View 2018 Dodge Journey Insurance Cost

Are you a victim of an underperforming, overpriced auto insurance policy? It’s a common feeling and there are lots of people in the same boat. You have so many insurance companies to buy insurance from, and even though it’s nice to have multiple companies, it can be more challenging to compare company pricing.

Consumers need to compare rates at least once a year since insurance prices are variable and change quite frequently. Even if you think you had the lowest price for Journey coverage two years ago you can probably find a lower rate today. Block out anything you think you know about auto insurance because we’re going to show you the proper way to save money, get proper coverage and the best rates.

Quote insurance online

Many insurance companies give insurance quotes on their websites. Doing online quotes is very simple because you just enter the coverages you want into the form. After the form is submitted, the quote system will order reports for credit and driving violations and returns a price quote. Being able to quote online helps simplify price comparisons, but the process of having to visit different websites and type in the same information can be a bit tiresome and repetitive. Unfortunately, it is important to compare as many rates as possible if you want to find better prices.

The better way to compare rates

The preferred way to find lower prices uses one form that obtains quotes from many companies. It saves time, reduces the work, and makes online quotes much easier to do. Immediately after submitting the form, it is rated and you are able to buy your choice of the price quotes you receive. If one or more price quotes are lower than your current rates, you simply finish the application and buy the new coverage. It takes less than 15 minutes and you will find out if you’re overpaying now.

If you want to fill out one form to compare multiple rates now, click here and input your coverage information. If you have your current policy handy, we recommend you complete the form with the insurance coverages as shown on your current policy. This makes sure you will receive a fair comparison using the same coverage and limits.

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Is there truth in advertising?

Consumers get pounded daily by advertisements for car insurance savings from the likes of Geico, State Farm and Progressive. All the ads have a common claim of big savings after switching your policy.

How does every company give you a better price? Just pay attention to how they say it.

All companies have specific characteristics for the type of insured that will not have excessive claims. For instance, this type of insured may be between 25 and 40, has few claims, and drives a car with an anti-theft system. Any new insured who matches those parameters receives the best prices and as a result will probably save quite a bit of money when switching.

People who fall outside those criteria may receive more expensive rates and business going elsewhere. If you pay attention, the ads say “people who switch” not “everyone that quotes” will save that much if they switch. That’s the way companies can truthfully make those claims. Because of this risk profiling, it is so important to get car insurance quotes from several different companies. You cannot predict which insurance companies will have the lowest rates.

Are you getting every discount?

Some insurers don’t always list all available discounts in an easy-to-find place, so the following list contains some of the best known in addition to some of the lesser obvious discounts that you can inquire about if you buy car insurance online.

• Discount for Multiple Policies – When you combine your auto and homeowners insurance and insure them with the same company they may give you a discount of approximately 10% to 15%.
• Discounts for Cautious Drivers – Drivers who avoid accidents may save up to 50% more for Journey coverage than their less cautious counterparts.
• Multi-car Discount – Buying a policy with all your vehicles with the same auto insurance company can get a discount for every vehicle.
• Save over 55 – If you qualify as a senior citizen, you may be able to get better auto insurance rates for Journey coverage.
• Student Discounts – Maintaining excellent grades may save as much as 25% on a car insurance quote. Most companies allow this discount until age 25.
• Telematics Data Discounts – Insureds that choose to allow their company to monitor when and where they use their vehicle by using a telematic data system such as State Farm’s In-Drive may get a rate reduction if their driving habits are good.

Don’t be surprised that most of the big mark downs will not be given to the entire policy premium. Some only reduce individual premiums such as medical payments or collision. Just because you may think adding up those discounts means a free policy, companies don’t profit that way. Any amount of discount will lower the premium cost.

Companies that may offer quotes with most of these discounts include:

• Geico
• Travelers
• Nationwide
• Farmers Insurance
• Esurance
• State Farm
• Progressive
• Mercury Insurance

Double check with all companies you are considering to give you their best rates. Some of the discounts discussed earlier may not be available in your area. If you would like to choose from a list of insurance companies that offer discounts, follow this link.

When in doubt talk to an agent

When choosing the right insurance coverage, there isn’t really a “best” method to buy coverage. Each situation is unique so your insurance should reflect that For instance, these questions can aid in determining if your situation would benefit from professional advice.

• When should I remove comp and collision on my 2018 Dodge Journey?
• At what point should I drop full coverage?
• Are rental cars covered under my policy?
• Do I need rental car coverage?
• Is my nanny covered when driving my vehicle?
• Can I pay claims out-of-pocket if I buy high deductibles?
• Do I need more liability coverage?

If it’s difficult to answer those questions, you might consider talking to an agent. To find an agent in your area, take a second and complete this form or click here for a list of insurance companies in your area. It’s fast, free and can help protect your family.

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Coverage specifics

Having a good grasp of insurance aids in choosing the best coverages at the best deductibles and correct limits. The coverage terms in a policy can be impossible to understand and coverage can change by endorsement. Listed below are typical coverage types found on the average insurance policy.

Uninsured/Underinsured Motorist (UM/UIM)

Uninsured or Underinsured Motorist coverage protects you and your vehicle from other motorists when they either have no liability insurance or not enough. Covered claims include injuries sustained by your vehicle’s occupants as well as damage to your Dodge Journey.

Because many people have only the minimum liability required by law, it only takes a small accident to exceed their coverage. So UM/UIM coverage is important protection for you and your family.

Comprehensive insurance

Comprehensive insurance pays for damage OTHER than collision with another vehicle or object. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive coverage pays for things such as rock chips in glass, a broken windshield and hitting a bird. The most a insurance company will pay at claim time is the market value of your vehicle, so if the vehicle’s value is low consider dropping full coverage.

Collision coverage protection

Collision insurance will pay to fix damage to your Journey from colliding with another car or object. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for things such as hitting a parking meter, colliding with a tree, crashing into a ditch and sideswiping another vehicle. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are older. Drivers also have the option to choose a higher deductible to bring the cost down.

Auto liability insurance

Liability coverage can cover damages or injuries you inflict on people or other property in an accident. This coverage protects you from claims by other people. It does not cover your injuries or vehicle damage.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see policy limits of 100/300/100 that means you have a limit of $100,000 per injured person, a per accident bodily injury limit of $300,000, and a limit of $100,000 paid for damaged property.

Liability insurance covers claims such as repair bills for other people’s vehicles, structural damage and medical expenses. The amount of liability coverage you purchase is a personal decision, but you should buy as high a limit as you can afford.

Med pay and Personal Injury Protection (PIP)

Coverage for medical payments and/or PIP reimburse you for short-term medical expenses such as chiropractic care, pain medications, funeral costs and rehabilitation expenses. The coverages can be used in conjunction with a health insurance program or if you do not have health coverage. They cover all vehicle occupants and will also cover being hit by a car walking across the street. PIP is not available in all states and may carry a deductible

Shop Smart and Save

Lower-priced 2018 Dodge Journey insurance can be found from both online companies and from local insurance agents, so you should be comparing quotes from both to get a complete price analysis. Some companies do not provide internet price quotes and many times these small, regional companies only sell coverage through independent agents.

As you quote car insurance, it’s not a good idea to buy lower coverage limits just to save a few bucks. There have been many cases where consumers will sacrifice comprehensive coverage or liability limits to discover at claim time they didn’t have enough coverage. Your aim should be to buy enough coverage at the best possible price and still be able to protect your assets.

We just showed you many ideas to shop for 2018 Dodge Journey insurance online. The key concept to understand is the more providers you compare, the better your comparison will be. Consumers could even find that the lowest rates come from an unexpected company. They may often insure only within specific states and give getter rates as compared to the big name companies such as Allstate and Progressive.

Additional insurance coverage information is located at these links:

• Prepare your Teens for Safe Driving (InsureUonline.org)
• Who Has Affordable Atlanta Car Insurance Quotes for a Dodge Journey? (AtlantaMetroInsurance.com)
• Who Has the Cheapest Detroit Auto Insurance for a Dodge Journey? (DetroitInsure.com)
• No-Fault Auto Insurance Statistics (Insurance Information Insitute)
• Rental Car Insurance Tips (Insurance Information Insitute)
• Tread Depth and Tire Safety (State Farm)
• What is Full Coverage? (Allstate)

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