Comparing and finding cheap premium rates for insurance coverage is kind of frustrating for people not familiar with online comparison shopping. With such a large choice of insurers to choose from, it can quickly become a ton of work to find the best price.
There are a lot of ways to compare insurance coverage prices but some are less labor-intensive and much quicker. You can waste a lot of time talking to insurance agencies in your area, or you could save time and use the internet to get prices fast.
Most of the best insurance companies take part in a program that allows shoppers to complete one form, and at least one company provides a quote based on the submitted data. This system prevents you from having to do repetitive form submissions to each individual insurance coverage company.
To get comparison pricing now click to open in new window.
The only drawback to getting quotes like this is you are unable to specify the companies to get quotes from. So if you prefer to pick specific insurance companies to compare rates, we put together a list of the cheapest insurance coverage companies in your area. Click here for list of insurance companies.
It’s up to you which method you use, but be certain you are entering apples-to-apples information for every company. If each company quotes different limits and deductibles on each one then you won’t be able to determine the best price for your Dodge Journey. Slightly different coverage limits can make a big difference in price. It’s important to know that comparing more quotes helps locate the best price.
When choosing coverage for your personal vehicles, there is no single plan that fits everyone. Everyone’s situation is unique.
For example, these questions can help discover whether your personal situation would benefit from professional advice.
If you’re not sure about those questions but one or more may apply to you, you might consider talking to an insurance agent. If you want to speak to an agent in your area, complete this form.
Having a good grasp of a auto insurance policy aids in choosing which coverages you need at the best deductibles and correct limits. Auto insurance terms can be confusing and even agents have difficulty translating policy wording.
This coverage pays to fix your vehicle from damage resulting from a collision with a stationary object or other vehicle. You first must pay a deductible and the rest of the damage will be paid by collision coverage.
Collision coverage pays for things like sideswiping another vehicle, hitting a parking meter and colliding with a tree. Collision is rather expensive coverage, so consider removing coverage from lower value vehicles. You can also raise the deductible to get cheaper collision coverage.
Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other motorists when they do not carry enough liability coverage. Covered losses include injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.
Since a lot of drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Frequently the UM/UIM limits do not exceed the liability coverage limits.
This coverage covers damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then your comprehensive coverage will pay.
Comprehensive insurance covers claims like damage from a tornado or hurricane, rock chips in glass and theft. The most a auto insurance company will pay at claim time is the market value of your vehicle, so if it’s not worth much more than your deductible consider dropping full coverage.
Medical payments and Personal Injury Protection insurance kick in for immediate expenses for things like EMT expenses, nursing services, hospital visits, ambulance fees and pain medications. The coverages can be used in conjunction with a health insurance plan or if you do not have health coverage. They cover all vehicle occupants and also covers if you are hit as a while walking down the street. PIP coverage is not available in all states and may carry a deductible
This will cover damages or injuries you inflict on other’s property or people that is your fault. This coverage protects you from claims by other people. It does not cover your own vehicle damage or injuries.
Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. Your policy might show values of 50/100/50 that translate to a limit of $50,000 per injured person, a limit of $100,000 in injury protection per accident, and a total limit of $50,000 for damage to vehicles and property. Some companies may use a combined limit which provides one coverage limit without having the split limit caps.
Liability insurance covers claims such as structural damage, medical services, court costs and legal defense fees. How much liability should you purchase? That is your choice, but consider buying as high a limit as you can afford.