Lower Your 2011 Dodge Journey Insurance Quotes

Searching for cheaper car insurance rates for your Dodge Journey? Nobody I know cherishes buying car insurance, in particular when they are paying too much.

Having so many different company options, it can be impossible to find the cheapest insurer.

Consumers need to price shop coverage every six months since rates are rarely the same from one policy term to another. Even if you think you had the best rates for Journey coverage a couple years back you will most likely find a better rate today. You’ll find quite a bit of inaccurate information about car insurance on the internet, so we’re going to give you the easiest ways to slash your car insurance rates.

How to Compare Car Insurance Costs

There are multiple methods to compare 2011 Dodge Journey car insurance prices but one way is less labor-intensive and much quicker. You can waste a lot of time driving to insurance companies in your area, or you can stay home and use online quoting to get the quickest rates.

Most of the larger companies take part in a program that enables customers to submit one quote, and each company returns a competitive quote based on the submitted data. This prevents consumers from doing quote forms for each company you want a rate for. To participate in this free quote system, click here to open in new window.

The one downside to doing it this way is you are unable to specify which companies you want pricing from. So if you prefer to choose specific insurance companies to compare, we have a listing of car insurance companies in your area. View list of insurance companies.

Whichever way you use, double check that you are using identical coverage information for each comparison quote. If the quotes have different liability limits you can’t possibly determine the best price for your Dodge Journey. Slightly different coverage limits may result in a large different in cost. Just keep in mind that getting more free quotes helps locate the best price.

Is there truth in advertising?

Companies like Progressive, Geico, Allstate and State Farm regularly use television and radio advertisements. All the ads make the same claim that you can save if you move your coverage to them. But how can every company claim to save you money?

Insurance companies have a certain “appetite” for the type of driver that makes them money. For example, a preferred risk could be over the age of 40, has no driving citations, and has excellent credit. Any new insured who fits that profile receives the best rates and therefore will save when switching.

Drivers who don’t qualify for the “perfect” profile will be quoted higher prices and ends up with the driver buying from a lower-cost company. The ad wording is “customers who switch” not “everyone that quotes” save money. That’s the way insurance companies can advertise the way they do.

This emphasizes why drivers must get as many quotes as possible. It’s just too difficult to predict which company will have the lowest Dodge Journey insurance rates.

Lower rates by qualifying for discounts

Car insurance can cost a lot, but discounts can save money and there are some available to reduce the price significantly. Larger premium reductions will be automatically applied when you purchase, but a few must be specially asked for in order for you to get them.

  • Early Switch Discount – A few companies offer discounts for signing up before your current policy expires. It’s a savings of about 10%.
  • Braking Control Discount – Vehicles equipped with ABS or steering control can avoid accidents and will save you 10% or more.
  • Accident Waiver – Some insurance companies permit an accident without raising rates as long as you don’t have any claims for a set time period.
  • Military Discounts – Being on active duty in the military may qualify for rate reductions.
  • Discount for New Cars – Adding a new car to your policy can cost up to 25% less compared to insuring an older model.
  • Defensive Driving Course – Completing a course teaching defensive driving skills could cut 5% off your bill and easily recoup the cost of the course.

Consumers should know that many deductions do not apply to your bottom line cost. Some only reduce the price of certain insurance coverages like liability and collision coverage. So even though they make it sound like having all the discounts means you get insurance for free, you’re out of luck. But all discounts will help reduce the cost of coverage.

Companies that may offer some of the above discounts are:

Check with each insurance company what discounts are available to you. Savings might not apply in every state.

Car insurance is unique, just like you

When buying adequate coverage, there really is not a “best” method to buy coverage. Everyone’s situation is a little different so this has to be addressed. Here are some questions about coverages that may help you determine whether you might need an agent’s assistance.

  • Can I still get insurance after a DUI?
  • How can I find cheaper teen driver insurance?
  • What can I do if my company denied a claim?
  • Exactly who is provided coverage by my policy?
  • Should I buy only the required minimum liability coverage?
  • Do I need PIP (personal injury protection) coverage in my state?

If you don’t know the answers to these questions, then you may want to think about talking to a licensed agent. To find an agent in your area, fill out this quick form or you can also visit this page to select a carrier

Insurance coverage basics

Understanding the coverages of a insurance policy aids in choosing appropriate coverage for your vehicles. Insurance terms can be confusing and nobody wants to actually read their policy. Shown next are the normal coverages found on most insurance policies.

Auto liability – This coverage protects you from damage or injury you incur to a person or their property that is your fault. It protects YOU against claims from other people, and does not provide coverage for damage sustained by your vehicle in an accident.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show values of 100/300/100 which means a $100,000 limit per person for injuries, $300,000 for the entire accident, and $100,000 of coverage for damaged propery. Some companies may use 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 pays for claims like bail bonds, court costs and structural damage. How much liability coverage do you need? That is up to you, but you should buy higher limits if possible.

Collision coverages – This coverage covers damage to your Journey resulting from a collision with an object or car. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for things like colliding with a tree, sustaining damage from a pot hole and hitting a parking meter. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are older. Another option is to choose a higher deductible to get cheaper collision coverage.

Uninsured Motorist or Underinsured Motorist insurance – This coverage protects you and your vehicle’s occupants when other motorists either have no liability insurance or not enough. This coverage pays for hospital bills for your injuries and also any damage incurred to your Dodge Journey.

Since many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage should not be overlooked. Normally the UM/UIM limits do not exceed the liability coverage limits.

Insurance for medical payments – Coverage for medical payments and/or PIP pay for bills such as doctor visits, EMT expenses and ambulance fees. They are often utilized in addition to your health insurance policy or if you lack health insurance entirely. It covers not only the driver but also the vehicle occupants as well as getting struck while a pedestrian. Personal Injury Protection is only offered in select states and gives slightly broader coverage than med pay

Comprehensive coverage (or Other than Collision) – This coverage pays to fix your vehicle from damage that is not covered by collision coverage. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive coverage protects against things like damage from a tornado or hurricane, hail damage, hitting a deer and theft. The most you’ll receive from a claim is the cash value of the vehicle, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Saving money is sweet as honey

When shopping online for car insurance, never skimp on critical coverages to save a buck or two. There have been many situations where an accident victim reduced physical damage coverage and found out when filing a claim that it was a big error on their part. The proper strategy is to buy the best coverage you can find at the best price while not skimping on critical coverages.

Affordable 2011 Dodge Journey insurance can be purchased both online in addition to many insurance agents, and you need to price shop both in order to have the best chance of saving money. Some car insurance companies do not provide you the ability to get quotes online and most of the time these regional insurance providers sell through independent agents.

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