How Much Does 2018 Dodge Journey Car Insurance Cost?

Have you fallen victim to an underperforming, overpriced insurance coverage policy? Don’t feel bad because many consumers feel financially strained by their insurance coverage policy. You have so many auto insurance companies to pick from, and even though it’s nice to be able to choose, more choices can make it harder to find a good deal.

You should take the time to check insurance coverage prices quite often because rates are usually higher with each renewal. Just because you had the best rate for Journey coverage a year ago a different company probably has better prices today. You can search a lot of insurance coverage online but you can learn some guaranteed methods to stop overpaying for insurance.

Buying car insurance is quite easy. If you are insured now or are just looking to switch companies, you can use these techniques to find the best rates and possibly find even better coverage. Drivers just need to learn the tricks to shop their coverage around online.

Cheaper rates by applying discounts

Not too many consumers would say insurance coverage is affordable, but you may find discounts that can dramatically reduce your bill. Certain discounts will be applied at the time of quoting, but some need to be requested specifically prior to receiving the credit.

  • Smart Student Discounts – Performing well in school could provide a savings of up to 20% or more. The discount lasts well after school through age 25.
  • Passive Restraint Discount – Options like air bags may get savings of more than 20%.
  • Telematics Devices – Drivers that enable driving data submission to look at vehicle usage by installing a telematics device such as In-Drive from State Farm or Allstate’s Drivewise system could possibly reduce rates if they exhibit good driving behavior.
  • Claim-Free Discount – Insureds with no claims or accidents have much lower rates when compared to bad drivers.
  • New Vehicle Savings – Insuring a vehicle that is new may earn a small discount compared to insuring an older model.
  • Driver’s Education for Students – Teen drivers should complete a driver education course in school.
  • Senior Discount – Seniors could receive a slight reduction on a insurance quote for Journey coverage.
  • Defensive Driving Course – Successfully completing a class that teaches defensive driving techniques could save 5% or more and make you a better driver.
  • First Accident Forgiveness – Not a discount per se, but companies like Geico, Allstate and Liberty Mutual will forgive one accident before they charge you more for coverage if you are claim-free prior to the accident.
  • Early Payment Discounts – By paying your entire bill at once rather than paying in monthly installments you can actually save on your bill.

Discounts reduce rates, but you should keep in mind that some of the credits will not apply to the overall cost of the policy. Some only apply to the price of certain insurance coverages like comprehensive or collision. Even though it appears all those discounts means the company will pay you, it just doesn’t work that way. But any discount should help reduce your policy premiums.

A few of the larger companies and some of the premium reductions they offer can be read below.

  • State Farm includes discounts for safe vehicle, student away at school, Steer Clear safe driver discount, defensive driving training, accident-free, and multiple autos.
  • Geico discounts include military active duty, federal employee, five-year accident-free, daytime running lights, and driver training.
  • SAFECO policyholders can earn discounts including safe driver, anti-lock brakes, bundle discounts, teen safety rewards, and homeowner.
  • Farmers Insurance offers discounts including electronic funds transfer, youthful driver, alternative fuel, distant student, and early shopping.
  • AAA may offer discounts for good driver, good student, pay-in-full, anti-theft, multi-policy, and AAA membership discount.
  • USAA offers discounts for defensive driver, family discount, annual mileage, multi-policy, loyalty savings, new vehicle, and safe driver.

If you need low cost insurance quotes, ask each company or agent which discounts you may be entitled to. Depending on the company, some discounts may not apply to policyholders in your area. If you would like to choose from a list of insurance coverage companies with the best discounts, follow this link.

Your car insurance coverage should be tailored to you

When it comes to choosing coverage, there isn’t really a single plan that fits everyone. Coverage needs to be tailored to your specific needs and your policy should reflect that. For instance, these questions may help you determine whether or not you will benefit from professional help.

  • Why do I need rental car insurance?
  • Do I get a pro-rated refund if I cancel my policy early?
  • Am I missing any policy discounts?
  • Is my nanny covered when driving my vehicle?
  • Is rental equipment covered for theft or damage?
  • How do I buy GAP insurance?
  • Can I get a multi-policy discount?
  • How high should deductibles be on a 2018 Dodge Journey?

If it’s difficult to answer those questions but you know they apply to you then you might want to talk to an agent. To find lower rates from a local agent, simply complete this short form or click here for a list of car insurance companies in your area. It is quick, free and may give you better protection.

Auto insurance coverages

Having a good grasp of your policy aids in choosing appropriate coverage and proper limits and deductibles. The coverage terms in a policy can be impossible to understand and nobody wants to actually read their policy. Below you’ll find the usual coverages offered by auto insurance companies.

Liability coverages

Liability insurance will cover damages or injuries you inflict on a person or their property that is your fault. This coverage protects you against claims from other people, and doesn’t cover your injuries or vehicle damage.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have values of 50/100/50 which means $50,000 in coverage for each person’s injuries, a limit of $100,000 in injury protection per accident, and $50,000 of coverage for damaged propery.

Liability coverage protects against things like emergency aid, attorney fees, pain and suffering, court costs and repair bills for other people’s vehicles. The amount of liability coverage you purchase is your choice, but buy as high a limit as you can afford.

Med pay and Personal Injury Protection (PIP)

Coverage for medical payments and/or PIP kick in for bills for pain medications, rehabilitation expenses, chiropractic care, surgery and nursing services. They are often utilized in addition to your health insurance policy or if you lack health insurance entirely. It covers both the driver and occupants in addition to being hit by a car walking across the street. Personal injury protection coverage is not an option in every state and may carry a deductible

Collision protection

This coverage pays to fix your vehicle from damage resulting from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for things such as driving through your garage door, scraping a guard rail, backing into a parked car and hitting a parking meter. Paying for collision coverage can be pricey, so you might think about dropping it from older vehicles. Another option is to increase the deductible to save money on collision insurance.

Uninsured/Underinsured Motorist (UM/UIM)

Your UM/UIM coverage gives you protection from other drivers when they are uninsured or don’t have enough coverage. This coverage pays for injuries sustained by your vehicle’s occupants and damage to your Dodge Journey.

Due to the fact that many drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage should not be overlooked.

Comprehensive insurance

Comprehensive insurance covers damage OTHER than collision with another vehicle or object. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive insurance covers things such as a tree branch falling on your vehicle, hitting a deer, fire damage and rock chips in glass. The most you’ll receive from a claim is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Quote more. Save more.

While you’re price shopping online, you should never buy poor coverage just to save money. In many instances, drivers have reduced physical damage coverage and learned later that a couple dollars of savings turned into a financial nightmare. Your goal should be to find the BEST coverage for the lowest cost while still protecting your assets.

Some car insurance companies may not offer online quoting regional insurance providers work with local independent agents. Low-cost 2018 Dodge Journey insurance can be found online in addition to local insurance agencies, so you need to compare both in order to have the best price selection to choose from.

Much more information about car insurance can be read on the following sites: