How Much Does 2018 Dodge Journey Car Insurance Cost?

Want lower insurance coverage rates for your Dodge Journey? Did budget coverage turn out to be an expensive insurance coverage policy? You’re in good company because many drivers have buyer’s remorse.

Big companies like State Farm, Farmers Insurance, Geico and Allstate constantly blast consumers with ads and it is difficult to ignore the flashy ads and do the work needed to find the best deal.

If you have car insurance now, you will most likely be able to reduce your rates substantially using these tips. Choosing the best insurance company for you is not rocket science. Although car owners must comprehend the methods companies use to price insurance differently and take advantage of how the system works.

The quickest way to compare insurance rates from multiple companies utilizes the fact all the major auto insurance companies participate in online systems to give rate comparisons. The only thing you need to do is provide the companies a bit of rating information like types of safety features, your occupation, if your license is active, and if a SR-22 is needed. That information is automatically sent to all major companies and you get price estimates with very little delay.

If you wish to get multiple quotes for your car now, click here and find out if you can get cheaper insurance.

Do I need special coverages?

When it comes to choosing the best insurance coverage for your personal vehicles, there is no one size fits all plan. Everyone’s situation is a little different so this has to be addressed. For example, these questions might point out if your situation will benefit from professional help.

  • Who is covered by my policy?
  • Do I need replacement cost coverage on my 2018 Dodge Journey?
  • Am I covered when using my vehicle for business?
  • Does my 2018 Dodge Journey qualify for pleasure use?
  • Why does it cost so much to insure a teen driver?
  • Is my 2018 Dodge Journey covered for flood damage?

If you can’t answer these questions, you may need to chat with an insurance agent. If you want to speak to an agent in your area, take a second and complete this form or go to this page to view a list of companies.

Auto insurance coverages

Having a good grasp of car insurance can help you determine which coverages you need at the best deductibles and correct limits. Car insurance terms can be ambiguous and reading a policy is terribly boring. Below you’ll find typical coverage types available from car insurance companies.

Medical payments coverage and PIP

Med pay and PIP coverage provide coverage for short-term medical expenses for things like rehabilitation expenses, pain medications, hospital visits, surgery and nursing services. They can be used to fill the gap from your health insurance program or if you are not covered by health insurance. Coverage applies to both the driver and occupants and also covers being hit by a car walking across the street. PIP is not universally available but can be used in place of medical payments coverage

Auto collision coverage

This coverage pays for damage to your Journey from colliding with another car or object. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against claims like sustaining damage from a pot hole, crashing into a ditch, damaging your car on a curb and hitting a mailbox. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from lower value vehicles. You can also raise the deductible to save money on collision insurance.

Comprehensive coverage

Comprehensive insurance covers damage OTHER than collision with another vehicle or object. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for claims like rock chips in glass, hitting a deer and fire damage. The maximum amount a car insurance company will pay at claim time is the ACV or actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Uninsured/Underinsured Motorist coverage

This coverage protects you and your vehicle from other motorists when they either are underinsured or have no liability coverage at all. Covered claims include injuries to you and your family as well as your vehicle’s damage.

Because many people carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Liability

Liability insurance can cover damage that occurs to a person or their property. This coverage protects you against claims from other people, and does not provide coverage for damage to your own property or vehicle.

Split limit liability has three limits of coverage: 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 that means you have $100,000 in coverage for each person’s injuries, $300,000 for the entire accident, and a limit of $100,000 paid for damaged property.

Liability coverage protects against things like funeral expenses, legal defense fees, court costs and medical expenses. How much coverage you buy is a decision to put some thought into, but consider buying as large an amount as possible.