Cheaper 2015 Dodge Journey Insurance Rates

Are you sick and tired of not being able to afford to pay your car insurance bill each month? You are in the same boat as many other consumers. Since consumers have many insurance providers from which to choose, it’s nearly impossible to locate the right car insurance company.

This article will let you in on how to effectively get price quotes and some tricks to saving. If you currently have car insurance, you will most likely be able to save some money using this information. Vehicle owners just need to learn how to compare company rates over the internet.

Do you qualify for a discount?

The price of auto insurance can be rather high, buy you may qualify for discounts to cut the cost considerably. Certain discounts will be applied when you complete an application, but some must be asked about before they will apply. If you’re not getting every credit available, you are throwing money away.

  • Memberships – Being a member of a civic or occupational organization could trigger savings when buying insurance on Journey insurance.
  • Military Rewards – Having a family member in the military may qualify for rate reductions.
  • Theft Prevention Discount – Vehicles with anti-theft systems can help prevent theft and therefore earn up to a 10% discount.
  • No Charge for an Accident – A handful of insurance companies allow you one accident before hitting you with a surcharge as long as you don’t have any claims for a set time period.
  • Save with a New Car – Putting insurance coverage on a new car can be considerably cheaper because new vehicles have to meet stringent safety requirements.
  • Senior Discount – Older drivers may be able to get a discount up to 10% on Journey insurance.

It’s important to understand that most discount credits are not given to all coverage premiums. Most cut individual premiums such as comprehensive or collision. So despite the fact that it appears having all the discounts means you get insurance for free, you won’t be that lucky. But any discount will cut the cost of coverage.

For a list of providers offering insurance discounts, click here.

The method we recommend to compare car insurance rates is to know the fact most of the larger companies participate in online systems to give you rate quotes. To start a quote, the only thing you need to do is take a few minutes to give details including whether you drive to work or school, how much you drive, the ages of drivers, and if you have an active license. The data gets transmitted to all major companies and you will receive price estimates almost instantly.

To compare rates for a now, click here and complete the quick form.

What coverages do I need?

When it comes to choosing coverage, there is no single plan that fits everyone. Everyone’s situation is unique so your insurance needs to address that. For instance, these questions can help discover if your situation would benefit from professional advice.

  • Will filing a claim cost me more?
  • Do I really need UM/UIM coverage?
  • Should I bundle my homeowners policy with my auto?
  • Are my friends covered when driving my 2015 Dodge Journey?
  • Why does it cost so much to insure a teen driver?
  • Where can I find DUI or SR-22 insurance?
  • What can I do if my company denied a claim?
  • Am I covered when delivering products for my home-based business?

If you can’t answer these questions, then you may want to think about talking to an agent. To find lower rates from a local agent, take a second and complete this form or click here for a list of insurance companies in your area. It’s fast, doesn’t cost anything and may give you better protection.

Auto insurance coverage information

Having a good grasp of a auto insurance policy aids in choosing the best coverages and the correct deductibles and limits. The coverage terms in a policy can be impossible to understand and coverage can change by endorsement. These are typical coverage types available from auto insurance companies.

Medical payments coverage and PIP – Coverage for medical payments and/or PIP provide coverage for short-term medical expenses for rehabilitation expenses, hospital visits and X-ray expenses. They are often used to fill the gap from your health insurance policy or if you lack health insurance entirely. Coverage applies to all vehicle occupants and also covers getting struck while a pedestrian. PIP is not available in all states and gives slightly broader coverage than med pay

Comprehensive coverage – Comprehensive insurance coverage covers damage that is not covered by collision coverage. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for claims such as a tree branch falling on your vehicle, falling objects, hitting a bird and fire damage. The highest amount you’ll receive from a claim is the ACV or actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.

Auto liability insurance – This provides protection from damage or injury you incur to a person or their property in an accident. This coverage protects you against claims from other people. Liability doesn’t cover damage sustained by your vehicle in an accident.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have liability limits of 25/50/25 that means you have a limit of $25,000 per injured person, a limit of $50,000 in injury protection per accident, and a total limit of $25,000 for damage to vehicles and property. Occasionally you may see a combined single limit or CSL that pays claims from the same limit with no separate limits for injury or property damage.

Liability coverage protects against claims like pain and suffering, court costs and structural damage. How much liability should you purchase? That is up to you, but it’s cheap coverage so purchase as large an amount as possible.

Uninsured/Underinsured Motorist coverage – This coverage protects you and your vehicle’s occupants from other motorists when they either have no liability insurance or not enough. Covered claims include injuries sustained by your vehicle’s occupants and also any damage incurred to your Dodge Journey.

Since many drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is a good idea. Normally the UM/UIM limits do not exceed the liability coverage limits.

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

Collision can pay for claims like scraping a guard rail, sustaining damage from a pot hole, sideswiping another vehicle and crashing into a building. Paying for collision coverage can be pricey, so consider dropping it from older vehicles. It’s also possible to raise the deductible to bring the cost down.

The bottom line

Budget-conscious 2015 Dodge Journey insurance can be sourced both online as well as from independent agents, and you should compare price quotes from both to have the best chance of lowering rates. There are still a few companies who don’t offer online quoting and many times these small insurance companies only sell through independent insurance agents.

We just presented a lot of tips how to get a better price on insurance. It’s most important to understand that the more companies you get rates for, the more likely it is that you will get a better rate. Consumers could even find that the most savings is with a small mutual company. These companies may cover specific market segments cheaper than their larger competitors like State Farm or Progressive.

While you’re price shopping online, never reduce needed coverages to save money. In many cases, consumers will sacrifice collision coverage to discover at claim time that the few dollars in savings costed them thousands. The aim is to find the BEST coverage at the best price while not skimping on critical coverages.

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