Cheaper 2011 Dodge Journey Insurance Quotes

Wish you could get out of high-priced insurance coverage? It’s a common feeling and there are lots of residents who feel the same. Having so many companies to choose from, it is hard for the average consumer to locate the lowest cost insurer.

You should take the time to price shop coverage quite often since insurance prices go up and down regularly. Even if you think you had the best quotes on Journey insurance at your last renewal other companies may now be cheaper. Block out anything you think you know about insurance coverage because it’s time to teach you the fastest way to find better rates and still maintain coverage.

Buying the cheapest protection is simple if you know the tricks. If you have a current auto insurance policy or need a new policy, you can use this information to find better prices while maintaining coverages. Vehicle owners only need to know the proper way to get comparison rates online.

Quote car insurance online

The majority of larger companies allow consumers to get prices for coverage directly from their websites. Obtaining pricing doesn’t take much effort as you just enter your required coverages on the page. Once entered, their quoting system automatically retrieves your driving record and credit report and generates a price. Online quotes makes it easy to compare insurance prices but the time it takes to visit each company’s website and repetitively complete many quote forms is not the best way to spend an afternoon. But it’s also necessary to perform this step in order to get the best price possible.

Isn’t there an easier way to compare rates?

A more efficient way to compare rates uses one simple form that analyzes rates from a bunch of companies at once. The form is fast, requires much less work on your part, and makes online quotes a little more enjoyable. After sending the form, your coverage is rated and you are able to buy your choice of the quote results.

If one or more price quotes are lower than your current rates, you can simply submit the application and purchase coverage. It takes less than 15 minutes and you will find out if you’re overpaying now.

To save time and find out if lower rates are available, click here and enter your information. If you have your current policy handy, we recommend you type in the coverages as shown on your current policy. This guarantees you will get a fair comparison based on similar coverages.

Don’t miss these money-saving discounts

Insuring your vehicles can cost a lot, but you may qualify for discounts that can dramatically reduce your bill. Some of these disounts will be visible when you get a quote, but lesser-known reductions have to be manually applied in order for you to get them. If you check and find you aren’t receiving every discount possible, you could be getting lower rates.

  • Anti-lock Brakes – Cars and trucks that have steering control and anti-lock brakes are safer to drive so companies give up to a 10% discount.
  • No Claims – Drivers who don’t have accidents are rewarded with significantly better rates on insurance quote when compared to frequent claim filers.
  • First Accident Forgiveness – Not really a discount, but some insurance companies allow you one accident before your rates go up so long as you haven’t had any claims for a specific time period.
  • Homeowners Pay Less – Being a homeowner may trigger a policy discount on insurance due to the fact that maintaining a home shows financial diligence.
  • Smart Student Discounts – Excelling in school may save as much as 25% on a insurance quote. The discount lasts up until you turn 25.
  • Multiple Cars – Purchasing coverage when you have all your vehicles with the same insurance company can get a discount on all vehicles.
  • Distant Student – Any of your kids who attend college more than 100 miles from home and leave their car at home can receive lower rates.
  • Data Collection Discounts – People who choose to allow data collection to look at when and where they use their vehicle by using a telematics device in their vehicle like Drivewise from Allstate or In-Drive from State Farm might get better premium rates as long as they are good drivers.

As a sidenote, some credits don’t apply to the entire cost. Some only reduce the price of certain insurance coverages like physical damage coverage or medical payments. So even though you would think you could get a free insurance policy, companies don’t profit that way.

Companies and some of their more popular discounts can be found below.

  • AAA has discounts for multi-car, education and occupation, multi-policy, anti-theft, good student, and good driver.
  • Progressive includes discounts for good student, online quote discount, continuous coverage, multi-policy, and multi-vehicle.
  • State Farm offers discounts for driver’s education, good student, accident-free, defensive driving training, student away at school, safe vehicle, and Drive Safe & Save.
  • Esurance offers discounts including anti-theft, good driver, online shopper, emergency road assistance, claim free, DriveSense, and multi-car.
  • Nationwide may offer discounts for anti-theft, easy pay, defensive driving, family plan, Farm Bureau membership, business or organization, and good student.

If you need lower rates, check with each company or agent to apply every possible discount. Some credits may not be available in your area. To choose insurance companies who offer online insurance quotes, click this link.

Do I need special coverages?

When it comes to buying coverage for your personal vehicles, there really is not a cookie cutter policy. Everyone’s situation is unique and a cookie cutter policy won’t apply. For example, these questions might point out whether you might need professional guidance.

  • Does coverage extend to Mexico or Canada?
  • When can my company non-renew my policy?
  • Is motorclub coverage worth it?
  • What are the financial responsibility laws in my state?
  • When does my teenage driver need to be added to my policy?
  • What is covered by UM/UIM coverage?
  • Does my liability insurance cover pulling a trailer or camper?
  • Does having multiple vehicles earn me a discount?
  • Does my insurance cover damage caused when ticketed for reckless driving?

If you can’t answer these questions but you think they might apply to your situation, then you may want to think about talking to a licensed agent. If you don’t have a local agent, fill out this quick form or you can also visit this page to select a carrier It only takes a few minutes and can provide invaluable advice.

