Compare 2015 Dodge Journey Car Insurance Quotes

Searching for the cheapest car insurance rates for your Dodge Journey? Sick and tired of scraping the payment together to buy car insurance? You are no different than many other consumers.

Because there are so many insurance providers from which to choose, it is very difficult to pick the most cost effective insurance company.

Finding cheaper coverage is simple if you know the tricks. In a nutshell, anyone who carries insurance coverage most likely will be able to save money. Although vehicle owners can benefit from knowing how companies sell online and use this information to your advantage.

Discounts on Dodge Journey insurance

Insuring your vehicles can cost a lot, but discounts can save money and there are some available that you may not even be aware of. Most are applied at the time of purchase, but less common discounts must be asked about prior to receiving the credit.

  • Braking Control Discount – Vehicles equipped with ABS or steering control can avoid accidents and will save you 10% or more.
  • Multi-policy Discount – If you have multiple policies with the same company you could get a discount of up to 20% off your total premium.
  • One Accident Forgiven – Some insurance companies will allow you to have one accident before raising your premiums so long as you haven’t had any claims for a particular time prior to the accident.
  • Passive Restraints – Factory air bags or automatic seat belts may earn rate discounts up to 30%.
  • Discount for Life Insurance – Select insurance companies reward you with better rates if you take out life insurance from them.
  • No Accidents – Claim-free drivers can earn big discounts when compared to frequent claim filers.
  • Use Seat Belts – Buckling up and requiring all passengers to buckle their seat belts could save 15% on the medical payments or PIP coverage costs.
  • Anti-theft System – Vehicles with anti-theft systems are stolen less frequently and therefore earn up to a 10% discount.
  • Homeowners Savings – Being a homeowner can help you save on insurance coverage because of the fact that having a home shows financial diligence.
  • Multiple Cars – Insuring all your vehicles on the same insurance coverage policy could earn a price break for each car.

A little note about advertised discounts, most credits do not apply the the whole policy. Some only reduce the price of certain insurance coverages like liability and collision coverage. Even though it may seem like it’s possible to get free car insurance, you won’t be that lucky. But any discount will reduce your premiums.

A partial list of companies that may offer these benefits may include but are not limited to:

Check with every prospective company which discounts they offer. Some discounts may not be available in your area.

The quickest way to get policy rate comparisons takes advantage of the fact most larger insurance companies participate in a system to provide you with a free rate quote. The only thing you need to do is provide a little information such as how much you drive, whether you are married, if you are currently licensed, and how you use your vehicles. Your insurance information is automatically sent to multiple top-rated companies and they respond with quotes almost instantly.

Tailor your coverage to you

When choosing the right insurance coverage, there isn’t really a “best” method to buy coverage. Each situation is unique and your policy should reflect that. For instance, these questions may help highlight if your situation will benefit from professional help.

  • Should I have a commercial auto policy?
  • What discounts do I qualify for?
  • When should I remove comp and collision on my 2015 Dodge Journey?
  • Do I need to file an SR-22 for a DUI in my state?
  • Do I need rental car coverage?
  • How does medical payments coverage work?
  • How much liability coverage do I need in my state?
  • What happens if I owe more than my 2015 Dodge Journey is worth?
  • What is roadside assistance coverage?
  • Does my liability insurance cover pulling a trailer or camper?

If it’s difficult to answer those questions but you know they apply to you, you might consider talking to a licensed insurance agent. To find an agent in your area, complete this form or you can go here for a list of companies in your area.

Information about specific coverages

Understanding the coverages of your auto insurance policy helps when choosing which coverages you need and the correct deductibles and limits. The coverage terms in a policy can be difficult to understand and even agents have difficulty translating policy wording. Below you’ll find the normal coverages available from auto insurance companies.

Collision – This coverage covers damage to your Journey caused by collision with an object or car. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for claims like backing into a parked car, damaging your car on a curb and crashing into a building. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. It’s also possible to bump up the deductible in order to get cheaper collision rates.

Liability coverage – This coverage will cover damages or injuries you inflict on other’s property or people that is your fault. It protects YOU against other people’s claims. It does not cover your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show values of 50/100/50 which means $50,000 bodily injury coverage, a total of $100,000 of bodily injury coverage per accident, and $50,000 of coverage for damaged propery. Some companies may use one number which is a combined single limit which limits claims to one amount and claims can be made without the split limit restrictions.

Liability insurance covers things such as medical services, medical expenses, emergency aid, bail bonds and repair costs for stationary objects. How much liability coverage do you need? That is a personal decision, but you should buy as much as you can afford.

Comprehensive (Other than Collision) – Comprehensive insurance coverage will pay to fix damage that is not covered by collision coverage. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers things like vandalism, a tree branch falling on your vehicle, hitting a bird, falling objects and hail damage. The maximum payout your auto insurance company will pay 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 provide coverage for bills such as ambulance fees, funeral costs and hospital visits. They can be used in conjunction with a health insurance policy or if you do not have health coverage. It covers both the driver and occupants as well as if you are hit as a while walking down the street. PIP is only offered in select states and may carry a deductible

Protection from uninsured/underinsured drivers – Uninsured or Underinsured Motorist coverage provides protection when other motorists are uninsured or don’t have enough coverage. Covered losses 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, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is very important. Usually these limits are similar to your liability insurance amounts.

Buy Smart and Save

We just presented many tips how you can lower your 2015 Dodge Journey insurance rates. It’s most important to understand that the more companies you get rates for, the higher your chance of finding lower rates. You may even discover the biggest savings come from a small mutual company. Regional companies can often provide lower rates in certain areas than the large multi-state companies such as State Farm and Allstate.

Cheap insurance is available both online and with local insurance agents, and you should be comparing both to have the best selection. Some insurance providers do not offer you the ability to get quotes online and many times these small, regional companies only sell through independent insurance agents.

Much more information about car insurance is located at these links: