How Much Does 2009 Dodge Journey Insurance Cost?

I can’t think of anyone who looks forward to buying auto insurance, particularly when the cost is too high. Since consumers have many companies to choose from, it is very difficult to choose the lowest price company.

Save on 2009 Dodge Journey insurance

Auto insurance companies don’t necessarily list all their discounts very well, so we took the time to find some of the best known and the more hidden insurance coverage savings. If you don’t get every credit available, you’re paying more than you need to.

  • Employee of Federal Government – Being employed by or retired from a federal job can save as much as 8% for Journey coverage with a few insurance coverage companies.
  • Life Insurance Discount – Select insurance companies reward you with lower rates if you buy life insurance.
  • Discount for Good Grades – Getting good grades can get you a discount of up to 25%. This discount can apply until age 25.
  • Air Bag Discount – Vehicles equipped with air bags or automatic seat belts can receive discounts of up to 25% or more.
  • Driver’s Ed – Require your teen driver to enroll in driver’s education if it’s offered in school.
  • One Accident Forgiven – A handful of insurance companies will forgive one accident before raising your premiums if you are claim-free for a particular time prior to the accident.
  • Early Switch Discount – Some companies give discounts for buying a policy prior to your current policy expiration. It’s a savings of about 10%.
  • Auto/Home Discount – When you have multiple policies with one insurance company you will save up to 20% off your total premium.

Drivers should understand that most discounts do not apply to the entire policy premium. Some only reduce individual premiums such as liability and collision coverage. Even though it may seem like you can get free auto insurance, insurance coverage companies aren’t that generous.

Car insurance companies who might offer these money-saving discounts may include but are not limited to:

It’s a good idea to ask each company which discounts you may be entitled to. Some discounts may not apply in every state.

Tailor your coverage to you

When it comes to buying proper insurance coverage, there is no best way to insure your cars. Everyone’s situation is unique and your policy should reflect that. Here are some questions about coverages that can aid in determining if you would benefit from professional advice.

  • Is upholstery damage covered by car insurance?
  • What vehicles should carry emergency assistance coverage?
  • What happens if I owe more than my 2009 Dodge Journey is worth?
  • Do I have coverage when pulling a U-Haul trailer?
  • How do I buy GAP insurance?
  • If I drive on a suspended license am I covered?
  • Is pleasure use cheaper than using my 2009 Dodge Journey to commute?
  • If my pet gets injured in an accident are they covered?
  • Does my insurance cover damage caused when ticketed for reckless driving?
  • Does having multiple vehicles earn me a discount?

If it’s difficult to answer those questions but a few of them apply, you might consider talking to a licensed agent. To find lower rates from a local agent, complete this form or you can also visit this page to select a carrier It only takes a few minutes and can help protect your family.

Insurance coverages and their meanings

Having a good grasp of a insurance policy helps when choosing appropriate coverage and proper limits and deductibles. Insurance terms can be difficult to understand and reading a policy is terribly boring. Listed below are typical coverage types found on most insurance policies.

Auto liability – Liability coverage provides protection from damages or injuries you inflict on a person or their property. It protects you against other people’s claims, and doesn’t cover damage sustained by your vehicle in an accident.

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

Liability coverage protects against things such as repair bills for other people’s vehicles, medical expenses, emergency aid and bail bonds. The amount of liability coverage you purchase is up to you, but buy as high a limit as you can afford.

Uninsured/Underinsured Motorist (UM/UIM) – This gives you protection from other drivers when they do not carry enough liability coverage. It can pay for hospital bills for your injuries as well as damage to your Dodge Journey.

Since a lot of drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is very important.

Collision coverages – Collision coverage will pay to fix damage to your Journey resulting from a collision with another vehicle or an object, but not an animal. A deductible applies then your collision coverage will kick in.

Collision coverage pays for claims such as hitting a mailbox, backing into a parked car, crashing into a building, sustaining damage from a pot hole and hitting a parking meter. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are 8 years or older. Another option is to increase the deductible to get cheaper collision coverage.

Med pay and Personal Injury Protection (PIP) – Med pay and PIP coverage provide coverage for short-term medical expenses like funeral costs, prosthetic devices, surgery, doctor visits and dental work. They can be used to fill the gap from your health insurance policy or if you do not have health coverage. They cover you and your occupants in addition to if you are hit as a while walking down the street. PIP is not available in all states and may carry a deductible

Comprehensive insurance – This pays to fix your vehicle from damage from a wide range of events other than collision. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive coverage pays for claims like hitting a deer, damage from getting keyed, a tree branch falling on your vehicle, damage from flooding and vandalism. The maximum payout a insurance company will pay at claim time is the market value of your vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.

Buy online or local, you save

We just showed you some good ideas how you can lower your 2009 Dodge Journey insurance rates. The key concept to understand is the more providers you compare, the better chance you’ll have of finding lower rates. You may even discover the lowest priced car insurance comes from a company that doesn’t do a lot of advertising. Some small companies can often insure niche markets at a lower cost as compared to the big name companies such as GEICO and State Farm.

The cheapest insurance can be bought on the web and with local insurance agents, and you should be comparing both to have the best rate selection. Some insurance companies do not offer you the ability to get quotes online and usually these small, regional companies provide coverage only through local independent agents.

More information is located at the links below