Locating low-cost insurance for a new or used Dodge Journey can turn out to be difficult, but you can learn the following methods to find lower rates. There are both good and bad ways to compare car insurance rates so you’re going to learn the absolute fastest way to compare rates on a Dodge and locate the lowest price either online or from local insurance agents.
If you are paying for car insurance now, you will be able to lower your premiums substantially using this information. Pricing the lowest cost car insurance is not that difficult. But drivers must comprehend how the larger insurance companies price online insurance.
Are you getting all your discounts?
Companies don’t necessarily list all available discounts very well, so the following is a list of some of the best known and also the lesser-known car insurance savings.
- Anti-lock Brake System – Vehicles equipped with ABS or steering control can avoid accidents and will save you 10% or more.
- Discount for Good Grades – Getting good grades can get you a discount of up to 25%. The good student discount can last up until you turn 25.
- Federal Employees – Active or retired federal employment could cut as much as 10% off for Journey coverage with select insurance companies.
- Drivers Ed for Students – Make teen driver coverage more affordable by requiring them to successfully complete driver’s ed class if offered at their school.
- Homeowners Pay Less – Owning a home may trigger a car insurance policy discount because of the fact that having a home demonstrates responsibility.
- Sign Early and Save – Select companies give a discount for switching policies before your current expiration date. It can save you around 10%.
- College Student – Kids in college who attend school more than 100 miles from home without a vehicle on campus may qualify for this discount.
- Air Bag Discount – Vehicles equipped with air bags can qualify for discounts of 20% or more.
It’s important to understand that many deductions do not apply to your bottom line cost. A few only apply to specific coverage prices like physical damage coverage or medical payments. So even though they make it sound like having all the discounts means you get insurance for free, it doesn’t quite work that way.
For a list of providers who offer car insurance discounts, click here.
How to Buy Car Insurance Online
Most companies like 21st Century, Allstate and State Farm allow you to get pricing online. This process is pretty easy as you just enter your required coverages into the quote form. When the form is submitted, their rating system gets your driving and credit reports and generates pricing information based on many factors.
This helps simplify price comparisons, but the time it takes to visit each company’s website and repetitively fill out multiple forms is repetitive and time-consuming. But it is imperative to get many rate quotes if you are searching for the lowest possible prices on car insurance.
Rate comparisons made easy
A more efficient way to compare rates makes use of a single form that gets prices from many companies. This type of form saves time, eliminates repetitive work, and makes comparison shopping much easier to do. After your information is entered, your coverage is rated with multiple companies and you can pick any one of the pricing results. If one or more price quotes are lower than your current rates, you simply finish the application and buy the policy. The entire process only takes a few minutes and you will know how your current rates stack up.
To find out how much you’re overpaying now, click here and input your coverage information. If you have a policy now, it’s recommended you enter the limits and deductibles identical to your current policy. This ensures you will have a fair comparison based on similar coverages.
When might I need an agent?
When it comes to choosing the best car insurance coverage, there is no best way to insure your cars. Coverage needs to be tailored to your specific needs.
Here are some questions about coverages that might point out if your insurance needs might need an agent’s assistance.
- Does my personal auto insurance policy cover using my vehicle for business use?
- Do I have coverage when making deliveries for my home business?
- Do I have coverage for damage caused while driving under the influence?
- Is business equipment covered while in my vehicle?
- Should I sign the liability waiver when renting a car?
- Should I file a claim if it’s only slightly more than my deductible?
- Does having multiple vehicles earn me a discount?
- What if I don’t agree with a claim settlement offer?
- When does my teenage driver need to be added to my policy?
If you don’t know the answers to these questions but a few of them apply, you might consider talking to a licensed insurance agent. If you don’t have a local agent, fill out this quick form.
Do you really save 40% when you switch?
Companies like 21st Century, Allstate and State Farm consistently run ads in print and on television. All the ads make an identical promise about savings if you change your coverage to them. How does each company say the same thing?
Insurance companies are able to cherry pick for the right customer that is profitable for them. A good example of a driver they prefer might be over the age of 50, has no driving citations, and drives less than 7,500 miles a year. A driver that hits that “sweet spot” receives the best rates and as a result will probably save when they switch companies.
Potential customers who are not a match for the “perfect” profile will be charged a higher premium and ends up with business not being written. The ads state “customers that switch” but not “drivers who get quotes” save money. This is how companies can advertise the way they do. That is why it is so important to get a wide range of price quotes. Because you never know which company will give you the biggest savings.
Specific coverages for a Dodge Journey
Learning about specific coverages of your car insurance policy can be of help when determining which coverages you need at the best deductibles and correct limits. Car insurance terms can be ambiguous and coverage can change by endorsement.
Collision coverage
This pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.
Collision can pay for claims such as driving through your garage door, crashing into a building, scraping a guard rail, colliding with another moving vehicle and damaging your car on a curb. Collision coverage makes up a good portion of your premium, so consider removing coverage from lower value vehicles. It’s also possible to bump up the deductible to save money on collision insurance.
Insurance for medical payments
Coverage for medical payments and/or PIP reimburse you for bills for things like hospital visits, funeral costs and rehabilitation expenses. They are often utilized in addition to your health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover not only the driver but also the vehicle occupants as well as getting struck while a pedestrian. Personal injury protection coverage is only offered in select states and gives slightly broader coverage than med pay
Uninsured Motorist or Underinsured Motorist insurance
Your UM/UIM coverage provides protection when the “other guys” are uninsured or don’t have enough coverage. It can pay for injuries sustained by your vehicle’s occupants and damage to your Dodge Journey.
Because many people carry very low liability coverage limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages is a good idea.
Comprehensive coverage (or Other than Collision)
Comprehensive insurance coverage pays for damage OTHER than collision with another vehicle or object. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.
Comprehensive coverage protects against claims like hitting a bird, damage from flooding, falling objects and a broken windshield. The maximum payout you can receive from a comprehensive claim is the actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.
Auto liability
Liability insurance provides protection from damage or injury you incur to a person or their property that is your fault. Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see limits of 50/100/50 that means you have $50,000 bodily injury coverage, a limit of $100,000 in injury protection per accident, and property damage coverage for $50,000.
Liability insurance covers claims like repair bills for other people’s vehicles, funeral expenses and attorney fees. How much liability should you purchase? That is a personal decision, but buy as much as you can afford.
What is YOUR best insurance company?
Discount Dodge Journey insurance can be bought both online in addition to many insurance agents, and you should be comparing both in order to have the best chance of saving money. Some companies do not provide online price quotes and usually these small insurance companies provide coverage only through local independent agents.
Insureds who switch companies do it for a variety of reasons including being labeled a high risk driver, questionable increases in premium, unfair underwriting practices or even poor customer service. Whatever your reason, finding the right car insurance provider can be pretty painless.
As you prepare to switch companies, never buy lower coverage limits just to save a few bucks. There are many occasions where someone dropped uninsured motorist or liability limits to discover at claim time that it was a big mistake. The aim is to get the best coverage possible at the best price.
