m now saving $35 a month. Left Safeco to switch.

  5. Johanne Montgomery

    IT’S ALL TOO EXPENSIVE! I live in a small town just outside of Los Angeles, California. Quoted rates from AAA, MetLife, and Western Auto Insurance for my Journey and saved just over $130 a year. My new agent seems to be really good. Not sure if rates are cheaper online or not.

  6. Gil Roman

    Live in Dover, DE. Got free quotes online for a 2012 Dodge Journey. Ended up at about $150 savings annually. Went with 21st Century. Insured with Progressive before.