Lower Your 2018 Dodge Journey Insurance Quotes

Consumers have many options when looking for affordable Dodge Journey insurance. You can either waste hours contacting agents getting price quotes or utilize the internet to compare rates.

There is a right way and a wrong way to buy insurance coverage so you’re going to learn the quickest way to get price quotes on a Dodge and obtain the cheapest rates.

This information will introduce you to how to effectively get price quotes. If you are paying for car insurance now, you stand a good chance to be able to cut costs considerably using this information. Drivers just need to know the most efficient way to compare rates online.

Compare free car insurance quotes

There are several ways to compare car insurance prices and some are more efficient than others. You could waste time discussing policy coverages with insurance companies in your area, or you could save time and use the web to get the quickest rates.

Most of the larger companies participate in an industry program that allows shoppers to only type in their quote data once, and each company can provide price quotes determined by their information. This prevents consumers from doing repetitive form submissions for each company.

To find out how much you’re overpaying now click to open in new window.

The one downside to using this type of form is you are unable to specify the providers to get pricing from. If you prefer to choose specific insurance companies to compare rates, we have a page of the cheapest car insurance companies in your area. Click here for list of insurance companies.

Compare rates however you want, just be sure you’re using the same coverages with each company. If each company quotes different values for each quote it will be next to impossible to truly determine the lowest rate.

Verify you’re getting every discount

Some companies do not list every available discount very well, so the list below contains both the well known as well as some of the hidden credits available to bring down your rates.

  • Homeowners Discount – Being a homeowner can save a few bucks because it shows financial diligence.
  • No Claim Discounts – Drivers with accident-free driving histories pay much less in comparison to bad drivers.
  • ABS Brakes – Cars and trucks with ABS and/or traction control can avoid accidents and will save you 10% or more.
  • Multi-car Discount – Insuring more than one vehicle with one company can reduce rates for all insured vehicles.
  • Discount for New Cars – Buying insurance on a new vehicle can save you some money because newer vehicles are generally safer.
  • Memberships – Being a member of a professional or civic organization is a simple method to lower premiums on your policy.
  • Fewer Miles Equal More Savings – Driving fewer miles may enable drivers to earn discounted rates on garaged vehicles.
  • Full Payment Discount – If you pay your bill all at once rather than paying monthly you can actually save on your bill.

As a sidenote, many deductions do not apply to your bottom line cost. Most only apply to individual premiums such as medical payments or collision. Just because you may think it’s possible to get free car insurance, it’s just not the way it works.

A few of the larger companies and a selection of discounts can be found below.

  • American Family may have discounts that include multi-vehicle, Steer into Savings, good student, accident-free, mySafetyValet, and early bird.
  • Farm Bureau may include discounts for 55 and retired, renewal discount, youthful driver, multi-vehicle, and good student.
  • State Farm offers discounts including passive restraint, defensive driving training, multiple policy, Steer Clear safe driver discount, and good student.
  • Travelers offers premium reductions for multi-car, home ownership, hybrid/electric vehicle, payment discounts, save driver, and new car.
  • The Hartford discounts include good student, defensive driver, vehicle fuel type, bundle, driver training, and anti-theft.
  • GEICO has discounts for defensive driver, membership and employees, emergency military deployment, anti-theft, air bags, and federal employee.
  • Progressive offers discounts for multi-policy, multi-vehicle, continuous coverage, good student, and online signing.

If you need lower rates, check with every insurance company which credits you are entitled to. Savings might not be offered in your area. If you would like to see a list of insurance coverage companies who offer insurance coverage discounts, follow this link.

When should I discuss my situation with an agent?

When it comes to buying adequate coverage for your vehicles, there really is no “best” method to buy coverage. Your needs are not the same as everyone else’s.

These are some specific questions may help you determine whether your personal situation would benefit from an agent’s advice.

  • Is my trailer covered?
  • Is extra glass coverage worth it?
  • What is the minimum liability in my state?
  • When do I need to add a new car to my policy?
  • Do I need roadside assistance coverage?
  • Does my policy pay for OEM or aftermarket parts?
  • When should I drop full coverage on my 2018 Dodge Journey?
  • How much can I save by bundling my policies?
  • Am I covered if I wreck a rental car?

If you don’t know the answers to these questions, then you may want to think about talking to a licensed insurance agent. If you don’t have a local agent, take a second and complete this form. It’s fast, doesn’t cost anything and can help protect your family.

Choices you make can impact your insurance premiums

Consumers need to have an understanding of the rating factors that are used to determine the rates you pay for insurance. When you know what positively or negatively determines premiums, this enables informed choices that could result in better insurance rates. Lots of factors are used in the calculation when quoting car insurance. Some of the criteria are obvious like an MVR report, but some are less apparent like your continuous coverage or how safe your car is.

  • Car and home together may be cheaper – Most major insurance companies allow lower prices to policyholders who carry more than one policy such as combining an auto and homeowners policy. Even if you already get this discount, you still need to compare other insurance prices to make sure you are getting the best deal.
  • High credit scores save money – Having a good credit history is a big factor in determining what you pay. If your credit score could use some work, you may save money insuring your 2018 Dodge Journey by spending a little time repairing your credit. People with very high credit ratings tend to be better risks to insure than those with poor credit.
  • Location can influence price – Living in less populated areas of the country may provide you with better prices when buying insurance. Lower population translates into fewer accident claims. Urban drivers tend to have more road rage incidents and longer commutes to work. Higher commute times statistically corresponds to a higher accident and claim rate.
  • Your vocation may affect premiums – Did you know that where you work can have an impact on rates? Jobs like doctors, executives and emergency personnel generally pay higher average rates in part from high stress levels and lots of time spent at work. Conversely, careers like actors, students and the unemployed get better rates on Journey insurance.
  • If you don’t need it don’t buy it – There are a lot of extra add-on coverages that sound like a good idea at the time if you aren’t diligent. Add-on coverages like vanishing deductibles, accidental death, and membership fees may be wasting your money. They may seem like a good idea when talking to your agent, but if you have no use for them remove them and pocket the money.
  • Raising coverage deductibles saves money – Comprehensive and collision coverage deductibles are how much the insured will be required to pay if you file a covered claim. Coverage for physical damage, also called ‘full coverage’, is used to repair damage to your car. A few examples of covered claims are collision with another vehicle, damage caused by hail, and having a roll-over accident. The more damage repair cost the insured is willing to pay, the less your insurance will be on Journey insurance.
  • Marriage reduces risk – Being married can actually save you money on your insurance bill. Having a spouse generally demonstrates drivers are more financially stable and insurance companies like that married drivers tend to file fewer claims.

Save 15 percent in 15 minutes? Is it for real?

Consumers constantly see and hear ads for insurance coverage savings from companies such as 21st Century, Allstate and State Farm. All the companies have a common claim that you’ll save big if you move to them.

How does every insurance coverage company make almost identical claims? Here is how they do it.

Insurance companies have a preferred profile for the type of customer that is profitable for them. An example of this type of driver may need to be between 25 and 40, owns their home, and chooses high deductibles. Any customer who meets those qualifications will get very good rates and is almost guaranteed to save money with a new company.

Drivers who don’t measure up to those standards will be quoted a higher rate which translates to the customer not purchasing. If you listen to the ad wording, they say “people that switch” but not “everyone who gets a quote” save that much. That is how insurance companies can confidently make those claims.

This really drives home the point why drivers should get a wide range of price quotes. It is impossible to guess which insurance companies will have the lowest rates.

Insurance specifics

Having a good grasp of your insurance policy can be of help when determining the best coverages and proper limits and deductibles. Insurance terms can be impossible to understand and even agents have difficulty translating policy wording.

Collision coverage protection

This coverage will pay to fix damage to your Journey from colliding with another vehicle or an object, but not an animal. You first must pay a deductible then your collision coverage will kick in.

Collision insurance covers things such as crashing into a building, rolling your car, crashing into a ditch, hitting a mailbox and sideswiping another vehicle. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Another option is to raise the deductible to save money on collision insurance.

Medical expense insurance

Coverage for medical payments and/or PIP provide coverage for expenses for X-ray expenses, surgery, doctor visits, prosthetic devices and hospital visits. The coverages can be used in conjunction with a health insurance policy or if you do not have health coverage. It covers you and your occupants and also covers being hit by a car walking across the street. PIP is not available in all states and gives slightly broader coverage than med pay

Protection from uninsured/underinsured drivers

Uninsured or Underinsured Motorist coverage provides protection from other drivers when they either are underinsured or have no liability coverage at all. Covered losses include medical payments for you and your occupants as well as your vehicle’s damage.

Due to the fact that many drivers have only the minimum liability required by law, their limits can quickly be used up. So UM/UIM coverage is important protection for you and your family. Most of the time these coverages do not exceed the liability coverage limits.

Liability car insurance

Liability coverage can cover injuries or damage you cause to other’s property or people by causing an accident. It 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 per person, bodily injury per accident and property damage. You might see limits of 100/300/100 which means $100,000 in coverage for each person’s injuries, a total of $300,000 of bodily injury coverage per accident, and $100,000 of coverage for damaged propery. Some companies may use one limit called combined single limit (CSL) which limits claims to one amount without having the split limit caps.

Liability insurance covers things like attorney fees, repair costs for stationary objects and court costs. How much liability should you purchase? That is your choice, but you should buy as large an amount as possible.

Comprehensive (Other than Collision)

This pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for claims like theft, damage from flooding, fire damage, a tree branch falling on your vehicle and damage from getting keyed. The maximum payout a 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.

Be a penny pincher

Insureds change insurance companies for many reasons like questionable increases in premium, denial of a claim, not issuing a premium refund or even policy non-renewal. It doesn’t matter what your reason, switching auto insurance companies is not as hard as you think.

As you go through the steps to switch your coverage, it’s a bad idea to buy lower coverage limits just to save a few bucks. In many cases, consumers will sacrifice physical damage coverage and discovered at claim time that a couple dollars of savings turned into a financial nightmare. Your objective should be to purchase a proper amount of coverage at the best cost while still protecting your assets.

In this article, we presented quite a bit of information on how to lower your 2018 Dodge Journey insurance prices. The key thing to remember is the more times you quote, the higher your chance of finding low cost car insurance. Consumers may even find the biggest savings come from a lesser-known regional company.

More tips and info about auto insurance is available in these articles:

Comments About 2018 Dodge Journey Insurance

  1. Erma Mayo

    Thought I’d throw in my experience. From a town just southwest of Kansas City, MO. Quoted prices online for a 2018 Dodge Journey. Ended up at about $400 savings annually. Went with 21st Century. Left Hanover to switch. I’m a pretty good driver though. They have free quotes online.

  2. Buffy Farmer

    Are State Farm or State Farm rates cheaper in Washington?

  3. Venus Nash

    Affordable car insurance is a myth. From northwest of Montgomery, AL. I don’t recall every quote but I ended up saving about $70 each month.