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Dodge Journey Insurance Rates

Finding cheaper auto insurance from online rate quotes can be fast and easy and there is a good chance you might just save a little. The most important part is to get rates from as many companies as possible in order to accurately compare every option.

If you are a novice to online auto insurance shopping, you can be overwhelmed by the hoards of online auto insurance companies and websites vying for your business. Finding a lower price on Journey insurance doesn't have to be difficult. You just have to take a little time to get quotes provided by online insurance companies. It is quite easy and can be accomplished by getting a quick quote here.

Auto insurance rates for your Dodge Journey can fluctuate considerably depending on several factors. Some of these factors include:

  • A clean driving record keeps rates low
  • Credit rating impacts rates
  • The size of your community
  • High miles vs. low miles
  • Your gender can raise or lower rates
  • The deductible you choose
  • Safety rating of your Journey
  • Claims drive up premiums
  • Having current coverage saves
  • Whether you own your home

A final factor which can affect Journey insurance rates is the model year. Models that are new have a higher actual cash value in comparison to later models so the cost to replace them may result in higher rates. On the flip side, newer models may have a trim level with safety features like adaptive cruise control, a collision avoidance system, autonomous braking, and an advanced theft deterrent system which may help offset higher rates.

For you to have a better understanding of how rates are influenced for your specific model year, select the year of your vehicle below.

Liability insurance

This coverage protects you from damage that occurs to other's property or people that is your fault. Liability can pay for things like legal defense fees, bail bonds, and repair bills for other people's vehicles. Coverage is generally pretty cheap so consider buying as high a limit as you can afford.

Collision coverage

This pays for damage to your Dodge resulting from colliding with another car or object. A deductible applies then your collision coverage will kick in. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are older. Drivers also have the option to bump up the deductible to get cheaper Journey insurance rates.

Comprehensive protection

Comprehensive insurance coverage covers damage OTHER than collision with another vehicle or object. A deductible will apply and the remainder of the damage will be paid by your Dodge Journey comprehensive insurance. The most you'll receive from a claim is the ACV or actual cash value, so if your deductible is as high as the vehicle's value consider dropping full coverage.

Uninsured Motorist or Underinsured Motorist insurance

Your UM/UIM coverage provides protection when other motorists do not carry enough liability coverage. Since a lot of drivers carry very low liability coverage limits, their limits can quickly be used up. That's why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

Medical expense coverage

Med pay and PIP coverage pay for short-term medical expenses (i.e. nursing services, prosthetic devices, and dental work). They can be utilized in addition to your health insurance program or if you lack health insurance entirely. Personal Injury Protection is not available in all states and may carry a deductible.

How Much are Dodge Journey Insurance Rates?