Cheaper 2010 Dodge Journey Insurance Rates

Want lower insurance coverage rates for your Dodge Journey? Trying to find low-cost insurance for a new or used Dodge Journey can be a painful process, but you can learn a few tricks and make it easy.

There are more efficient ways to buy insurance coverage and you need to know the best way to compare rates for a new or used Dodge and locate the best price possible from both online companies and local agents.

Consumers need to do rate comparisons yearly because prices tend to go up over time. Despite the fact that you may have had the lowest price for Journey coverage a couple years back the chances are good that you can find a lower rate today. You can find a lot of wrong information about insurance coverage on the internet, so we’re going to give you the best ways to save money.

The best way to compare rates is to understand almost all companies pay for the opportunity to give you rate quotes. The only thing you need to do is provide details including the make and model of your vehicles, the ages of drivers, whether your vehicle is owned or leased, and coverage limits. Your information is then sent to insurance carriers in your area and they return cost estimate immediately.

Cut your premium with discounts

Car insurance can cost a lot, but discounts can save money and there are some available that can drop the cost substantially. Most are applied at quote time, but less common discounts must be specially asked for in order for you to get them. If they aren’t giving you every credit you qualify for, you are paying more than you should be.

  • Auto/Life Discount – Select insurance companies reward you with lower rates if you buy life insurance from them.
  • Homeowners Discount – Owning a house may trigger a insurance coverage policy discount due to the fact that maintaining a home requires personal responsibility.
  • Driver’s Ed – Make teen driver coverage more affordable by requiring them to enroll in driver’s education in high school.
  • Lower Rates for Military – Being on active duty in the military could be rewarded with lower premiums.
  • Braking Control Discount – Vehicles with anti-lock braking systems prevent accidents and earn discounts up to 10%.
  • Good Students Pay Less – A discount for being a good student can be rewarded with saving of up to 25%. Earning this discount can benefit you up to age 25.
  • Air Bag Discount – Factory air bags can receive discounts of 20% or more.

Drivers should understand that some credits don’t apply to your bottom line cost. Most only cut individual premiums such as physical damage coverage or medical payments. Just because you may think adding up those discounts means a free policy, you’re out of luck. But any discount will cut the cost of coverage.

Companies that may offer these benefits include:

Before buying, ask every prospective company which discounts they offer. Discounts might not apply everywhere.

What is the best insurance coverage?

When it comes to choosing the best car insurance coverage for your vehicles, there is no cookie cutter policy. Every insured’s situation is different.

These are some specific questions might point out whether or not you may require specific advice.

  • What is the ISO rating for a 2010 Dodge Journey?
  • How many claims can I have before being cancelled?
  • Do all my vehicles need collision coverage?
  • Does having multiple vehicles earn me a discount?
  • Am I covered if I drive in a foreign country?
  • When should I not file a claim?
  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • Should I have a commercial auto policy?
  • Does my 2010 Dodge Journey need full coverage?
  • Am I covered when driving a rental car?

If you don’t know the answers to these questions then you might want to talk to an agent. If you want to speak to an agent in your area, take a second and complete this form. It’s fast, free and can help protect your family.

Car insurance coverage considerations

Understanding the coverages of car insurance aids in choosing which coverages you need at the best deductibles and correct limits. Policy terminology can be confusing and coverage can change by endorsement.

Collision coverage

This coverage will pay to fix damage to your Journey from colliding with another vehicle or an object, but not an animal. You have to pay a deductible then your collision coverage will kick in.

Collision can pay for claims like scraping a guard rail, colliding with a tree and colliding with another moving vehicle. Paying for collision coverage can be pricey, so consider dropping it from older vehicles. It’s also possible to raise the deductible to bring the cost down.

Liability car insurance

This coverage protects you from damages or injuries you inflict on a person or their property by causing an accident. It protects you against other people’s claims, and doesn’t cover damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. You commonly see values of 50/100/50 that translate to $50,000 in coverage for each person’s injuries, $100,000 for the entire accident, and $50,000 of coverage for damaged propery. Alternatively, you may have one limit called combined single limit (CSL) which limits claims to one amount and claims can be made without the split limit restrictions.

Liability insurance covers things such as attorney fees, repair costs for stationary objects, medical expenses, legal defense fees and repair bills for other people’s vehicles. The amount of liability coverage you purchase is a decision to put some thought into, but consider buying as high a limit as you can afford.

Uninsured and underinsured coverage

This coverage provides protection from other motorists when they are uninsured or don’t have enough coverage. Covered losses include injuries sustained by your vehicle’s occupants and damage to your 2010 Dodge Journey.

Since a lot of drivers carry very low liability coverage limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages is very important. Normally these limits are similar to your liability insurance amounts.

Coverage for medical payments

Coverage for medical payments and/or PIP kick in for expenses such as prosthetic devices, surgery, nursing services, rehabilitation expenses and dental work. They are used to fill the gap from your health insurance policy or if you lack health insurance entirely. It covers both the driver and occupants and will also cover getting struck while a pedestrian. PIP coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage

Comprehensive coverages

This covers damage OTHER than collision with another vehicle or object. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for things like damage from getting keyed, hitting a deer and hitting a bird. The maximum payout 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.