2015 Dodge Journey Car Insurance Cost – 10 Tips to Save

Trying to find better insurance rates? Buyers have a choice when searching for low-cost Dodge Journey insurance. They can either waste time struggling with agents getting price quotes or use the internet to compare rates.

There is a right way and a wrong way to find insurance online so we’re going to tell you the best way to get price quotes on a Dodge and find the best price possible.

The purpose of this post is to introduce you to how car insurance quotes work and some tips to save money. If you are paying for car insurance now, you should be able to save some money using these tips. Drivers just need to learn the tricks to get comparison quotes on the web.

Where can I get the cheapest auto insurance?

There are a lot of ways to shop for auto insurance, but there is one way that is easier and takes less work. You could waste a few hours talking about coverages with local insurance agents in your area, or you could save time and use online quotes to get the quickest rates.

Most car insurance companies participate in an industry program that enables customers to complete one form, and each participating company then returns a price quote for coverage. This eliminates the need for quotation requests to each individual auto insurance company.

To compare rates now click here to open in new window.

The only downside to pricing coverage this way is you are unable to specify which insurance companies to receive prices from. So if you want to choose individual companies to compare prices, we have a listing of auto insurance companies in your area. Click to view list.

Compare rates however you want, just compare identical deductibles and coverage limits with every price quote. If you are comparing different liability limits you will not be able to decipher which rate is best.

Save with these ten money-saving discounts

Insurance coverage is neither fun to buy or cheap, but you might find some hidden discounts to help offset the cost. Many discounts should be triggered at the time you complete a quote, but some must be manually applied prior to receiving the credit. If you aren’t receiving every discount you qualify for, you are throwing money away.

• Homeowners Savings – Owning your own home or condo may trigger a policy discount on insurance coverage since home ownership shows financial diligence.
• Drive Less and Save – Maintaining low annual mileage can qualify you for substantially lower rates.
• Membership in Organizations – Joining qualifying employment or professional organizations could earn you a nice discount on your bill.
• Driver Safety – Participating in a course teaching driver safety skills could save 5% or more and also improve your driving technique.
• Federal Employees – Having worked for a branch of the government could qualify for a slight premium decrease for Journey coverage but check with your company.
• No Claim Discounts – Insureds with no claims or accidents pay less when compared to bad drivers.
• First Accident Forgiveness – This one isn’t a discount, but companies like Liberty Mutual and Geico allow you one accident without raising rates so long as you haven’t had any claims for a particular time prior to the accident.
• Distant College Student Discount – College-age children who are enrolled in higher education away from home and do not have access to a covered vehicle could qualify for this discount.
• Discounts for Seat Belt Usage – Forcing all vehicle occupants to use a seat belt can save 10% or more off the personal injury premium cost.
• Senior Citizen Discount – If you qualify as a senior citizen, you can get better insurance coverage rates for Journey coverage.

It’s important to note that many deductions do not apply to the entire cost. Most only apply to specific coverage prices like comp or med pay. So even though it sounds like all the discounts add up to a free policy, that’s just not realistic. But any discount will definitely lower your overall premium however.

A list of companies and a selection of discounts can be found below.

• State Farm offers discounts for safe vehicle, Steer Clear safe driver discount, good student, accident-free, and multiple policy.
• Liberty Mutual offers premium reductions for multi-policy, hybrid vehicle, safety features, new graduate, exclusive group savings, multi-car, and good student.
• American Family has discounts for air bags, TimeAway discount, bundled insurance, accident-free, and good driver.
• Progressive may offer discounts for homeowner, online signing, continuous coverage, good student, and multi-vehicle.
• Farmers Insurance offers discounts including youthful driver, good student, early shopping, teen driver, electronic funds transfer, alternative fuel, and distant student.
• Auto-Owners Insurance discounts include teen driver, safe vehicle, safe driver, paid in full, air bags, paperless, and student away at school.
• SAFECO may include discounts for drive less, multi-car, bundle discounts, anti-lock brakes, accident prevention training, safe driver, and homeowner.

Double check with every prospective company how many discounts you can get. All car insurance discounts might not be offered in your area.

Do I need special coverages?

When choosing coverage, there is no “best” method to buy coverage. Your needs are not the same as everyone else’s.

Here are some questions about coverages that could help you determine whether or not you may require specific advice.

• Where can I get insurance after a DUI in my state?
• I don’t drive much so do I pay less?
• Do I have any recourse if my insurance company denies a claim?
• Why am I required to get a high-risk car insurance policy?
• What is PIP insurance?
• Do I need added coverage for expensive stereo equipment?

If you’re not sure about those questions but you think they might apply to your situation, then you may want to think about talking to a licensed insurance agent. To find lower rates from a local agent, simply complete this short form. It is quick, free and can provide invaluable advice.

Car insurance coverage specifics

Having a good grasp of your car insurance policy aids in choosing the right coverages for your vehicles. The terms used in a policy can be impossible to understand and nobody wants to actually read their policy.

Coverage for collisions

Collision coverage will pay to fix damage to your Journey from colliding with a stationary object or other vehicle. You will need to pay your deductible then your collision coverage will kick in.

Collision coverage protects against things like rolling your car, colliding with a tree, scraping a guard rail, hitting a mailbox and crashing into a ditch. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are older. You can also choose a higher deductible to get cheaper collision coverage.

Uninsured or underinsured coverage

This gives you protection when other motorists are uninsured or don’t have enough coverage. It can pay for hospital bills for your injuries and damage to your Dodge Journey.

Since many drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea. Frequently the UM/UIM limits are identical to your policy’s liability coverage.

Medical expense coverage

Med pay and PIP coverage kick in for immediate expenses for ambulance fees, doctor visits and X-ray expenses. The coverages can be used in conjunction with a health insurance policy or if there is no health insurance coverage. Coverage applies to you and your occupants and also covers if you are hit as a while walking down the street. Personal injury protection coverage is not available in all states and may carry a deductible

Comprehensive protection

This coverage pays for damage from a wide range of events other than collision. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against things such as falling objects, damage from a tornado or hurricane, a broken windshield and hitting a deer. The maximum payout you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle’s value is low consider dropping full coverage.

Liability

Liability coverage can cover damages or injuries you inflict on other people or property by causing an accident. This coverage protects you from claims by other people. Liability doesn’t cover your injuries or vehicle damage.

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 commonly see policy limits of 100/300/100 which means $100,000 bodily injury coverage, a total of $300,000 of bodily injury coverage per accident, and a total limit of $100,000 for damage to vehicles and property. Occasionally you may see a combined single limit or CSL which provides one coverage limit with no separate limits for injury or property damage.

Liability coverage protects against claims like court costs, repair costs for stationary objects, funeral expenses, medical services and medical expenses. How much coverage you buy is a personal decision, but consider buying as large an amount as possible.