Save on 2015 Dodge Journey Insurance Quotes

Looking for better auto insurance rates for your Dodge Journey? Paying for overpriced Dodge Journey insurance can bottom out your savings and possibly require you to analyze your spending habits.

Having so many options when it comes to auto insurance, it can be hard to choose the right auto insurance provider.

Consumers need to compare rates occasionally because insurance prices tend to go up over time. Just because you had the best deal for Journey coverage six months ago the chances are good that you can find a lower rate quote today. There is lot of inaccurate information about auto insurance on the internet, but you can learn some tested techniques to quit paying high auto insurance rates.

How much is car insurance?

Comparing car insurance rates can be a daunting task if you aren’t aware of the most efficient way to do it. You can waste a lot of time talking to local insurance agents in your area, or you can utilize online quotes to get rates in a matter of minutes.

Most of the larger companies take part in a program that allows shoppers to submit one quote, and at least one company can give them a price determined by their information. This prevents consumers from doing repetitive form submissions to every company.

To use this form to compare rates click to open in new window.

The one downside to comparing rates this way is you cannot specify which insurance companies to get pricing from. If you prefer to choose specific providers to receive pricing from, we have a listing of low cost car insurance companies in your area. View list of insurance companies.

Which method you use is up to you, but be sure to compare identical coverage limits for each price quote. If you compare different limits and deductibles on each one it will be impossible to make a fair comparison for your Dodge Journey. Even a minor difference in limits could skew the results. And when comparison shopping, comparing more company’s prices provides better odds of finding a better price. Not every company provides prices over the internet, so it’s recommended that you also compare quotes from them as well.

These discounts can lower your insurance coverage quotes

Insurance coverage is easily one of your largest bills, but you may be missing some discounts that could drop your premiums quite a bit. Some of these disounts will be visible at the time of purchase, but a few must be inquired about before you get the savings. If you don’t get every credit you qualify for, you could be saving more on your insurance coverage.

  • Online Discount – Certain companies give back up to $50 get insurance on your computer.
  • Responsible Driver Discount – Drivers who don’t get into accidents may receive a discount up to 45% for Journey coverage than drivers with accident claims.
  • Telematics Devices – Drivers who agree to allow their company to analyze driving habits by using a telematic data system like In-Drive from State Farm and Progressive’s Snapshot may get a rate reduction if they are good drivers.
  • Service Members Pay Less – Having an actively deployed family member could be rewarded with lower insurance coverage rates.
  • Safety Course Discount – Participating in a course in defensive driver can save you 5% or more and make you a better driver.
  • Auto/Home Discount – When you have multiple policies and place coverage with the same company you may save at least 10 to 15 percent or more.
  • More Vehicles More Savings – Having several vehicles on a single policy could earn a price break for each car.

Don’t be surprised that most credits do not apply to the entire policy premium. Some only reduce specific coverage prices like collision or personal injury protection. So when the math indicates you can get free auto insurance, company stockholders wouldn’t be very happy. But any discount should help lower your policy cost.

Larger insurance coverage companies and a selection of discounts include:

  • State Farm may have discounts that include student away at school, Drive Safe & Save, accident-free, passive restraint, driver’s education, and anti-theft.
  • GEICO offers discounts including military active duty, anti-lock brakes, seat belt use, multi-vehicle, federal employee, and five-year accident-free.
  • Liberty Mutual discounts include teen driver discount, exclusive group savings, new graduate, newly retired, good student, and multi-policy.
  • The Hartford has discounts for good student, vehicle fuel type, air bag, bundle, anti-theft, defensive driver, and driver training.
  • MetLife offers premium reductions for good student, claim-free, good driver, multi-policy, accident-free, defensive driver
  • Progressive offers discounts for homeowner, continuous coverage, good student, online quote discount, online signing, and multi-vehicle.

When getting free insurance quotes, it’s a good idea to every prospective company how many discounts you can get. Savings might not be available to policyholders in your area. To locate insurers that offer multiple discounts, click this link.

Get cheaper insurance premiums by understanding these factors

The best way to find cheaper insurance coverage is to take a look at the different types of things that go into determining your insurance coverage rates. If you understand what impacts premium levels, this empowers consumers to make smart changes that could result in lower rates.

The itemized list below are most of the major factors insurance coverage companies consider when setting your premiums.

  • Five star crash test rating saves money – Safe vehicles tend to have better insurance rates. Vehicles engineered for safety result in less severe injuries and fewer injuries translates into fewer and smaller insurance claims which can mean better rates for you. If your Dodge earned at least an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website you may be receiving a better rate.
  • Costs impacted by your city – Living in smaller towns and rural areas of the country may provide you with better prices when insuring your vehicles. People in densly populated areas have to deal with more aggressive driving styles and more severe claims. Less people living in that area means fewer accidents and a lower car theft rate.
  • Optional features that cut insurance coverage rates – Buying a car that has an advanced theft prevention system can save you some money. Theft deterrent systems such as OnStar found on GM vehicles, advanced tracking like LoJack, and vehicle immobilization systems all help stop auto theft and help lower rates.
  • Which gender costs less? – Statistics have proven females are less aggressive when driving. However, this does not mean women are better drivers. Males and females have at-fault accidents at about the same rate, but the males cause more damage. They also get cited for more serious violations like driving under the influence (DUI). Male drivers age 16 to 19 are several times more likely to be in an accident and therefore are the most expensive to insure.
  • Stay claim-free and save money – Companies provide lower rates to policyholders who are not frequent claim filers. If you file a lot of claims you can definitely plan on higher rates. Auto insurance is intended to be relied upon for the bigger claims that can’t be paid out-of-pocket.
  • Your vocation can affect rates – Did you know your insurance coverage rates can be affected by your occupation? Jobs like real estate brokers, architects and medical professionals have higher premiums than the average policyholder attributed to high stress and lengthy work days. On the flip side, occupations like farmers, students and homemakers have the lowest average rates for Journey coverage.
  • Older drivers pay less – Beginning drivers have a tendency to be less responsible when driving with friends so insurance coverage rates are higher. Older insureds are more cautious drivers, cause fewer claims and accidents .

Different people need different insurance coverage coverages

When it comes to buying the right insurance coverage for your personal vehicles, there is no perfect coverage plan. Every situation is different so this has to be addressed. For example, these questions could help you determine if your insurance needs will benefit from professional help.

  • Does my liability insurance cover pulling a trailer or camper?
  • What is the difference between comprehensive and collision coverage?
  • Do I need special endorsements for business use of my vehicle?
  • Can I still get insurance after a DUI?
  • Are rock chip repairs covered?
  • When do I need to add a new car to my policy?
  • How can I get my company to pay me more for my totalled car?
  • I have health insurance so do I need medical payments coverage?

If you don’t know the answers to these questions but you think they might apply to your situation then you might want to talk to a licensed agent. If you want to speak to an agent in your area, take a second and complete this form or you can also visit this page to select a carrier

Insurance coverage options for a Dodge Journey

Having a good grasp of your policy can be of help when determining the best coverages at the best deductibles and correct limits. Insurance terms can be confusing and even agents have difficulty translating policy wording. These are typical coverages found on most insurance policies.

Coverage for medical expenses

Personal Injury Protection (PIP) and medical payments coverage kick in for immediate expenses such as hospital visits, dental work, pain medications, rehabilitation expenses and surgery. They are utilized in addition to your health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover not only the driver but also the vehicle occupants and will also cover any family member struck as a pedestrian. PIP coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage

Coverage for collisions

Collision coverage covers damage to your Journey resulting from colliding with a stationary object or other vehicle. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for claims like colliding with another moving vehicle, sideswiping another vehicle and sustaining damage from a pot hole. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Drivers also have the option to choose a higher deductible to get cheaper collision coverage.

Comprehensive insurance

Comprehensive insurance coverage pays for damage OTHER than collision with another vehicle or object. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive coverage pays for things such as rock chips in glass, damage from a tornado or hurricane and fire damage. The maximum amount a insurance company will pay at claim time is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Coverage for uninsured or underinsured drivers

This protects you and your vehicle when the “other guys” are uninsured or don’t have enough coverage. Covered losses include injuries to you and your family as well as your vehicle’s damage.

Since a lot of 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 a good idea. Most of the time your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.

Auto liability insurance

This coverage protects you from damage that occurs to other people or property by causing an accident. This insurance protects YOU from legal claims by others, and doesn’t cover your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have liability limits of 50/100/50 which means a limit of $50,000 per injured person, $100,000 for the entire accident, and a total limit of $50,000 for damage to vehicles and property. Some companies may use one number which is a combined single limit which combines the three limits into one amount without having the split limit caps.

Liability coverage protects against claims like medical expenses, repair bills for other people’s vehicles and court costs. How much liability should you purchase? That is a decision to put some thought into, but buy as large an amount as possible.

Summing up your auto insurance search

In this article, we presented a lot of techniques to get a better price on 2015 Dodge Journey insurance. It’s most important to understand that the more rate quotes you have, the more likely it is that you will get a better rate. You may even find the lowest prices are with the least-expected company. These smaller insurers can often provide lower rates in certain areas as compared to the big name companies such as Allstate and Progressive.

Budget-conscious 2015 Dodge Journey insurance can be found both online as well as from independent agents, so you need to quote insurance with both in order to have the best price selection to choose from. Some insurance companies may not have online price quotes and these small insurance companies sell through independent insurance agencies.

More detailed auto insurance information can be read by following these links: