Lower Your 2009 Dodge Journey Insurance Cost

Want cheaper insurance rates for your Dodge Journey? There isn’t a single person who looks forward to buying insurance, in particular when the cost is too high. Because you have many online and local companies to choose from, it can be diffult for drivers to locate a lower cost insurance provider.

Get lower-cost auto insurance rates with discounts

Auto insurance companies don’t necessarily list all disounts in an easy-to-find place, so the following is a list of a few of the more well known and also the more inconspicuous discounts that may be available.

  • Cautious Driver Discounts – Drivers without accidents can save up to 40% or more on their insurance coverage quote for Journey coverage than drivers with accidents.
  • ABS Brakes – Anti-lock brake equipped vehicles are safer to drive and therefore earn up to a 10% discount.
  • Multiple Vehicles – Purchasing coverage when you have multiple cars or trucks on a single policy may reduce the rate for each vehicle.
  • Telematics Discount – People who choose to allow data collection to look at driving patterns remotely such as Allstate’s Drivewise and State Farm’s In-Drive system might get better premium rates if they exhibit good driving behavior.
  • Early Signing – A few larger companies allow discounts for buying a new policy early. This discount can save up to 10%.
  • Service Members Pay Less – Being on active duty in the military could be rewarded with lower auto insurance rates.
  • Payment Method – By paying your policy upfront rather than paying monthly you may have a lower total premium amount.
  • Safety Restraint Discount – Drivers who require all vehicle occupants to use their safety belts could save 15% off the personal injury premium cost.

Drivers should understand that some credits don’t apply to the overall cost of the policy. Most cut individual premiums such as collision or personal injury protection. Despite the fact that it seems like you could get a free auto insurance policy, companies wouldn’t make money that way. Any amount of discount will cut your overall bill.

Popular auto insurance companies and their offered discounts include:

  • Farm Bureau offers premium reductions for 55 and retired, renewal discount, multi-policy, safe driver, and youthful driver.
  • Liberty Mutual offers discounts for preferred payment discount, newly retired, new graduate, multi-car, and hybrid vehicle.
  • State Farm offers discounts including passive restraint, Drive Safe & Save, safe vehicle, good student, student away at school, and good driver.
  • Auto-Owners Insurance discounts include student away at school, company car, air bags, good student, paid in full, and group or association.
  • GEICO may offer discounts for anti-lock brakes, defensive driver, military active duty, membership and employees, five-year accident-free, and air bags.
  • SAFECO includes discounts for teen safe driver, multi-car, homeowner, bundle discounts, safe driver, and anti-lock brakes.

If you need lower rates, check with every company which discounts can lower your rates. Some discounts might not be offered on policies everywhere. If you would like to view providers that offer many of these discounts, click here.

Tailor your auto insurance coverage to you

When choosing coverage for your personal vehicles, there isn’t really a “perfect” insurance plan. Every insured’s situation is different so your insurance needs to address that. For example, these questions could help you determine whether your personal situation may require specific advice.

  • If my pet gets injured in an accident are they covered?
  • If my 2009 Dodge Journey is totaled, can I afford another vehicle?
  • What are the financial responsibility laws in my state?
  • What exactly is covered by my policy?
  • How do I buy GAP insurance?
  • What should my uninsured motorist coverage limits be in my state?

If you don’t know the answers to these questions but you think they might apply to your situation, you may need to chat with an insurance agent. If you don’t have a local agent, simply complete this short form or go to this page to view a list of companies. It’s fast, doesn’t cost anything and can help protect your family.

Auto insurance buyers beware

Drivers get pounded daily by advertisements that claim the best rates from the likes of Allstate and Progressive. All the ads say the same thing of big savings if you move your policy.

Is it even possible that every company can offer drivers better rates?

Auto insurance companies are able to cherry pick for the type of driver that earns them the highest profit. An example of a desirable insured might be a female over age 40, has a clear driving record, and drives a vehicle with a low ISO rating. A driver who fits that profile will qualify for the lowest premium rates and is almost guaranteed to save some money.

Drivers who fall outside the requirements will probably be forced to pay more expensive rates and this results in the prospect going elsewhere. The ads state “people who switch” not “all people who quote” can get the lowest rates when switching. This is how insurance companies can confidently make claims like that.

This really emphasizes why drivers must compare price quotes frequently. It is just not possible to predict the company that will have the lowest rates.

Car insurance 101

Understanding the coverages of your policy can be of help when determining the right coverages and proper limits and deductibles. The coverage terms in a policy can be confusing and reading a policy is terribly boring. Below you’ll find the normal coverages available from auto insurance companies.

Uninsured or underinsured coverage – Uninsured or Underinsured Motorist coverage provides protection when other motorists either have no liability insurance or not enough. Covered losses include medical payments for you and your occupants and also any damage incurred to your 2009 Dodge Journey.

Because many people only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family. Most of the time these coverages do not exceed the liability coverage limits.

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

Collision coverage pays for things such as hitting a parking meter, hitting a mailbox, backing into a parked car 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. Drivers also have the option to increase the deductible to get cheaper collision coverage.

Comprehensive protection – Comprehensive insurance pays for damage that is not covered by collision coverage. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers things such as a tree branch falling on your vehicle, rock chips in glass, fire damage, damage from getting keyed and falling objects. The highest amount you’ll receive from a claim is the cash value of the vehicle, so if the vehicle is not worth much consider dropping full coverage.

Auto liability – Liability insurance protects you from damage that occurs to other’s property or people that is your fault. This insurance protects YOU against claims from other people, and doesn’t cover 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 commonly see limits of 100/300/100 that means you have a limit of $100,000 per injured person, a limit of $300,000 in injury protection per accident, and property damage coverage for $100,000. Some companies may use a combined limit that pays claims from the same limit with no separate limits for injury or property damage.

Liability insurance covers claims such as funeral expenses, court costs, medical expenses and medical services. How much liability coverage do you need? That is a decision to put some thought into, but buy as much as you can afford.

Medical expense coverage – Personal Injury Protection (PIP) and medical payments coverage kick in for short-term medical expenses for things like chiropractic care, funeral costs and dental work. They are used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover both the driver and occupants as well as getting struck while a pedestrian. PIP coverage is not available in all states but can be used in place of medical payments coverage

Shop. Compare. Save.

Cost effective 2009 Dodge Journey insurance can be bought on the web as well as from insurance agents, so you need to quote insurance coverage with both to get a complete price analysis. There are still a few companies who do not offer online quoting and most of the time these small insurance companies work with independent agents.

We covered a lot of information how to get a better price on 2009 Dodge Journey insurance. The key thing to remember is the more times you quote, the more likely it is that you will get a better rate. Drivers may discover the lowest prices are with the smaller companies. These smaller insurers often have lower rates on specific markets than the large multi-state companies such as Allstate, GEICO and Progressive.

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