Lower Your 2009 Dodge Journey Insurance Quotes

Looking for lower insurance coverage rates for your Dodge Journey? Finding low-cost insurance for your Dodge Journey could be a lot of work, but you can use these tips to save time.

There is a better way to buy insurance coverage and we’ll show you the best way to compare rates for a Dodge and find the best price possible from local insurance agents and online providers.

How to compare auto insurance rate quotes

Effectively comparing auto insurance prices can take hours if you aren’t aware of the most efficient way to do it. You can spend your afternoon talking to insurance agencies in your area, or you could save time and use the web for quick rates.

Most car insurance companies participate in a marketplace where insurance shoppers enter their policy data once, and each participating company returns a rated price determined by their information. This system prevents you from having to do form submissions to each company. To fill out one form to compare multiple rates now click here to start a free quote.

The only drawback to doing it this way is that consumers can’t choose which companies to get pricing from. If you would rather choose individual companies for rate comparison, we have a listing of the cheapest auto insurance companies in your area. Click here to view list.

It’s your choice how you get your quotes, but ensure you are comparing equivalent quote data for every quote you compare. If you enter different liability limits you will not be able to get a fair rate comparison.

Tailor your car insurance coverage to you

When it comes to choosing coverage for your personal vehicles, there isn’t really a single plan that fits everyone. Your needs are not the same as everyone else’s.

For example, these questions can aid in determining if your insurance needs could use an agent’s help.

• If my 2009 Dodge Journey is totaled, can I afford another vehicle?
• Is a blown tire covered by insurance?
• How does medical payments coverage work?
• How much can I save by bundling my policies?
• Am I covered if I hit my neighbor’s mailbox?
• What is the ISO rating for a 2009 Dodge Journey?

If you don’t know the answers to these questions but one or more may apply to you, then you may want to think about talking to a licensed agent. To find lower rates from a local agent, fill out this quick form. It’s fast, doesn’t cost anything and may give you better protection.

Auto insurance coverage breakdown

Understanding the coverages of your auto insurance policy helps when choosing the right coverages and proper limits and deductibles. Policy terminology can be confusing and even agents have difficulty translating policy wording.

Auto collision coverage

Collision coverage pays for damage to your Journey resulting from a collision with a stationary object or other vehicle. You first must pay a deductible then your collision coverage will kick in.

Collision coverage pays for claims such as hitting a mailbox, hitting a parking meter and crashing into a building. This coverage can be expensive, so consider dropping it from vehicles that are older. It’s also possible to increase the deductible to save money on collision insurance.

Uninsured Motorist or Underinsured Motorist insurance

This protects you and your vehicle’s occupants when the “other guys” either have no liability insurance or not enough. Covered claims include hospital bills for your injuries and also any damage incurred to your Dodge Journey.

Because many people 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 a good idea. Usually the UM/UIM limits are similar to your liability insurance amounts.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive can pay for claims like rock chips in glass, vandalism, hail damage, damage from a tornado or hurricane and a tree branch falling on your vehicle. The highest amount your auto insurance company will pay is the market value of your vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.

Insurance for medical payments

Coverage for medical payments and/or PIP reimburse you for short-term medical expenses for doctor visits, dental work, ambulance fees and surgery. They can be used in conjunction with a health insurance policy or if you do not have health coverage. Medical payments and PIP cover you and your occupants and will also cover if you are hit as a while walking down the street. Personal injury protection coverage is not universally available but can be used in place of medical payments coverage

Auto liability

This protects you from damage that occurs to other’s property or people that is your fault. This coverage protects you from legal claims by others, and does not provide coverage for your own vehicle damage or injuries.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have liability limits of 100/300/100 that means you have a $100,000 limit per person for injuries, a per accident bodily injury limit of $300,000, and $100,000 of coverage for damaged propery. Alternatively, you may have one limit called combined single limit (CSL) which provides one coverage limit and claims can be made without the split limit restrictions.

Liability can pay for claims like repair bills for other people’s vehicles, repair costs for stationary objects, structural damage, bail bonds and emergency aid. How much liability coverage do you need? That is your choice, but it’s cheap coverage so purchase higher limits if possible.