2018 Dodge Journey Insurance Quotes – 6 Ways to Save

Searching for cheaper insurance coverage rates for your Dodge Journey? Using the web to shop for insurance quotes online probably sounds like a formidable task if you are a beginner to online quotes. But relax because finding affordable coverage online is easier than you think.

Finding auto insurance

There are multiple methods you can shop for auto insurance but some are easier and takes less work. You can spend your afternoon driving to local insurance agents in your area, or you could use the internet to get rates in a matter of minutes.

Many of the larger companies are enrolled in a marketplace where prospective buyers enter their policy data once, and every company can provide price quotes based on that information. This saves time by eliminating repetitive form submissions to each individual auto insurance company. To find out how much you can save on auto insurance click here (opens in new window).

One minor caviat to getting quotes like this is you cannot specify the providers to receive prices from. If you would rather choose specific insurance companies to compare rates, we have a page of companies who write auto insurance in your area. View list of insurance companies.

It’s your choice how you get your quotes, but be sure you’re using nearly identical deductibles and coverage limits with each company. If the quotes have unequal deductibles or liability limits you will not be able to truly determine the lowest rate. Just a small difference in insurance coverages or limits can result in a big premium difference. And when quoting auto insurance, remember that more quotes increases your odds of finding the best price.

More discounts mean lower-cost premiums

Companies don’t list all their discounts very well, so the list below details a few of the more common as well as the least known discounts you could be receiving when you buy insurance online. If you aren’t receiving every discount available, you could be saving more on your car insurance.

  • New Car Discount – Buying a new car model can get you a discount since new vehicles have better safety ratings.
  • Telematics Discount – Insureds who allow their company to spy on their driving habits by using a telematics device such as In-Drive from State Farm or Allstate’s Drivewise system could save a few bucks as long as the data is positive.
  • Accident-Free Discounts – Good drivers with no accidents are rewarded with significantly better rates on insurance quote as compared to drivers who are more careless.
  • Low Mileage – Keeping the miles down on your Dodge may enable drivers to earn slightly better prices than normal.
  • Life Insurance Discount – Insurance companies who offer life insurance give a break if you buy some life insurance too.
  • One Accident Forgiven – This one isn’t a discount, but a handful of insurance companies may permit one accident without getting socked with a rate hike if you are claim-free for a certain period of time.

As a sidenote, many deductions do not apply to the entire cost. The majority will only reduce the cost of specific coverages such as liability and collision coverage. So even though you would think all the discounts add up to a free policy, it doesn’t quite work that way.

Some of the larger companies who might offer these discounts include:

Check with all companies you are considering to apply every possible discount. Discounts may not apply to policyholders in your area.

It’s not one size fits all

When it comes to buying the best insurance coverage coverage for your vehicles, there isn’t really a single plan that fits everyone. Coverage needs to be tailored to your specific needs.

These are some specific questions may help you determine whether you would benefit from professional advice.

  • Is my vehicle covered by my employer’s policy when using it for work?
  • Is my camper covered by my car insurance policy?
  • Exactly who is provided coverage by my policy?
  • Is my trailer covered?
  • Does medical payments coverage apply to all occupants?
  • Am I insured when driving a different vehicle?
  • Will my insurance pay for OEM parts?
  • How can I force my company to pay a claim?
  • Am I covered by my spouse’s policy after a separation?
  • How do I insure my teen driver?

If it’s difficult to answer those questions but a few of them apply, you may need to chat with a licensed agent. To find an agent in your area, simply complete this short form.

Car insurance coverages for a Dodge Journey

Knowing the specifics of your policy helps when choosing which coverages you need at the best deductibles and correct limits. Policy terminology can be confusing and coverage can change by endorsement.

Coverage for medical expenses – Personal Injury Protection (PIP) and medical payments coverage pay for immediate expenses for things like X-ray expenses, doctor visits, rehabilitation expenses and prosthetic devices. They are often used in conjunction with a health insurance policy or if you are not covered by health insurance. It covers both the driver and occupants in addition to being hit by a car walking across the street. Personal Injury Protection is not an option in every state and may carry a deductible

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

Collision coverage protects against things such as scraping a guard rail, crashing into a building, driving through your garage door, colliding with a tree and colliding with another moving vehicle. Paying for collision coverage can be pricey, so consider removing coverage from lower value vehicles. Another option is to raise the deductible to bring the cost down.

Coverage for uninsured or underinsured drivers – This coverage protects you and your vehicle’s occupants from other drivers when they either are underinsured or have no liability coverage at all. This coverage pays for medical payments for you and your occupants as well as your vehicle’s damage.

Due to the fact that many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is very important.

Comprehensive insurance – Comprehensive insurance coverage pays for damage from a wide range of events other than collision. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive coverage protects against claims like damage from getting keyed, theft, hitting a bird, a broken windshield and a tree branch falling on your vehicle. The maximum amount you can receive from a comprehensive claim is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Liability insurance – Liability insurance will cover damage or injury you incur to other people or property by causing an accident. It protects YOU from legal claims by others. Liability doesn’t cover damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show policy limits of 100/300/100 which stand for a $100,000 limit per person for injuries, a per accident bodily injury limit of $300,000, and a total limit of $100,000 for damage to vehicles and property.

Liability coverage pays for things like repair bills for other people’s vehicles, structural damage and repair costs for stationary objects. How much liability should you purchase? That is up to you, but you should buy as large an amount as possible.

Spend less. Save more.

Budget-conscious 2018 Dodge Journey insurance can be sourced online and from local agencies, so you should be comparing quotes from both to get a complete price analysis. A few companies may not offer the ability to get a quote online and many times these smaller providers work with independent insurance agencies.

You just read quite a bit of information on how to compare 2018 Dodge Journey insurance prices online. The most important thing to understand is the more times you quote, the higher your chance of finding affordable insurance. You may be surprised to find that the most savings is with the least-expected company.

As you shop your coverage around, never skimp on coverage in order to save money. There are too many instances where someone dropped liability coverage limits only to regret they didn’t have enough coverage. The aim is to get the best coverage possible at the best possible price, but do not skimp to save money.

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