2010 Dodge Journey Insurance Quotes – 5 Tips to Save

Want better car insurance rates for your Dodge Journey? Scraping up a payment for high-priced Dodge Journey insurance can bleed your checking account and force you to tighten up your finances. Because there are so many online and local companies to choose from, it is very difficult to pick a more affordable insurer.

Consumers need to get comparison quotes before your policy renews because prices trend upward over time. If you had the best quotes for Journey coverage six months ago there may be better deals available now. Forget all the misinformation about car insurance because it’s time to teach you the best way to reduce your cost while increasing coverage.

Buying car insurance is not that difficult. If you are paying for car insurance now, you should be able to lower your premiums substantially using these tips. Consumers only need an understanding of the best way to buy car insurance on the web.

Cheapest insurance quotes

Reducing your 2010 Dodge Journey insurance rates doesn’t have to be difficult. Consumers just need to spend a few minutes on the computer comparing price quotes to find. Shoppers can get rates using a couple different methods.

  • One of the fastest ways to get the best comparison quotes is an all-inclusive rate comparison (click to open form in new window). This type of form saves time by eliminating separate forms for each company you want a rate for. One simple form compares rates from multiple low-cost companies.
  • A slightly less efficient method to compare rate quotes requires a trip to the website for every company you want to comare and go through the quote process again. For examples sake, we’ll pretend you want to compare Auto-Owners, Farmers and American Family. To get each rate you have to spend time going to each site individually and repeatedly type in your coverage information, which can take a lot of time.

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

Whichever way you choose to compare rates, ensure you’re using equivalent coverages on every quote. If you are comparing higher or lower deductibles it will be very difficult to get a fair rate comparison.

Affordable insurance coverage rates with discounts

Not many people think insurance is cheap, but you may qualify for discounts to reduce the price significantly. Most are applied when you complete an application, but less common discounts must be manually applied before they will apply.

  • New Car Discount – Insuring a vehicle that is new can save you some money compared to insuring an older model.
  • Theft Deterent Discount – Anti-theft and alarm system equipped vehicles are less likely to be stolen and earn discounts up to 10% off your insurance quote.
  • Payment Method – By making one initial payment rather than paying in monthly installments you may have a lower total premium amount.
  • Save with More Vehicles Insured – Having several vehicles on one policy can get a discount for every vehicle.
  • E-sign – A handful of companies will discount your bill up to fifty bucks get insurance on their website.

One thing to note about discounts is that most credits do not apply the the whole policy. Most cut individual premiums such as liability, collision or medical payments. So when it seems like you could get a free insurance coverage policy, you won’t be that lucky. But all discounts should help lower your insurance coverage premiums.

Auto insurance companies that may offer quotes with these discounts include:

If you are trying to find the cheapest insurance quotes, ask each company or agent which discounts they offer. Some of the discounts discussed earlier might not be available to policyholders everywhere. To find providers that offer some of these discounts, click here to view.

Tailor your insurance coverage coverage to you

When it comes to choosing the best insurance coverage coverage for your vehicles, there really is not a best way to insure your cars. Everyone’s situation is unique so your insurance needs to address that. These are some specific questions could help you determine whether or not you could use an agent’s help.

  • Is my vehicle covered by my employer’s policy when using it for work?
  • Do I need motorclub coverage?
  • Do I need to file an SR-22 for a DUI in my state?
  • What is the rate difference between pleasure use and commuting?
  • Does my insurance cover a custom paint job?
  • Does coverage extend to a rental car in a foreign country?
  • What happens if I owe more than my 2010 Dodge Journey is worth?

If it’s difficult to answer those questions but you know they apply to you, you may need to chat with a licensed insurance agent. To find an agent in your area, take a second and complete this form or you can go here for a list of companies in your area. It’s fast, free and can provide invaluable advice.

Auto insurance coverages

Learning about specific coverages of insurance can be of help when determining which coverages you need and proper limits and deductibles. The terms used in a policy can be impossible to understand and nobody wants to actually read their policy. Shown next are typical coverage types found on the average insurance policy.

Insurance for medical payments

Coverage for medical payments and/or PIP provide coverage for immediate expenses such as chiropractic care, doctor visits, funeral costs and dental work. They are used in conjunction with a health insurance plan or if there is no health insurance coverage. They cover all vehicle occupants as well as any family member struck as a pedestrian. Personal Injury Protection is not an option in every state but it provides additional coverages not offered by medical payments coverage

Comprehensive coverage (or Other than Collision)

This pays to fix your vehicle from damage that is not covered by collision coverage. A deductible will apply then your comprehensive coverage will pay.

Comprehensive can pay for claims such as fire damage, a broken windshield and rock chips in glass. The highest amount a insurance company will pay at claim time is the market value of your vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Coverage for collisions

This coverage covers damage to your Journey resulting from a collision 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 coverage protects against claims like backing into a parked car, sustaining damage from a pot hole, hitting a parking meter, colliding with another moving vehicle and scraping a guard rail. Paying for collision coverage can be pricey, so consider dropping it from lower value vehicles. Drivers also have the option to raise the deductible to bring the cost down.

Uninsured Motorist or Underinsured Motorist insurance

Uninsured or Underinsured Motorist coverage provides protection when other motorists either are underinsured or have no liability coverage at all. Covered losses include hospital bills for your injuries as well as your vehicle’s damage.

Since many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is very important.

Liability auto insurance

Liability coverage protects you from damages or injuries you inflict on a person or their property that is your fault. This coverage protects you from legal claims by others, and doesn’t cover your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show policy limits of 50/100/50 that means you have $50,000 bodily injury coverage, $100,000 for the entire accident, and $50,000 of coverage for damaged propery.

Liability coverage pays for things such as court costs, medical services and repair costs for stationary objects. How much liability should you purchase? That is a decision to put some thought into, but you should buy as high a limit as you can afford.

Shop. Compare. Save.

In this article, we covered a lot of information how to compare 2010 Dodge Journey insurance prices online. It’s most important to understand that the more price quotes you have, the better chance you’ll have of finding cheap insurance. You may even find the lowest prices are with a company that doesn’t do a lot of advertising. Regional companies may often insure only within specific states and give getter rates compared to the large companies like State Farm or Progressive.

Lower-priced insurance is definitely available both online as well as from independent agents, and you should compare price quotes from both so you have a total pricing picture. There are still a few companies who do not offer internet price quotes and most of the time these smaller companies only sell coverage through independent agencies.

Even more information is located by following these links: