View 2018 Dodge Journey Car Insurance Quotes

No normal person looks forward to paying for car insurance, especially when they are aware that they could find better rates elsewhere.

Many insurers vie to insure your vehicles, so it can be very hard to choose a insurance company to find the absolute best price available.

Pay discount rates these discounts

The cost of insuring your cars can be expensive, but there could be available discounts that you may not know about. Many discounts should be triggered at the time you complete a quote, but occassionally some discounts must be inquired about in order for you to get them.

  • Professional Memberships – Belonging to specific professional or occupational memberships or organizations is a good way to get lower rates when shopping for insurance.
  • New Car Discount – Insuring a new car can be considerably cheaper because newer models are generally safer.
  • First Accident Forgiveness – This one is not really a discount per se, but a handful of insurance companies may permit one accident before raising your premiums if you have no claims for a certain period of time.
  • Low Mileage Discounts – Driving fewer miles could qualify for lower insurancerates on the low mileage vehicles.
  • Early Signing – A few insurance companies offer discounts for switching policies early. The savings is around 10%.
  • Multi-Vehicle Discounts – Purchasing coverage when you have multiple vehicles with the same company may reduce the rate for each vehicle.
  • Discounts for Government Workers – Employees or retirees of the government can earn a discount up to 10% for Journey coverage with select insurance companies.

A quick disclaimer, most discounts do not apply to your bottom line cost. Some only reduce the price of certain insurance coverages like comprehensive or collision. If you do the math and it seems like having all the discounts means you get insurance for free, it’s just not the way it works. Any amount of discount will help reduce your insurance premiums.

To see insurance companies that have a full spectrum of discounts, click here to view.

Informed consumers know how to quote insurance coverage cheaper

Consumers need to have an understanding of the factors that help calculate the level of your policy premiums. When consumers understand what determines base rates, this helps enable you to make changes that will entitle you to lower rates. Multiple criteria are used when premium rates are determined. A few of the factors are predictable like your driving record, although others are not quite as obvious like where you live and annual miles driven.

  • Lower rates by increasing coverage deductibles – The deductibles you choose define the amount you are willing to pay if a covered claim is submitted. Physical damage coverage, termed comprehensive and collision coverage on your policy, covers damage that occurs to your car. Some examples of claims that would be covered would be collision with another vehicle, animal collisions, and having a roll-over accident. The more money the insured is willing to pay, the less your insurance coverage will be for Journey coverage.
  • Cars with good safety ratings cost less to insure – Vehicles with high crash test scores cost less to insure. Vehicles engineered for safety have better occupant injury protection and fewer injuries translates into savings for insurance companies and lower rates for you.
  • Annual mileage and car insurance costs – Driving more miles in a year’s time the more you will pay for insurance coverage. A lot of insurance companies rate vehicles based on how the vehicle is used. Vehicles that are left in the garage can be on a lower rate level than cars that get driven a lot. Incorrect rating for your Journey may be costing you. It’s a smart idea to ensure your insurance coverage policy properly reflects the correct usage for each vehicle.
  • Job reflects on rates – Did you know your career choice can influence rates? Jobs like real estate brokers, social workers and emergency personnel have higher rates than the rest of us because of stressful work requirements and incredibly demanding work hours. On the flip side, jobs such as farmers, athletes and homemakers get better rates for Journey coverage.
  • Marriage pays dividends – Walking down the aisle can get you a discount when shopping for insurance coverage. Having a significant other demonstrates that you tend to be more mature than a single person and insurance companies reward insureds because drivers who are married file infrequent claims.
  • City traffic equals higher costs – Choosing to live in less populated areas of the country can be a good thing when talking about insurance coverage. Fewer people means less chance of accidents and a lower car theft rate. Residents of big cities regularly have more traffic problems and longer commutes to work. More time on the road statistically corresponds to a higher accident and claim rate.
  • Alarm systems save money – Driving a car with an alarm system can help lower your rates. Anti-theft features like OnStar found on GM vehicles, advanced tracking like LoJack, and vehicle immobilization systems all hinder your vehicle from being stolen.

Special considerations

When choosing adequate coverage for your vehicles, there isn’t really a best way to insure your cars. Coverage needs to be tailored to your specific needs so this has to be addressed. These are some specific questions might help in determining if your situation would benefit from an agent’s advice.

