2016 Dodge Journey Car Insurance Quotes – 8 Tricks for Cheapest Rates

Trying to find better insurance rates for your Dodge Journey? Finding affordable insurance might appear difficult for comparing rates and buying insurance on the internet. With dozens of insurers available, how are drivers expected to efficiently compare every company in order to find cheaper insurance rates?

It’s smart to compare rates once or twice a year because prices are variable and change quite frequently. Just because you had the best deal for Journey insurance at your last renewal you may be paying too much now. There is too much inaccurate information about insurance on the web, but I’m going to show you some solid techniques on how to quit paying high insurance rates.

If you have car insurance now, you stand a good chance to be able to cut costs considerably using these techniques. The purpose of this post is to help you learn how to effectively get price quotes and some tricks to saving. But consumers must understand how big insurance companies compete online and take advantage of how the system works.

Lower-cost car insurance rates with discounts

Some insurers don’t always advertise all possible discounts very well, so the list below contains some of the best known and the more hidden ways to save on car insurance. If you check and find you aren’t receiving every discount you qualify for, you’re just leaving money on the table.

  • Discount for Home Ownership – Being a homeowner can save a few bucks because of the fact that having a home shows financial diligence.
  • Telematics Data Discounts – Insureds who allow their insurance company to monitor when and where they use their vehicle by using a telematic data system such as Drivewise from Allstate or Snapshot from Progressive could possibly reduce rates as long as the data is positive.
  • Renewal Discounts – Some insurance companies give discounts for switching to them before your current expiration date. You may see this discount when you get car insurance quotes online.
  • Distant Student – College-age children who are enrolled in a college that is more than 100 miles from home and leave their car at home could qualify for this discount.
  • Good Driver Discount – Drivers who avoid accidents can save as much as half off their rates for Journey insurance than drivers with accidents.
  • Organization Discounts – Belonging to qualifying clubs or civic groups could earn you a nice discount on car insurance.
  • Accident Free – Drivers who stay claim-free have much lower rates as opposed to policyholders that have many claims.
  • Multi-line Discount – Some insurance companies give a small discount if you purchase a life insurance policy as well.

A little note about advertised discounts, some credits don’t apply the the whole policy. Most cut specific coverage prices like collision or personal injury protection. So when it seems like you would end up receiving a 100% discount, car insurance companies aren’t that generous.

A list of car insurance companies and a partial list of their discounts include:

  • Farm Bureau may have discounts that include safe driver, 55 and retired, multi-policy, driver training, and good student.
  • Liberty Mutual policyholders can earn discounts including new vehicle discount, preferred payment discount, new graduate, new move discount, safety features, teen driver discount, and exclusive group savings.
  • State Farm may include discounts for student away at school, good driver, multiple policy, good student, multiple autos, safe vehicle, and Drive Safe & Save.
  • Auto-Owners Insurance offers premium reductions for mature driver, multi-policy, teen driver, company car, and anti-theft.
  • Geico offers discounts for membership and employees, seat belt use, five-year accident-free, anti-theft, driver training, air bags, and defensive driver.
  • SAFECO may offer discounts for teen safe driver, multi-car, accident prevention training, safe driver, and bundle discounts.

If you need cheaper car insurance quotes, ask every company how you can save money. All car insurance discounts might not apply in your state.

Tailor your insurance coverage coverage to you

When buying the right insurance coverage for your vehicles, there is no perfect coverage plan. Your needs are not the same as everyone else’s.

These are some specific questions could help you determine if your situation will benefit from professional help.

  • Does car insurance cover theft of personal property?
  • Am I covered when driving in Canada or Mexico?
  • Am I covered when delivering products for my home-based business?
  • Can I rate high risk drivers on liability-only vehicles?
  • Do I need special endorsements for business use of my vehicle?
  • How do I file an SR-22 for a DUI in my state?
  • Should I sign the liability waiver when renting a car?
  • Do I need higher collision deductibles?

If you’re not sure about those questions but one or more may apply to you, you may need to chat with an agent. If you want to speak to an agent in your area, take a second and complete this form.

Does insurance advertising bend the truth?

Respected companies like Progressive, Geico, Allstate and State Farm consistently run television and radio advertisements. They all seem to say the same thing that drivers will save a bundle if you change to them. How can each company save you money? This is the trick they use.

Insurance companies have specific criteria for the type of customer that will not have excessive claims. An example of a profitable customer may need to be a female over age 40, has no tickets, and drives a safe vehicle. Anyone who fits that profile receive the lowest rate quotes and as a result will probably save some money.

People who don’t measure up to these stringent criteria may be required to pay a more expensive rate and this can result in the prospect going elsewhere. If you pay close attention to the ads, they say “customers who switch” but not “all drivers who get quotes” save that kind of money. That’s the way insurance companies can confidently state the savings.

Because of the profiling, you need to get as many free car insurance quotes as possible. It’s just too difficult to predict which company will have the best car insurance rates for your profile.

Car insurance specifics

Knowing the specifics of a car insurance policy helps when choosing the best coverages and the correct deductibles and limits. Car insurance terms can be ambiguous and reading a policy is terribly boring.

Medical expense insurance

Med pay and PIP coverage provide coverage for short-term medical expenses such as prosthetic devices, ambulance fees and doctor visits. They are used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. It covers all vehicle occupants as well as being hit by a car walking across the street. PIP coverage is not universally available but can be used in place of medical payments coverage

Auto 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 then insurance will cover the remainder.

Collision insurance covers claims like damaging your car on a curb, scraping a guard rail, crashing into a building, sustaining damage from a pot hole and colliding with a tree. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are older. Another option is to bump up the deductible to get cheaper collision coverage.

Liability

This provides protection from damages or injuries you inflict on people or other property. It protects you against other people’s claims. It does not cover your own vehicle damage or injuries.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show liability limits of 100/300/100 which stand for a $100,000 limit per person for injuries, a total of $300,000 of bodily injury coverage per accident, and a total limit of $100,000 for damage to vehicles and property. Another option is one number which is a combined single limit which combines the three limits into one amount rather than limiting it on a per person basis.

Liability coverage pays for claims such as legal defense fees, repair costs for stationary objects, medical services and pain and suffering. How much coverage you buy is up to you, but buy as high a limit as you can afford.

Protection from uninsured/underinsured drivers

This coverage provides protection from other drivers when they do not carry enough liability coverage. Covered claims include hospital bills for your injuries as well as your vehicle’s damage.

Since a lot of drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage should not be overlooked. Most of the time these limits do not exceed the liability coverage limits.

Comprehensive (Other than Collision)

Comprehensive insurance coverage pays for damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for things like damage from a tornado or hurricane, hitting a deer, falling objects and vandalism. The most a car insurance company will pay at claim time is the actual cash value, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Saving money makes a lot of cents

Affordable 2016 Dodge Journey insurance can be found both online and from local insurance agents, and you need to price shop both in order to have the best chance of saving money. A few companies may not have rates over the internet and most of the time these smaller providers provide coverage only through independent agents.

People who switch companies do it for many reasons like denial of a claim, delays in paying claims, questionable increases in premium or even policy cancellation. Regardless of your reason for switching companies, finding a new insurance coverage company can be less work than you think.

In this article, we presented quite a bit of information on how to lower your 2016 Dodge Journey insurance car insurance rates. The key concept to understand is the more rate comparisons you have, the higher the chance of saving money. You may even find the biggest savings come from some of the smallest insurance companies.

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