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Dodge Journey Insurance Rates

Comparing car insurance by getting online quotes saves time, is easy to do and at the same time you can save money. The key to finding lower rates is to compare as many rate quotes as possible so you can compare the lowest priced insurance.

Using the web to shop for car insurance direct is challenging if you are a beginner to online rate quotes. But don't let that discourage you because it's actually quite easy. There are several ways of comparing rates and find the best price. The best method to find the lowest Journey insurance cost involves getting comparison quotes online. It is quite easy and can be accomplished by visiting this page.

What factors determine the rate you pay?

Car insurance premiums for a Dodge Journey will vary greatly and are calculated by many factors. Taken into consideration are:

  • Tickets increase premiums
  • Your credit history
  • Male rates may be higher
  • Higher deductibles save money
  • Your vehicle's safety rating
  • Your occupation
  • Insurance coverage level
  • Whether you rent or own your home

An additional factor that can impact Journey insurance rates is the year of the vehicle. Used vehicles have a reduced actual cash value than newer models so repair costs tend to be lower which may end up costing you less. Although newer vehicles may have safety features included like lane departure warning system, pedestrian detection, and tire pressure monitors so those may provide discounts that lower premiums.

To get a better understanding how rates are influenced for your specific model year, select the year of your vehicle from available model years below.

Liability - This can cover damages or injuries you inflict on other people or property. Liability insurance covers things such as emergency aid, pain and suffering, and medical services. It is cheap coverage so you should buy as much as you can afford.

Collision coverage - This coverage covers damage to your Dodge caused by collision with an object or car. You have to pay a deductible then the remaining damage will be paid by your insurance company. Journey collision insurance is rather expensive coverage, so analyze the benefit of dropping coverage from older vehicles. Another option is to raise the deductible in order to get cheaper Journey insurance rates.

Comprehensive or Other Than Collision - Comprehensive insurance will pay to fix damage that is not covered by collision coverage. You first must pay your deductible and then insurance will cover the rest of the damage. The maximum amount you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle is not worth much it's probably time to drop comprehensive insurance.

Uninsured/Underinsured Motorist coverage - This gives you protection from other motorists when they either are underinsured or have no liability coverage at all. Because many people only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is a good idea.

Medical costs insurance - Coverage for medical payments and/or PIP kick in for expenses such as doctor visits, EMT expenses, and X-ray expenses. The coverages can be used to fill the gap from your health insurance plan or if you are not covered by health insurance. PIP coverage is not an option in every state but can be used in place of medical payments coverage.

How Much are Dodge Journey Insurance Rates?