Save on 2016 Dodge Journey Car Insurance Rates

Having to pay for expensive Dodge Journey insurance can dwindle your budget and make it impossible to make ends meet. Getting a rate comparison can save money and help to cut your insurance bill.

Many insurance companies vie to insure your vehicles, and because of this it can be hard to compare insurers to discover the definitive best rate

Lower rate quotes with these discounts

Insuring your fleet can be pricey, but there are discounts available that could drop your premiums quite a bit. Certain discounts will be applied when you purchase, but some discounts are required to be specifically requested before you get the savings.

  • E-sign Discounts – Certain larger companies may give you up to $50 for buying your policy on the web.
  • Anti-theft Discount – Cars, trucks, and SUVs equipped with tracking devices and advanced anti-theft systems can help prevent theft and will save you 10% or more.
  • Multi-policy Discount – If you insure your home and vehicles with the same company you could save nearly 15% which can help you find low cost car insurance.
  • Drivers Education – Require your teen driver to successfully complete driver’s ed class as it will make them better drivers and lower rates.
  • ABS Braking Discount – Cars and trucks with ABS braking systems or traction control prevent accidents and earn discounts up to 10%.
  • Safety Restraint Discount – Using a seat belt and requiring all passengers to buckle their seat belts can save up to 10 percent (depending on the company) on the medical payments or PIP coverage costs.
  • Passive Restraints and Air Bags – Vehicles equipped with air bags may qualify for discounts of up to 25% or more.
  • Clubs and Organizations – Belonging to qualifying clubs or civic groups could qualify you for a break when shopping for insurance.
  • Data Collection Discounts – People who choose to allow their insurance company to study vehicle usage by using a small device installed in their vehicle such as State Farm’s In-Drive may see discounts if they show good driving skills.

It’s important to understand that some credits don’t apply to all coverage premiums. Most only reduce individual premiums such as physical damage coverage or medical payments. Just because you may think adding up those discounts means a free policy, company stockholders wouldn’t be very happy.

Large insurance companies and some of their more popular discounts include:

  • Farmers Insurance has discounts for electronic funds transfer, teen driver, bundle discounts, good student, pay in full, homeowner, and distant student.
  • State Farm may include discounts for anti-theft, accident-free, multiple autos, student away at school, and good driver.
  • Liberty Mutual has savings for new graduate, teen driver discount, exclusive group savings, multi-car, new move discount, preferred payment discount, and newly retired.
  • MetLife includes discounts for claim-free, good driver, accident-free, defensive driver, good student, and multi-policy.
  • Progressive offers discounts for homeowner, good student, continuous coverage, online quote discount, online signing, multi-vehicle, and multi-policy.

When quoting, ask each company how you can save money. Depending on the company, some discounts may not be offered in your area. To see companies offering insurance discounts, click here.

Car insurance can be complex

When buying coverage for your vehicles, there really is no perfect coverage plan. Coverage needs to be tailored to your specific needs so this has to be addressed. These are some specific questions may help you determine whether you may require specific advice.

  • Will I be non-renewed for getting a DUI or other conviction?
  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • Why am I required to get a high-risk car insurance policy?
  • Does my liability insurance cover pulling a trailer or camper?
  • Which is better, split liability limits or combined limits?
  • Am I covered if I crash into my own garage door?
  • I don’t drive much so do I pay less?
  • What if I total my 2016 Dodge Journey and owe more than it’s worth?
  • Can I pay claims out-of-pocket if I buy high deductibles?
  • When should I not file a claim?

If you can’t answer these questions but a few of them apply, you might consider talking to a licensed agent. If you don’t have a local agent, take a second and complete this form or you can also visit this page to select a carrier It’s fast, doesn’t cost anything and can help protect your family.

Don’t listen to company ads

Drivers constantly see and hear ads that claim the cheapest car insurance rates from the likes of Progressive, Allstate and GEICO. They all make an identical promise about how much you will save if you move to them.

It sounds good, but how can they all sell you cheaper insurance coverage?

All companies look for specific characteristics for the type of driver that earns them the most money. A good example of a desirable insured could be between the ages of 30 and 50, has other policies, and does not commute to work. Anyone who matches that profile gets the lowest rates as well as save when they switch companies.

Potential customers who fall short of this ideal profile may receive a higher rate with the end result being the prospect going elsewhere. The wording the ads use say “drivers who switch” not “everyone who quotes” save that much when switching. That is how insurance companies can lure you into getting a quote.

This really emphasizes why drivers must compare price quotes frequently. It’s impossible to know with any certainty which company will provide you with the cheapest car insurance rates.

Car insurance coverage information

Knowing the specifics of insurance aids in choosing appropriate coverage for your vehicles. The coverage terms in a policy can be confusing and coverage can change by endorsement. Shown next are typical coverages found on the average insurance policy.

UM/UIM Coverage – This gives you protection when the “other guys” either have no liability insurance or not enough. This coverage pays for hospital bills for your injuries and also any damage incurred to your Dodge Journey.

Since a lot of drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage should not be overlooked. Usually these limits are identical to your policy’s liability coverage.

Medical costs insurance – Coverage for medical payments and/or PIP reimburse you for expenses for chiropractic care, dental work, hospital visits and funeral costs. The coverages can be used to fill the gap from your health insurance policy or if there is no health insurance coverage. Coverage applies to all vehicle occupants as well as any family member struck as a pedestrian. Personal Injury Protection is not universally available but it provides additional coverages not offered by medical payments coverage

Collision coverage – This coverage covers damage to your Journey resulting from a collision with another car or object. A deductible applies then the remaining damage will be paid by your insurance company.

Collision coverage pays for claims such as rolling your car, hitting a parking meter, scraping a guard rail, sustaining damage from a pot hole and crashing into a ditch. Collision coverage makes up a good portion of your premium, 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.

Liability coverages – This provides protection from damage or injury you incur to people or other property by causing an accident. This coverage protects you against claims from other people. It does not cover your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have values of 100/300/100 which stand for a limit of $100,000 per injured person, a total of $300,000 of bodily injury coverage per accident, and property damage coverage for $100,000. Alternatively, you may have a combined limit that pays claims from the same limit and claims can be made without the split limit restrictions.

Liability can pay for things such as bail bonds, legal defense fees, emergency aid and court costs. The amount of liability coverage you purchase is a decision to put some thought into, but it’s cheap coverage so purchase higher limits if possible.

Comprehensive or Other Than Collision – This coverage covers damage from a wide range of events other than collision. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive coverage protects against claims such as a tree branch falling on your vehicle, fire damage, damage from getting keyed, theft and vandalism. The highest amount a insurance company will pay at claim time is the market value of your vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.

The bottom line

As you prepare to switch companies, do not reduce needed coverages to save money. There are a lot of situations where an insured dropped comprehensive coverage or liability limits only to discover later that it was a big error on their part. Your objective should be to get the best coverage possible at an affordable rate and still be able to protect your assets.

You just read some good ideas how to save on 2016 Dodge Journey insurance. It’s most important to understand that the more rate quotes you have, the better your comparison will be. You may even discover the most savings is with a smaller regional carrier. These companies may have significantly lower prices on certain market segments than their larger competitors like State Farm or Progressive.

Budget-conscious 2016 Dodge Journey insurance can be bought from both online companies in addition to local insurance agencies, so get free car insurance quotes from both of them to have the best rate selection. Some insurance coverage companies do not provide the ability to get a quote online and many times these small, regional companies sell through local independent agents.

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