Cheap 2015 Dodge Journey Car Insurance Cost

Consumers have many options when looking for affordable Dodge Journey insurance. They can either spend hours driving around to compare prices or utilize the internet to compare rates.

There are both good and bad ways to shop for insurance so you’re going to learn the absolute fastest way to compare rates on a Dodge and obtain the lowest price either online or from local insurance agents.

If you have a current insurance coverage policy or are shopping for new coverage, you will benefit by learning to get lower rates while maintaining coverages. The purpose of this article is to help you learn how car insurance quotes work. Vehicle owners just need to learn the tricks to compare price quotes online.

Buy insurance coverage online

There are several ways to compare insurance coverage quotes, but one way is less labor-intensive and much quicker. You could waste a few hours talking to insurance companies in your area, or you can stay home and use online quoting to get prices fast.

All the larger companies enroll in a system where insurance shoppers complete one form, and each participating company then returns a price quote determined by their information. This eliminates the need for form submissions for every insurance coverage company. To fill out one form to compare multiple rates now click here to start a free quote.

The single downside to using this type of form is that you can’t choose which providers you will receive quotes from. So if you want to choose from a list of companies to compare prices, we put together a list of insurance coverage companies in your area. Click to view list.

Take whichever approach you prefer, but make absolute certain that you use nearly identical deductibles and coverage limits for each price quote. If you have higher or lower deductibles it will be nearly impossible to make an equal comparison.

Advertising and insurance coverage

Drivers can’t escape the ads that claim the cheapest rates from the likes of State Farm, Geico and Progressive. All the ads make the same claim that drivers can save some big amount if you move to their company.

How is it possible that every company can offer you a better deal? It’s all in the wording.

Companies have specific characteristics for the type of driver that is profitable for them. For instance, a preferred risk might have to be married and over the age of 30, has no driving citations, and has a high credit rating. A customer getting a price quote who matches those parameters will probably get cheap premium rates and as a result will probably cut their rates substantially.

Consumers who are not a match for the “perfect” profile may be required to pay higher premiums and ends up with the customer buying from a different company. If you listen to the ad wording, they say “drivers who switch” not “all people who quote” save that much when switching. That is how insurance companies can make those claims.

Each company has different criteria, so drivers should do a quote comparison often. It’s just too difficult to predict which insurance coverage company will have the best rates at this point in time.

How your Journey insurance premiums are determined

Consumers need to have an understanding of a few of the rating criteria that play a part in calculating the level of your policy premiums. If you know what positively or negatively impacts your premiums, this empowers consumers to make smart changes that will entitle you to lower premium levels.

  • Compare rates if you bundle your policies – The majority of insurance coverage companies provide lower prices to insureds who buy several policies from them such as combining an auto and homeowners policy. Even if you already get this discount, drivers will still want to check prices from other companies to help ensure you have the lowest rates.
  • What are good liability protection limits? – Liability coverage is the protection if you are responsible for an accident. Liability provides you with a defense in court to attempt to prove you were not liable. Liability insurance is quite affordable compared to other policy coverages, so buy as much as you can afford.
  • Tickets cost more than a fine – Good drivers tend to pay less for car insurance than their less careful counterparts. Having a single chargable violation can increase the cost of insurance by as much as thirty percent. Drivers unfortunate enough to have serious violations such as DUI, reckless driving or excessive speeding might be required by their state to maintain a SR-22 with their state in order to legally drive.
  • Are you male or female? – Statistics show women are more cautious behind the wheel. That doesn’t necessarily mean that females are better at driving than males. They both cause accidents in similar percentages, but males tend to have more serious accidents. They also get higher numbers of serious violations such as driving while intoxicated (DWI) or driving recklessly.

Cheap auto insurance quotes with discounts

Companies don’t list every policy discount in an easy-to-find place, so the list below contains some of the more common in addition to some of the lesser obvious credits available to bring down your rates. If you aren’t receiving every discount you qualify for, you are throwing money away.

  • Own a Home and Save – Being a homeowner can save you money since owning and maintaining a home requires personal responsibility.
  • Accident Forgiveness Coverage – This one isn’t a discount, but a handful of insurance companies will forgive one accident without the usual rate increase as long as you don’t have any claims for a particular time prior to the accident.
  • Government Employee Discount – Active or former government employment may qualify for a discount when you quote insurance on Journey insurance with some auto insurance companies.
  • Early Signing – Some auto insurance companies reward drivers for switching to them before your current coverage expires. Ten percent is about the average savings.
  • Multiple Cars – Insuring primary and secondary vehicles on one policy can reduce rates for all insured vehicles.
  • No Claim Discounts – Insureds with no claims or accidents can save substantially in comparison with drivers with a long claim history.
  • ABS and Traction Control Discounts – Vehicles with anti-lock braking systems are much safer to drive and therefore earn up to a 10% discount.
  • Smart Student Discounts – Being a good student may save as much as 25% on a insurance quote. Most companies allow this discount well after school through age 25.
  • Pay Early and Save – If paying your policy premium upfront instead of monthly or quarterly installments you can avoid monthly service charges.

