View 2013 Dodge Journey Insurance Cost

Trying to find better insurance rates for your Dodge Journey? Overpriced insurance can take a big chunk out of your bank account and force you to make tough financial choices. Many insurers compete for your business, and it can be difficult to compare rates to find the absolute best price available.

It’s a good idea to quote other rates before your next renewal because insurance prices trend upward over time. Even if you got the best deal on Journey insurance a couple years back you may be paying too much now. Block out anything you think you know about insurance because you’re going to get a crash course in the things you must know in order to find lower rates on insurance.

If you have a policy now or need a new policy, you can learn to reduce the price you pay and possibly find even better coverage. Finding affordable coverage is not that difficult. Drivers only need to know the proper methods to compare prices over the internet.

Find hidden discounts to get affordable insurance coverage rates

The cost of insuring your cars can be expensive, but there could be available discounts that many consumers don’t even know exist. Some discounts will apply when you get a quote, but occassionally some discounts must be inquired about before being credited. If you aren’t receiving every discount you deserve, you are not getting the best rate possible.

  • Discount for Low Mileage – Driving less can qualify you for substantially lower premium rates.
  • Student Discount for Driver Training – It’s a good idea to have your young drivers complete a driver education course as it can save substantially.
  • Include Life Insurance and Save – Not all insurance carriers offer life insurance, but some may give you a discounted price on car insurance if you buy some life insurance in addition to your auto policy.
  • Early Signing – Some insurance coverage companies provide a discount for switching to them prior to the expiration date on your current policy. You could save around 10% when you buy insurance coverage online.
  • E-sign – Some of the larger companies will give you a small discount for buying your policy on their website.
  • Multi-Vehicle Discounts – Having multiple vehicles with the same company may reduce the rate for each vehicle.
  • Passenger Safety Discount – Vehicles with factory air bags and/or automatic seat belt systems may qualify for discounts of more than 20%.
  • Discount for New Cars – Buying insurance on a new vehicle can save you some money because new vehicles are generally safer.
  • First Accident Forgiveness – Not a discount per se, but some companies like Progressive, State Farm and GEICO will forgive one accident before hitting you with a surcharge if you have no claims prior to being involved in the accident.
  • Senior Citizen Rates – Drivers that qualify as senior citizens can possibly qualify for a small decrease in premiums on Journey insurance.

Discounts reduce rates, but you should keep in mind that most credits do not apply the the whole policy. Some only reduce the price of certain insurance coverages like liability, collision or medical payments. If you do the math and it seems like it’s possible to get free car insurance, insurance companies wouldn’t stay in business.

To view companies who offer online insurance coverage quotes, follow this link.

Car insurance quotes comparison

There are multiple methods to shop for car insurance, but some are more efficient than others. You can waste a lot of time talking to agents in your area, or you can stay home and use the internet to accomplish the same thing much quicker.

Many popular insurance companies are enrolled in a marketplace that allows shoppers to enter their policy data once, and at least one company can provide price quotes based on that data. This prevents consumers from doing form submissions to each individual car insurance company.

To submit your quote information now, click to open in new window.

The one disadvantage to pricing coverage this way is you don’t know exactly the insurers to receive prices from. If you would rather choose from a list of companies to compare prices, we have a page of companies who write car insurance in your area. Click here to view list.

It’s up to you which method you use, but do your best to use the exact same quote information for every company. If you have different liability limits then you won’t be able to find the best deal for your Dodge Journey.

Why your insurance rates might be higher

When buying car insurance it’s important to understand the different types of things that come into play when calculating your premiums. If you understand what positively or negatively impacts your premiums, this allows you to make good choices that could help you find big savings.

The list below includes just a few of the factors used by insurance companies to determine prices.

