2009 Dodge Journey Insurance Rates – 9 Tips for Best Quotes

Are you burned out from paying out the nose each month for insurance coverage? You are in the same boat as the majority of other consumers.

Many car insurance companies compete for your hard-earned dollar, so it’s not easy to compare every provider and get the best coverage at the best rates possible.

The most recommended method to compare rate quotes is to understand all the major auto insurance companies pay for the opportunity to quote your coverage. The one thing you need to do is give them rating details like daily mileage, an estimate of your credit level, the type of vehicles you drive, and the ages of drivers. That information is then sent to multiple different insurance companies and they return rate quotes quickly.

To get price quotes for your 2009 Dodge Journey now, click here and see if a lower rate is available.

These nine discounts can reduce insurance rates

Companies offering auto insurance don’t necessarily list every policy discount in a way that’s easy to find, so we took the time to find both the well known in addition to some of the lesser obvious discounts that you can inquire about if you buy insurance online.

  • Senior Citizen Rates – Drivers over the age of 55 may receive better insurance rates on Journey coverage.
  • Accident-Free Discounts – Drivers who stay claim-free are rewarded with significantly better rates on insurance quote when compared with policyholders that have many claims.
  • Homeowners Discount – Owning your own home or condo can help you save on insurance because owning a home is proof that your finances are in order.
  • Defensive Driver – Successfully completing a course teaching defensive driver skills can save you 5% or more and also improve your driving technique.
  • Driver’s Education for Students – Cut your cost by having your teen driver complete a driver education course in high school.
  • Early Renewal Discounts – A few insurance companies allow discounts for switching companies before your current coverage expires. This discount can save up to 10%.
  • Low Mileage Discounts – Low mileage vehicles may enable drivers to earn discounted premium rates on garaged vehicles.
  • New Car Discount – Buying insurance coverage on a new vehicle can be considerably cheaper due to better safety requirements for newer models.
  • Early Payment Discounts – If paying your policy premium upfront rather than spreading payments over time you may have a lower total premium amount.

Just know that some of the credits will not apply to the overall cost of the policy. Most only cut individual premiums such as comp or med pay. So when the math indicates all those discounts means the company will pay you, it doesn’t quite work that way.

If you would like to view companies that have a full spectrum of discounts, click here.

When do I need an agent’s advice?

When choosing coverage for your vehicles, there really is no perfect coverage plan. Everyone’s situation is unique and your policy should reflect that. These are some specific questions can help discover if your situation would benefit from professional advice.

  • Are my friends covered when driving my car?
  • Should I file a claim if it’s only slightly more than my deductible?
  • Does insurance cover damages from a DUI accident?
  • Does my 2009 Dodge Journey qualify for pleasure use?
  • Am I getting all the discounts available?
  • Do I have newly-aquired coverage?

If it’s difficult to answer those questions, then you may want to think about talking to a licensed agent. If you want to speak to an agent in your area, simply complete this short form or you can also visit this page to select a carrier

Specific coverage details

Having a good grasp of a insurance policy aids in choosing the best coverages for your vehicles. Policy terminology can be impossible to understand and coverage can change by endorsement. Below you’ll find the usual coverages offered by insurance companies.

Medical costs insurance

Medical payments and Personal Injury Protection insurance reimburse you for immediate expenses for things like hospital visits, doctor visits, nursing services, prosthetic devices and pain medications. They are often used to cover expenses not covered by your health insurance policy or if you do not have health coverage. Coverage applies to all vehicle occupants and will also cover being hit by a car walking across the street. PIP is not available in all states but it provides additional coverages not offered by medical payments coverage

Auto liability

Liability insurance protects you from damage or injury you incur to people or other property that is your fault. It protects you against other people’s claims. Liability doesn’t cover your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see policy limits of 50/100/50 which stand for $50,000 in coverage for each person’s injuries, a per accident bodily injury limit of $100,000, and a limit of $50,000 paid for damaged property.

Liability coverage pays for claims such as funeral expenses, structural damage, medical expenses and repair costs for stationary objects. How much liability should you purchase? That is your choice, but consider buying as much as you can afford.

Collision coverage protection

This pays to fix your vehicle from damage from colliding with another car or object. You will need to pay your deductible then your collision coverage will kick in.

Collision can pay for claims like colliding with a tree, hitting a parking meter, sustaining damage from a pot hole, scraping a guard rail and rolling your car. This coverage can be expensive, so consider dropping it from vehicles that are 8 years or older. Drivers also have the option to increase the deductible in order to get cheaper collision rates.

Comprehensive or Other Than Collision

This coverage will pay to fix damage that is not covered by collision coverage. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive coverage protects against claims like damage from getting keyed, hail damage and a broken windshield. The most you’ll receive from a claim is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

UM/UIM Coverage

Your UM/UIM coverage provides protection when other motorists do not carry enough liability coverage. Covered claims include medical payments for you and your occupants as well as damage to your Dodge Journey.

Since a lot of drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important.

Smart consumers save more

You just read a lot of ways to save on 2009 Dodge Journey insurance. The key thing to remember is the more companies you get auto insurance rates for, the higher the chance of saving money. Drivers may discover the biggest savings come from an unexpected company. Regional companies often have lower auto insurance rates on specific markets compared to the large companies like State Farm or Progressive.

As you restructure your insurance plan, it’s not a good idea to buy lower coverage limits just to save a few bucks. There are a lot of situations where an insured cut physical damage coverage only to discover later that the small savings ended up costing them much more. The goal is to purchase plenty of coverage at the best price.

Cost effective 2009 Dodge Journey insurance is definitely available on the web and from local agencies, and you should compare price quotes from both to have the best chance of lowering rates. There are still a few companies who do not provide the ability to get a quote online and these smaller companies provide coverage only through independent insurance agents.

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