  • Is upholstery damage covered by car insurance?
  • Am I missing any policy discounts?
  • I have good health insurance, so how much medical payments coverage do I need?
  • Do I benefit by insuring my home with the same company?
  • How many claims can I have before being cancelled?
  • Is my dog or cat covered if injured in an accident?
  • Can I afford low physical damage deductibles?
  • Am I covered if I break a side mirror?
  • Should I file a claim if it’s only slightly more than my deductible?
  • What happens if I owe more than my 2018 Dodge Journey is worth?

If you can’t answer these questions but a few of them apply, you might consider talking to a licensed insurance agent. To find lower rates from a local agent, fill out this quick form or you can go here for a list of companies in your area.

Is there deception in advertising?

Respected companies like State Farm, Allstate and Geico constantly bombard you with ads in print and on television. They all make an identical promise that people will save just by moving to their company. But how can every company charge less that you’re paying now? Here is how they do it.

Most companies have specific guidelines for the type of customer that earns them a profit. For example, a driver they prefer might be over the age of 40, has never had a claim, and drives a car with an anti-theft system. Any new insured who fits that profile will get low premium rates as well as cut their rates if they switch.

Drivers who do not match the requirements will probably be forced to pay a higher rate and this results in the customer buying from someone else. The trick companies use is to say “drivers who switch” not “all people who quote” save that much when switching. That’s why companies can advertise the way they do.

This emphasizes why drivers should do a quote comparison often. It’s just not possible to know which company will have the lowest prices for your situation.

Auto insurance policy specifics

Learning about specific coverages of your policy can help you determine the right coverages for your vehicles. Policy terminology can be impossible to understand and reading a policy is terribly boring. Below you’ll find typical coverages offered by auto insurance companies.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Your UM/UIM coverage protects you and your vehicle when the “other guys” either have no liability insurance or not enough. Covered claims include injuries sustained by your vehicle’s occupants and damage to your 2018 Dodge Journey.

Since a lot of drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage should not be overlooked. Most of the time the UM/UIM limits are set the same as your liablity limits.

Liability coverages

This coverage protects you from damage that occurs to a person or their property. It protects YOU against claims from other people, and doesn’t cover damage to your own property or vehicle.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. Your policy might show liability limits of 25/50/25 that translate to a $25,000 limit per person for injuries, $50,000 for the entire accident, and a total limit of $25,000 for damage to vehicles and property. Occasionally you may see one number which is a combined single limit that pays claims from the same limit with no separate limits for injury or property damage.

Liability can pay for claims like attorney fees, legal defense fees, court costs, loss of income and repair costs for stationary objects. The amount of liability coverage you purchase is your choice, but buy higher limits if possible.

Coverage for collisions

This coverage pays to fix your vehicle from damage resulting from colliding with an object or car. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for claims like scraping a guard rail, hitting a mailbox, backing into a parked car and sustaining damage from a pot hole. This coverage can be expensive, so consider removing coverage from vehicles that are older. It’s also possible to bump up the deductible to bring the cost down.

Medical payments and PIP coverage

Med pay and PIP coverage kick in for expenses for surgery, prosthetic devices, pain medications, rehabilitation expenses and dental work. 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 and will also cover if you are hit as a while walking down the street. Personal Injury Protection is only offered in select states but can be used in place of medical payments coverage

Comprehensive auto coverage

This pays to fix your vehicle from damage from a wide range of events other than collision. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive insurance covers things such as a tree branch falling on your vehicle, hitting a bird, a broken windshield and vandalism. The most your auto insurance company will pay is the actual cash value, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

A little work can save a LOT of money

As you prepare to switch companies, do not skimp on coverage in order to save money. In too many instances, someone dropped uninsured motorist or liability limits only to regret at claim time that the savings was not a smart move. The aim is to buy a smart amount of coverage at an affordable rate but still have enough coverage for asset protection.

We just showed you a lot of techniques to reduce 2018 Dodge Journey insurance premium rates online. The most important thing to understand is the more price quotes you have, the better likelihood of getting cheap insurance coverage. You may even discover the best premium rates are with a small mutual company. Smaller companies may often insure only within specific states and give getter rates than the large multi-state companies such as State Farm, Geico and Nationwide.

Additional detailed information can be found at these sites: