2016 Dodge Journey Insurance Quotes – 7 Savings Tips

Searching for better auto insurance rates for your Dodge Journey? Locating discount auto insurance can be difficult for drivers who are beginners to quoting and buying insurance on the internet. With so many agents and companies, how can drivers efficiently compare every possible option in order to find the lowest rates?

Buying the lowest cost insurance coverage can be fairly easy. In a nutshell, every vehicle owner who buys insurance coverage stands a good chance to be able to find lower rates. But drivers benefit from understanding the way insurance companies market insurance on the web because it can help you find the best coverage.

Low cost car insurance prices

Comparing car insurance rates can be exhausting if you don’t utilize the most efficient way. You could spend the better part of a day talking about coverages with local insurance agents in your area, or you could use online quotes to get the quickest rates.

Many of the larger companies enroll in a system that allows shoppers to submit their information once, and each participating company then gives them pricing for coverage. This system prevents you from having to do form submissions to each company.

To use this form to compare rates click to open in new window.

The one disadvantage to using this type of form is that you can’t choose which providers to receive prices from. If you wish to select from a list of companies to compare prices, we have assembled a list of the cheapest car insurance companies in your area. View list of insurance companies.

It’s your choice how you get your quotes, but make sure you are using exactly the same coverage limits on every quote you get. If you have unequal deductibles or liability limits it will be next to impossible to determine which company has the best rates. Just a small difference in insurance coverages could throw off the whole comparison. And when comparison shopping, comparing more company’s prices helps improve the odds of finding a lower rate.

Auto insurance can be complex

When buying coverage, there really is no best way to insure your cars. Everyone’s needs are different.

Here are some questions about coverages that might point out whether or not you could use an agent’s help.

• Why am I required to get a high-risk car insurance policy?
• Will I be non-renewed for getting a DUI or other conviction?
• Should I drop comprehensive coverage on older vehicles?
• Will I lose any money if I cancel my policy before it expires?
• Am I covered when pulling a rental trailer?
• Is my cargo covered for damage or theft?
• Do I need special endorsements for business use of my vehicle?

If you don’t know the answers to these questions but one or more may apply to you, then you may want to think about talking to an insurance agent. If you want to speak to an agent in your area, fill out this quick form.

Car insurance coverage breakdown

Having a good grasp of your car insurance policy helps when choosing which coverages you need at the best deductibles and correct limits. Car insurance terms can be ambiguous and reading a policy is terribly boring.

Auto liability

This coverage will cover damage or injury you incur to people or other property by causing an accident. Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see liability limits of 25/50/25 that translate to $25,000 bodily injury coverage, a total of $50,000 of bodily injury coverage per accident, and a total limit of $25,000 for damage to vehicles and property. Some companies may use a combined limit which limits claims to one amount and claims can be made without the split limit restrictions.

Liability insurance covers things such as court costs, pain and suffering, structural damage and attorney fees. How much coverage you buy is up to you, but it’s cheap coverage so purchase as much as you can afford.

Collision protection

This will pay to fix damage to your Journey caused by collision with a stationary object or other vehicle. You have to pay a deductible and then insurance will cover the remainder.

Collision coverage protects against claims such as hitting a mailbox, crashing into a ditch, colliding with another moving vehicle and driving through your garage door. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are older. Another option is to increase the deductible to save money on collision insurance.

Coverage for uninsured or underinsured drivers

Uninsured or Underinsured Motorist coverage gives you protection when the “other guys” are uninsured or don’t have enough coverage. It can pay for injuries sustained by your vehicle’s occupants as well as damage to your Dodge Journey.

Since a lot of drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is very important. Normally these limits are set the same as your liablity limits.

Comprehensive car insurance

Comprehensive insurance pays to fix your vehicle from damage from a wide range of events other than collision. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive insurance covers things such as a tree branch falling on your vehicle, vandalism and rock chips in glass. 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 consider dropping full coverage.

Coverage for medical expenses

Med pay and PIP coverage pay for bills like EMT expenses, chiropractic care, ambulance fees, pain medications and nursing services. They are often utilized in addition to your health insurance policy or if you are not covered by health insurance. It covers both the driver and occupants and also covers being hit by a car walking across the street. Personal injury protection coverage is not universally available and may carry a deductible