How Much Does 2014 Dodge Journey Insurance Cost?

Searching for the cheapest insurance rates for your Dodge Journey? Are you tired of paying out the nose to pay your car insurance bill each month? You’re in the same situation as many other consumers.

With consumers having so many different company options, it can be hard to choose the best car insurance company.

It’s a great practice to take a look at other company’s rates on a regular basis because prices go up and down regularly. If you had the lowest price for Journey insurance a year ago other companies may now be cheaper. So ignore everything you know about insurance because you’re going to learn the fastest way to lower your annual insurance bill.

Buying the best insurance coverage can be fairly easy. Essentially anyone who has to buy insurance coverage will most likely be able to lower their premiums. Although drivers need to have an understanding of how the larger insurance companies market insurance on the web.

You probably qualify for some discounts

The price of auto insurance can be rather high, but there could be available discounts to help offset the cost. Certain discounts will be triggered automatically at the time of quoting, but a few need to be specially asked for prior to getting the savings.

  • Homeowners Discount – Being a homeowner may earn you a small savings because owning a home requires personal responsibility.
  • Safe Driver Discount – Safe drivers may save up to 50% more for Journey insurance than drivers with accident claims.
  • No Charge for an Accident – A handful of insurance companies will allow you to have one accident without raising rates as long as you don’t have any claims prior to the accident.
  • Government Employees – Simply working for the federal government could cut as much as 10% off for Journey insurance with select insurance companies.
  • Lower Rates for Military – Having a deployed family member could be rewarded with lower premiums.

Keep in mind that most discount credits are not given to the entire cost. Some only reduce the cost of specific coverages such as physical damage coverage or medical payments. Just because you may think all those discounts means the company will pay you, companies wouldn’t make money that way. Any amount of discount will reduce the amount you have to pay.

To see a list of providers who offer auto insurance discounts, click here to view.

Insurance Coverage Prices Online

All the larger insurance coverage companies such as Progressive, Allstate and GEICO quote prices for coverage online. Getting online rates is fairly straightforward as you simply enter the coverage amounts you desire as requested by the quote form. When the form is submitted, the system sends out for information on your driving record and credit history and quotes a price based on many factors. Being able to quote online helps simplify price comparisons, but the time required to go to many different websites and type in the same information can get tiresome after awhile. Unfortunately, it is important to get many rate quotes if you are searching for the lowest price.

There is a better way!

The smarter way to compare insurance coverage pricing requires only one form that gets prices from several different companies. It saves time, requires less work, and makes online quotes a lot less work. Immediately after submitting the form, it is rated and you can select any of the resulting price quotes.

If the quotes result in lower rates, you can click and sign and purchase the new policy. This process can be completed in less than 10 minutes and can result in significant savings.

In order to compare pricing, simply click here to open in new window and enter your vehicle and coverage information. If you currently have coverage, we recommend you replicate the limits and deductibles as shown on your current policy. Doing this guarantees you will be getting rate comparison quotes for similar insurance coverage.

Dodge Journey insurance rates are influenced by…

An important part of buying insurance is that you know the factors that play a part in calculating the rates you pay for insurance coverage. When you know what positively or negatively influences your rates empowers consumers to make smart changes that could result in big savings.

  • Choose a safe vehicle and save – Vehicles with high crash test scores are cheaper to insure. Safe vehicles have better occupant injury protection and fewer injuries means less money paid by your insurance company and lower rates for you. If your Dodge is rated at least four stars on Safercar.gov you may qualify for a discount.
  • Lower miles equals lower premium – The more you drive each year the higher your rates will be. The majority of insurers charge to insure your cars determined by how the vehicle is used. Vehicles not used for work or commuting receive lower rates compared to those used for work or business. An improperly rated Journey may be costing you. Ask your agent if your insurance coverage policy is rated on the correct driver usage, because improper ratings can cost you money.
  • Big city or small town – Being located in a rural area has it’s advantages when it comes to insurance coverage. Drivers in populated areas tend to have congested traffic and longer commutes to work. Fewer people translates into fewer accidents and also fewer theft and vandalism claims.
  • A clean driving record saves money – Even a single citation may increase your cost by twenty percent. Drivers with clean records receive lower rates than people who have multiple driving citations. Drivers who get severe violations like hit and run, DWI or reckless driving convictions may be required to submit a SR-22 form with the DMV in their state in order to drive a vehicle legally.
  • Adjust deductibles and save – Your deductibles define the amount you are required to spend before your insurance coverage pays a claim. Physical damage coverage, otherwise known as comp (or other than collision) and collision, is used to repair damage to your car. Some examples of claims that would be covered are running into the backend of another car, damage caused by hail, and windstorm damage. The more money the insured has to pay upfront, the less your insurance coverage will be for Journey insurance.
  • Do you work long hours in a high stress job? – Did you know your insurance coverage rates can be affected by your occupation? Careers like doctors, social workers and financial analysts tend to pay higher average rates due to high stress levels and lengthy work days. Conversely, professions such as pilots, engineers and performers have the lowest average rates for Journey insurance.
  • Don’t let your coverage lapse – Driving with no insurance is a misdemeanor and you will pay a penalty because you let your coverage lapse. And not only will your rates increase, getting caught without coverage can result in a license revocation or jail time.
  • Older drivers pay less – Mature drivers tend to be more responsible, tend to file fewer claims and receive fewer citations. Teen drivers are known to be more careless in a vehicle and because of this, their insurance coverage rates are much higher.

There’s no such thing as the perfect policy

When it comes to buying proper insurance coverage for your personal vehicles, there is no best way to insure your cars. Every insured’s situation is different so this has to be addressed. For example, these questions can aid in determining if your insurance needs may require specific advice.

  • Will I lose any money if I cancel my policy before it expires?
  • Should I carry comprehensive and collision coverage?
  • How high should deductibles be on a 2014 Dodge Journey?
  • Do I need special endorsements for business use of my vehicle?
  • Does my insurance cover damage caused when ticketed for reckless driving?
  • Should I sign the liability waiver when renting a car?

If you’re not sure about those questions then you might want to talk to an insurance agent. To find lower rates from a local agent, complete this form or go to this page to view a list of companies.

Auto insurance 101

Understanding the coverages of a insurance policy helps when choosing the right coverages at the best deductibles and correct limits. The coverage terms in a policy can be confusing and coverage can change by endorsement. Listed below are the normal coverages found on most insurance policies.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Your UM/UIM coverage provides protection from other motorists when they are uninsured or don’t have enough coverage. Covered claims include injuries sustained by your vehicle’s occupants and damage to your Dodge Journey.

Due to the fact that many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages should not be overlooked. Most of the time these limits are similar to your liability insurance amounts.

Comprehensive auto coverage

Comprehensive insurance covers damage that is not covered by collision coverage. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers claims such as theft, vandalism, fire damage and a tree branch falling on your vehicle. The most your insurance company will pay is the ACV or actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Medical payments and PIP coverage

Med pay and PIP coverage kick in for short-term medical expenses such as EMT expenses, ambulance fees and rehabilitation expenses. They are often utilized in addition to your health insurance program or if you lack health insurance entirely. It covers all vehicle occupants and will also cover if you are hit as a while walking down the street. PIP coverage is not available in all states and gives slightly broader coverage than med pay

Auto collision coverage

This pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for things such as driving through your garage door, damaging your car on a curb, scraping a guard rail and sideswiping another vehicle. This coverage can be expensive, so consider dropping it from lower value vehicles. It’s also possible to bump up the deductible to bring the cost down.

Liability car insurance

Liability insurance can cover damage that occurs to a person or their property in an accident. This coverage protects you against other people’s claims. Liability doesn’t cover your own vehicle damage or injuries.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see limits of 25/50/25 that means you have a limit of $25,000 per injured person, a per accident bodily injury limit of $50,000, and property damage coverage for $25,000. Occasionally you may see a combined limit which provides one coverage limit and claims can be made without the split limit restrictions.

Liability coverage pays for things like pain and suffering, structural damage, emergency aid, medical expenses and court costs. How much liability should you purchase? That is a personal decision, but buy as large an amount as possible.

Final thoughts

In this article, we covered some good ideas how you can shop for 2014 Dodge Journey insurance online. The key concept to understand is the more companies you get rates for, the better likelihood of reducing your rate. You may even discover the best prices are with a small mutual company. They can often insure niche markets at a lower cost compared to the large companies like Progressive and GEICO.

When trying to cut insurance costs, don’t be tempted to reduce needed coverages to save money. Too many times, someone dropped comprehensive coverage or liability limits only to regret that the savings was not a smart move. The proper strategy is to buy the best coverage you can find at a price you can afford while not skimping on critical coverages.

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