2012 Dodge Journey Insurance Quotes – 7 Ways to Save

Drivers have many options when trying to find the lowest priced Dodge Journey insurance. You can either waste hours contacting agents to compare prices or utilize the internet to get rate quotes. There are more efficient ways to buy auto insurance and you need to know the quickest way to price shop coverage for a Dodge and obtain the cheapest rates from both online companies and local agents.

If you have a policy now or need a new policy, you can use these techniques to find the best rates and possibly find even better coverage. This information will help you learn the most effective way to quote insurance and some tips to save money. Vehicle owners only need to know the proper methods to shop for insurance on the web.

How to find cheap insurance

There are multiple methods to compare insurance quotes, but some are more efficient than others. You can waste hours driving to agents in your area, or you can stay home and use the internet to quickly compare rates.

Most major companies take part in a program that allows shoppers to enter their coverage request one time, and every company can give them a price. This prevents consumers from doing quotation requests to each company. To find out how much you can save on insurance click to open in new window.

One minor caviat to pricing coverage this way is you are unable to specify which companies to get quotes from. So if you want to choose specific providers to receive pricing from, we have a page of low cost insurance companies in your area. View list of insurance companies.

Compare rates however you want, just do your best to use exactly the same quote information on every quote you get. If you compare different data it will be very difficult to determine which rate is truly the best.

Are you qualifying for every discount?

Car insurance companies do not list every possible discount in a way that’s easy to find, so the following list contains a few of the more common as well as some of the hidden discounts you could be receiving when you buy insurance coverage online.

• Responsible Drivers – Drivers who avoid accidents can save as much as half off their rates for Journey coverage than their less cautious counterparts.
• Accident Free – Claim-free drivers are rewarded with significantly better rates on insurance coverage quote compared to frequent claim filers.
• Distant Student – Children living away from home attending college and do not have a car could get you a discount.
• Waiver for an Accident – Not really a discount, but companies like GEICO and Liberty Mutual may permit one accident without getting socked with a rate hike if you have no claims before the accident.
• Online Discount – Some larger companies may give you up to $50 just for signing your application on your computer.
• Onboard Data Collection – Insureds who allow companies to scrutinize where and when they drive by using a telematics device like Drivewise from Allstate or In-Drive from State Farm may get a rate reduction as long as the data is positive.
• Federal Employees – Active or former government employment can earn a discount up to 10% for Journey coverage with a few insurance companies.

You can save money using discounts, but most of the big mark downs will not be given to the overall cost of the policy. Most only reduce the cost of specific coverages such as comprehensive or collision. So despite the fact that it appears adding up those discounts means a free policy, insurance companies aren’t that generous.

A list of insurance companies and a summarized list of policyholder discounts are shown below.

• Travelers offers discounts including payment discounts, multi-car, good student, home ownership, and multi-policy.
• 21st Century may have discounts that include automatic seat belts, teen driver, student driver, 55 and older, and theft prevention.
• State Farm offers premium reductions for driver’s education, anti-theft, passive restraint, multiple policy, good student, and good driver.
• GEICO offers discounts for defensive driver, emergency military deployment, anti-theft, seat belt use, driver training, and multi-vehicle.
• SAFECO may offer discounts for homeowner, safe driver, teen safety rewards, multi-car, and bundle discounts.
• AAA includes discounts for pay-in-full, AAA membership discount, education and occupation, good driver, multi-car, multi-policy, and anti-theft.

When quoting, ask each insurance company which discounts they offer. All car insurance discounts might not be offered in your state. To see insurance companies who offer insurance discounts, click here.

When in doubt talk to an agent

When buying the best car insurance coverage for your personal vehicles, there isn’t really a cookie cutter policy. Your needs are not the same as everyone else’s.

For example, these questions can aid in determining if your insurance needs could use an agent’s help.

• Is extra glass coverage worth it?
• Does my 2012 Dodge Journey need full coverage?
• What should my uninsured motorist coverage limits be in my state?
• What if I owe more than I can insure my car for?
• Can my babysitter drive my car?
• Will my vehicle be repaired with OEM or aftermarket parts?
• Does my insurance cover my expensive audio equipment?
• Do I need replacement cost coverage on my 2012 Dodge Journey?
• Am I covered when pulling a rental trailer?
• How high should my medical payments coverage be?

If it’s difficult to answer those questions then you might want to talk to a licensed insurance agent. To find lower rates from a local agent, take a second and complete this form. It’s fast, doesn’t cost anything and may give you better protection.

Auto insurance 101

Having a good grasp of your insurance policy aids in choosing the right coverages and the correct deductibles and limits. The terms used in a policy can be confusing and nobody wants to actually read their policy.

Collision coverage – This pays to fix your vehicle from damage resulting from a collision with an object or car. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for claims such as colliding with a tree, scraping a guard rail and sustaining damage from a pot hole. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are older. You can also bump up the deductible in order to get cheaper collision rates.

Uninsured Motorist or Underinsured Motorist insurance – Uninsured or Underinsured Motorist coverage gives you protection when the “other guys” either have no liability insurance or not enough. It can pay for hospital bills for your injuries and also any damage incurred to your Dodge Journey.

Since many drivers have only the minimum liability required by law, their limits can quickly be used up. This is the reason having UM/UIM coverage is important protection for you and your family.

Insurance for medical payments – Coverage for medical payments and/or PIP pay for bills like ambulance fees, X-ray expenses, prosthetic devices and rehabilitation expenses. They are often utilized in addition to your health insurance policy or if you are not covered by health insurance. Coverage applies to all vehicle occupants and also covers getting struck while a pedestrian. PIP is not an option in every state and may carry a deductible

Comprehensive coverage (or Other than Collision) – Comprehensive insurance coverage pays to fix your vehicle from damage from a wide range of events other than collision. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against claims like a tree branch falling on your vehicle, damage from flooding, hitting a bird and hitting a deer. The highest amount you can receive from a comprehensive claim is the ACV or actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Auto liability insurance – This protects you from damage or injury you incur to other’s property or people by causing an accident. It protects YOU against claims from other people, and does not provide coverage for damage to your own property or vehicle.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show limits of 25/50/25 that translate to $25,000 in coverage for each person’s injuries, $50,000 for the entire accident, and property damage coverage for $25,000.

Liability coverage pays for claims like pain and suffering, repair costs for stationary objects and legal defense fees. How much liability coverage do you need? That is your choice, but consider buying as much as you can afford.