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Dodge Journey Insurance Rates

Finding cheaper auto insurance through online providers can be fast and easy and there is a good chance you will probably save money. The most important part is getting rates from as many companies as possible in order to have every option.

If you are a novice to online auto insurance shopping, you can be overwhelmed by the hoards of online auto insurance companies and websites competing for your business. Finding a lower price on Journey insurance is surprisingly easy. You just have to take a little time comparing rates provided by online insurance companies. It is quite easy and can be accomplished by comparing rates here.

Insurance rates for your Dodge Journey can be significantly different depending on several factors. Some of these factors include:

  • A clean driving record keeps rates low
  • Better credit means lower rates
  • The size of your community
  • High miles vs. low miles
  • Your gender can raise or lower rates
  • Deductible amount directly impacts your rate
  • Safety rating of your Journey
  • No claims lowers premiums
  • No coverage lapses saves money
  • Whether you own your home

One last important factor which can affect the rate you pay on your Dodge is the year of manufacture. Newer models have a higher actual cash value so the cost to replace them may end up costing you more. Conversely, newer models may have options such as a backup camera, autonomous braking, active head restraints, and all-wheel drive that may help lower rates.

To get a better idea how rates are influenced for your specific model year, select the year of your vehicle below.

Liability auto insurance

This coverage protects you from damage that occurs to other's property or people that is your fault. Liability coverage protects against things like legal defense fees, bail bonds, and repair bills for other people's vehicles. Coverage is generally pretty cheap so purchase as large an amount as possible.

Collision coverage

This pays for damage to your Dodge resulting from colliding with another car or object. You first must pay a deductible then your collision coverage will kick in. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are 8 years or older. You can also choose a higher deductible to bring the cost down.

Comprehensive (Other than Collision)

Comprehensive insurance coverage pays for damage OTHER than collision with another vehicle or object. A deductible will apply then the remaining damage will be covered by your comprehensive coverage. The highest amount you'll receive from a claim is the ACV or actual cash value, so if it's not worth much more than your deductible consider dropping full coverage.

Uninsured Motorist or Underinsured Motorist insurance

Your UM/UIM coverage protects you and your vehicle's occupants from other drivers when they do not carry enough liability coverage. Since a lot of drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. So UM/UIM coverage should not be overlooked.

Medical expense insurance

Med pay and PIP coverage pay for short-term medical expenses for things like nursing services, prosthetic devices, and dental work. They are often utilized in addition to your health insurance policy or if you do not have health coverage. Personal Injury Protection is not available in all states and gives slightly broader coverage than med pay.

How Much are Dodge Journey Insurance Rates?