2016 Dodge Journey Insurance Quotes

Finding the cheapest insurance for a Dodge Journey can normally be difficult, but you can use the following methods to find lower rates.

There is a better way to shop for insurance and we’ll show you the quickest way to price shop coverage on a Dodge and obtain the lowest possible price from local insurance agents and online providers.

First Step: Get free auto insurance quotes

Getting low cost 2016 Dodge Journey auto insurance pricing is surprisingly easy. The only thing you need to do is invest a little time comparing rate quotes from some recommended companies. You can get a good selection of rate quotes in several different ways.

  1. The single most time-saving way to find the lowest comparison rates would be an industry-wide quote request form click here to open form in new window. This style of form prevents you from having to do separate quotation requests to each individual auto insurance company. Completing one form compares rates instantly. It’s the fastest way to compare.
  2. A harder way to compare rate quotes requires you to visit each individual company website to complete a price quote. For sake of this example, we’ll pretend you need rates from Farmers, GEICO and Liberty Mutual. You would have to take the time to go to each site to input your insurance information, which can take a lot of time. For a list of links to companies insuring cars in your area, click here.

You can use whichever method you prefer to find lower rates, just do your best to enter equivalent coverage limits on every quote you get. If you compare different liability limits you will not be able to determine which rate is truly the best.

Save money with these discounts

Car insurance companies do not list every available discount very well, so the following is a list of both well-publicized and also the more inconspicuous savings tricks you should be using when you buy insurance coverage online.

  • Active Military Service – Having an actively deployed family member could be rewarded with lower auto insurance rates.
  • Onboard Data Collection – Policyholders that allow their auto insurance company to look at driving patterns by using a telematics device such as Progressive’s Snapshot may get a rate reduction if they show good driving skills.
  • Use Seat Belts – Using a seat belt and requiring all passengers to fasten their seat belts can save up to 15% on the premium charged for medical payments and/or PIP.
  • Passive Restraints – Factory air bags and/or automatic seat belt systems can qualify for discounts of more than 20%.
  • Theft Deterent Discount – Cars that have factory anti-theft systems are stolen less frequently and earn discounts up to 10% off your insurance coverage quote.
  • Student Discounts – Getting good grades may save you up to 25%. The good student discount can last up until you turn 25.
  • Own a Home – Owning a house can help you save on auto insurance because of the fact that having a home shows financial diligence.
  • Discounts for Federal Employees – Having worked for a branch of the government can earn a discount up to 10% for Journey insurance depending on your auto insurance provider.
  • Savings for New Vehicles – Insuring a vehicle that is new can get you a discount because new vehicles have to meet stringent safety requirements.

Keep in mind that most credits do not apply to the entire policy premium. Most only cut the cost of specific coverages such as physical damage coverage or medical payments. Just because you may think you can get free auto insurance, you’re out of luck.

Some of the larger companies that may offer quotes with most of the discounts above may include but are not limited to:

When comparing rates, check with every company how you can save money. All car insurance discounts may not apply in your state.

Auto insurance can be complex

When it comes to buying adequate coverage for your vehicles, there really is no perfect coverage plan. Your needs are not the same as everyone else’s.

These are some specific questions may help highlight if your situation would benefit from professional advice.

  • Am I covered if I hit my neighbor’s mailbox?
  • Does coverage extend to a rental car in a foreign country?
  • What exactly is covered by my policy?
  • Should I carry comprehensive and collision coverage?
  • What vehicles should carry emergency assistance coverage?
  • Should I buy only the required minimum liability coverage?
  • Do I have coverage if my license is suspended?
  • When would I need additional glass coverage?

If you’re not sure about those questions but one or more may apply to you, you may need to chat with a licensed agent. If you don’t have a local agent, fill out this quick form. It’s fast, doesn’t cost anything and may give you better protection.

Five factors that influence insurance premiums

Consumers need to have an understanding of the factors that play a part in calculating the level of your policy premiums. If you have some idea of what impacts premium levels, this enables informed choices that could result in better insurance coverage rates. Multiple criteria are used in the calculation when you get a price on insurance. Some of the criteria are obvious like a motor vehicle report, although others are not as apparent like your continuous coverage or your commute time.

