Cheap 2010 Dodge Journey Car Insurance Rates

Trying to find cheaper insurance coverage rates for your Dodge Journey? No car owner rejoices having to buy insurance coverage, especially when they are paying too much.

With people having so many insurance providers from which to choose, it can be hard to pick the most affordable company.

Consumers need to get comparison quotes every six months because prices go up and down regularly. Even if you got the best price for Journey insurance a year ago there is a good chance you can find better rates now. Forget anything you know (or think you know) about insurance coverage because you’re about to learn the easiest way to save money, get proper deductibles and limits, all at the lowest rate.

How to buy auto insurance online

Performing a rate comparison can be a lot of work if you don’t understand the most efficient way. You can spend countless hours driving to insurance companies in your area, or you can utilize the web to get the quickest rates.

Many popular insurance companies are enrolled in a marketplace where prospective buyers enter their policy data once, and each participating company returns a rated price based on the submitted data. This system prevents you from having to do form submissions to every company. To access this free quoting program, click here (opens in new window).

The one disadvantage to doing it this way is buyers cannot specifically choose the insurers to receive prices from. If you wish to select individual companies to compare prices, we have a listing of auto insurance companies in your area. Click to view list.

It doesn’t matter which method you choose, just be sure you’re using apples-to-apples coverage limits and deductibles for each price quote. If you compare different limits and deductibles on each one you can’t possibly truly determine the lowest rate. Quoting even small variations in insurance coverages or limits may cause a big price difference. And when quoting auto insurance, remember that comparing all the rates in your area helps you find the best offered rates. Some companies don’t provide rate quotes online, so you need to compare prices on coverage from those companies, too.

Brand name doesn’t guarantee savings

Car insurance companies such as Geico, State Farm and Progressive continually stream television and radio advertisements. All the ads advertise the message about how much you will save after switching your coverage to them. How does every company cost less than your current company? It’s all in the wording.

Most companies have a preferred profile for the driver that will most likely be profitable. One example of a preferred risk may be over the age of 40, is a homeowner, and drives less than 10,000 miles a year. A customer that meets those criteria will most likely get cheap prices and most likely will save when they switch companies.

People who don’t meet the “perfect” profile may be forced to pay higher rates which leads to business not being written. The ad wording is “people who switch” not “everybody who quotes” can save as much as they claim. That’s the way companies can make the claims of big savings. This emphasizes why you should do a quote comparison often. It’s not possible to predict with any certainty which company will have the lowest premium rates for your situation.

Do you qualify for discount car insurance?

Insurance can cost an arm and a leg, but there could be significant discounts that many people don’t even know exist. A few discounts will be applied at the time of purchase, but occassionally some discounts must be inquired about in order for you to get them. If they aren’t giving you every credit you deserve, you are throwing money away.

  • No Claim Discounts – Drivers who stay claim-free get the best car insurance rates in comparison to drivers who are more careless.
  • Home Ownership Discount – Just owning your own home may earn you a small savings because owning a home is proof that your finances are in order.
  • Memberships – Being a member of a professional or civic organization could trigger savings on car insurance.
  • Defensive Driver Discount – Participating in a class that teaches defensive driving techniques could earn you a small percentage discount and easily recoup the cost of the course.
  • Student Driver Training – Reduce the cost of insurance for teen drivers by having them enroll in driver’s education if it’s offered in school.
  • Distant College Student Discount – Youth drivers who are enrolled in higher education away from home and do not take a car to college could qualify for this discount.
  • Include Life Insurance and Save – Not all insurance companies offer life insurance, but some may give you a discounted premium rate on car insurance if you buy life insurance from them.
  • Full Payment Discount – If you can afford to pay the entire bill rather than paying in monthly installments you could save 5% or more.
  • Low Mileage – Driving fewer miles can qualify you for lower prices due to less chance of an accident.

Consumers should know that most discounts do not apply to all coverage premiums. Most only cut the price of certain insurance coverages like comprehensive or collision. Just because you may think you can get free auto insurance, companies wouldn’t make money that way.

A list of companies and a partial list of their discounts can be read below.

  • State Farm has discounts for Drive Safe & Save, passive restraint, Steer Clear safe driver discount, safe vehicle, anti-theft, and accident-free.
  • Progressive offers premium reductions for homeowner, good student, multi-vehicle, online signing, multi-policy, online quote discount, and continuous coverage.
  • Travelers policyholders can earn discounts including payment discounts, IntelliDrive, multi-policy, early quote, student away at school, and good student.
  • American Family may offer discounts for early bird, multi-vehicle, defensive driver, good driver, mySafetyValet, and TimeAway discount.
  • Liberty Mutual discounts include newly married, new vehicle discount, exclusive group savings, hybrid vehicle, and preferred payment discount.

Double check with all the companies what discounts are available to you. Some of the discounts discussed earlier may not apply to policies in your area. To locate companies with the best discounts, click this link.

What insurance coverages do I need?

When buying the right insurance coverage for your vehicles, there really is not a perfect coverage plan. Every insured’s situation is different and a cookie cutter policy won’t apply. These are some specific questions may help you determine if you may require specific advice.

  • Should I buy only the required minimum liability coverage?
  • Am I covered by my employer’s commercial auto policy when driving my personal car for business?
  • What if I total my 2010 Dodge Journey and owe more than it’s worth?
  • Does my insurance cover a custom paint job?
  • Are rock chip repairs covered?
  • How can I find cheaper teen driver insurance?

If you can’t answer these questions but one or more may apply to you, then you may want to think about talking to an agent. To find lower rates from a local agent, complete this form or click here for a list of auto insurance companies in your area.

Insurance coverages 101

Knowing the specifics of your policy helps when choosing which coverages you need for your vehicles. The terms used in a policy can be ambiguous and nobody wants to actually read their policy. Shown next are typical coverages found on the average insurance policy.

Coverage for medical payments – Coverage for medical payments and/or PIP pay for bills for doctor visits, pain medications, surgery and dental work. They are often used to cover expenses not covered by your health insurance program or if you do not have health coverage. They cover not only the driver but also the vehicle occupants in addition to if you are hit as a while walking down the street. Personal injury protection coverage is not universally available and may carry a deductible

Uninsured and underinsured coverage – This protects you and your vehicle when other motorists are uninsured or don’t have enough coverage. It can pay for hospital bills for your injuries and damage to your 2010 Dodge Journey.

Since a lot of drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage should not be overlooked.

Comprehensive coverages – This coverage covers damage that is not covered by collision coverage. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive coverage pays for claims such as damage from flooding, hitting a deer, rock chips in glass, vandalism and a tree branch falling on your vehicle. The maximum amount a insurance company will pay at claim time is the market value of your vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Collision coverages – This will pay to fix damage to your Journey resulting from a collision with a stationary object or other vehicle. A deductible applies then your collision coverage will kick in.

Collision coverage pays for claims like hitting a parking meter, scraping a guard rail, sustaining damage from a pot hole, colliding with another moving vehicle and crashing into a ditch. Paying for collision coverage can be pricey, so consider dropping it from lower value vehicles. Another option is to choose a higher deductible to bring the cost down.

Liability coverages – This protects you from injuries or damage you cause to other people or property in an accident. It protects YOU against claims from other people, and does not provide coverage for your injuries or vehicle damage.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have values of 50/100/50 that translate to a $50,000 limit per person for injuries, a per accident bodily injury limit of $100,000, and a limit of $50,000 paid for damaged property.

Liability can pay for claims like emergency aid, repair bills for other people’s vehicles, structural damage, pain and suffering and legal defense fees. The amount of liability coverage you purchase is your choice, but consider buying as large an amount as possible.

Feed the piggy bank

Cheap 2010 Dodge Journey insurance is possible both online in addition to local insurance agencies, so you need to quote insurance coverage with both to have the best chance of lowering rates. There are still a few companies who may not offer internet price quotes and these regional carriers sell through independent agencies.

In this article, we covered quite a bit of information on how to lower your 2010 Dodge Journey insurance rates. The key thing to remember is the more times you quote, the better chance you’ll have of finding inexpensive insurance coverage. You may even discover the lowest rates are with some of the lesser-known companies. These companies may often insure only within specific states and give getter rates as compared to the big name companies such as Progressive and Geico.

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