Cheaper 2014 Dodge Journey Car Insurance Quotes

When looking for lower-cost insurance, do you get confused by the number of insurance choices? There are so many choices available that it can quickly become a difficult mission to find the lowest price.

It’s smart to compare prices before your policy renews because insurance rates fluctuate regularly. Even if you got the lowest rate on Journey coverage two years ago the chances are good that you can find a lower price today. Forget anything you know (or think you know) about insurance because I’m going to teach you one of the quickest ways to save on insurance.

Choosing the best insurance company for you is easy if you know what you’re doing. In a nutshell, anyone who is shopping for auto insurance will most likely be able to reduce their rates. But consumers should learn how insurance companies sell online and use this information to your advantage.

How to buy insurance coverage

Performing a rate comparison can be challenging if you aren’t aware of the most efficient way to do it. You could spend your day discussing policy coverages with insurance companies in your area, or you can stay home and use online quotes to get prices fast.

Many popular insurance companies enroll in a system that enables customers to submit their information once, and each participating company can provide price quotes based on that data. This saves time by eliminating repetitive form submissions to every company.

To access this free quoting program, click here to open in new window.

One minor caviat to comparing rates this way is you can’t choose which providers you want pricing from. If you wish to select specific insurance companies to compare, we have assembled a list of low cost insurance coverage companies in your area. Click here for list of insurance companies.

You can choose any of those ways to find more affodable coverage, but ensure you’re using equivalent coverage information for every company. If you compare mixed coverages it’s impossible to determine the best price for your Dodge Journey. Just slight variations in insurance coverages or limits may result in large price differences. And when quoting insurance coverage, remember that quoting more increases your odds of finding more affordable insurance.

Insurance advertising tricks

Well-known car insurance companies like Allstate, Geico and Progressive seem to constantly run ads on TV and radio. They all seem to tend to make the same promise that drivers can save some big amount if you move your car insurance policy to them. How can each company say the same thing? It’s all in the numbers.

All companies require specific criteria for the right customer that earns them the most money. One example of this type of risk profile might be a mature driver, owns a home, and drives less than 7,500 miles a year. Any person that meets those criteria receives the best auto insurance rates and will probably cut their rates if they switch.

Potential customers who do not meet these stringent criteria will get more expensive rates and this can result in the customer not buying. The trick is to say “drivers who switch” not “everyone that quotes” will save that much if they switch. That’s why insurance companies can confidently make claims like that. Different companies use different criteria so it is so important to get a wide range of price quotes. It is impossible to guess which insurance companies will have better rates than you’re paying now.

What determines Dodge Journey insurance rates?

Lots of factors are used when quoting car insurance. Most are fairly basic such as your driving record, although others are more transparent such as your credit history or how financially stable you are.

  • Cheaper rates by combining – Lots of insurance companies give lower prices to people who buy several policies from them. It’s known as a multi-policy discount. Discounts can amount to ten or even fifteen percent. Even though this discount sounds good, you still need to get quotes from other companies to help ensure you have the lowest rates.
  • Higher premiums for specific jobs – Did you know your auto insurance rates can be affected by your occupation? Jobs such as judges, architects and miners tend to have higher average rates in part from stressful work requirements and lots of time spent away from family. Conversely, careers like professors, students and homemakers have the lowest average rates on Journey coverage.
  • Battle of the sexes – Statistics show women tend to be less risk to insure than men. Now that doesn’t mean men are worse drivers. Men and women cause accidents in similar numbers, but the males get into accidents with more damage. Men also get higher numbers of serious violations like driving under the influence (DUI). Young males cause the most accidents and therefore pay the highest rates.
  • Good credit equals lower rates – Credit rating will be a significant factor in calculating your premium rate. People that have excellent credit tend to be better drivers and file fewer claims than drivers with poor credit scores. So if your credit history is low, you could be paying less to insure your 2014 Dodge Journey by taking the time to improve your credit score.
  • Pay more of a claim out-of-pocket – Insurance for physical damage, termed comprehensive and collision coverage on your policy, insures against damage to your Dodge. Some examples of claims that would be covered would be collision with another vehicle, hitting a deer, and windstorm damage. Comp and collision deductibles are how much you are willing to pay if you file a covered claim. The more of the claim you’re willing to pay, the less your company will charge you for insurance on Journey coverage.
  • Liability insurance is cheap – Liability insurance will provide protection if ever you are determined to be liable for physical damage or personal injury to other. Liability provides legal defense coverage which can be incredibly expensive. Carrying liability coverage is mandatory and cheap when compared with rates for comp and collision, so do not cut corners here.
  • Bad drivers pay high premiums – Attentive drivers receive lower rates compared to bad drivers. Getting just one speeding ticket or other violation could increase your next policy renewal substantially. Drivers who have received flagrant violations such as reckless driving or DUI may need to prove financial responsibility with their state DMV in order to keep their license.
  • Save money by staying claim free – If you tend to file frequent claims, you can look forward to higher premiums or even policy non-renewal. Companies generally give the lowest premiums to insureds that do not abuse their auto insurance. Auto insurance is meant to be used in the event of the large, substantial claims.