  • Lower rates for married couples – Being married helps lower the price on your insurance coverage bill. Having a significant other generally demonstrates drivers are more mature and statistics prove married drivers tend to have fewer serious accidents.
  • Small frequent policy claims are not good – Car insurance companies provide the best rates to drivers who are not frequent claim filers. If you are a frequent claim filer, you can pretty much guarantee higher rates. Your insurance policy is designed for the large, substantial claims.
  • What are your comp and collision deductibles? – Insurance for physical damage to your car, also called comprehensive and collision insurance, covers damage that occurs to your Dodge. A few examples of covered claims would be a broken windshield, vandalism, and burglary. The deductibles are the amount of money you are required to spend out-of-pocket if the claim is covered. The more you’re willing to pay, the lower your rates will be for Journey insurance.
  • Extra coverages you don’t need – There are many extra bells and whistles that you can get tricked into buying if you aren’t careful. Coverages for replacement cost coverage, accidental death, and Farm Bureau memberships are probably not needed. They may sound like good ideas initially, but your money might be better spent on other coverage so remove them and pocket the money.
  • Lower rates with alarm systems – Purchasing a vehicle with anti-theft technology or alarm system can earn a premium discount. Advanced theft deterrents like LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system help track and prevent your vehicle from being stolen.

Car insurance coverages explained

Learning about specific coverages of a car insurance policy helps when choosing appropriate coverage and proper limits and deductibles. The coverage terms in a policy can be impossible to understand and coverage can change by endorsement.

Collision – This coverage pays for damage to your Journey from colliding with another vehicle or an object, but not an animal. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for things such as hitting a mailbox, crashing into a building, rolling your car, sustaining damage from a pot hole and damaging your car on a curb. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are older. You can also raise the deductible to get cheaper collision coverage.

Protection from uninsured/underinsured drivers – This coverage protects you and your vehicle from other motorists when they either have no liability insurance or not enough. Covered losses include hospital bills for your injuries as well as your vehicle’s damage.

Since many drivers carry very low liability coverage limits, their limits can quickly be used up. This is the reason having UM/UIM coverage is very important. Frequently your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.

Comprehensive (Other than Collision) – Comprehensive insurance coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against claims like hail damage, rock chips in glass and fire damage. The most you can receive from a comprehensive claim is the cash value of the vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Medical expense insurance – Med pay and PIP coverage pay for short-term medical expenses such as prosthetic devices, funeral costs, dental work, doctor visits and EMT expenses. The coverages can be used in conjunction with a health insurance plan or if you lack health insurance entirely. They cover you and your occupants and also covers getting struck while a pedestrian. PIP coverage is not available in all states but can be used in place of medical payments coverage

Liability car insurance – This provides protection from damage or injury you incur to a person or their property that is your fault. It protects you from legal claims by others. Liability doesn’t cover your injuries or vehicle damage.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see limits of 25/50/25 that translate to $25,000 bodily injury coverage, a total of $50,000 of bodily injury coverage per accident, and a limit of $25,000 paid for damaged property. Another option is one limit called combined single limit (CSL) that pays claims from the same limit with no separate limits for injury or property damage.

Liability coverage protects against claims like medical expenses, repair bills for other people’s vehicles and legal defense fees. The amount of liability coverage you purchase is up to you, but consider buying as much as you can afford.

Make an honest buck

In this article, we presented quite a bit of information on how to shop for 2016 Dodge Journey insurance online. The most important thing to understand is the more providers you compare, the higher the chance of saving money. Consumers could even find that the lowest premium rates come from some of the lesser-known companies.

Consumers change insurance companies for any number of reasons including high rates after DUI convictions, unfair underwriting practices, policy cancellation or even questionable increases in premium. Whatever your reason, switching insurance coverage companies can be less work than you think.

When you buy insurance coverage online, do not reduce coverage to reduce premium. In many instances, consumers will sacrifice uninsured motorist or liability limits and found out when filing a claim they didn’t have enough coverage. The ultimate goal is to buy enough coverage at the best possible price but still have enough coverage for asset protection.

More tips and info about insurance coverage can be read at these sites: