2010 Dodge Journey Insurance Rates

Looking for lower auto insurance rates for your Dodge Journey? Finding low-cost insurance for a new or used Dodge Journey can normally be a lot of work, but you can learn these tips and make it easy.

There are more efficient ways to buy auto insurance and we’ll show you the best way to compare rates for a Dodge and locate the cheapest rates from both online companies and local agents.

Don’t overlook these discounts

Car insurance is not cheap, but discounts can save money and there are some available that can drop the cost substantially. Certain discounts will be applied at quote time, but some may not be applied and must be specifically requested before you get the savings. If you don’t get every credit you deserve, you’re paying more than you need to.

  • Life Insurance Discount – Select insurance companies reward you with a break if you buy a life insurance policy as well.
  • Braking Control Discount – Anti-lock brake equipped vehicles prevent accidents and therefore earn up to a 10% discount.
  • Defensive Driving Course – Successfully completing a defensive driving course could possibly earn you a 5% discount if your company offers it.
  • No Claims – Drivers who don’t have accidents can earn big discounts when compared with bad drivers.
  • Memberships – Belonging to a professional or civic organization could qualify you for a break when buying car insurance for Journey coverage.

Consumers should know that many deductions do not apply the the whole policy. Most cut individual premiums such as medical payments or collision. So despite the fact that it appears adding up those discounts means a free policy, you’re out of luck. Any qualifying discounts will help reduce your overall premium however.

For a list of companies with discount car insurance rates, click this link.

Automobile Insurance Quotes

All the larger car insurance companies such as Progressive, Allstate and Geico allow you to get coverage prices on their websites. This process is quite easy as you just enter your coverage information as requested by the quote form. Once entered, the system automatically orders information on your driving record and credit history and gives you a price quote.

Quoting online helps simplify price comparisons, but the time required to go to each company’s website and repetitively fill out multiple forms gets old quite quickly. But it is imperative to perform this step in order to find the lowest possible prices on car insurance.

Quote rates the easy way

A quicker way to lower your rates uses one form to obtain quotes from multiple companies. This type of form saves time, eliminates form submissions, and makes rate comparisons much more enjoyable and efficient. After sending your information, it gets priced and you can choose any one of the returned quotes.

If one or more price quotes are lower than your current rates, you can simply submit the application and purchase the new policy. It takes less than 15 minutes and you’ll know if lower rates are available.

To compare rates now, click here and complete the simple form. If you have a policy now, it’s recommended you copy the insurance coverages exactly as shown on your declarations page. Doing this assures you will have a fair comparison based on similar coverages.

Is my situation unique?

When buying the right insurance coverage for your vehicles, there is no “perfect” insurance plan. Everyone’s needs are different.

These are some specific questions might help in determining if your situation may require specific advice.

  • Should I drop comprehensive coverage on older vehicles?
  • Why do I need rental car insurance?
  • Am I covered when pulling a rental trailer?
  • Do I need an umbrella policy?
  • Does my insurance cover my expensive audio equipment?
  • Should I buy more coverage than the required minimum liability coverage?
  • Is extra glass coverage worth it?

If it’s difficult to answer those questions but one or more may apply to you, you may need to chat with an agent. If you don’t have a local agent, take a second and complete this form. It only takes a few minutes and can provide invaluable advice.

Car insurance coverage specifics

Knowing the specifics of a car insurance policy can help you determine the right coverages and proper limits and deductibles. Policy terminology can be ambiguous and coverage can change by endorsement.

Comprehensive coverage

Comprehensive insurance coverage will pay to fix damage that is not covered by collision coverage. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for claims like hail damage, damage from getting keyed, fire damage, damage from flooding and a tree branch falling on your vehicle. The highest amount you’ll receive from a claim is the cash value of the vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Uninsured/Underinsured Motorist coverage

Uninsured or Underinsured Motorist coverage provides protection 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, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea. Usually these limits are identical to your policy’s liability coverage.

Auto liability

Liability coverage will cover damages or injuries you inflict on a person or their property in an accident. This coverage protects you from claims by other people. It does not cover damage sustained by your vehicle in an accident.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see policy limits of 50/100/50 which means $50,000 bodily injury coverage, a total of $100,000 of bodily injury coverage per accident, and a limit of $50,000 paid for damaged property. Occasionally you may see one number which is a combined single limit which limits claims to one amount rather than limiting it on a per person basis.

Liability coverage pays for things such as repair bills for other people’s vehicles, attorney fees, loss of income and emergency aid. How much liability should you purchase? That is up to you, but consider buying as much as you can afford.

Collision insurance

This covers damage to your Journey from colliding with an object or car. You will need to pay your deductible then your collision coverage will kick in.

Collision coverage protects against claims such as crashing into a ditch, backing into a parked car, hitting a mailbox, scraping a guard rail and rolling your car. Collision coverage makes up a good portion of your premium, so consider removing coverage from lower value vehicles. Drivers also have the option to bump up the deductible to save money on collision insurance.

Medical payments coverage and PIP

Personal Injury Protection (PIP) and medical payments coverage provide coverage for bills like nursing services, X-ray expenses, pain medications and surgery. The coverages can be used to fill the gap from your health insurance plan or if you do not have health coverage. They cover all vehicle occupants as well as being hit by a car walking across the street. PIP is only offered in select states but can be used in place of medical payments coverage

Compare but don’t skimp

Low-cost 2010 Dodge Journey insurance is available both online as well as from independent agents, and you should compare price quotes from both to have the best selection. Some insurance companies don’t offer you the ability to get quotes online and many times these smaller companies only sell through independent insurance agents.

People change insurance companies for a number of reasons such as unfair underwriting practices, being labeled a high risk driver, poor customer service and even questionable increases in premium. Regardless of your reason for switching companies, finding the right insurance provider can be easy and end up saving you some money.

As you prepare to switch companies, it’s a bad idea to skimp on coverage in order to save money. In too many instances, someone dropped liability coverage limits and discovered at claim time that it was a big error on their part. Your strategy should be to buy the best coverage you can find at a price you can afford while not skimping on critical coverages.

To read more, take a look at the articles below: