Looking for the cheapest insurance coverage rates for your Dodge Journey? Sick and tired of trying to scrape together enough money to insure your Dodge every month? You are in the same boat as many other drivers.
Drivers have so many insurers to pick from, and though it is a good thing to have a selection, having more insurance companies makes it harder to find a good deal.
The purpose of this article is to let you in on how to get online quotes. If you are paying for car insurance now, you stand a good chance to be able to save some money using these tips. But consumers need to have an understanding of how companies price online insurance and apply this information to your search.
To find the best auto insurance prices, there are several ways of comparing rate quotes and find the best price. The easiest way to find competitive 2010 Dodge Journey insurance rates consists of obtaining rate quotes online. This can be accomplished in a couple of different ways.
It’s up to you how you get prices quotes, just ensure you are comparing the exact same coverage limits and deductibles on every quote you get. If each company quotes higher or lower deductibles it’s not possible to determine which rate is truly the best. Slightly different insurance coverages can result in a big premium difference. And when quoting auto insurance, remember that more quotes will increase your chances of finding a better price.
Insurance can cost an arm and a leg, but companies offer discounts to help offset the cost. Larger premium reductions will be automatically applied at the time of purchase, but lesser-known reductions have to be specifically requested in order for you to get them.
As a disclaimer on discounts, some of the credits will not apply to the entire cost. Some only reduce individual premiums such as comp or med pay. So even though they make it sound like you would end up receiving a 100% discount, car insurance companies aren’t that generous. But any discount will cut the amount you have to pay.
For a list of insurance companies with the best car insurance discounts, click here.
When it comes to buying the right insurance coverage, there really is no perfect coverage plan. Each situation is unique and a cookie cutter policy won’t apply. Here are some questions about coverages that may help you determine whether or not you will benefit from professional help.
If you can’t answer these questions but you know they apply to you then you might want to talk to a licensed insurance agent. To find lower rates from a local agent, take a second and complete this form or you can go here for a list of companies in your area.
Having a good grasp of a car insurance policy helps when choosing the best coverages and proper limits and deductibles. Policy terminology can be ambiguous and reading a policy is terribly boring. Below you’ll find typical coverage types offered by car insurance companies.
This coverage covers damage to your Journey from colliding with an object or car. A deductible applies then your collision coverage will kick in.
Collision coverage protects against things like scraping a guard rail, damaging your car on a curb, driving through your garage door, hitting a mailbox and hitting a parking meter. Collision is rather expensive coverage, so consider removing coverage from older vehicles. Drivers also have the option to increase the deductible to save money on collision insurance.
Your UM/UIM coverage protects you and your vehicle’s occupants when other motorists are uninsured or don’t have enough coverage. This coverage pays for medical payments for you and your occupants and damage to your Dodge Journey.
Due to the fact that many drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage is important protection for you and your family. Most of the time the UM/UIM limits are similar to your liability insurance amounts.
Liability insurance protects you from damage or injury you incur to other people or property by causing an accident. This coverage protects you against claims from other people, and does not provide coverage for your injuries or vehicle damage.
Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see limits of 100/300/100 that means you have a $100,000 limit per person for injuries, $300,000 for the entire accident, and property damage coverage for $100,000. Occasionally you may see one limit called combined single limit (CSL) that pays claims from the same limit with no separate limits for injury or property damage.
Liability coverage protects against claims like court costs, medical services, pain and suffering, medical expenses and repair bills for other people’s vehicles. How much liability should you purchase? That is your choice, but buy higher limits if possible.
Comprehensive or Other Than Collision
Comprehensive insurance pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.
Comprehensive can pay for things like damage from a tornado or hurricane, damage from getting keyed, hitting a bird, hail damage and falling objects. The maximum amount you’ll receive from a claim is the market value of your vehicle, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.
Medical costs insurance
Coverage for medical payments and/or PIP provide coverage for expenses like nursing services, dental work and surgery. They can be used to cover expenses not covered by your health insurance plan or if there is no health insurance coverage. They cover not only the driver but also the vehicle occupants in addition to getting struck while a pedestrian. PIP is not an option in every state and may carry a deductible