2012 Dodge Journey Insurance Cost – 7 Tips for Cheaper Prices

Searching for better insurance coverage rates for your Dodge Journey? Pricey Dodge Journey insurance can overdraw your savings and put the squeeze on your family’s finances. Performing a rate comparison is free, only takes a few minutes, and is a good way to reduce premiums and put more money in your pocket.

Big-name insurance companies like Allstate and Progressive constantly blast consumers with catchy ads and it is difficult to separate fact from fiction and effectively compare rates to find the best deal.

How to get auto insurance quotes

There are several ways to compare auto insurance quotes, but there is one way that is more efficient than others. You can waste a lot of time discussing policy coverages with agents in your area, or you can utilize online quotes to quickly compare rates.

Many insurance companies enroll in a system that enables customers to only type in their quote data once, and at least one company can provide price quotes based on the submitted data. This saves time by eliminating quote forms to each company.

To fill out one form to compare multiple rates now click here to open in new window.

One minor caviat to doing it this way is you are unable to specify the providers you want to price. So if you prefer to pick specific insurance companies to compare rates, we have a listing of auto insurance companies in your area. Click here to view list.

Whichever way you choose to compare rates, do your best to enter equivalent deductibles and coverage limits for every company. If each company quotes different liability limits it will be very difficult to make a fair comparison for your Dodge Journey. Slightly different coverage limits could throw off the whole comparison. And when price shopping your coverage, comparing a large number of companies will enable you to find the best offered rates.

Don’t miss these seven money-saving discounts

Companies offering auto insurance do not advertise all their discounts in a way that’s easy to find, so below is a list some of the more common and also the lesser-known ways to save on car insurance. If you are not receiving all the discounts you deserve, you are paying more than you should be.

  • Pay Upfront and Save – If you pay your bill all at once as opposed to paying monthly you could save 5% or more.
  • Air Bag Discount – Cars that have air bags or automatic seat belts may qualify for discounts of more than 20%.
  • New Vehicle Savings – Putting insurance coverage on a new car is cheaper because new vehicles are generally safer.
  • Life Insurance – Not all car insurance companies offer life insurance, but some may give you lower car insurancerates if you buy some life insurance in addition to your auto policy.
  • Home Ownership Discount – Simply owning a home can get you a discount since owning and maintaining a home is proof that your finances are in order.
  • ABS Brakes – Cars that have steering control and anti-lock brakes can reduce accidents and therefore earn up to a 10% discount.
  • Switch and Save Discount – Some car insurance companies reward drivers for switching companies prior to the expiration date on your current policy. The savings is around 10%.

Remember that many deductions do not apply the the whole policy. Most only cut individual premiums such as comprehensive or collision. So when it seems like it’s possible to get free car insurance, you aren’t that lucky.

A few companies that may offer policyholders most of the discounts above possibly include:

When getting free auto insurance quotes, it’s a good idea to every company the best way to save money. Some discounts may not be available in your state. To choose companies that provide some of the discounts listed above, click here.

Do I need special coverages?

When it comes to buying the best insurance coverage coverage for your personal vehicles, there isn’t really a “best” method to buy coverage. Coverage needs to be tailored to your specific needs so this has to be addressed. For example, these questions may help highlight if you might need professional guidance.

  • Is a new car covered when I drive it off the dealer lot?
  • I don’t drive much so do I pay less?
  • How do I insure my teen driver?
  • Where can I find DUI or SR-22 insurance?
  • Should I rate my 2012 Dodge Journey as pleasure use or commute?
  • Are split liability limits better than a combined single limit?

If it’s difficult to answer those questions then you might want to talk to an insurance agent. To find an agent in your area, take a second and complete this form or go to this page to view a list of companies.

Coverages available on your policy

Understanding the coverages of a car insurance policy can be of help when determining the right coverages and the correct deductibles and limits. Policy terminology can be ambiguous and coverage can change by endorsement. Shown next are typical coverage types found on the average car insurance policy.

Uninsured/Underinsured Motorist (UM/UIM)

Your UM/UIM coverage protects you and your vehicle when the “other guys” do not carry enough liability coverage. Covered claims include injuries to you and your family as well as damage to your 2012 Dodge Journey.

Because many people carry very low liability coverage limits, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family. Usually the UM/UIM limits do not exceed the liability coverage limits.

Med pay and Personal Injury Protection (PIP)

Medical payments and Personal Injury Protection insurance provide coverage for expenses such as EMT expenses, funeral costs and doctor visits. They are often used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. It covers not only the driver but also the vehicle occupants in addition to any family member struck as a pedestrian. PIP coverage is not an option in every state and gives slightly broader coverage than med pay

Comprehensive insurance

This coverage pays for damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive can pay for claims like theft, damage from a tornado or hurricane and hitting a bird. The highest amount you’ll receive from a claim is the market value of your vehicle, so if the vehicle is not worth much consider dropping full coverage.

Collision coverage protection

This coverage will pay to fix damage to your Journey from colliding with a stationary object or other vehicle. You have to pay a deductible then your collision coverage will kick in.

Collision coverage pays for things such as sideswiping another vehicle, sustaining damage from a pot hole and hitting a parking meter. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from older vehicles. Drivers also have the option to choose a higher deductible in order to get cheaper collision rates.

Liability car insurance

Liability coverage will cover injuries or damage you cause to other people or property that is your fault. This insurance protects YOU from legal claims by others. It does not cover damage to your own property or vehicle.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see limits of 100/300/100 which means a $100,000 limit per person for injuries, a per accident bodily injury limit of $300,000, and property damage coverage for $100,000. Another option is one limit called combined single limit (CSL) which provides one coverage limit and claims can be made without the split limit restrictions.

Liability coverage protects against things such as funeral expenses, legal defense fees, medical services and medical expenses. How much liability coverage do you need? That is a decision to put some thought into, but buy as much as you can afford.