Lower Your 2009 Dodge Journey Car Insurance Cost

Searching for low-cost insurance for your Dodge Journey can turn out to be difficult, but you can follow the following methods and make it easy. There is a right way and a wrong way to shop for insurance so we’re going to tell you the quickest way to compare rates on a Dodge and find the lowest possible price.

If you have a current insurance policy or are just looking to switch companies, you can use these techniques to shop for the lowest rates while maximizing coverage. Buying more affordable coverage can be fairly easy. Drivers just need to learn the most effective way to get comparison quotes online.

Policy discounts you shouldn’t miss

Companies don’t always advertise every available discount in a way that’s easy to find, so the following is a list of both well-publicized and the harder-to-find savings tricks you should be using. If you aren’t receiving every discount you qualify for, you’re just leaving money on the table.

  • Clubs and Organizations – Belonging to a qualifying organization is a good way to get lower rates when shopping for insurance coverage for Journey insurance.
  • Employee of Federal Government – Employees or retirees of the government can save as much as 8% for Journey insurance with certain companies.
  • E-sign – Certain companies will discount your bill up to fifty bucks just for signing your application on their website.
  • Senior Discount – If you’re over the age of 55, you can possibly qualify for reduced rates for Journey insurance.
  • Seat Belts Save – Buckling up and requiring all passengers to use a seat belt could save 15% off your PIP or medical payments premium.
  • Fewer Miles Equal More Savings – Driving fewer miles could qualify for lower rates on the low mileage vehicles.
  • Military Discounts – Having a family member in the military could be rewarded with lower premiums.
  • Anti-lock Brake Discount – Vehicles with anti-lock braking systems are safer to drive and qualify for as much as a 10% discount.

Keep in mind that some credits don’t apply to the overall cost of the policy. The majority will only reduce the price of certain insurance coverages like medical payments or collision. Just because you may think adding up those discounts means a free policy, it doesn’t quite work that way.

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

Check with all companies you are considering which discounts you may be entitled to. Savings might not apply everywhere.

Quick Insurance Quotes

Finding a lower price on 2009 Dodge Journey insurance is a fairly straight forward process. The only thing you need to do is invest a few minutes comparing rate quotes online from several insurance companies. This is very easy and can be done using a couple different methods.

The first (and easiest) way to get the best comparison quotes is an all-inclusive rate comparison like this one (opens in new window). This type of form eliminates the need for multiple quote forms to each individual insurance company. Completing one form will get you rate comparisons from all major companies. It’s the fastest way to compare.

A more difficult way to compare rate quotes requires visiting each individual company website and fill out their own quote form. For example, we’ll pretend you want comparison quotes from State Farm, Geico and Allstate. To get rate quotes you would need to go to every website to enter your coverage information, which is why the first method is quicker.

For a list of links to insurance companies in your area, click here.

It’s your choice how you get your quotes, but ensure you are comparing identical information on every quote you get. If your comparisons have unequal deductibles or liability limits it’s not possible to determine which rate is truly the best.

Dodge Journey insurance rates consist of many parts

Smart consumers have a good feel for the rating factors that help determine the rates you pay for insurance. Knowing what determines base rates empowers consumers to make smart changes that will entitle you to big savings.

  • Do you know your deductibles? – Insurance for physical damage to your car, otherwise known as comp (or other than collision) and collision, protects your Dodge from damage. Some examples of claims that would be covered are a windshield shattered by a rock, vandalism, and rolling your vehicle. Your deductibles are the amount of money you are required to spend out-of-pocket before your insurance pays a claim. The more money the insured has to pay upfront, the less your insurance will be for Journey insurance.
  • Never go without insurance – Driving your car without having proper coverage is a misdemeanor and your next policy will cost more because you let your insurance expire. And not only will insurance be more expensive, failure to provide proof of insurance may earn you a hefty fine and possibly a revoked license.
  • Liability coverage protects you – Liability insurance will protect you when a jury decides you are liable for causing damage or personal injury in an accident. Liability insurance provides you with a defense in court starting from day one. Liability insurance is quite affordable compared to physical damage coverage, so drivers should carry high limits.
  • Men fork out a little more – Statistics have proven that men are more aggressive behind the wheel. However, don’t assume that women are better drivers. Women and men are in accidents in similar numbers, but the male of the species cause more damage and cost insurance companies more money. Men also tend to get cited for more serious violations like DUI and reckless driving.
  • Traffic violations increase rates – Drivers who don’t get tickets have lower premiums than people who have multiple driving citations. Even one speeding ticket can bump up the cost by as much as thirty percent. Drivers who have severe citations such as DUI or reckless driving may need to submit a SR-22 form to the state department of motor vehicles in order to drive a vehicle legally.

Insurance agents can help

When it comes to buying the right insurance coverage for your personal vehicles, there really is no perfect coverage plan. Everyone’s situation is unique.

For example, these questions could help you determine whether you might need an agent’s assistance.

  • Will I be non-renewed for getting a DUI or other conviction?
  • Is my 2009 Dodge Journey covered for flood damage?
  • Is pleasure use cheaper than using my 2009 Dodge Journey to commute?
  • Which is better, split liability limits or combined limits?
  • Will my vehicle be repaired with OEM or aftermarket parts?
  • Is motorclub coverage worth it?

If you don’t know the answers to these questions then you might want to talk to an agent. If you don’t have a local agent, take a second and complete this form. It’s fast, free and you can get the answers you need.

What insurance coverages do you need?

Learning about specific coverages of your insurance policy can be of help when determining the best coverages at the best deductibles and correct limits. The coverage terms in a policy can be difficult to understand and coverage can change by endorsement.

Collision coverage – Collision coverage pays for damage to your Journey from colliding with another car or object. You have to pay a deductible then your collision coverage will kick in.

Collision coverage pays for claims such as crashing into a ditch, rolling your car, backing into a parked car and damaging your car on a curb. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are older. Another option is to raise the deductible to get cheaper collision coverage.

Liability – This provides protection from injuries or damage you cause to a person or their property that is your fault. This coverage protects you from claims by other people, and does not provide coverage for your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see liability limits of 25/50/25 which means a $25,000 limit per person for injuries, a limit of $50,000 in injury protection per accident, and a total limit of $25,000 for damage to vehicles and property.

Liability coverage pays for claims such as pain and suffering, funeral expenses and emergency aid. How much liability should you purchase? That is your choice, but buy higher limits if possible.

Med pay and Personal Injury Protection (PIP) – Personal Injury Protection (PIP) and medical payments coverage provide coverage for immediate expenses for things like nursing services, X-ray expenses, doctor visits, surgery and prosthetic devices. They are used to fill the gap from your health insurance program or if there is no health insurance coverage. Medical payments and PIP cover both the driver and occupants as well as being hit by a car walking across the street. PIP is not universally available but it provides additional coverages not offered by medical payments coverage

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

Comprehensive coverage pays for claims like theft, a broken windshield, falling objects and vandalism. The highest amount you’ll receive from a claim is the market value of your vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.

Uninsured/Underinsured Motorist (UM/UIM) – Your UM/UIM coverage protects you and your vehicle when the “other guys” are uninsured or don’t have enough coverage. It can pay for injuries to you and your family and damage to your Dodge Journey.

Because many people have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.

Buy online or local, you save

While you’re price shopping online, do not reduce needed coverages to save money. There have been many cases where an insured cut collision coverage and learned later that it was a big error on their part. Your strategy should be to buy a smart amount of coverage at an affordable rate while still protecting your assets.

Cheaper 2009 Dodge Journey insurance can be purchased online in addition to many insurance agents, and you should be comparing both in order to have the best price selection to choose from. A few companies do not provide the ability to get a quote online and these small, regional companies work with independent agents.

People switch companies for any number of reasons including policy non-renewal, lack of trust in their agent, questionable increases in premium or policy cancellation. Regardless of your reason for switching companies, finding a new auto insurance company is pretty simple and you could end up saving a buck or two.

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