2013 Dodge Journey Insurance Quotes – 5 Ways to Save

Trying to find better insurance rates? Buyers have lots of choices when searching for low-cost Dodge Journey insurance. You can either waste hours calling around to compare prices or save time using the internet to make rate comparisons.

There is a better way to compare insurance rates so we’re going to tell you the proper way to get price quotes for a new or used Dodge and locate the cheapest rates from local insurance agents and online providers.

Consumers should take time to do rate comparisons before your policy renews because prices are variable and change quite frequently. If you had the best deal on Journey coverage six months ago a different company probably has better premium rates today. You’ll find quite a bit of inaccurate information about insurance online, but we’re going to give you the easiest ways to put money back in your pocket.

If you have a current car insurance policy or are shopping for new coverage, you will benefit by learning to reduce the price you pay and still get good coverage. The purpose of this article is to teach you the best way to quote coverages. Drivers just need to know how to get comparison rates over the internet.

These five discounts can cut auto insurance rates

Auto insurance companies don’t always list the entire discount list in an easy-to-find place, so the list below gives a summary of both the well known and also the lesser-known credits available to lower your premiums when you buy insurance online.

  • Accident-Free Discounts – Drivers with accident-free driving histories get the best auto insurance rates in comparison with bad drivers.
  • Low Mileage – Keeping the miles down on your Dodge could qualify for lower prices on the low mileage vehicles.
  • Government Employee Discount – Federal government employees may qualify for a discount when you quote insurance on Journey coverage with certain companies.
  • Life Insurance Discount – Not every insurance company offers life insurance, but if they do you may earn a small discount if you purchase life insurance from them.
  • Bundle and Save – If you have multiple policies with the same insurance company you may earn approximately 10% to 15%.

Drivers should understand that most of the big mark downs will not be given to the overall cost of the policy. The majority will only reduce the cost of specific coverages such as physical damage coverage or medical payments. So when it seems like you could get a free auto insurance policy, companies don’t profit that way.

A few of the larger companies and their offered discounts are included below.

  • Farm Bureau policyholders can earn discounts including 55 and retired, renewal discount, youthful driver, good student, and multi-policy.
  • Liberty Mutual has savings for new graduate, multi-car, teen driver discount, newly retired, and new vehicle discount.
  • State Farm offers premium reductions for Drive Safe & Save, multiple policy, driver’s education, anti-theft, and good driver.
  • Auto-Owners Insurance offers discounts for safe driver, paperless, company car, multiple vehicles, anti-lock brakes, air bags, and good student.
  • Geico offers discounts including multi-vehicle, driver training, defensive driver, multi-policy, seat belt use, and anti-lock brakes.
  • SAFECO includes discounts for teen safe driver, teen safety rewards, safe driver, anti-lock brakes, and multi-car.

When comparing rates, check with each company or agent to give you their best rates. All car insurance discounts may not be available in your area. If you would like to see a list of providers that have a full spectrum of discounts, click this link.

The cheapest auto insurance price quotes online

All the larger auto insurance companies like State Farm, Allstate and Geico provide coverage prices on the web. Doing online price comparisons is quite easy because you just enter as detailed in the form. After you complete the form, the company’s rating system gets your driving and credit reports and returns a price based on these and other factors.

Online price estimates makes it simple to compare prices but the time it takes to visit different websites and fill out multiple forms gets old quite quickly. But it’s necessary to get many rate quotes in order to find the lowest price.

A more efficient way to locate the lowest prices uses one simple form that gets prices from multiple companies. It’s a real time-saver, eliminates form submissions, and makes online shopping much more efficient. After sending the form, your coverage is rated and you can choose your choice of the quotes returned.

If the quotes result in lower rates, you simply finish the application and buy the policy. It can be completed in less than 10 minutes and may save quite a bit of money.