  • Liability coverage claims can be big – A critical coverage on your policy, liability insurance will protect you when a court rules you are at fault for damages from an accident. This coverage provides for a legal defense to attempt to prove you were not liable. Carrying liability coverage is mandatory and cheap as compared to coverage for physical damage, so drivers should buy more than the minimum limits required by law.
  • Annual mileage impacts prices – The more you drive annually the more you will pay for car insurance. Most companies charge rates determined by how the vehicle is used. Autos left parked in the garage can get a lower rate than those that get driven frequently. A policy that improperly rates your Journey may be costing you. It’s a smart idea to ensure your policy is showing the correct usage for each vehicle, because improper ratings can cost you money.
  • Safety first – Vehicles that have high safety ratings tend to be cheaper to insure. Safe vehicles reduce the chance of injuries and lower rates of occupant injuries translates into fewer and smaller insurance claims and thus lower rates.
  • Prices may be higher where you live – Being located in less populated areas has it’s advantages if you are looking for the lowest rates. City drivers regularly have much more traffic and longer commute times. Less people living in that area translates into fewer accidents as well as less vandalism and auto theft.

Tailor your insurance coverage coverage to you

When choosing the best insurance coverage coverage, there is no one size fits all plan. Everyone’s situation is unique so your insurance needs to address that. For instance, these questions can help discover if you will benefit from professional help.

  • I have a DUI can I still get coverage?
  • Is a new car covered when I drive it off the dealer lot?
  • Is my camper covered by my car insurance policy?
  • Can I afford to buy a different vehicle if my 2013 Dodge Journey is totaled?
  • Are all vehicle passengers covered by medical payments coverage?
  • Do I need special endorsements for business use of my vehicle?
  • Is my vehicle covered by my employer’s policy when using it for work?
  • Do I have any recourse if my insurance company denies a claim?
  • Do I need an umbrella policy?
  • Can my babysitter drive my car?

If it’s difficult to answer those questions but you think they might apply to your situation, you may need to chat with a licensed agent. If you don’t have a local agent, 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.

Specifics of your insurance policy

Knowing the specifics of your policy aids in choosing which coverages you need for your vehicles. The coverage terms in a policy can be impossible to understand and even agents have difficulty translating policy wording. Below you’ll find typical coverage types available from insurance companies.

Liability auto insurance

This coverage provides protection from damage or injury you incur to a person or their property that is your fault. This coverage protects you from claims by other people, and does not provide coverage for damage sustained by your vehicle in an accident.

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. You commonly see liability limits of 25/50/25 that translate to $25,000 bodily injury coverage, a limit of $50,000 in injury protection per accident, and property damage coverage for $25,000.

Liability insurance covers things such as funeral expenses, repair bills for other people’s vehicles and attorney fees. How much liability coverage do you need? That is a decision to put some thought into, but buy as much as you can afford.

Uninsured or underinsured coverage

Your UM/UIM coverage protects you and your vehicle from other motorists when they do not carry enough liability coverage. This coverage pays for medical payments for you and your occupants and also any damage incurred to your Dodge Journey.

Due to the fact that many drivers carry very low liability coverage limits, their limits can quickly be used up. This is the reason having UM/UIM coverage is a good idea.

Comprehensive protection

This pays for damage from a wide range of events other than collision. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against things such as hitting a deer, damage from flooding, damage from getting keyed and vandalism. The highest amount your insurance company will pay is the market value of your vehicle, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Medical expense coverage

Personal Injury Protection (PIP) and medical payments coverage pay for immediate expenses for things like hospital visits, surgery, EMT expenses and nursing services. They are used to fill the gap from your health insurance plan or if you do not have health coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants as well as if you are hit as a while walking down the street. PIP is not available in all states and gives slightly broader coverage than med pay

Coverage for collisions

Collision coverage will pay to fix damage to your Journey from colliding with an object or car. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers things such as rolling your car, sustaining damage from a pot hole, hitting a mailbox, backing into a parked car and sideswiping another vehicle. Collision is rather expensive coverage, so consider dropping it from older vehicles. It’s also possible to bump up the deductible to get cheaper collision coverage.

Affordable insurance is out there

We just showed you many ideas to reduce 2013 Dodge Journey insurance premium rates online. The key thing to remember is the more rate comparisons you have, the better your comparison will be. Consumers could even find that the best premium rates are with the smaller companies. Regional companies may only write in your state and offer lower prices than their larger competitors like Allstate or State Farm.

When buying insurance coverage, you should never sacrifice coverage to reduce premiums. There have been many cases where an insured cut physical damage coverage and found out when filing a claim that a couple dollars of savings turned into a financial nightmare. Your objective should be to buy the best coverage you can find for the lowest cost.

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