Find Dodge Journey insurance more affordably

The best way to find cheaper insurance is to take a look at the rating factors that aid in calculating your insurance rates. When you know what positively or negatively controls the rates you pay, this enables you to make decisions that may reward you with lower rates.

  • Cheaper premiums with safer cars – Cars with high safety ratings can get you lower premiums. These vehicles reduce occupant injuries and fewer serious injuries translates into fewer and smaller insurance claims and more competitive rates for policyholders.
  • Mature drivers are lower risk – Beginning drivers have a tendency to be inattentive and easily distracted behind the wheel so insurance rates are higher. Older people are viewed as being more responsible, tend to file fewer claims and are safer drivers.
  • Avoid traffic tickets – Drivers with clean records receive lower rates than people who have multiple driving citations. Even a single citation can boost insurance rates by as much as twenty percent. People who have careless tickets like DWI, reckless driving or hit and run convictions may need to file a SR-22 with their state in order to prevent their license from being revoked.
  • Premiums and employer – Do you work in a high-stress field? Occupational choices like judges, executives and financial analysts generally have higher premiums than the average policyholder attributed to intense work-related stress and lots of time spent away from family. Conversely, careers such as scientists, engineers and homemakers pay lower than average rates on Journey insurance.
  • Premiums are affected by your credit history – Having a good credit rating is a large factor in calculating your insurance rates. So if your credit rating can use some improvement, you could potentially save money when insuring your 2011 Dodge Journey by taking the time to improve your credit score. Drivers who have good credit tend to be more responsible than drivers who have poor credit scores.
  • Women pay lower rates – Over the last 50 years, statistics have shown that females take fewer risks when driving. It does not mean men are worse drivers. They both get in accidents at a similar rate, but the males have costlier accidents. In addition to higher claims, males also get more serious tickets like DUI and reckless driving.
  • Deductibles are a factor – Physical damage coverage, aka comp and collision, insures against damage to your Dodge. Some examples of claims that would be covered are a windshield shattered by a rock, hitting a deer, and burglary. Comprehensive and collision coverage deductibles are how much you are required to spend before a claim is paid by your company. The more damage repair cost you choose to pay out-of-pocket, the less your insurance will be on Journey insurance.
  • Lower insurance rates with alarms and GPS tracking – Choosing a vehicle with a theft deterrent system can save you some money. Systems that thwart theives such as vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems can thwart auto theft and help lower rates.

Coverage specifics

Learning about specific coverages of your policy helps when choosing the best coverages and proper limits and deductibles. The terms used in a policy can be confusing and nobody wants to actually read their policy. Shown next are the normal coverages available from insurance companies.

Collision coverage – Collision insurance covers damage to your Journey from colliding with a stationary object or other vehicle. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for claims like sideswiping another vehicle, sustaining damage from a pot hole, hitting a mailbox and hitting a parking meter. This coverage can be expensive, so consider dropping it from vehicles that are 8 years or older. Another option is to increase the deductible in order to get cheaper collision rates.

Liability auto insurance – This will cover damages or injuries you inflict on other’s property or people that is your fault. This insurance protects YOU against claims from other people, and doesn’t cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have limits of 50/100/50 which stand for a limit of $50,000 per injured person, a limit of $100,000 in injury protection per accident, and a total limit of $50,000 for damage to vehicles and property. Occasionally you may see a combined single limit or CSL which limits claims to one amount without having the split limit caps.

Liability coverage pays for things such as loss of income, medical services, pain and suffering, repair bills for other people’s vehicles and structural damage. How much liability should you purchase? That is up to you, but you should buy as high a limit as you can afford.

Comprehensive auto coverage – Comprehensive insurance coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for claims like falling objects, hail damage and damage from getting keyed. The highest amount a insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle is not worth much consider dropping full coverage.

Medical payments and PIP coverage – Medical payments and Personal Injury Protection insurance reimburse you for bills for things like rehabilitation expenses, surgery, X-ray expenses, prosthetic devices and chiropractic care. They can be used to fill the gap from your health insurance policy or if there is no health insurance coverage. They cover all vehicle occupants and will also cover being hit by a car walking across the street. PIP coverage is not an option in every state and gives slightly broader coverage than med pay

UM/UIM (Uninsured/Underinsured Motorist) coverage – This coverage provides protection from other drivers when they are uninsured or don’t have enough coverage. This coverage pays for injuries to you and your family and also any damage incurred to your 2011 Dodge Journey.

Because many people only purchase the least amount of liability that is required, their limits can quickly be used up. This is the reason having UM/UIM coverage is very important. Frequently these limits do not exceed the liability coverage limits.

Don’t break the bank

As you prepare to switch companies, you should never skimp on critical coverages to save a buck or two. There have been many situations where someone sacrificed physical damage coverage and found out when filing a claim that their decision to reduce coverage ended up costing them more. Your goal is to find the BEST coverage at the best price, but do not sacrifice coverage to save money.

We’ve covered many ideas to reduce 2011 Dodge Journey insurance rates online. The key concept to understand is the more price quotes you have, the higher the chance of saving money. Consumers may even find the lowest priced insurance comes from a smaller regional carrier. Some small companies often have lower car insurance rates on specific markets than the large multi-state companies such as Progressive and Geico.

Much more information about insurance can be found at these links: