How Much Does 2015 Dodge Journey Insurance Cost?

Trying to find cheaper insurance for a Dodge Journey can normally be a lot of work, but you can use these tips and make it easy.

There is a better way to buy insurance and you need to know the absolute fastest way to quote coverages for a Dodge and get the lowest price from local insurance agents and online providers.

If you are insured now or are just looking to switch companies, you can learn to find the best rates and possibly find even better coverage. Pricing more affordable coverage is easy if you know what you’re doing. Vehicle owners just need to learn the best way to compare rates on the web.

Auto insurance companies offer many discounts

Companies do not advertise every discount very clearly, so below is a list both the well known and also the lesser-known ways to save on auto insurance.

• Anti-theft System – Cars, trucks, and SUVs equipped with anti-theft or alarm systems have a lower chance of being stolen and earn discounts up to 10% off your insurance quote.
• Driver Safety – Taking a class that teaches defensive driver techniques could earn you a small percentage discount and make you a better driver.
• Telematics Discount – People who choose to allow data collection to analyze where and when they drive by using a telematic data system such as Drivewise from Allstate or Snapshot from Progressive could save a few bucks if they are good drivers.
• Professional Organizations – Joining a professional or civic organization may earn a discount on your next renewal.
• Online Discount – Many larger companies will give a small break for buying your policy on the web.
• Anti-lock Brakes – Vehicles with anti-lock braking systems can avoid accidents so you can save 10 percent or more.
• Multi-line Discount – Insurance carriers who offer life insurance give better premium rates if you take out some life insurance too.

Policy discounts save money, but most credits do not apply to all coverage premiums. Some only reduce specific coverage prices like liability, collision or medical payments. Even though the math looks like you would end up receiving a 100% discount, companies don’t profit that way.

A list of auto insurance companies and a selection of discounts can be found below.

• Farmers Insurance may have discounts that include teen driver, switch companies, alternative fuel, business and professional, and pay in full.
• Esurance may offer discounts for Switch & Save, defensive driver, good student, multi-policy, claim free, online quote, and renters.
• State Farm may include discounts for safe vehicle, accident-free, defensive driving training, multiple autos, driver’s education, and good student.
• Geico offers premium reductions for multi-policy, air bags, military active duty, five-year accident-free, and anti-theft.
• Allstate offers discounts including utility vehicle, eSmart discount, premier discount, early signing, new car, multi-policy, and premier plus.

If you want low cost insurance quotes, ask every company how you can save money. Some discounts listed above may not be offered in your area. To find companies that provide some of the discounts listed above, click this link.

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Do I just need basic coverages?

When choosing adequate coverage, there really is not a best way to insure your cars. Every situation is different.

Here are some questions about coverages that might help in determining if you would benefit from professional advice.

• Does my medical payments coverage pay my health insurance deductible?
• Are rock chip repairs covered?
• What should my uninsured motorist coverage limits be in my state?
• Is my Dodge Journey covered if I use it for business?
• Should I buy full coverage?
• Does my insurance cover my expensive audio equipment?

If you can’t answer these questions, you may need to chat with a licensed agent. To find an agent in your area, simply complete this short form. It’s fast, free and you can get the answers you need.

Save $465 a year. For real?

Consumers can’t get away from all the ads for the lowest price car insurance by companies like Allstate, Geico and Progressive. They all seem to tend to make the same promise that you’ll save big just by moving your policy.

How do they all make almost identical claims? Here is the trick they use.

Insurance companies can use profiling for the type of driver that will most likely be profitable. For instance, a profitable insured could possibly be a married male, has a low-risk occupation, and drives less than 5,000 miles a year. Any person who fits that profile will get low premium rates and is almost guaranteed to pay quite a bit less when switching companies.

Potential insureds who cannot meet the ideal profile may be forced to pay a higher rate which usually ends up with the customer buying from a different company. The wording the ads use say “drivers that switch” not “everybody who quotes” save the amount stated. That’s the way companies can make claims that they all have the best rates.

Different companies use different criteria so you should do a quote comparison often. It’s impossible to know with any certainty which company will provide you with the cheapest prices.

Coverages available on your auto insurance policy

Learning about specific coverages of your auto insurance policy can help you determine which coverages you need and the correct deductibles and limits. Auto insurance terms can be ambiguous and nobody wants to actually read their policy.

Collision coverages – This pays for damage to your Journey caused by collision with a stationary object or other vehicle. You will need to pay your deductible then your collision coverage will kick in.

Collision insurance covers claims such as driving through your garage door, crashing into a ditch, colliding with a tree, hitting a parking meter and hitting a mailbox. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are 8 years or older. It’s also possible to choose a higher deductible in order to get cheaper collision rates.

Comprehensive protection – Comprehensive insurance will pay to fix damage from a wide range of events other than collision. A deductible will apply then your comprehensive coverage will pay.

Comprehensive insurance covers claims like damage from flooding, rock chips in glass, fire damage and a broken windshield. The highest amount you’ll receive from a claim is the cash value of the vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Medical expense coverage – Coverage for medical payments and/or PIP provide coverage for short-term medical expenses such as chiropractic care, EMT expenses, rehabilitation expenses, pain medications and doctor visits. They are utilized in addition to your health insurance policy or if you lack health insurance entirely. Coverage applies to not only the driver but also the vehicle occupants as well as being hit by a car walking across the street. Personal injury protection coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage

Uninsured or underinsured coverage – Uninsured or Underinsured Motorist coverage gives you protection from other drivers when they are uninsured or don’t have enough coverage. This coverage pays for hospital bills for your injuries as well as your vehicle’s damage.

Since a lot of drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage should not be overlooked. Frequently your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.

Liability insurance – Liability coverage can cover injuries or damage you cause to other people or property by causing an accident. This insurance protects YOU against other people’s claims. Liability doesn’t cover damage to your own property or vehicle.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show liability limits of 25/50/25 that translate to $25,000 in coverage for each person’s injuries, a per accident bodily injury limit of $50,000, and a limit of $25,000 paid for damaged property. Another option is a combined single limit or CSL which limits claims to one amount rather than limiting it on a per person basis.

Liability coverage protects against things such as structural damage, emergency aid and repair costs for stationary objects. The amount of liability coverage you purchase is your choice, but you should buy as much as you can afford.

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Smart consumers save more

As you restructure your insurance plan, you should never buy less coverage just to save a little money. In many cases, an insured cut liability coverage limits only to regret that they should have had better coverage. Your goal is to purchase a proper amount of coverage at the best possible price while not skimping on critical coverages.

Cost effective 2015 Dodge Journey insurance can be bought from both online companies and with local insurance agents, so get free insurance quotes from both of them to get a complete price analysis. Some companies may not provide the ability to get a quote online and these smaller companies work with independent agents.

Drivers change insurance companies for a number of reasons such as policy cancellation, poor customer service, questionable increases in premium and even an unsatisfactory settlement offer. No matter why you want to switch, finding a new company is not as difficult as it may seem.

Helpful resources

• Driving in Bad Weather (Insurance Information Insitute)
• What are my Rights when Filing a Claim? (Insurance Information Insitute)
• Crash Avoidance Technologies FAQ (iihs.org)
• Top Signs Your Brakes are Giving Out (State Farm)
• Choosing an Insurance Company (Insurance Information Insitute)

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