Cheapest 2014 Dodge Journey Insurance Rates in 2023
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UPDATED: May 12, 2022
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Searching for cheaper insurance coverage rates for your Dodge Journey? Nobody I know looks forward to buying insurance coverage, in particular when their premiums are too high. Many auto insurance companies compete to insure your vehicles, and because of this it can be hard to compare car insurance companies and uncover the absolute best rates possible.
If you have a current auto insurance policy or need new coverage, you can learn to find better prices while maximizing coverage. Buying car insurance is quite easy. Vehicle owners just need to learn the best way to compare company rates online.
Free Quotes for Insurance Coverage
Effectively comparing insurance coverage prices is a ton of work if you aren’t aware of the most efficient way to do it. You can waste hours talking to insurance agencies in your area, or you can utilize online quoting to get pricing more quickly.
Many of the larger companies are enrolled in a marketplace that enables customers to send in one quote, and each company can provide price quotes based on that data. This saves time by eliminating quote requests for every insurance coverage company.
To find out how much you’re overpaying now click here to open in new window.
The one downside to comparing rates this way is you can’t choose the insurers you will receive quotes from. If you would rather choose specific insurance companies to request quotes from, we put together a list of the cheapest insurance coverage companies in your area. View list of insurance companies.
Which method you use is up to you, but compare apples-to-apples coverage information for every quote you compare. If you enter different deductibles it’s not possible to determine the best price for your Dodge Journey.
Tailor your coverage to you
When it comes to buying adequate coverage for your vehicles, there is no single plan that fits everyone. Everyone’s needs are different and your policy should reflect that. These are some specific questions may help you determine if your insurance needs would benefit from an agent’s advice.
- Are rock chip repairs covered?
- Is my vehicle covered by my employer’s policy when using it for work?
- What are the financial responsibility laws in my state?
- Does my insurance cover a custom paint job?
- What is roadside assistance coverage?
- How can I get my company to pay me more for my totalled car?
- Do I need PIP coverage since I have good health insurance?
- Is my ex-spouse still covered by my policy?
If it’s difficult to answer those questions, then you may want to think about talking to an agent. If you want to speak to an agent in your area, take a second and complete this form or click here for a list of insurance coverage companies in your area. It’s fast, free and can provide invaluable advice.
Learn about auto insurance coverages for a Dodge Journey
Having a good grasp of your auto insurance policy can help you determine which coverages you need for your vehicles. The terms used in a policy can be difficult to understand and even agents have difficulty translating policy wording. Listed below are typical coverage types available from auto insurance companies.
Coverage for uninsured or underinsured drivers
Your UM/UIM coverage protects you and your vehicle’s occupants when the “other guys” do not carry enough liability coverage. This coverage pays for medical payments for you and your occupants as well as damage to your Dodge Journey.
Since a lot of drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage should not be overlooked.
Comprehensive auto insurance
This covers damage that is not covered by collision coverage. You first must pay your deductible and then insurance will cover the rest of the damage.
Comprehensive can pay for claims like hail damage, a broken windshield, falling objects and damage from flooding. The maximum payout you’ll receive from a claim is the actual cash value, so if the vehicle’s value is low consider dropping full coverage.
This coverage provides protection from damages or injuries you inflict on people or other property. Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have values of 100/300/100 that means you have $100,000 in coverage for each person’s injuries, a limit of $300,000 in injury protection per accident, and $100,000 of coverage for damaged property.
Liability coverage protects against things such as attorney fees, emergency aid, structural damage, repair bills for other people’s vehicles and medical expenses. How much liability should you purchase? That is up to you, but it’s cheap coverage so purchase as high a limit as you can afford.
Coverage for medical expenses
Coverage for medical payments and/or PIP provide coverage for immediate expenses for things like prosthetic devices, funeral costs, ambulance fees and pain medications. They are used in conjunction with a health insurance program or if you lack health insurance entirely. Medical payments and PIP cover all vehicle occupants and will also cover getting struck while a pedestrian. PIP is not universally available but it provides additional coverages not offered by medical payments coverage
Collision coverage covers damage to your Journey caused by collision with an object or car. You will need to pay your deductible and then insurance will cover the remainder.
Collision coverage pays for things like damaging your car on a curb, scraping a guard rail and crashing into a building. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Another option is to bump up the deductible in order to get cheaper collision rates.
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