Cheaper 2014 Dodge Journey Insurance Cost

Trying to find the cheapest car insurance rates for your Dodge Journey? Sick and tired of sacrificing other expenses to buy car insurance? You have the same problem as many other consumers.

Numerous insurers battle for your business, and it can be difficult to compare rates and uncover the absolute lowest rate possible.

Shop insurance online

There are multiple methods to compare insurance prices but some are easier and takes less work. You could spend your day driving to agents in your area, or you could save time and use the internet to accomplish the same thing much quicker.

Many insurance companies belong to a marketplace where prospective buyers enter their policy data once, and each participating company then returns a price quote based on the submitted data. This eliminates the need for quotation requests for each company you want a rate for.

To find out what other companies charge click here (opens in new window).

The one downside to doing it this way is you don’t know exactly which insurance companies to receive prices from. If you prefer to choose individual companies to compare, we have a page of low cost insurance companies in your area. Click here for list of insurance companies.

Take whichever approach you prefer, but make sure you compare exactly the same coverages for each price quote. If you enter higher or lower deductibles it will be nearly impossible to make a fair comparison for your Dodge Journey. Having just a slight variation in insurance coverages or limits could skew the results. And when comparison shopping, comparing more rates from different companies provides better odds of finding the best offered rates. Some companies don’t provide prices over the internet, so you need to compare rates from the smaller companies as well.

Save with these discounts

Auto insurance companies do not list the entire discount list in a way that’s easy to find, so the below list has some of the best known and the more hidden credits available to bring down your rates.

  • Senior Citizen Rates – If you’re over the age of 55, you may receive a small discount on rates on Journey insurance.
  • Military Deployment Discount – Having an actively deployed family member may qualify for rate reductions.
  • ABS and Traction Control Discounts – Cars that have anti-lock braking systems prevent accidents and earn discounts up to 10%.
  • Onboard Data Collection – People who choose to allow their car insurance company to analyze driving patterns by using a small device installed in their vehicle such as State Farm’s In-Drive could save a few bucks if they are good drivers.
  • Savings for New Vehicles – Insuring a new car may earn a small discount because newer models are generally safer.
  • E-sign – Many larger companies give back up to $50 simply for signing over the internet.
  • Multiple Cars – Buying coverage for all your vehicles on the same car insurance policy can reduce rates for all insured vehicles.
  • Theft Deterent Discount – Vehicles with anti-theft systems can help prevent theft and will save you 10% or more.
  • College Student – who are attending college without a vehicle on campus can receive lower rates.
  • Defensive Driver – Passing a safe driver course could earn you a small percentage discount depending on where you live.

Don’t be shocked that most credits do not apply to the overall cost of the policy. The majority will only reduce the cost of specific coverages such as medical payments or collision. Despite the fact that it seems like all those discounts means the company will pay you, nobody gets a free ride.

Companies who might offer these money-saving discounts possibly include:

If you are trying to find low cost insurance coverage quotes, ask every prospective company which discounts you qualify for. Depending on the company, some discounts might not be offered on policies in your area. To view insurers that provide some of the discounts listed above, follow this link.

Special considerations

When it comes to buying adequate coverage for your vehicles, there isn’t really a cookie cutter policy. Everyone’s situation is a little different and your policy should reflect that. These are some specific questions may help highlight if your situation could use an agent’s help.

  • Am I covered when delivering products for my home-based business?
  • Am I missing any policy discounts?
  • Is a fancy paint job covered?
  • How much liability insurance is required?
  • Is other people’s property covered if stolen from my vehicle?
  • What exactly is covered by my policy?
  • Can I get a multi-policy discount?
  • Is my trailer covered?
  • When would I need rental car insurance?
  • What should my uninsured motorist coverage limits be in my state?

If it’s difficult to answer those questions, you may need to chat with a licensed agent. To find an agent in your area, simply complete this short form or you can also visit this page to select a carrier

Insurance coverages explained

Knowing the specifics of your policy can help you determine the right coverages and proper limits and deductibles. Insurance terms can be confusing and reading a policy is terribly boring. Shown next are the normal coverages available from insurance companies.

Coverage for liability

This coverage provides protection from injuries or damage you cause to other people or property in an accident. This coverage protects you against other people’s claims, and doesn’t cover your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see limits of 50/100/50 which stand for a $50,000 limit per person for injuries, $100,000 for the entire accident, and $50,000 of coverage for damaged propery.

Liability coverage pays for things such as legal defense fees, medical expenses and court costs. How much coverage you buy is your choice, but consider buying higher limits if possible.

Comprehensive insurance

This coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers things like a tree branch falling on your vehicle, falling objects, a broken windshield, vandalism and rock chips in glass. The highest amount you can receive from a comprehensive claim is the actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Uninsured/Underinsured Motorist (UM/UIM)

Your UM/UIM coverage provides protection from other motorists when they either are underinsured or have no liability coverage at all. Covered losses include hospital bills for your injuries as well as damage to your Dodge Journey.

Since many drivers only purchase the least amount of liability that is required, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

Collision coverage protection

This will pay to fix damage to your Journey resulting from a collision with another car or object. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision can pay for things such as colliding with a tree, crashing into a ditch, hitting a parking meter and crashing into a building. This coverage can be expensive, so consider removing coverage from vehicles that are 8 years or older. Another option is to raise the deductible to get cheaper collision coverage.

Med pay and Personal Injury Protection (PIP)

Coverage for medical payments and/or PIP kick in for short-term medical expenses for things like X-ray expenses, ambulance fees, prosthetic devices, hospital visits and dental work. They can be used to fill the gap from your health insurance policy or if there is no health insurance coverage. It covers all vehicle occupants as well as any family member struck as a pedestrian. Personal Injury Protection is not an option in every state and gives slightly broader coverage than med pay

Be Smart and Buy Smart

When searching for affordable insurance coverage quotes, do not skimp on coverage in order to save money. In many cases, someone dropped liability coverage limits and found out when filing a claim that it was a big mistake. Your goal is to purchase plenty of coverage at the best cost, but do not skimp to save money.

Some companies may not have online rate quotes and usually these regional carriers prefer to sell through independent agents. Budget-friendly insurance coverage is available online in addition to local insurance agencies, and you need to price shop both so you have a total pricing picture.

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