You can save money using discounts, but most of the big mark downs will not be given to the entire policy premium. Most only reduce the price of certain insurance coverages like comp or med pay. Even though it appears adding up those discounts means a free policy, company stockholders wouldn’t be very happy.

The best auto insurance companies and some of their more popular discounts can be read below.

  • Progressive discounts include continuous coverage, good student, homeowner, multi-vehicle, multi-policy, and online quote discount.
  • MetLife offers discounts for good student, good driver, accident-free, defensive driver, claim-free, and multi-policy.
  • Mercury Insurance has discounts for age of vehicle, anti-theft, low natural disaster claims, good student, multi-policy, professional/association, and good driver.
  • Nationwide offers premium reductions for easy pay, accident-free, multi-policy, Farm Bureau membership, and good student.
  • Geico offers discounts including membership and employees, daytime running lights, anti-lock brakes, good student, anti-theft, air bags, and seat belt use.
  • AAA may include discounts for pay-in-full, good driver, education and occupation, AAA membership discount, good student, multi-car, and multi-policy.

Before buying, ask each company how many discounts you can get. Some of the earlier mentioned discounts might not be available to policyholders in your area.

Tailor your insurance coverage to you

When it comes to choosing the right insurance coverage, there is no one size fits all plan. Every situation is different.

Here are some questions about coverages that could help you determine if you may require specific advice.

  • Can I pay claims out-of-pocket if I buy high deductibles?
  • What is covered by UM/UIM coverage?
  • Does coverage extend to a rental car in a foreign country?
  • How many claims can I have before being cancelled?
  • Should I file a claim if it’s only slightly more than my deductible?
  • What are the financial responsibility laws in my state?
  • Should I get collision insurance on every vehicle?
  • How much can I save by bundling my policies?
  • Why do I only qualify for high-risk insurance?
  • Does my policy pay for OEM or aftermarket parts?

If you can’t answer these questions but you think they might apply to your situation then you might want to talk to an insurance agent. If you want to speak to an agent in your area, simply complete this short form. It only takes a few minutes and you can get the answers you need.

Insurance coverage basics

Learning about specific coverages of your policy can be of help when determining appropriate coverage for your vehicles. The terms used in a policy can be confusing and even agents have difficulty translating policy wording.

Comprehensive insurance – Comprehensive insurance coverage pays for damage OTHER than collision with another vehicle or object. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for claims like hail damage, falling objects, a broken windshield and rock chips in glass. The highest amount you’ll receive from a claim is the ACV or actual cash value, so if the vehicle is not worth much consider dropping full coverage.

Med pay and Personal Injury Protection (PIP) – Coverage for medical payments and/or PIP reimburse you for short-term medical expenses for things like EMT expenses, funeral costs and X-ray expenses. They are often utilized in addition to your health insurance program or if you lack health insurance entirely. They cover all vehicle occupants in addition to getting struck while a pedestrian. PIP coverage is not available in all states and may carry a deductible

Liability – Liability coverage provides protection from injuries or damage you cause to other people or property. It protects YOU against other people’s claims. Liability doesn’t cover your injuries or vehicle damage.

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 policy limits of 100/300/100 which stand for a $100,000 limit per person for injuries, a limit of $300,000 in injury protection per accident, and $100,000 of coverage for damaged propery. Occasionally you may see one limit called combined single limit (CSL) which combines the three limits into one amount without having the split limit caps.

Liability insurance covers things like pain and suffering, attorney fees and emergency aid. The amount of liability coverage you purchase is your choice, but buy as large an amount as possible.

Uninsured/Underinsured Motorist (UM/UIM) – This protects you and your vehicle when the “other guys” either have no liability insurance or not enough. Covered losses include medical payments for you and your occupants and also any damage incurred to your Dodge Journey.

Since a lot of drivers have only the minimum liability required by law, their limits can quickly be used up. So UM/UIM coverage is very important. Normally these limits are identical to your policy’s liability coverage.

Collision coverage – Collision insurance will pay to fix damage to your Journey from colliding with another car or object. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers things such as sideswiping another vehicle, colliding with another moving vehicle, colliding with a tree, scraping a guard rail and crashing into a ditch. This coverage can be expensive, so consider removing coverage from lower value vehicles. You can also choose a higher deductible in order to get cheaper collision rates.

Get your money’s worth

People switch companies for any number of reasons including being labeled a high risk driver, lack of trust in their agent, high prices or high rates after DUI convictions. Regardless of your reason for switching companies, finding a new insurance company is less work than it seems.

Budget-conscious 2015 Dodge Journey insurance can be sourced both online as well as from insurance agents, so you need to quote insurance with both to get a complete price analysis. A few companies may not have price quotes online and many times these regional insurance providers provide coverage only through local independent agents.

As you restructure your insurance plan, it’s very important that you do not reduce coverage to reduce premium. In many cases, someone dropped collision coverage only to discover later they didn’t have enough coverage. The goal is to get the best coverage possible at the best cost while still protecting your assets.

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