2012 Dodge Journey Insurance Quotes – 7 Discounts for Cheaper Rates

Are you a victim of an underperforming, overpriced auto insurance policy? Trust us when we tell you you’re not alone. Companies like Geico, Progressive and Allstate continually bombard you with TV and radio ads and it is difficult to avoid their marketing magic and find the best price available.

Comparison of Insurance

Cutting your insurance rates can be relatively painless. Drivers just need to take time comparing rates online with multiple companies. This can be done using a couple different methods.

1. The first (and easiest) way to find low rates is a comparison rater form like this one (opens in new window). This easy form saves time by eliminating multiple quote forms to each individual insurance company. One form submission gets you coverage quotes from multiple companies.
2. A less efficient way to find lower rates is going to each individual company website and complete a new quote form. For examples sake, let’s say you want comparison quotes from Nationwide, Allstate and State Farm. You would have to go to every website and enter your information, which is why most consumers use the first method.

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

It’s up to you how you get prices quotes, just make sure you use identical coverage limits with every price quote. If you have different liability limits it will be impossible to make a fair comparison for your Dodge Journey.

Your coverage should be tailored to you

When choosing the right insurance coverage, there is no best way to insure your cars. Everyone’s situation is unique so your insurance should reflect that Here are some questions about coverages that might help in determining if you could use an agent’s help.

• Are my tools covered if they get stolen from my vehicle?
• Am I covered if I wreck a rental car?
• Is a fancy paint job covered?
• Can I get a multi-policy discount for packaging my home and auto coverage?
• Do I have newly-aquired coverage?
• Do I pay less if my vehicle is kept in my garage?
• Am I getting all the discounts available?
• What is PIP insurance?

If you’re not sure about those questions but you think they might apply to your situation, then you may want to think about talking to an insurance agent. To find lower rates from a local agent, take a second and complete this form or go to this page to view a list of companies. It is quick, free and may give you better protection.

Car insurance policy specifics

Understanding the coverages of your car insurance policy helps when choosing appropriate coverage at the best deductibles and correct limits. The coverage terms in a policy can be difficult to understand and even agents have difficulty translating policy wording. These are the normal coverages found on the average car insurance policy.

Comprehensive car insurance – Comprehensive insurance pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive coverage protects against claims such as rock chips in glass, damage from flooding, falling objects, hitting a deer and fire damage. The maximum payout your car insurance company will pay is the cash value of the vehicle, so if the vehicle is not worth much consider dropping full coverage.

Collision coverages – Collision insurance covers damage to your Journey resulting from colliding with an object or car. You first must pay a deductible then your collision coverage will kick in.

Collision insurance covers things such as colliding with another moving vehicle, damaging your car on a curb, sustaining damage from a pot hole, crashing into a building and hitting a parking meter. This coverage can be expensive, so analyze the benefit of dropping coverage from older vehicles. You can also choose a higher deductible in order to get cheaper collision rates.

Liability car insurance – Liability coverage protects you from damages or injuries you inflict on other people or property by causing an accident. It protects you against claims from other people. It does not 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. Your policy might show policy limits of 50/100/50 which means $50,000 bodily injury coverage, $100,000 for the entire accident, and a limit of $50,000 paid for damaged property.

Liability coverage protects against things such as emergency aid, repair bills for other people’s vehicles, bail bonds and funeral expenses. The amount of liability coverage you purchase is a decision to put some thought into, but you should buy as much as you can afford.

Coverage for uninsured or underinsured drivers – Uninsured or Underinsured Motorist coverage provides protection from other motorists when they either are underinsured or have no liability coverage at all. This coverage pays for medical payments for you and your occupants as well as your vehicle’s damage.

Because many people carry very low liability coverage limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage is important protection for you and your family.

Coverage for medical expenses – Coverage for medical payments and/or PIP pay for short-term medical expenses for things like prosthetic devices, EMT expenses, dental work and rehabilitation expenses. They can be used to cover expenses not covered by your health insurance plan or if you do not have health coverage. Medical payments and PIP cover you and your occupants and also covers getting struck while a pedestrian. Personal Injury Protection is not available in all states and may carry a deductible