2017 Dodge Journey Car Insurance Quotes – 6 Tips for Cheapest Rates

Trying to find better insurance rates for your Dodge Journey? Overpriced insurance can stress out your checking account and force you to cut corners elsewhere. Performing a rate comparison can help to cut your insurance bill.

Insurance companies such as Allstate, Progressive and GEICO promote their brand names with ad campaigns and it is difficult to ignore the propoganda and do the work needed to find the best deal.

How to compare car insurance price quotes

Finding a lower price on 2017 Dodge Journey insurance is a great way to save money. All that’s required is to take time comparing price quotes from different insurance companies. This can be accomplished in a couple of different ways.

  1. The most efficient method consumers can make multiple comparisons is to use a rate comparison form click here to open form in new window. This style of form prevents you from having to do separate forms for every car insurance company. Completing one form will return price quotes from all major companies.
  2. A slightly less efficient method to compare prices consists of visiting the website of each company to request a price quote. For instance, we’ll pretend you are doing a rate comparison from Nationwide, 21st Century and Liberty Mutual. To do that, you would have to go to each individual site and punch in your information repeatedly, which is why most consumers use the first method.

    To view a list of companies in your area, click here.

  3. The final way to find lower rates is to spend time driving to different agent offices. The ability to buy insurance online makes this process obsolete unless you want the professional guidance of a local agent. Although, it is possible get the lowest quotes online but have a local agent actually write the policy.

The method you choose is up to you, but double check that you are using exactly the same coverages and limits for each quote you get. If you are comparing differing limits you can’t possibly get a fair rate comparison.

Can you really save if you switch?

Consumers can’t ignore all the ads that claim the best prices from the likes of Progressive, GEICO, Allstate and State Farm. They all advertise claims that drivers will save a bundle if you switch to them.

How is it plausible that every one can charge lower premium rates?

All companies give the best rates for the type of driver that earns them the highest profit. An example of a desirable insured should be a female over age 40, has a clear driving record, and drives less than 5,000 miles a year. Any driver that fits those parameters may get the lowest car insurance rates and most likely will pay quite a bit less when switching companies.

Potential insureds who don’t measure up to the ideal profile will see a higher premium and the driver buying from a lower-cost company. The trick companies use is to say “drivers that switch” but not “all drivers who get quotes” save that much when switching. This is how companies can truthfully state the savings. This emphasizes why drivers should compare rate quotes every year. It’s just not possible to know which insurance company will have the best prices.

Use discounts on insurance coverage

Companies that sell car insurance do not list all their discounts very well, so the next list breaks down both well-publicized and the more hidden discounts you could be receiving when you buy auto insurance online.

  • Memberships – Being a member of qualifying clubs or civic groups can get you a small discount on your next renewal.
  • Driver’s Education for Students – Cut your cost by having your teen driver enroll in driver’s education as it can save substantially.
  • Telematics Data Discounts – Policyholders that allow their company to look at where and when they drive through the use of a telematics system like Allstate’s Drivewise may get a rate reduction if they exhibit good driving behavior.
  • Driver Safety – Successfully completing a class that teaches driver safety techniques could earn you a small percentage discount and also improve your driving technique.
  • ABS Braking Discount – Cars that have steering control and anti-lock brakes can reduce accidents so companies give up to a 10% discount.
  • New Vehicle Savings – Insuring a vehicle that is new may earn a small discount since newer vehicles have better safety ratings.

You should keep in mind that most of the big mark downs will not be given to the overall cost of the policy. Some only apply to specific coverage prices like physical damage coverage or medical payments. So even though it sounds like you can get free auto insurance, it just doesn’t work that way.

A list of companies and some of the discounts can be found below.

  • GEICO may offer discounts for daytime running lights, defensive driver, air bags, anti-theft, multi-policy, and multi-vehicle.
  • USAA may include discounts for driver training, vehicle storage, multi-vehicle, safe driver, and annual mileage.
  • Progressive has savings for continuous coverage, good student, homeowner, multi-policy, and multi-vehicle.
  • American Family policyholders can earn discounts including Steer into Savings, good student, TimeAway discount, good driver, and mySafetyValet.
  • Esurance offers discounts for anti-theft, anti-lock brakes, Switch & Save, multi-policy, good student, multi-car, and renters.
  • Farmers Insurance offers premium reductions for youthful driver, early shopping, business and professional, switch companies, homeowner, pay in full, and bundle discounts.
  • State Farm includes discounts for anti-theft, passive restraint, multiple autos, multiple policy, defensive driving training, good driver, and good student.

Double check with each company what discounts are available to you. All car insurance discounts may not apply to policyholders in every state. To locate insurers offering insurance coverage discounts, follow this link.

Tailor your insurance coverage to you

When choosing the best insurance coverage, there isn’t really a best way to insure your cars. Every insured’s situation is different so your insurance should reflect that Here are some questions about coverages that could help you determine whether or not you could use an agent’s help.

  • Do I need added coverage for expensive stereo equipment?
  • What are the financial responsibility laws in my state?
  • Should I get collision insurance on every vehicle?
  • What is the ISO rating for a 2017 Dodge Journey?
  • Is business property covered if stolen from my car?
  • Does my insurance cover damage caused when ticketed for reckless driving?
  • Do I benefit by insuring my home with the same company?
  • Are rock chip repairs covered?

If it’s difficult to answer those questions, you might consider talking to a licensed insurance agent. If you don’t have a local agent, simply complete this short form or you can go here for a list of companies in your area. It is quick, free and you can get the answers you need.

Information about specific coverages

Knowing the specifics of your insurance policy helps when choosing appropriate coverage and proper limits and deductibles. Insurance terms can be ambiguous and nobody wants to actually read their policy. Below you’ll find typical coverages found on the average insurance policy.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This provides protection when other motorists do not carry enough liability coverage. It can pay for hospital bills for your injuries as well as damage to your Dodge Journey.

Since a lot of drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is a good idea.

Medical payments and PIP coverage

Medical payments and Personal Injury Protection insurance kick in for bills for things like doctor visits, nursing services, surgery and prosthetic devices. They can be utilized in addition to your health insurance plan or if you are not covered by health insurance. Medical payments and PIP cover both the driver and occupants and also covers any family member struck as a pedestrian. Personal injury protection coverage is not available in all states but can be used in place of medical payments coverage

Liability coverages

This coverage provides protection from injuries or damage you cause to people or other property. This insurance protects YOU against claims from other people. It does not cover damage to your own property or vehicle.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You might see liability limits of 100/300/100 that means you have a limit of $100,000 per injured person, a per accident bodily injury limit of $300,000, and a total limit of $100,000 for damage to vehicles and property.

Liability insurance covers claims like structural damage, repair bills for other people’s vehicles, funeral expenses, court costs and legal defense fees. How much liability coverage do you need? That is a decision to put some thought into, but buy higher limits if possible.

Comprehensive auto coverage

This pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive can pay for things such as fire damage, vandalism, theft and damage from a tornado or hurricane. The highest amount a insurance company will pay at claim time is the actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Collision coverage protection

This coverage covers damage to your Journey caused by collision with another car or object. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers things like hitting a mailbox, colliding with a tree, rolling your car and crashing into a building. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are older. It’s also possible to increase the deductible in order to get cheaper collision rates.

More quotes. Lower rates.

Some insurance companies may not offer rates over the internet and usually these regional carriers provide coverage only through independent insurance agencies. Lower-priced 2017 Dodge Journey insurance can be found online and from local insurance agents, and you should be comparing both to have the best rate selection.

In this article, we presented a lot of information how to reduce 2017 Dodge Journey insurance car insurance rates online. The key thing to remember is the more rate comparisons you have, the better your comparison will be. You may even find the most savings is with some of the smallest insurance companies. Smaller companies may often insure only within specific states and give getter rates as compared to the big name companies such as Progressive and GEICO.

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