2014 Dodge Journey Insurance Cost

Searching for the cheapest insurance coverage rates for your Dodge Journey? Price shopping your Driversinsurance coverage could be hard for drivers who are beginners to buying insurance online. Drivers have so many agents and companies to choose from that it can easily turn into a chore to find better rates.

It’s smart to do price comparisons yearly because rates are rarely the same from one policy term to another. Despite the fact that you may have had the best rate for Journey insurance last year you may be paying too much now. Block out anything you think you know about insurance coverage because you’re about to learn how to use online quotes to find the best coverage while lowering your premiums.

If you are paying for car insurance now, you will most likely be able to save some money using this strategy. This article will instruct you on the best way to quote coverages and some tricks to saving. But vehicle owners must understand how insurance companies market insurance on the web and use this information to your advantage.

Why you might pay lower rates

Lots of factors are part of the equation when quoting car insurance. Most are fairly basic such as your driving history, but other factors are not quite as obvious such as your credit history and annual miles driven.Consumers need to have an understanding of the factors that help determine the level of your policy premiums. If you have some idea of what determines premiums, this empowers consumers to make smart changes that will entitle you to lower rates.

The items below are most of the major factors that factor into your rate level.

  • Theft deterrents lower prices – Driving a car with a theft deterrent system can earn a premium discount. Anti-theft features like vehicle immobilizer systems, OnStar, and tracking devices like LoJack help track and prevent auto theft.
  • High comp and collision deductibles save money – Deductibles for physical damage are how much you are willing to pay in the event of a claim. Physical damage coverage, commonly called comprehensive (or other-than-collision) and collision coverage, covers damage that occurs to your car. Some coverage claims are collision with another vehicle, damage caused by hail, and damage caused by road hazards. The higher the amount you choose to pay out-of-pocket, the lower your rates will be for Journey insurance.
  • Vocation can influence rates – Occupational choices like real estate brokers, architects and emergency personnel tend to pay higher premium rates in part from stressful work requirements and long work hours. Conversely, professions such as actors, students and homemakers pay the least for Journey insurance.
  • Pay lower prices after the wedding – Getting married helps lower the price when shopping for auto insurance. Having a spouse may mean you are more responsible it has been statistically shown that married drivers tend to have fewer serious accidents.
  • Buy a safe car and pay less – Safer cars can get you lower premiums. Highly rated vehicles help reduce the chance of injuries in an accident and any reduction in injury severity means less claims paid and thus lower rates. If your Dodge Journey scored at minimum an “acceptable” rating on the Insurance Institute for Highway Safety website you may be receiving a better rate.
  • Cheaper rates by bundling – Lots of insurance companies apply a discount to insureds that buy multiple policies in the form of a multi-policy discount. Discounts can amount to ten or even up to twenty percent in some cases. Even with this discount applied, it’s still a good idea to comparison shop to confirm you are receiving the best rates possible. It’s possible to still find better rates by splitting coverages up.
  • Be proud to be claim-free – If you file claims often, you should expect increased rates or even have your policy non-renewed. Car insurance companies provide the lowest premiums to policyholders that do not abuse their auto insurance. Auto insurance is meant to be used in the event of the large, substantial claims.

Discounts for affordable car insurance rates

Not too many consumers would say car insurance is affordable, but there could be significant discounts that many people don’t even know exist. Some discounts will apply at the time of purchase, but some discounts are required to be specially asked for in order for you to get them.

  • No Accidents – Insureds with no claims or accidents are rewarded with significantly better rates on auto insurance quote in comparison to insureds who have frequent claims or accidents.
  • Use Seat Belts – Buckling up and requiring all passengers to use a seat belt could save 15% off PIP or medical payments premium.
  • Defensive Driver Discount – Taking part in a driver safety class may get you a small discount and easily pay for the cost of the class.
  • Clubs and Organizations – Belonging to a qualifying organization could earn you a nice discount when shopping for car insurance.
  • ABS and Traction Control Discounts – Cars and trucks with ABS and/or traction control have fewer accidents so you can save 10 percent or more.
  • Low Mileage Discounts – Fewer annual miles on your Dodge may enable drivers to earn cheaper rates.
  • Waiver for an Accident – but companies like State Farm and GEICO may permit one accident before raising your premiums if your claims history is clear for a certain period of time.
  • Distant College Student Discount – Youth drivers who live away from home at college without a vehicle on campus may be able to be covered for less.

As a sidenote, most discount credits are not given the the whole policy. Most only apply to the cost of specific coverages such as physical damage coverage or medical payments. Even though it may seem like all those discounts means the company will pay you, companies don’t profit that way.

A list of companies and some of their more popular discounts can be read below.

  • Farm Bureau offers premium reductions for renewal discount, good student, multi-vehicle, driver training, multi-policy, and safe driver.
  • Liberty Mutual may include discounts for multi-car, newly married, good student, new graduate, exclusive group savings, and new move discount.
  • State Farm has discounts for driver’s education, safe vehicle, defensive driving training, Steer Clear safe driver discount, multiple policy, and good driver.
  • Auto-Owners Insurance discounts include paid in full, company car, student away at school, air bags, multi-policy, safe driver, and good student.
  • GEICO may have discounts that include defensive driver, five-year accident-free, emergency military deployment, federal employee, and driver training.
  • SAFECO offers discounts including accident prevention training, drive less, homeowner, anti-lock brakes, anti-theft, and teen safety rewards.

Before buying, ask every insurance company the best way to save money. A few discounts may not apply in your area.

Tailor your car insurance coverage to you

When buying adequate coverage for your personal vehicles, there really is not a cookie cutter policy. Every insured’s situation is different.

For example, these questions may help you determine whether you might need an agent’s assistance.

  • Does liability extend to a camper or trailer?
  • Do I need added coverage for expensive stereo equipment?
  • When do I need to add a new car to my policy?
  • What discounts do I qualify for?
  • Should I put collision coverage on all my vehicles?
  • Why am I required to buy liability insurance?

If you don’t know the answers to these questions but you know they apply to you, then you may want to think about talking to a licensed agent. To find an agent in your area, take a second and complete this form.

Parts of your auto insurance policy

Understanding the coverages of auto insurance can help you determine appropriate coverage and proper limits and deductibles. Policy terminology can be impossible to understand and even agents have difficulty translating policy wording.

Coverage for liability

This will cover damages or injuries you inflict on people or other property that is your fault. This insurance protects YOU against claims from other people, and doesn’t 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. Your policy might show values of 50/100/50 which stand for $50,000 bodily injury coverage, a total of $100,000 of bodily injury coverage per accident, and a limit of $50,000 paid for damaged property.

Liability can pay for claims like medical expenses, medical services, structural damage and emergency aid. How much liability should you purchase? That is up to you, but consider buying as high a limit as you can afford.

Medical expense coverage

Personal Injury Protection (PIP) and medical payments coverage provide coverage for immediate expenses such as rehabilitation expenses, nursing services and X-ray expenses. They are often used to fill the gap from your health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover all vehicle occupants as well as getting struck while a pedestrian. PIP is not universally available but can be used in place of medical payments coverage

Collision protection

This coverage pays for damage to your Journey resulting from a collision with a stationary object or other vehicle. You have to pay a deductible then your collision coverage will kick in.

Collision can pay for claims like scraping a guard rail, rolling your car and hitting a parking meter. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Drivers also have the option to bump up the deductible to bring the cost down.

Uninsured or underinsured coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle from other drivers when they do not carry enough liability coverage. Covered claims include hospital bills for your injuries and damage to your Dodge Journey.

Due to the fact that many drivers carry very low liability coverage limits, their limits can quickly be used up. So UM/UIM coverage is a good idea.

Comprehensive protection

Comprehensive insurance pays for damage OTHER than collision with another vehicle or object. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for claims such as theft, rock chips in glass and damage from flooding. The highest amount a auto insurance company will pay at claim time is the actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Cheaper insurance is a realistic goal

We just covered quite a bit of information on how to compare 2014 Dodge Journey insurance car insurance rates online. The most important thing to understand is the more rate quotes you have, the better chance you’ll have of finding inexpensive auto insurance. You may be surprised to find that the lowest car insurance rates are with the least-expected company.

Lower-priced 2014 Dodge Journey insurance is available online in addition to many insurance agents, and you should be comparing both to have the best chance of lowering rates. A few companies don’t offer price quotes online and usually these regional carriers only sell coverage through independent insurance agencies.

While you’re price shopping online, do not buy less coverage just to save a little money. There are a lot of situations where an insured dropped liability coverage limits to discover at claim time that saving that couple of dollars actually costed them tens of thousands. The ultimate goal is to buy a smart amount of coverage for the lowest price while still protecting your assets.

Additional learning opportunities

Comments About 2014 Dodge Journey Insurance

  1. Felicita Velez

    Nice info. Lifelong resident of Portland, ME. Quoted quotes from State Farm, The General, and Erie for my Dodge and saved $429 a year. Left Encompass to switch.

  2. Daron Moss

    Is 21st Century or Erie cheap in Mobile, AL?

  3. Edwin Suarez

    I was with The General last year but switched to GEICO. From Manchester, New Hampshire. They have a lot of discounts available.

  4. Fidel Beck

    From northwest of Salem, OR. Compared quite a few companies. Saved about $30 a month. State Farm was the most affordable for me. My new agent seems to be really good.

  5. Britteny Short

    If you’re a decent driver and are close to San Jose, CA, check out Allstate. I saved quite a bit.

  6. Glenn Crosby

    I’m in the suburbs of Virginia Beach, VA. Got car insurance prices from Progressive, AAA, Esurance, and Hartford for my 2014 Dodge Journey and I’m now saving $31 a month.

  7. Vonnie Hooper

    Does GEICO offer multi-policy discounts?

  8. Donya Emerson

    Will 21st Century do a SR22 in North Carolina?

  9. Claudine Williams

    Cheap car insurance? What’s that? Found cheapest coverage with Allstate for my Journey and saved around $560 a year. Insured with Esurance before. Have an at-fault accident tho. Did it all online.

  10. Carson Landry

    Got a quote with Esurance for my 2014 Dodge Journey and cut my rates about $140 a year. Left Hartford to switch.