2017 Dodge Journey Insurance Cost – 8 Discounts for Cheaper Prices

Finding low-cost insurance for your Dodge Journey can be an all-consuming task, but you can learn our car insurance buying tips to make it easier. There are both good and bad ways to shop for car insurance and we’ll show you the quickest way to compare rates for your Dodge and find the cheapest rates either online or from local insurance agents.

It is always a good idea to compare prices at least once a year since prices are constantly changing. Even if you got the lowest rates on Journey coverage a few years ago you will most likely find a better premium rate today. Don’t believe everything you read about car insurance on the web, but in just a couple of minutes you can learn some solid techniques on how to lower your car insurance rates.

If you have a current auto insurance policy or are just looking to switch companies, you can learn to cut your premiums while maximizing coverage. Buying affordable protection is easy if you know what you’re doing. Drivers just need to know the proper way to compare rates on the web.

More discounts mean cheap premiums

Car insurance is not cheap, but you may find discounts that you may not even know about. Most are applied when you complete an application, but a few need to be asked about before you get the savings.

• Buy New and Save – Insuring a new car can save up to 30% because newer vehicles are generally safer.
• Anti-theft Discount – Vehicles equipped with tracking devices and advanced anti-theft systems are stolen less frequently and can earn a small discount on your policy.
• Multi-car Discount – Drivers who insure multiple vehicles on one policy could earn a price break for each car.
• Discounts for Government Workers – Active or former government employment may reduce rates when you quote car insurance on Journey coverage with certain companies.
• Telematics Data Discounts – Drivers who elect to allow data collection to scrutinize their driving habits by using a telematic data system like Allstate’s Drivewise might see lower rates if they exhibit good driving behavior.
• Senior Citizen Rates – Seniors are able to get a small discount on rates on Journey coverage.
• Claim Free – Good drivers with no accidents get the best insurance coverage rates as compared to drivers with a long claim history.
• Paper-free Discount – Some companies may give you up to $50 shop car insurance digitally online.

One thing to note about discounts is that many deductions do not apply to the overall cost of the policy. A few only apply to the cost of specific coverages such as comp or med pay. Despite the appearance that adding up those discounts means a free policy, you’re out of luck.

Insurance companies that may offer these money-saving discounts include:

• 21st Century
• State Farm
• AAA
• Liberty Mutual
• Progressive

When getting a coverage quote, ask all the companies how many discounts you can get. Some discounts listed above may not be offered in your area.

It’s not one size fits all

When it comes to choosing adequate coverage for your vehicles, there really is no “perfect” insurance plan. Coverage needs to be tailored to your specific needs.

These are some specific questions might help in determining whether or not you could use an agent’s help.

• Is a blown tire covered by insurance?
• Can I make deliveries for my home business?
• Am I covered if I break a side mirror?
• Am I covered by my employer’s commercial auto policy when driving my personal car for business?
• How much underlying liability do I need for an umbrella policy?
• Will filing a claim cost me more?

If you can’t answer these questions but you think they might apply to your situation then you might want to talk to an insurance agent. To find lower rates from a local agent, complete this form. It only takes a few minutes and may give you better protection.

Car insurance coverages and their meanings

Understanding the coverages of your car insurance policy can be of help when determining which coverages you need and the correct deductibles and limits. Car insurance terms can be confusing and reading a policy is terribly boring.

Comprehensive insurance – Comprehensive insurance coverage will pay to fix damage from a wide range of events other than collision. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive coverage pays for claims such as damage from flooding, damage from getting keyed, fire damage, hail damage and a tree branch falling on your vehicle. The highest amount you can receive from a comprehensive claim is the actual cash value, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Auto liability insurance – Liability coverage can cover damages or injuries you inflict on other’s property or people that is your fault. Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see limits of 50/100/50 that translate to $50,000 bodily injury coverage, a limit of $100,000 in injury protection per accident, and a limit of $50,000 paid for damaged property.

Liability can pay for things like court costs, medical services, funeral expenses, legal defense fees and loss of income. How much liability should you purchase? That is up to you, but consider buying higher limits if possible.

Med pay and Personal Injury Protection (PIP) – Personal Injury Protection (PIP) and medical payments coverage reimburse you for short-term medical expenses like funeral costs, EMT expenses and rehabilitation expenses. They are utilized in addition to your health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover you and your occupants in addition to being hit by a car walking across the street. Personal injury protection coverage is not an option in every state but can be used in place of medical payments coverage

Uninsured/Underinsured Motorist (UM/UIM) – This gives you protection when other motorists do not carry enough liability coverage. This coverage pays for medical payments for you and your occupants and also any damage incurred to your 2017 Dodge Journey.

Due to the fact that many drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is a good idea.

Collision coverages – Collision coverage covers damage to your Journey caused by collision with another vehicle or an object, but not an animal. A deductible applies then the remaining damage will be paid by your insurance company.

Collision coverage pays for things like backing into a parked car, hitting a mailbox, colliding with a tree, crashing into a ditch and hitting a parking meter. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are 8 years or older. It’s also possible to choose a higher deductible to save money on collision insurance.

A little work can save a LOT of money

You just learned a lot of techniques to lower your 2017 Dodge Journey insurance rates. The key thing to remember is the more quotes you get, the better likelihood of getting inexpensive car insurance. You may even discover the lowest priced insurance coverage comes from the least-expected company.

Budget-conscious 2017 Dodge Journey insurance is definitely available from both online companies as well as from independent agents, and you should be comparing both to have the best selection. There are still a few companies who do not offer online price quotes and many times these regional carriers only sell through independent insurance agencies.

When buying insurance coverage, do not skimp on critical coverages to save a buck or two. There have been many cases where someone dropped uninsured motorist or liability limits only to discover later that they should have had better coverage. Your focus should be to purchase plenty of coverage at a price you can afford and still be able to protect your assets.

To read more, take a look at the following helpful articles:

• How to Avoid Common Accidents (State Farm)
• What Determines the Price of My Auto Insurance Policy? (Insurance Information Insitute)
• Choosing a Car for Your Teen (State Farm)
• State Car Insurance Guides (Geico)
• Collision Insurance Coverage (Nationwide)