2011 Dodge Journey Insurance Cost

Are you overwhelmed by the wide range of insurance company choices? Many other consumers are too. People have so many options available that it can turn into a real challenge to find the perfect company for you.

Insurance Comparison Rates

There are several ways to compare rate quotes from local insurance companies. The recommended way to compare 2011 Dodge Journey insurance prices consists of obtaining rate quotes online. This can be done in several different ways.

  1. The easiest and least time consuming way consumers can analyze rates is an all-inclusive rate comparison (click to open form in new window). This method eliminates the need for separate quotes to each individual insurance company. A single, simple form will get you rate comparisons from insurance companies with the best prices. This is by far the quickest method.
  2. A more difficult way to get quotes online is to take the time to go to each company’s website to complete their respective quote request forms. For instance, let’s assume you want comparison quotes from Nationwide, Liberty Mutual and Progressive. To get rate quotes you would need to go to every website to input your insurance information, which is why the first method is more popular.

    For a handy list of car insurance company links in your area, click here.

  3. The hardest way to get comparison rates is to drive around to local insurance agencies. The ability to buy insurance online makes this process obsolete unless you prefer the professional advice that only a license agent can provide. It is possible to comparison shop online and get advice from an agent in your area and we’ll talk about that later.

It’s your choice how you get your quotes, but make absolute certain that you use exactly the same information for each comparison quote. If you are comparing mixed coverages you will not be able to make a fair comparison for your Dodge Journey. Just a small difference in coverage limits may result in a large different in cost. And when price shopping your coverage, getting more free quotes will improve the odds of getting lower pricing.

Discounts to lower Dodge Journey insurance rates

Companies that sell car insurance don’t list all available discounts in a way that’s easy to find, so we took the time to find both well-publicized and the more hidden savings tricks you should be using.

  • Good Students Pay Less – Getting good grades can get you a discount of up to 25%. The good student discount can last up to age 25.
  • Drivers Education – Make teen driver coverage more affordable by requiring them to successfully complete driver’s ed class in school.
  • Seat Belt Usage – Buckling up and requiring all passengers to use their safety belts can save 10% or more on the medical payments or PIP coverage costs.
  • Bundle and Save – If you have multiple policies with the same company you may save approximately 10% to 15%.
  • Multiple Cars – Buying insurance for all your vehicles on the same auto insurance policy may reduce the rate for each vehicle.
  • Senior Discount – If you’re over the age of 55, you may receive a discount up to 10% on Journey insurance.
  • Clubs and Organizations – Being a member of a civic or occupational organization may earn a discount when shopping for auto insurance on Journey insurance.
  • Discount for New Cars – Insuring a new car can save up to 30% because new vehicles have to meet stringent safety requirements.
  • Paperless Signup – A few companies may give you up to $50 for buying a policy and signing up over the internet.
  • Employee of Federal Government – Employees or retirees of the government could cut as much as 10% off on Journey insurance with select insurance companies.

As a disclaimer on discounts, most discounts do not apply the the whole policy. The majority will only reduce the cost of specific coverages such as comprehensive or collision. So when the math indicates you would end up receiving a 100% discount, you won’t be that lucky.

For a list of insurance companies with discount auto insurance rates, click this link.

Tailor your coverage to you

When it comes to buying the best insurance coverage, there really is not a one size fits all plan. Every situation is different.

Here are some questions about coverages that might help in determining if you might need an agent’s assistance.

  • Do I need PIP coverage since I have good health insurance?
  • Do I need higher collision deductibles?
  • What is the rate difference between pleasure use and commuting?
  • What is an SR-22 filing?
  • Should I waive the damage coverage when renting a car?
  • Am I covered if I wreck a rental car?
  • Should I buy only the required minimum liability coverage?
  • Can I still get insurance after a DUI?

If you’re not sure about those questions but a few of them apply, you might consider talking to a licensed agent. To find an agent in your area, fill out this quick form.

Dodge Journey insurance rates can be determined by these details

Consumers need to have an understanding of some of the elements that go into determining auto insurance rates. Having a good understanding of what determines base rates helps enable you to make changes that may reward you with big savings.

  • A lapse in coverage is a bad thing – Driving your car without having proper coverage is illegal and you will pay a penalty because you let your coverage lapse. And not only will insurance be more expensive, but not being able to provide proof of insurance may earn you a revoked license or a big fine.
  • Protect your assets with liability insurance – Your policy’s liability coverage will protect you when a jury decides you are liable for personal injury or accident damage. It will provide legal defense coverage which can be incredibly expensive. Liability insurance is quite affordable as compared to coverage for physical damage, so do not cut corners here.
  • Frequent auto insurance claims increase rates – Companies award cheaper rates to policyholders who do not file claims often. If you frequently file small claims, you can look forward to either policy cancellation or increased premiums. Your insurance policy is designed for the large, substantial claims.
  • Men are more aggressive – Statistics have proven that men are more aggressive behind the wheel. However, this does not mean men are WORSE drivers than women. Men and women have accidents in similar percentages, but the males have costlier accidents. They also get more serious tickets such as DWI and reckless driving. Young males are most likely to cause an accident and thus pay the highest rates.
  • Drive less and save money – The higher the mileage driven in a year’s time the more you will pay for auto insurance. The majority of insurers apply a rate based upon how you use the vehicle. Cars used primarily for pleasure use qualify for better rates than those used for commuting. Improper usage on your Journey may be costing you. Double check that your auto insurance declarations sheet is showing the correct usage for each vehicle.

Coverages available on your insurance policy

Having a good grasp of insurance can be of help when determining the right coverages at the best deductibles and correct limits. The terms used in a policy can be confusing and reading a policy is terribly boring.

Uninsured/Underinsured Motorist (UM/UIM)

This coverage protects you and your vehicle when other motorists are uninsured or don’t have enough coverage. It can pay for medical payments for you and your occupants and damage to your Dodge Journey.

Because many people have only the minimum liability required by law, their liability coverage can quickly be exhausted. So UM/UIM coverage is important protection for you and your family.

Collision coverage protection

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 protects against claims like damaging your car on a curb, sustaining damage from a pot hole, colliding with another moving vehicle and crashing into a ditch. Paying for collision coverage can be pricey, so consider dropping it from lower value vehicles. Drivers also have the option to raise the deductible to bring the cost down.

Comprehensive insurance

This coverage covers damage from a wide range of events other than collision. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against claims such as hitting a deer, fire damage, a broken windshield, damage from flooding and theft. The maximum payout your insurance company will pay is the actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.

Liability insurance

Liability coverage protects you from injuries or damage you cause to a person or their property by causing an accident. This coverage protects you against other people’s claims, and doesn’t cover damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. You commonly see policy limits of 50/100/50 that means you have $50,000 in coverage for each person’s injuries, $100,000 for the entire accident, and a limit of $50,000 paid for damaged property.

Liability can pay for claims such as bail bonds, emergency aid and structural damage. How much liability should you purchase? That is a decision to put some thought into, but consider buying as high a limit as you can afford.

Med pay and Personal Injury Protection (PIP)

Medical payments and Personal Injury Protection insurance provide coverage for expenses such as pain medications, rehabilitation expenses and ambulance fees. They are utilized in addition to your health insurance policy or if you lack health insurance entirely. It covers both the driver and occupants and also covers any family member struck as a pedestrian. PIP is not an option in every state but it provides additional coverages not offered by medical payments coverage

In any little way, save everyday

We just covered a lot of ways to save on 2011 Dodge Journey insurance. It’s most important to understand that the more rate quotes you have, the better chance you’ll have of finding lower rates. Consumers could even find that the lowest rates come from the smaller companies.

When trying to cut insurance costs, never skimp on critical coverages to save a buck or two. In many cases, an insured cut liability coverage limits only to find out that the savings was not a smart move. Your aim should be to find the BEST coverage at a price you can afford while not skimping on critical coverages.

The cheapest insurance is attainable on the web and with local insurance agents, and you should be comparing both so you have a total pricing picture. Some insurance companies do not offer you the ability to get quotes online and these small insurance companies work with independent agents.

Additional insurance information can be read at these links: