2010 Dodge Journey Insurance Rates

Pricey insurance can take a big chunk out of your funds and possibly require postponing other expenditures. Getting a rate comparison can lower your rates and help to lower your bills every month.

Companies like State Farm, Allstate, GEICO and Progressive continually hit you with catchy ads and it is difficult to separate fact from fiction and effectively compare rates to find the best deal.

It’s smart to compare prices yearly since rates tend to go up over time. Just because you found the lowest rate for Journey coverage last year there is a good chance you can find better prices now. Forget anything you know (or think you know) about insurance because you’re going to get a crash course in the quickest way to remove unneeded coverages and save money.

If you are insured now or are shopping for new coverage, you will benefit by learning to reduce the price you pay while maintaining coverages. Buying car insurance is quite easy. Consumers only need an understanding of the most effective way to get comparison quotes on the web.

Discounts to earn cheaper insurance coverage rates

Some insurance providers do not list all available discounts very clearly, so the next list breaks down some of the more common in addition to some of the lesser obvious insurance coverage savings.

  • ABS Brakes – Vehicles with ABS and/or traction control can avoid accidents and the ABS can save up to 10%.
  • Discount for Swiching Early – Some insurance companies give discounts for signing up before your current policy expires. The savings is around 10%.
  • Discount for Passive Restraints – Vehicles with factory air bags or motorized seat belts can get savings of 20% or more.
  • 55 and Retired – Drivers that qualify as senior citizens could receive reduced rates for Journey coverage.
  • Bundle and Save – When you combine your auto and home insurance and place coverage with the same company you may earn over 10 percent off each policy depending on the company.
  • Professional Organizations – Participating in certain professional organizations could earn you a nice discount when shopping for insurance coverage.
  • Lower Rates for Military – Having an actively deployed family member can result in better premium rates.
  • Government Employee Discount – Having worked for a branch of the government may reduce rates when you quote insurance for Journey coverage depending on your company.
  • No Accidents – Claim-free drivers are rewarded with significantly better rates on insurance quote when compared with drivers who are more careless.

One thing to note about discounts is that some credits don’t apply to your bottom line cost. Most cut the cost of specific coverages such as liability, collision or medical payments. So even though you would think you can get free auto insurance, you’re out of luck.

Larger insurance coverage companies and a summarized list of policyholder discounts can be found below.

  • GEICO offers premium reductions for multi-policy, anti-theft, daytime running lights, defensive driver, and seat belt use.
  • SAFECO discounts include safe driver, anti-lock brakes, homeowner, bundle discounts, accident prevention training, and drive less.
  • State Farm has discounts for Drive Safe & Save, anti-theft, multiple policy, good student, and good driver.
  • MetLife may offer discounts for claim-free, defensive driver, good driver, accident-free, good student, and multi-policy.
  • 21st Century offers discounts including driver training, automatic seat belts, air bags, teen driver, and early bird.
  • Progressive includes discounts for good student, online signing, multi-policy, continuous coverage, multi-vehicle, homeowner, and online quote discount.

If you need lower rates, check with each insurance company how many discounts you can get. Some of the earlier mentioned discounts might not be offered in your area. To see a list of insurance companies that have a full spectrum of discounts, click here to view.

Low cost insurance prices

Getting a cheaper price on 2010 Dodge Journey insurance can be relatively painless. Consumers just need to spend a few minutes on the computer comparing rate quotes online with multiple companies. It’s really simple and can be done in a couple of different ways.

  1. Probably the best way to get quotes is to use a rate comparison form like this one (opens in new window). This quick form keeps you from doing multiple quote forms to each individual insurance company. In just a few minutes this one form gets you price quotes from insurance companies with the best prices.
  2. A more time consuming way to analyze rates is going to each individual company website and request a quote. For examples sake, we’ll assume you want to compare rates from Auto-Owners, Progressive and American Family. In order to compare rates, you need to visit each site to enter the same coverage data repeatedly, which can be really labor intensive.

    For a list of links to insurance companies in your area, click here.

  3. The final way to get rate quotes is calling or driving to all the different insurance agencies. The fact that you can get quotes online eliminates the need for an insurance agent unless you have a complicated situation and need the professional advice that only an agent can give. If you prefer, some companies allow you to compare online quotes but have your policy serviced through an agent.

Whichever way you use, make sure you compare equivalent coverage limits and deductibles with each company. If you enter higher or lower deductibles it will be impossible to get a fair rate comparison.

Dodge Journey insurance premium factors

Many factors are taken into consideration when premium rates are determined. Some are pretty understandable such as traffic violations, but others are less obvious like your vehicle usage or your vehicle rating.

  • Lower premiums for cars with good safety ratings – Vehicles with good safety scores tend to be cheaper to insure. Safer cars reduce injuries and better occupant protection translates directly to fewer claims which can result in lower premiums. If the Dodge Journey earned at least four stars on Safercar.gov or an “acceptable” rating on iihs.org you may pay a lower rate.
  • Keep policy claims to a minimum – If you file claims often, you shouldn’t be surprised to get higher rates. Companies provide the lowest premiums to insureds who are not frequent claim filers. Your insurance policy is designed for more catestrophic claims.
  • Being married can lower costs – Your spouse may earn you lower rates compared to being single. Having a significant other usually means you are more stable financially and it’s statistically proven that married drivers tend to file fewer claims.
  • Which gender costs less? – Statistics demonstrate that men are more aggressive behind the wheel. That doesn’t necessarily mean that males are worse at driving than females. Females and males cause accidents in similar numbers, but guys tend to have higher claims. Not only are claims higher, but men have more aggressive citations such as driving while intoxicated (DWI) or driving recklessly. Young males cause the most accidents so they pay the highest premiums.
  • Pay more of a claim out-of-pocket – The deductibles tell how much you are willing to pay if you file a covered claim. Insurance for physical damage, also called comprehensive and collision insurance, covers damage that occurs to your car. Some coverage claims would be collision with another vehicle, damage caused by hail, and damage from wind. The more expense you’re willing to pay, the less your company will charge you for insurance for Journey coverage.

Tailor your car insurance coverage to you

When it comes to buying proper insurance coverage, there really is not a best way to insure your cars. Everyone’s needs are different so your insurance should reflect that Here are some questions about coverages that can aid in determining if your insurance needs might need professional guidance.

  • How much liability do I need to cover my assets?
  • Should I have combined single limit or split liability limits?
  • Is there coverage for injuries to my pets?
  • Do I have any recourse if my insurance company denies a claim?
  • Is extra glass coverage worth it?
  • Is pleasure use cheaper than using my 2010 Dodge Journey to commute?
  • Am I covered when renting a car or should I buy coverage from the car rental agency?
  • I don’t drive much so do I pay less?
  • What companies insure drivers after a DUI or DWI?
  • Does my medical payments coverage pay my health insurance deductible?

If it’s difficult to answer those questions but a few of them apply, you may need to chat with a licensed insurance agent. To find an agent in your area, complete this form or you can go here for a list of companies in your area. It’s fast, doesn’t cost anything and you can get the answers you need.

Insurance coverage companies are expert advertisers

Consumers can’t get away from all the ads that promise big savings for switching from the likes of 21st Century, Allstate and State Farm. All the companies advertise claims that you’ll save big if you switch to their company.

How is it plausible that every one can say the same thing? Here is the trick they use.

Many companies look for specific characteristics for the type of customer that earns them the most money. A good example of a profitable customer should be between the ages of 40 and 55, has never had a policy lapse, and drives less than 10,000 miles a year. Any new insured who meets those qualifications will get the preferred prices and as a result will probably save some money.

Insureds who fall outside these criteria will probably be forced to pay a higher premium and this results in business not being written. If you pay attention, the ads say “drivers who switch” not “all people who quote” save that kind of money. That is how insurance companies can confidently claim big savings. Because every company is different, you should get insurance quotes as often as possible. Because you never know the company that will have better car insurance rates than you’re paying now.

What insurance coverages do you need?

Having a good grasp of your policy aids in choosing the right coverages for your vehicles. Policy terminology can be ambiguous and nobody wants to actually read their policy. Shown next are the usual coverages available from insurance companies.

Comprehensive or Other Than Collision

This covers damage from a wide range of events other than collision. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for claims like theft, hitting a deer, rock chips in glass, fire damage and a tree branch falling on your vehicle. The maximum amount you’ll receive from a claim is the ACV or actual cash value, so if the vehicle is not worth much consider dropping full coverage.

UM/UIM Coverage

This gives you protection when other motorists do not carry enough liability coverage. Covered claims include injuries to you and your family as well as your vehicle’s damage.

Since a lot of drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.

Collision protection

This coverage pays to fix your vehicle from damage resulting from colliding with an object or car. A deductible applies then your collision coverage will kick in.

Collision coverage protects against things like colliding with a tree, crashing into a ditch, hitting a mailbox and scraping a guard rail. This coverage can be expensive, so you might think about dropping it from lower value vehicles. You can also increase the deductible to get cheaper collision coverage.

Auto liability

This coverage will cover injuries or damage you cause to other people or property that is your fault. It protects you against other people’s claims. Liability doesn’t cover damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see limits of 25/50/25 which means $25,000 in coverage for each person’s injuries, $50,000 for the entire accident, and a total limit of $25,000 for damage to vehicles and property.

Liability insurance covers things such as structural damage, attorney fees and medical services. The amount of liability coverage you purchase is a decision to put some thought into, but you should buy as large an amount as possible.

Medical costs insurance

Personal Injury Protection (PIP) and medical payments coverage provide coverage for short-term medical expenses such as doctor visits, prosthetic devices and rehabilitation expenses. They can be used to cover expenses not covered by your health insurance program or if you lack health insurance entirely. It covers not only the driver but also the vehicle occupants in addition to any family member struck as a pedestrian. PIP is not an option in every state but can be used in place of medical payments coverage

You can do this!

Cheap 2010 Dodge Journey insurance is definitely available both online as well as from insurance agents, so you need to quote insurance with both to get a complete price analysis. Some insurance providers may not have online rate quotes and usually these regional carriers work with independent insurance agencies.

As you restructure your insurance plan, it’s a bad idea to buy less coverage just to save a little money. There are many occasions where an insured cut physical damage coverage only to discover later that the savings was not a smart move. The proper strategy is to purchase plenty of coverage at the best price but still have enough coverage for asset protection.

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