Save on 2019 Dodge Journey Car Insurance Quotes in 2024

Want cheaper car insurance rates for your Dodge Journey? No one in their right mind gets a kick out of paying for car insurance, particularly when they are paying too much. Numerous insurance companies battle for your business, and because of this it can be hard to compare car insurance companies to discover the definitive cheapest price

Smart consumers take time to check car insurance prices once or twice a year because car insurance prices go up and down regularly. If you had the lowest rates for Journey insurance two years ago you can probably find a better rate quote now. Forget anything you know (or think you know) about car insurance because you’re going to learn the right way to lower your annual insurance bill.

If you have a policy now or need a new policy, you can use these techniques to find better prices while maintaining coverages. Finding the best rates is easy if you know what you’re doing. Vehicle owners just need to learn the most efficient way to shop for auto insurance online.

Save money with discounts

Some insurance providers do not advertise the entire discount list very well, so the list below contains both the well known and also the lesser-known savings tricks you should be using when you buy insurance coverage online. If you do not double check each discount available, you’re just leaving money on the table.

• Payment Method – If you pay your bill all at once as opposed to paying monthly you could save up to 5%.
• Seat Belt Usage – Requiring all passengers to buckle up can save 10% or more on medical payment and PIP coverage.
• Theft Deterrent – Cars, trucks, and SUVs equipped with tracking devices and advanced anti-theft systems are less likely to be stolen and qualify for as much as a 10% discount.
• Low Mileage – Fewer annual miles on your Dodge can earn slightly better rates than normal.
• Discounts for New Vehicles – Insuring a new car may earn a small discount because new model year vehicles keep occupants safer.
• Defensive Driver Discounts – Passing a course in driver safety could possibly earn you a 5% discount if you qualify.
• ABS Braking Discount – Vehicles with ABS and/or traction control are much safer to drive and the ABS can save up to 10%.
• Passive Restraints – Vehicles equipped with air bags can qualify for discounts up to 30%.

As is typical with insurance, some of the credits will not apply to the entire policy premium. Some only reduce the cost of specific coverages such as comp or med pay. Despite the fact that it seems like you can get free auto insurance, companies don’t profit that way.

A list of car insurance companies and the discounts they provide include:

• 21st Century has savings for defensive driver, automatic seat belts, good student, driver training, teen driver, and homeowners.
• State Farm includes discounts for good student, accident-free, multiple autos, good driver, driver’s education, and Drive Safe & Save.
• AAA may include discounts for AAA membership discount, multi-policy, pay-in-full, anti-theft, good student, good driver, and education and occupation.
• Liberty Mutual has discounts for multi-policy, exclusive group savings, teen driver discount, preferred payment discount, and new graduate.
• Progressive policyholders can earn discounts including multi-policy, homeowner, good student, online signing, continuous coverage, and multi-vehicle.

Before you buy a policy, ask all companies you are considering how many discounts you can get. Depending on the company, some discounts may not apply to policyholders in your state.

The most recommended method to compare rate quotes takes advantage of the fact most of the bigger providers have advanced systems to provide you with a free rate quote. The only thing you need to do is provide a little information like if the vehicle is leased, if you’re married, if you are currently licensed, and the make and model of your vehicles. Your rating data is sent automatically to insurance companies and you receive quotes very quickly.

If you would like to start a quote now, click here and complete the form.

What is the best insurance coverage?

When it comes to choosing coverage, there really is not a cookie cutter policy. Coverage needs to be tailored to your specific needs so your insurance needs to address that. For instance, these questions might help in determining whether or not you may require specific advice.

• Why does it cost so much to insure a teen driver?
• What companies insure drivers after a DUI or DWI?
• Can I pay claims out-of-pocket if I buy high deductibles?
• How much liability insurance is required?
• How many claims can I have before being cancelled?
• What is the difference between comprehensive and collision coverage?
• Can I get a multi-policy discount?
• Should I have combined single limit or split liability limits?
• What exactly is covered by my policy?
• Is my vehicle covered by my employer’s policy when using it for work?

If it’s difficult to answer those questions but one or more may apply to you, then you may want to think about talking to a licensed insurance agent. To find an agent in your area, complete your zip code. It only takes a few minutes and can provide invaluable advice.

Insurance policy specifics

Knowing the specifics of your insurance policy can help you determine the right coverages for your vehicles. The terms used in a policy can be confusing and nobody wants to actually read their policy. These are typical coverages found on the average insurance policy.

Collision coverage

This coverage pays to fix your vehicle from damage resulting from colliding with another vehicle or an object, but not an animal. A deductible applies and then insurance will cover the remainder.

Collision coverage pays for claims like sideswiping another vehicle, driving through your garage door and colliding with a tree. Collision is rather expensive coverage, so consider dropping it from vehicles that are older. You can also raise the deductible to bring the cost down.

Liability coverage

Liability insurance can cover injuries or damage you cause to other’s property or people. It protects you against other people’s claims. Liability doesn’t cover your injuries or vehicle damage.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see limits of 50/100/50 that means you have $50,000 bodily injury coverage, $100,000 for the entire accident, and property damage coverage for $50,000. Occasionally you may see one limit called combined single limit (CSL) which combines the three limits into one amount without having the split limit caps.

Liability insurance covers things like medical expenses, structural damage and attorney fees. The amount of liability coverage you purchase is a personal decision, but consider buying higher limits if possible.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other drivers when they either are underinsured or have no liability coverage at all. It can pay for injuries sustained by your vehicle’s occupants and also any damage incurred to your Dodge Journey.

Because many people have only the minimum liability required by law, their limits can quickly be used up. So UM/UIM coverage is very important. Usually your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.

Comprehensive auto coverage

This covers damage OTHER than collision with another vehicle or object. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive insurance covers things like hitting a deer, a tree branch falling on your vehicle, hitting a bird, fire damage and rock chips in glass. The most you’ll receive from a claim is the market value of your vehicle, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Medical payments and PIP coverage

Med pay and PIP coverage kick in for bills like funeral costs, nursing services and rehabilitation expenses. They can be used in conjunction with a health insurance policy or if you do not have health coverage. Coverage applies to all vehicle occupants and will also cover being hit by a car walking across the street. PIP is not universally available but can be used in place of medical payments coverage

The bottom line

Some companies do not provide online price quotes small, regional companies prefer to sell through independent insurance agencies. Budget-conscious 2019 Dodge Journey insurance can be found on the web and from local insurance agents, so you should compare both to have the best chance of lowering rates.

As you go through the steps to switch your coverage, do not buy poor coverage just to save money. Too many times, an accident victim reduced collision coverage to discover at claim time that the savings was not a smart move. The proper strategy is to buy a smart amount of coverage at the best price, but do not sacrifice coverage to save money.