Car insurance discounts help lower rates

Some insurance providers do not list every possible discount very well, so we took the time to find a few of the more well known as well as some of the hidden credits available to bring down your rates.

  • Passive Restraint Discount – Vehicles with factory air bags and/or automatic seat belt systems can qualify for discounts of 25 to 30%.
  • One Accident Forgiven – This one isn’t a discount, but certain companies will turn a blind eye to one accident before they charge you more for coverage as long as you don’t have any claims for a particular time prior to the accident.
  • Distant Student – Older children who are enrolled in higher education away from home and leave their car at home could qualify for this discount.
  • ABS Brakes – Cars, trucks, and SUVs equipped with ABS or steering control are safer to drive and the ABS can save up to 10%.
  • Include Life Insurance and Save – Some insurance companies give a break if you buy a life policy as well.

A quick disclaimer, some of the credits will not apply to the entire policy premium. Most only cut individual premiums such as comprehensive or collision. So when it seems like all those discounts means the company will pay you, it doesn’t quite work that way.

A few companies that possibly offer these benefits are:

If you need affordable auto insurance quotes, ask every company how many discounts you can get. Some credits might not apply in your area. For a list of insurance companies who offer discounts, follow this link.

Which is the best insurance?

When it comes to buying the right insurance coverage for your vehicles, there really is no one size fits all plan. Every insured’s situation is different.

These are some specific questions may help you determine if you would benefit from an agent’s advice.

  • Will filing a claim cost me more?
  • Am I covered if I drive in a foreign country?
  • Am I covered when pulling a rental trailer?
  • Does my medical payments coverage pay my health insurance deductible?
  • Should I buy full coverage?
  • Do I need special endorsements for business use of my vehicle?
  • Do I have coverage for damage caused while driving under the influence?
  • Does my insurance cover my expensive audio equipment?
  • Do I have coverage when making deliveries for my home business?
  • Are my friends covered when driving my 2014 Dodge Journey?

If you’re not sure about those questions, you might consider talking to a licensed insurance agent. To find an agent in your area, take a second and complete this form.

Detailed coverages of your insurance policy

Knowing the specifics of your insurance policy aids in choosing the right coverages for your vehicles. The coverage terms in a policy can be impossible to understand and nobody wants to actually read their policy.

Coverage for uninsured or underinsured drivers – This provides protection when the “other guys” do not carry enough liability coverage. Covered claims include hospital bills for your injuries and damage to your 2014 Dodge Journey.

Since a lot of drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. So UM/UIM coverage is important protection for you and your family.

Coverage for medical expenses – Medical payments and Personal Injury Protection insurance provide coverage for immediate expenses for dental work, hospital visits, chiropractic care and rehabilitation expenses. They can be utilized in addition to your health insurance plan or if you are not covered by health insurance. They cover both the driver and occupants and also covers getting struck while a pedestrian. Personal injury protection coverage is not universally available and gives slightly broader coverage than med pay

Liability coverage – Liability insurance can cover damage that occurs to a person or their property by causing an accident. This insurance protects YOU against claims from other people. Liability doesn’t cover your own vehicle damage or injuries.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have liability limits of 25/50/25 that means you have $25,000 bodily injury coverage, a limit of $50,000 in injury protection per accident, and $25,000 of coverage for damaged propery.

Liability coverage pays for claims like repair costs for stationary objects, pain and suffering, medical expenses and bail bonds. The amount of liability coverage you purchase is a personal decision, but buy as much as you can afford.

Collision – Collision coverage covers damage to your Journey from colliding with another car or object. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers things such as sideswiping another vehicle, sustaining damage from a pot hole and scraping a guard rail. This coverage can be expensive, so consider removing coverage from older vehicles. Another option is to raise the deductible in order to get cheaper collision rates.

Comprehensive insurance – Comprehensive insurance coverage covers damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive insurance covers claims such as rock chips in glass, fire damage, a tree branch falling on your vehicle, hail damage and damage from a tornado or hurricane. The most your insurance company will pay is the actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Be a smart shopper

We just presented many tips how you can shop for 2014 Dodge Journey insurance online. The key concept to understand is the more providers you compare, the better likelihood of getting affordable auto insurance. You may even discover the lowest premium rates come from a company that doesn’t do a lot of advertising.

More affordable insurance can be found from both online companies and from local agencies, so you should compare both in order to have the best chance of saving money. Some insurance companies do not provide online quoting and usually these regional carriers only sell through independent agents.

People leave their current company for any number of reasons including delays in responding to claim requests, being labeled a high risk driver, policy cancellation or even high prices. It doesn’t matter what your reason, choosing a new insurance company is actually quite simple.

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