Save on 2016 Dodge Journey Insurance Quotes

Shoppers have a choice when shopping for low-cost Dodge Journey insurance. You can either spend your time driving around to compare prices or use the internet to make rate comparisons. There are more efficient ways to find insurance coverage online and we’ll show you the absolute fastest way to price shop coverage for a new or used Dodge and find the lowest possible price from both online companies and local agents.

It’s a good idea to do rate comparisons on a regular basis because insurance prices trend upward over time. Despite the fact that you may have had the best deal for Journey coverage six months ago there may be better deals available now. There is a lot of bad information regarding insurance coverage on the internet, but you can learn some good information on how to save money.

The easiest way to get rate comparisons is to understand most of the bigger providers participate in online systems to provide you with free rate quotes. To get started, all you need to do is spend a couple of minutes providing details including how much education you have, if a SR-22 is needed, the make and model of your vehicles, and deductibles desired. That information is then sent to all major companies and you should receive rate quotes immediately.

To start a quote now, click here and see if a lower rate is available.

The largest companies are not always cheapest

Consumers can’t get away from ads that claim the cheapest prices from the likes of State Farm, Allstate and Geico. All the companies try to convey promises about savings if you get a free insurance coverage quote and switch your auto insurance policy to them.

How does every auto insurance company say the same thing? Here is how they do it.

Insurance providers look for specific characteristics for the driver that will most likely be profitable. For instance, this type of risk profile might be between the ages of 30 and 50, has no prior claims, and has great credit. Someone who matches that profile receives the best premium rates and will probably save when switching.

Potential insureds who may not quite match this ideal profile may be required to pay higher prices which usually ends up with the prospect going elsewhere. If you listen closely, the ads state “people who switch” not “all people who quote” save money. That’s the way companies can truthfully make those claims. This illustrates why drivers must compare as many free insurance coverage quotes as you can. Because you never know with any certainty which company will have better premium rates than you’re paying now.

Cheaper rates with these discounts

Some insurance providers don’t always publicize every discount they offer very well, so the list below details both well-publicized and also the more inconspicuous discounts that you may qualify for.

  • Multi-policy Discount – If you combine your home and auto policies and place coverage with the same company you could get a discount of as much as 10 to 15 percent.
  • Early Signing – Some larger companies provide a discount for switching companies before your current policy expires. Ten percent is about the average savings.
  • Anti-lock Brakes – Cars, trucks, and SUVs with anti-lock braking systems can stop better under adverse conditions so you can save 10 percent or more.
  • Life Insurance – Companies who offer life insurance give better prices if you take out a life insurance policy as well.
  • Defensive Driver Discounts – Taking a driver safety course could possibly earn you a 5% discount if your company offers it.
  • Discounts for Safe Drivers – Drivers without accidents may receive a discount up to 45% for Journey coverage as compared to drivers with claims.
  • Membership in Organizations – Affiliation with a qualifying organization is a simple method to lower premiums on insurance.

As a disclaimer on discounts, many deductions do not apply to your bottom line cost. A few only apply to individual premiums such as liability and collision coverage. If you do the math and it seems like adding up those discounts means a free policy, you won’t be that lucky.

A few popular companies and some of their more popular discounts are included below.

  • State Farm may offer discounts for anti-theft, safe vehicle, Steer Clear safe driver discount, good driver, and defensive driving training.
  • Geico offers discounts including multi-policy, driver training, federal employee, daytime running lights, air bags, military active duty, and defensive driver.
  • SAFECO offers discounts for anti-theft, accident prevention training, safe driver, teen safety rewards, drive less, and anti-lock brakes.
  • Farmers Insurance discounts include business and professional, bundle discounts, multi-car, switch companies, and youthful driver.
  • AAA has discounts for education and occupation, anti-theft, good student, AAA membership discount, good driver, multi-policy, and pay-in-full.
  • USAA may have discounts that include military installation, good student, safe driver, driver training, loyalty savings, and new vehicle.

When comparing rates, check with all companies you are considering to give you their best rates. Discounts may not apply to policies everywhere.

Insurance can be complex

When buying the right insurance coverage for your personal vehicles, there is no “best” method to buy coverage. Every insured’s situation is different.

For example, these questions could help you determine whether or not you would benefit from an agent’s advice.

  • What is the rate difference between pleasure use and commuting?
  • Can I make deliveries for my home business?
  • Is extra glass coverage worth it?
  • Do all my vehicles need collision coverage?
  • Am I covered when driving on a suspended license?
  • What is high-risk coverage and where do I buy it?

If you don’t know the answers to these questions but a few of them apply, you might consider talking to an agent. If you want to speak to an agent in your area, complete this form. It is quick, free and you can get the answers you need.

Parts of your insurance policy

Learning about specific coverages of your policy aids in choosing the best coverages and the correct deductibles and limits. Insurance terms can be confusing and reading a policy is terribly boring.

Comprehensive insurance – Comprehensive insurance coverage will pay to fix damage that is not covered by collision coverage. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive coverage pays for things like hitting a deer, hitting a bird, theft and hail damage. The maximum payout your insurance company will pay is the ACV or actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Collision coverages – Collision coverage will pay to fix damage to your Journey resulting from colliding with another car or object. A deductible applies and then insurance will cover the remainder.

Collision insurance covers things like sideswiping another vehicle, driving through your garage door, colliding with a tree and hitting a mailbox. Paying for collision coverage can be pricey, so consider dropping it from older vehicles. It’s also possible to choose a higher deductible to save money on collision insurance.

Auto liability insurance – Liability coverage will cover damage or injury you incur to a person or their property. This coverage protects you from legal claims by others. Liability doesn’t cover damage to your own property or vehicle.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see liability limits of 50/100/50 that translate to a $50,000 limit per person for injuries, a per accident bodily injury limit of $100,000, and a total limit of $50,000 for damage to vehicles and property.

Liability coverage pays for claims such as medical services, bail bonds and funeral expenses. How much liability should you purchase? That is up to you, but you should buy as much as you can afford.

Coverage for medical expenses – Medical payments and Personal Injury Protection insurance provide coverage for short-term medical expenses such as prosthetic devices, rehabilitation expenses, dental work, surgery and chiropractic care. They can be used to cover expenses not covered by your health insurance policy or if you do not have health coverage. Medical payments and PIP cover all vehicle occupants and also covers being hit by a car walking across the street. Personal Injury Protection is not available in all states and may carry a deductible

Coverage for uninsured or underinsured drivers – Uninsured or Underinsured Motorist coverage gives you protection from other drivers when they are uninsured or don’t have enough coverage. This coverage pays for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Due to the fact that many drivers have only the minimum liability required by law, their limits can quickly be used up. For this reason, having high UM/UIM coverages is a good idea.

Affordable insurance is out there

People change insurance companies for a number of reasons such as an unsatisfactory settlement offer, delays in responding to claim requests, being labeled a high risk driver or high rates after DUI convictions. Whatever your reason, switching companies is pretty simple and you could end up saving a buck or two.

As you shop your coverage around, don’t be tempted to reduce needed coverages to save money. There have been many situations where someone sacrificed uninsured motorist or liability limits only to discover later that a couple dollars of savings turned into a financial nightmare. Your objective should be to purchase a proper amount of coverage at the lowest possible cost, but do not skimp to save money.

Discount 2016 Dodge Journey insurance is available online as well as from independent agents, and you should compare price quotes from both in order to have the best price selection to choose from. There are still a few companies who may not provide online rate quotes and many times these smaller providers only sell through independent agents.

More detailed insurance coverage information is available by following these links: