2013 Dodge Journey Insurance Rates – 9 Tips to Save

Shoppers have lots of choices when shopping for the lowest priced Dodge Journey insurance. You can either waste hours driving around to compare prices or save time using the internet to make rate comparisons. There are more efficient ways to shop for insurance coverage and we’ll show you the absolute fastest way to quote coverages for a new or used Dodge and locate the cheapest rates from both online companies and local agents.

Consumers should take time to check insurance coverage prices every six months since insurance rates are adjusted regularly by insurance companies. If you had the best price for Journey coverage last year the chances are good that you can find a lower rate today. Starting now, block out anything you think you know about insurance coverage because you’re going to get a crash course in the right way to lower your annual insurance bill.

Don’t overlook these nine discounts

Companies do not advertise all their discounts very clearly, so we break down some of the best known and also the lesser-known discounts you could be receiving. If you’re not getting every credit possible, you’re paying more than you need to.

  • Safe Driver Discount – Insureds without accidents may receive a discount up to 45% less for Journey coverage than less cautious drivers.
  • Theft Prevention System – Vehicles with anti-theft systems can help prevent theft and therefore earn up to a 10% discount.
  • One Accident Forgiven – Some 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.
  • Homeowners Discount – Being a homeowner may earn you a small savings due to the fact that maintaining a home requires personal responsibility.
  • Pay Upfront and Save – If you pay your bill all at once instead of making monthly payments you could save 5% or more.
  • Braking Control Discount – Vehicles equipped with ABS or steering control are safer to drive and will save you 10% or more.
  • 55 and Retired – Older drivers may receive better insurance coverage rates for Journey coverage.
  • Early Signing – Select companies give a discount for signing up prior to your current policy expiration. This can save 10% or more.
  • No Accidents – Drivers who don’t have accidents pay less as compared to accident-prone drivers.

As a disclaimer on discounts, most discounts do not apply to the entire policy premium. The majority will only reduce the price of certain insurance coverages like physical damage coverage or medical payments. Just because you may think all those discounts means the company will pay you, companies don’t profit that way.

To see a list of companies offering insurance coverage discounts, click here to view.

The insurance coverage bait and switch

Consumers get pounded daily by advertisements for car insurance savings by 21st Century, Allstate and State Farm. All the companies say the same thing about savings if you change to their company.

How can each company make almost identical claims?

Different companies have a certain “appetite” for the driver that makes them money. For example, a driver they prefer could possibly be between 30 and 50, has no tickets, and chooses high deductibles. Any driver who matches those parameters gets the lowest rates and is almost guaranteed to save quite a bit of money when switching.

Consumers who are not a match for this ideal profile will have to pay a higher premium which usually ends up with the customer not buying. The ads say “customers who switch” but not “drivers who get quotes” save that much. That is how companies can make those claims. Because of the profiling, it is so important to quote coverage with many companies. It’s impossible to know which insurance companies will have the lowest Dodge Journey insurance rates.

Is my situation unique?

When it comes to buying the best insurance coverage for your personal vehicles, there is no “perfect” insurance plan. Everyone’s situation is a little different.

For example, these questions could help you determine whether your personal situation might need professional guidance.

  • How many claims can I have before being cancelled?
  • What is high-risk coverage and where do I buy it?
  • Can my teen drive my company car?
  • Where can I find high-risk insurance?
  • When should I buy a commercial auto policy?
  • Is my ex-spouse still covered by my policy?

If you’re not sure about those questions but one or more may apply to you, then you may want to think about talking to an insurance agent. If you want to speak to an agent in your area, fill out this quick form. It is quick, free and may give you better protection.

Auto insurance coverages

Knowing the specifics of insurance helps when choosing appropriate coverage for your vehicles. Policy terminology can be impossible to understand and nobody wants to actually read their policy.

Medical payments coverage and PIP

Personal Injury Protection (PIP) and medical payments coverage kick in for expenses like doctor visits, ambulance fees, EMT expenses, dental work and funeral costs. The coverages can be utilized in addition to your health insurance plan or if you do not have health coverage. They cover you and your occupants in addition to being hit by a car walking across the street. PIP coverage is not an option in every state but can be used in place of medical payments coverage

Auto liability insurance

Liability insurance will cover injuries or damage you cause to other’s property or people. It protects YOU from legal claims by others, and does not provide coverage for 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 limits of 50/100/50 that means you have a $50,000 limit per person for injuries, a total of $100,000 of bodily injury coverage per accident, and property damage coverage for $50,000.

Liability coverage protects against claims such as medical services, bail bonds, court costs, legal defense fees and attorney fees. How much liability coverage do you need? That is up to you, but buy higher limits if possible.

Comprehensive coverage

This will pay to fix damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers things like damage from flooding, theft, fire damage, damage from getting keyed and rock chips in glass. The maximum payout you’ll receive from a claim is the ACV or actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Coverage for collisions

This pays for damage to your Journey resulting from a collision with another car or object. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for things like rolling your car, crashing into a ditch, backing into a parked car and crashing into a building. Collision is rather expensive coverage, so you might think about dropping it from older vehicles. It’s also possible to choose a higher deductible to get cheaper collision coverage.

Uninsured/Underinsured Motorist coverage

Uninsured or Underinsured Motorist coverage gives you protection when the “other guys” are uninsured or don’t have enough coverage. Covered claims include medical payments for you and your occupants and damage to your Dodge Journey.

Because many people only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is important protection for you and your family.

In any little way, save everyday

When shopping online for auto insurance, don’t be tempted to sacrifice coverage to reduce premiums. In many instances, someone dropped comprehensive coverage or liability limits to discover at claim time that their decision to reduce coverage ended up costing them more. Your aim should be to buy a smart amount of coverage at an affordable rate while not skimping on critical coverages.

We just showed you many ideas to reduce 2013 Dodge Journey insurance prices online. 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 most savings is with some of the lesser-known companies.

Budget-conscious insurance is possible from both online companies and with local insurance agents, so you should be comparing quotes from both in order to have the best chance of saving money. Some companies do not offer online price quotes and many times these small, regional companies only sell through independent insurance agents.

Much more information about auto insurance is located on the following sites: