2013 Dodge Journey Insurance Cost – 5 Discounts for Cheapest Prices

Feel like you’re a prisoner to an underperforming, overpriced car insurance policy? Trust us when we tell you there are lots of people in the same boat. Insurance companies such as State Farm and Geico all promote huge savings with ads and it is difficult to separate fact from fiction and do the work needed to find the best deal.

It’s a good habit to take a look at other company’s rates at least once a year due to the fact that insurance rates change quite often. Just because you found the lowest rates on Journey coverage a year ago you may be paying too much now. So just ignore everything you know about car insurance because you’re going to learn the fastest and easiest way to save on car insurance.

If you have a policy now or are looking for a new policy, you can use this information to get lower rates and possibly find even better coverage. Buying car insurance is easy if you know what you’re doing. Drivers only need an understanding of the most efficient way to compare rates online.

Insurance Prices Online

Shopping for lower insurance rates can take time and effort if you don’t know the fastest way to get free quotes. You can waste hours talking to agents in your area, or you can stay home and use the web to quickly compare rates.

Many of the larger companies belong to a marketplace where prospective buyers submit their information once, and at least one company can provide price quotes based on that information. This system prevents you from having to do form submissions for every insurance company.

To find out how much you can save on insurance click here (opens in new window).

The one downside to using this type of form is that consumers can’t choose which carriers to get quotes from. If you would rather choose specific insurance companies for rate comparison, we put together a list of companies who write insurance in your area. Click here to view list.

Whichever method you choose, be sure to compare exactly the same coverages with each company. If you are comparing different values for each quote it will be impossible to make a fair comparison for your Dodge Journey.

You probably qualify for some discounts

Insuring your fleet can be pricey, but there could be available discounts that you may not know about. Larger premium reductions will be automatically applied at the time you complete a quote, but a few must be asked for before being credited. If you aren’t receiving every discount possible, you’re just leaving money on the table.

  • Early Switch Discount – Some companies give discounts for signing up prior to your current policy expiration. It’s a savings of about 10%.
  • Senior Citizens – Mature drivers may be able to get a small decrease in premiums on Journey coverage.
  • Memberships – Being a member of a professional or civic organization is a good way to get lower rates on your policy on Journey coverage.
  • Driver’s Ed – Require your teen driver to complete a driver education course in high school.
  • Military Rewards – Being on active duty in the military could mean lower rates.

Keep in mind that many deductions do not apply to the entire policy premium. A few only apply to the cost of specific coverages such as physical damage coverage or medical payments. So when it seems like having all the discounts means you get insurance for free, you won’t be that lucky. But all discounts will bring down your overall premium however.

A partial list of companies that possibly offer some of the above discounts may include but are not limited to:

Before buying, ask all companies you are considering which discounts they offer. Some discounts might not apply in your area.

There’s no such thing as the perfect policy

When it comes to buying the best auto insurance coverage for your vehicles, there is no “best” method to buy coverage. Each situation is unique and a cookie cutter policy won’t apply. These are some specific questions may help you determine if your insurance needs would benefit from professional advice.

  • Does my medical payments coverage pay my health insurance deductible?
  • How can I get my company to pay me more for my totalled car?
  • How much underlying liability do I need for an umbrella policy?
  • Do I need higher collision deductibles?
  • Should I have a commercial auto policy?
  • Who is covered when they drive my 2013 Dodge Journey?

If you’re not sure about those questions but a few of them apply, then you may want to think about talking to an agent. To find an agent in your area, take a second and complete this form or click here for a list of auto insurance companies in your area. It’s fast, doesn’t cost anything and can help protect your family.

Car insurance coverages 101

Having a good grasp of a car insurance policy aids in choosing appropriate coverage at the best deductibles and correct limits. Policy terminology can be difficult to understand and coverage can change by endorsement. Shown next are typical coverage types found on the average car insurance policy.

Comprehensive protection – Comprehensive insurance covers damage caused by mother nature, theft, vandalism and other events. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive insurance covers things like hail damage, a broken windshield, rock chips in glass and falling objects. The maximum amount your car insurance company will pay is the actual cash value, so if it’s not worth much more than your deductible consider dropping full coverage.

Collision coverages – This pays to fix your vehicle from damage resulting from a collision with a stationary object or other vehicle. A deductible applies and then insurance will cover the remainder.

Collision insurance covers things like hitting a parking meter, sustaining damage from a pot hole and crashing into a ditch. Collision is rather expensive coverage, so consider removing coverage from older vehicles. You can also increase the deductible to save money on collision insurance.

Liability insurance – Liability insurance protects you from damage or injury you incur to other’s property or people. 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 100/300/100 that translate to a limit of $100,000 per injured person, $300,000 for the entire accident, and property damage coverage for $100,000. Some companies may use one limit called combined single limit (CSL) that pays claims from the same limit rather than limiting it on a per person basis.

Liability coverage protects against claims like attorney fees, bail bonds and structural damage. How much liability coverage do you need? That is a personal decision, but buy as large an amount as possible.

Medical expense coverage – Med pay and PIP coverage pay for bills like chiropractic care, rehabilitation expenses, pain medications, prosthetic devices and ambulance fees. They are often used to fill the gap from your health insurance program or if there is no health insurance coverage. They cover you and your occupants and will also cover if you are hit as a while walking down the street. Personal Injury Protection is only offered in select states and gives slightly broader coverage than med pay

Uninsured or underinsured coverage – Your UM/UIM coverage provides protection from other motorists when they either are underinsured or have no liability coverage at all. Covered losses include hospital bills for your injuries as well as your vehicle’s damage.

Since many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is very important. Most of the time these limits are identical to your policy’s liability coverage.

A fool and his money are soon parted

We just presented many tips how you can save on 2013 Dodge Journey insurance. The key concept to understand is the more providers you compare, the more likely it is that you will get a better rate. Drivers may discover the lowest priced car insurance comes from an unexpected company. Some small companies may only write in your state and offer lower rates than their larger competitors like Allstate and Progressive.

As you prepare to switch companies, do not skimp on coverage in order to save money. Too many times, someone dropped liability limits or collision coverage and discovered at claim time that their decision to reduce coverage ended up costing them more. The proper strategy is to buy the best coverage you can find at the best price, not the least amount of coverage.

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