To quickly find out how much you can save on auto insurance, click here and enter your information. If you have your current policy handy, we recommend you replicate exactly as shown on your declarations page. This ensures you will receive a fair comparison based on the exact same insurance coverage.

When do I need an agent’s advice?

When buying the best insurance coverage, there really is not a perfect coverage plan. Everyone’s situation is unique.

For instance, these questions may help you determine whether you may require specific advice.

  • Does coverage extend to my business vehicle?
  • Can I afford low physical damage deductibles?
  • What exactly is covered by my policy?
  • How can I get high-risk coverage after a DUI?
  • Am I covered if I break a side mirror?
  • Should I carry comprehensive and collision coverage?
  • What is covered by UM/UIM coverage?
  • I have good health insurance, so how much medical payments coverage do I need?
  • Do I pay less if my vehicle is kept in my garage?

If it’s difficult to answer those questions, you may need to chat with a licensed agent. To find an agent in your area, simply complete this short form. It is quick, free and you can get the answers you need.

Insurance coverage breakdown

Knowing the specifics of insurance aids in choosing which coverages you need and proper limits and deductibles. Policy terminology can be impossible to understand and coverage can change by endorsement.

Comprehensive coverage (or Other than Collision) – Comprehensive insurance will pay to fix damage that is not covered by collision coverage. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive coverage protects against claims such as a tree branch falling on your vehicle, hitting a deer, theft and hitting a bird. The maximum payout you can receive from a comprehensive claim is the market value of your vehicle, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Collision coverage – Collision insurance will pay to fix damage to your Journey from colliding with a stationary object or other vehicle. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for things such as damaging your car on a curb, hitting a mailbox, driving through your garage door, sustaining damage from a pot hole and crashing into a ditch. This coverage can be expensive, so consider removing coverage from vehicles that are older. You can also increase the deductible to save money on collision insurance.

Uninsured Motorist or Underinsured Motorist insurance – This coverage provides protection when the “other guys” either are underinsured or have no liability coverage at all. This coverage pays for medical payments for you and your occupants and also any damage incurred to your Dodge Journey.

Since a lot of drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family. Normally these coverages are identical to your policy’s liability coverage.

Insurance for medical payments – Medical payments and Personal Injury Protection insurance provide coverage for bills like pain medications, EMT expenses, chiropractic care and dental work. They can be utilized in addition to your health insurance policy or if there is no health insurance coverage. Coverage applies to all vehicle occupants and also covers getting struck while a pedestrian. Personal Injury Protection is not available in all states and may carry a deductible

Liability car insurance – This coverage will cover damages or injuries you inflict on a person or their property that is your fault. It protects YOU against claims from other people, and does not provide coverage for your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have limits of 100/300/100 which means a limit of $100,000 per injured person, a limit of $300,000 in injury protection per accident, and a limit of $100,000 paid for damaged property. Occasionally you may see one limit called combined single limit (CSL) which provides one coverage limit and claims can be made without the split limit restrictions.

Liability can pay for claims like repair bills for other people’s vehicles, repair costs for stationary objects, legal defense fees and medical services. How much liability coverage do you need? That is up to you, but consider buying as high a limit as you can afford.

The best insurance company isn’t always the cheapest

Drivers leave their current company for a number of reasons such as lack of trust in their agent, delays in responding to claim requests, not issuing a premium refund and even questionable increases in premium. It doesn’t matter what your reason, choosing a new insurance company is easier than you think.

As you quote insurance, don’t be tempted to buy lower coverage limits just to save a few bucks. There are many occasions where drivers have reduced comprehensive coverage or liability limits only to discover later that the few dollars in savings costed them thousands. The proper strategy is to get the best coverage possible at the lowest possible cost while still protecting your assets.

We just covered some good ideas how to shop for 2013 Dodge Journey insurance online. The key thing to remember is the more price quotes you have, the better your chances of lowering your prices. Consumers could even find that the lowest priced car insurance comes from a small local company.

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