2011 Dodge Journey Insurance Quotes

Trying to find the cheapest insurance coverage rates for your Dodge Journey? Finding low cost coverage rates for insurance coverage is a challenge for drivers new to comparing prices online. With such a large number of agents and insurers available, it can easily be a challenge to find a more affordable company.

It’s a good habit to check insurance coverage prices before your next renewal due to the fact that insurance prices change regularly. Just because you found the best rates on Journey coverage a year ago you can probably find a better premium rate now. There is lot of inaccurate information about insurance coverage online but in a few minutes you can learn the best ways to buy insurance coverage cheaper.

Cut your insurance rates with discounts

Some insurers don’t always advertise every possible discount very clearly, so the next list breaks down both well-publicized as well as some of the hidden discounts that may be available.

  • Service Members Pay Less – Having a deployed family member could mean lower insurance rates.
  • Air Bag Discount – Vehicles equipped with air bags or motorized seat belts can qualify for discounts as much as 30%.
  • Low Mileage Discounts – Driving less can qualify you for substantially lower rates.
  • Homeowners Pay Less – Owning a house can help you save on insurance since owning and maintaining a home requires a higher level of personal finance.
  • Accident Free – Insureds with no claims or accidents can earn big discounts when compared with bad drivers.

As a footnote on discounts, most discount credits are not given to the entire policy premium. Most only reduce the price of certain insurance coverages like collision or personal injury protection. Despite the fact that it seems like all those discounts means the company will pay you, insurance companies aren’t that generous.

To view companies offering insurance discounts, follow this link.

Four factors that impact insurance prices

Many things are used in the calculation when you get a price on insurance. Some are obvious like a motor vehicle report, but others are less obvious like your continuous coverage or how safe your car is.

  • Liability insurance limits are a factor – Liability coverage will afford coverage when you are responsible for an accident. Your liability coverage provides legal defense coverage starting from day one. It is affordable coverage when compared with rates for comp and collision, so buy as much as you can afford.
  • Poor driving leads to higher rates – Whether or not you get tickets can have a huge impact on auto insurance premiums. Attentive drivers get better rates than bad drivers. Even a single speeding ticket or other violation can increase the cost of insurance by twenty percent. Drivers unfortunate enough to have severe violations like DUI or reckless driving are required to file a proof of financial responsibility form (SR-22) with their state’s licensing department in order to prevent a license revocation.
  • Gaps in coverage mean higher car insurance rates – Going without insurance is a fast way to trigger a rate increase. In addition to paying higher rates, failure to provide proof of insurance may earn you a steep fine or even jail time.
  • Single vs. married – Having a spouse helps lower the price compared to being single. Having a spouse generally demonstrates drivers are less irresponsible it has been statistically shown that married drivers tend to have fewer serious accidents.

You are unique and your insurance should be too

When choosing adequate coverage, there really is not a perfect coverage plan. Every insured’s situation is different.

Here are some questions about coverages that can help discover whether your personal situation will benefit from professional help.

  • Why is insurance for a teen driver so high?
  • Am I covered by my employer’s commercial auto policy when driving my personal car for business?
  • What is roadside assistance coverage?
  • Do I need higher collision deductibles?
  • Will my rates increase for filing one claim?
  • Should I sign the liability waiver when renting a car?

If it’s difficult to answer those questions, you may need to chat with a licensed agent. To find an agent in your area, take a second and complete this form.

Tricks in car insurance advertising

Well-known car insurance companies like State Farm and Allstate endlessly run ads in print and on television. They all seem to say the same thing that you’ll save big if you move your coverage. It sounds good, but how can they all make the same claim? Here is how they do it.

All the different companies are able to cherry pick for a prospective insured that will not have excessive claims. For example, a driver they prefer may need to be over the age of 50, owns a home, and insures a new vehicle. A driver that meets those criteria may get the lowest premium rates and will probably cut their rates if they switch.

Drivers who fall outside these stringent criteria must pay higher premiums which results in the prospect going elsewhere. If you pay close attention to the ads, they say “people that switch” not “all people who quote” save that much. That’s why insurance companies can lure you into getting a quote.

Because of the profiling, it’s extremely important to get as many free auto insurance quotes as possible. Because you never know which car insurance company will have the best prices for your profile.

Car insurance 101

Having a good grasp of your policy can help you determine which coverages you need and proper limits and deductibles. The coverage terms in a policy can be confusing and nobody wants to actually read their policy.

Comprehensive coverage (or Other than Collision) – Comprehensive insurance coverage pays for damage that is not covered by collision coverage. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers claims such as hitting a bird, fire damage and a tree branch falling on your vehicle. The maximum amount your auto insurance company will pay is the market value of your vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.

Insurance for medical payments – Med pay and PIP coverage reimburse you for immediate expenses like nursing services, ambulance fees, dental work, doctor visits and prosthetic devices. They are used to cover expenses not covered by your health insurance policy or if you do not have health coverage. It covers not only the driver but also the vehicle occupants in addition to getting struck while a pedestrian. Personal Injury Protection is only offered in select states and gives slightly broader coverage than med pay

Auto liability – Liability coverage can cover damage that occurs to other people or property in an accident. It protects you against claims from other people, and does not provide coverage for damage to your own property or vehicle.

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 liability limits of 50/100/50 which stand for a $50,000 limit per person for injuries, a total of $100,000 of bodily injury coverage per accident, and $50,000 of coverage for damaged propery. Alternatively, you may have a combined limit that pays claims from the same limit rather than limiting it on a per person basis.

Liability insurance covers claims like medical expenses, bail bonds, court costs, loss of income and pain and suffering. How much liability should you purchase? That is your choice, but buy as much as you can afford.

Uninsured Motorist or Underinsured Motorist insurance – This coverage protects you and your vehicle when other motorists do not carry enough liability coverage. This coverage pays for hospital bills for your injuries as well as your vehicle’s damage.

Because many people carry very low liability coverage limits, their limits can quickly be used up. So UM/UIM coverage is a good idea. Normally these coverages are similar to your liability insurance amounts.

Collision coverage – Collision insurance pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. You have to pay a deductible then your collision coverage will kick in.

Collision coverage pays for claims like damaging your car on a curb, sustaining damage from a pot hole, scraping a guard rail, backing into a parked car and hitting a mailbox. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are 8 years or older. Another option is to bump up the deductible to save money on collision insurance.

Be a money saver!

Consumers leave their current company for a number of reasons such as denial of a claim, questionable increases in premium, delays in paying claims and even not issuing a premium refund. It doesn’t matter what your reason, finding the right insurance provider is not as difficult as it may seem.

Lower-priced insurance can be sourced on the web and with local insurance agents, so you should be comparing quotes from both so you have a total pricing picture. There are still a few companies who may not have rates over the internet and usually these small, regional companies prefer to sell through local independent agencies.

We just presented quite a bit of information on how to compare 2011 Dodge Journey insurance premium rates online. The key concept to understand is the more you quote auto insurance, the better your chances of lowering your prices. Consumers could even find that the lowest premium rates are with some of the lesser-known companies.

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