Compare 2009 Dodge Journey Car Insurance Quotes

Are you tired of trying to scrape together enough money to pay your car insurance bill each month? You’re in the same situation as many other drivers. There is such a variety of insurance companies to insure vehicles with, and although it’s nice to have a choice, so many choices can make it hard to locate the cheapest rates.

Save with discounts on Dodge Journey insurance

Insuring your vehicles can cost a lot, but there are discounts available to help offset the cost. Some discounts apply automatically when you get a quote, but a few must be asked about prior to getting the savings. If you’re not getting every credit you qualify for, you’re paying more than you need to.

  • Early Switch Discount – A few companies offer discounts for buying a policy before your current expiration date. It’s a savings of about 10%.
  • Anti-theft Discount – Cars that have factory anti-theft systems can help prevent theft and will save you 10% or more.
  • Drive Less and Save – Low mileage vehicles could be rewarded with lower rates on the low mileage vehicles.
  • Service Members Pay Less – Being on active duty in the military could be rewarded with lower premiums.
  • College Student – Children who attend school more than 100 miles from home and do not have access to a covered vehicle may qualify for this discount.
  • Air Bag Discount – Factory air bags and/or automatic seat belt systems can qualify for discounts up to 30%.
  • E-sign – Some insurance companies give back up to $50 just for signing your application on their website.
  • New Car Discount – Putting insurance coverage on a new car can cost up to 25% less since new cars are generally safer.
  • Federal Government Employee – Simply working for the federal government can save as much as 8% on Journey coverage with a few auto insurance companies.

As a disclaimer on discounts, most credits do not apply to the entire cost. Some only reduce specific coverage prices like collision or personal injury protection. Even though it may seem like having all the discounts means you get insurance for free, companies wouldn’t make money that way. Any qualifying discounts will bring down the cost of coverage.

A partial list of companies that may have these discounts may include but are not limited to:

It’s a good idea to ask all companies you are considering what discounts are available to you. Discounts may not apply in your state.

Tailor your coverage to you

When it comes to buying the best insurance coverage for your personal vehicles, there really is not a “perfect” insurance plan. Your needs are not the same as everyone else’s and your policy should reflect that. For example, these questions may help highlight if your situation may require specific advice.

  • Am I covered if I hit my neighbor’s mailbox?
  • Can I afford to pay high deductible claims out of pocket?
  • Which companies will insure high-risk drivers?
  • Can I make deliveries for my home business?
  • Is pleasure use cheaper than using my 2009 Dodge Journey to commute?
  • When should I buy a commercial auto policy?

If you don’t know the answers to these questions but one or more may apply to you, you might consider talking to an agent. To find an agent in your area, take a second and complete this form or click here for a list of insurance companies in your area. It only takes a few minutes and can help protect your family.

Insurance coverage breakdown

Having a good grasp of a insurance policy can help you determine appropriate coverage and proper limits and deductibles. The terms used in a policy can be impossible to understand and nobody wants to actually read their policy. Below you’ll find typical coverage types found on most insurance policies.

Coverage for collisions

This pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for claims like damaging your car on a curb, colliding with another moving vehicle and colliding with a tree. Paying for collision coverage can be pricey, 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.

Liability

Liability insurance provides protection from damage that occurs to a person or their property in an accident. This coverage protects you from legal claims by others, and doesn’t cover your injuries or vehicle damage.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have limits of 25/50/25 which stand for $25,000 in coverage for each person’s injuries, a limit of $50,000 in injury protection per accident, and property damage coverage for $25,000. Occasionally you may see a combined single limit or CSL which provides one coverage limit without having the split limit caps.

Liability coverage pays for things like court costs, repair bills for other people’s vehicles, legal defense fees and emergency aid. How much liability should you purchase? That is your choice, but it’s cheap coverage so purchase as high a limit as you can afford.

Insurance for medical payments

Coverage for medical payments and/or PIP pay for expenses such as surgery, ambulance fees and doctor visits. They can be used to cover expenses not covered by your health insurance program or if you lack health insurance entirely. It covers all vehicle occupants in addition to getting struck while a pedestrian. Personal Injury Protection is not an option in every state and may carry a deductible

Uninsured Motorist or Underinsured Motorist insurance

Your UM/UIM coverage protects you and your vehicle’s occupants when the “other guys” are uninsured or don’t have enough coverage. It can pay for injuries sustained by your vehicle’s occupants and damage to your Dodge Journey.

Since a lot of drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is a good idea. Most of the time the UM/UIM limits are similar to your liability insurance amounts.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance coverage pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. 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 fire damage, a tree branch falling on your vehicle, rock chips in glass and vandalism. The highest amount you can receive from a comprehensive claim is the ACV or actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Save your hard earned cash

We just presented a lot of tips how to reduce 2009 Dodge Journey insurance prices online. The key concept to understand is the more times you quote, the higher your chance of finding lower rates. Consumers could even find that the best price on car insurance is with a smaller regional carrier. Regional companies may often insure only within specific states and give getter rates than their larger competitors like State Farm, GEICO and Nationwide.

As you restructure your insurance plan, make sure you don’t reduce coverage to reduce premium. In too many instances, an accident victim reduced liability coverage limits and discovered at claim time they didn’t have enough coverage. The proper strategy is to buy the best coverage you can find at an affordable rate, not the least amount of coverage.

Lower-priced insurance is possible from both online companies in addition to many insurance agents, so compare prices from both in order to have the best chance of saving money. A few companies do not provide you the ability to get quotes online and many times these small insurance companies only sell through independent insurance agents.

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