Save on 2011 Dodge Journey Car Insurance Cost

Trying to find low-cost insurance for a new or used Dodge Journey could be an all-consuming task, but you can learn our insurance buying tips to save time.

There are both good and bad ways to compare insurance rates and you need to know the quickest way to compare rates for your Dodge and locate the lowest price either online or from local insurance agents.

It’s smart to price shop coverage periodically since insurance rates trend upward over time. Just because you found the best deal on Journey coverage two years ago a different company probably has better rates today. So just ignore everything you know about insurance because you’re going to learn the things you must know in order to save on insurance.

If you have a policy now or need new coverage, you can use these tips to reduce the price you pay and possibly find even better coverage. Finding the cheapest car insurance is not that difficult. Drivers only need an understanding of the proper way to buy car insurance over the internet.

Comprehensive Insurance Coverage Comparison

Cutting your insurance coverage rates doesn’t have to be difficult. Just take time comparing price quotes online from several insurance companies. It is quite easy and can be accomplished in just a few minutes using one of these methods.

  1. The first (and easiest) way to get quotes is a comparison rater form click here to open form in new window. This form eliminates the need for multiple quote forms for every insurance coverage company. Just one form will get you rate comparisons from all major companies. This is by far the quickest method.
  2. Another way to get comparison quotes is going to each company’s website to complete their respective quote request forms. For sake of this example, we’ll assume you want rates from Farmers, GEICO and Progressive. You would have to visit each site to enter your coverage information, and that’s why the first method is more popular. For a list of links to companies insuring cars in your area, click here.
  3. The least efficient way of getting rate comparisons is driving around to insurance agents’ offices. Buying insurance online eliminates the need for an insurance agent unless you prefer the professional guidance only provided by licensed agents. Drivers can price shop your coverage online but buy from a local insurance agent and we’ll cover that in a bit.

It’s up to you how you get prices quotes, just make darn sure you compare identical coverage limits for every company. If you compare different limits and deductibles on each one it will be impossible to decipher which rate is best.

How to reduce 2011 Dodge Journey insurance rates

Properly insuring your vehicles can get expensive, but there are discounts available to help bring down the price. Larger premium reductions will be automatically applied when you complete an application, but some may not be applied and must be asked for before you get the savings. If you aren’t receiving every discount available, you are throwing money away.

  • Federal Government Employee – Simply working for the federal government could cut as much as 10% off on Journey coverage with a few auto insurance companies.
  • Anti-lock Brake Discount – Vehicles equipped with ABS or steering control can reduce accidents and will save you 10% or more.
  • Homeowners Discount – Simply owning a home can help you save on auto insurance due to the fact that maintaining a home shows financial diligence.
  • New Vehicle Savings – Adding a new car to your policy can be considerably cheaper since new cars are generally safer.
  • Driver Safety – Taking a course teaching defensive driving skills can save you 5% or more if your company offers it.
  • Distant Student – Any of your kids living away from home attending college and do not have access to a covered vehicle can be insured at a reduced rate.
  • Passive Restraints – Factory air bags or automatic seat belts can qualify for discounts of more than 20%.

Consumers should know that some of the credits will not apply the the whole policy. Most only reduce the price of certain insurance coverages like collision or personal injury protection. So when it seems like adding up those discounts means a free policy, companies don’t profit that way. Any amount of discount will cut your overall premium however.

Insurance companies that possibly offer these discounts include:

Before buying, ask every prospective company how you can save money. Discounts might not apply in every state.

These factors can influence Dodge Journey insurance rates

Smart consumers have a good feel for the factors that play a part in calculating the rates you pay for insurance. Knowing what impacts premium levels helps enable you to make changes that could result in better insurance rates.

  • Traffic violations increase rates – Your driving record has a lot to do with how much you pay for insurance. Even a single ticket can bump up the cost forty percent or more. Drivers who don’t get tickets get better rates compared to drivers with tickets. Drivers who get flagrant violations such as DUI or reckless driving may be required to file a proof of financial responsibility form (SR-22) with the DMV in their state in order to keep their license.
  • Your job and insurance rates – Occupations such as real estate brokers, business owners and dentists have the highest average rates because of high stress and long work days. Other jobs such as actors, historians and the unemployed get better rates on Journey coverage.
  • One company can mean more discounts – Some companies will give a discount to people who have multiple policies with them. It’s known as a multi-policy discount. Discounts can amount to anywhere from five to ten percent in most cases. Even if you’re getting this discount you still need to comparison shop to confirm you are receiving the best rates possible. Drivers may still find a better deal by insuring with multiple companies.
  • Do you have enough liability coverage? – Liability insurance will protect you if a court rules you are at fault for damages from an accident. Liability insurance provides for a legal defense starting from day one. Carrying liability coverage is mandatory and cheap compared to physical damage coverage, so buy as much as you can afford.
  • Drive less and save money – The more miles you rack up on your Dodge in a year the higher your rate. Almost all companies rate vehicles based upon how you use the vehicle. Vehicles used primarily for pleasure use get more affordable rates as compared to vehicles used primarily for driving to work. Double check that your insurance policy properly reflects how each vehicle is driven. If your policy improperly rates your Journey can result in significantly higher rates.
  • Males pay more for insurance – Statistics demonstrate women tend to be less risk to insure than men. However, don’t assume that women are better drivers. They both tend to get into accidents at a similar rate, but the male of the species cause more damage and cost insurance companies more money. Men also tend to get more serious tickets such as reckless driving.
  • You might want pay the small claims yourself – Companies provide cheaper rates to policyholders who are claim-free. If you are a frequent claim filer, you can look forward to either policy cancellation or increased premiums. Auto insurance is intended to be relied upon for major claims that would cause financial hardship.
  • Do you need the policy add-ons? – There are many additional coverages that can waste your money when buying insurance. Coverages like personal injury protection, accident forgiveness and motor club memberships are some examples. These may sound like a good investment when you first buy your policy, but if you don’t need them get rid of them and save.

Tailor your coverage to you

When it comes to choosing coverage for your vehicles, there really is not a “perfect” insurance plan. Coverage needs to be tailored to your specific needs.

These are some specific questions can help discover whether your personal situation might need an agent’s assistance.

  • Where can I get insurance after a DUI in my state?
  • When should my teen driver be added to my policy?
  • Do I need replacement cost coverage?
  • Do I need rental car coverage?
  • Is other people’s property covered if stolen from my vehicle?
  • Is extra glass coverage worth it?
  • Why am I required to get a high-risk car insurance policy?

If you don’t know the answers to these questions but you think they might apply to your situation, you may need to chat with an insurance agent. If you don’t have a local agent, fill out this quick form. It only takes a few minutes and you can get the answers you need.

What auto insurance coverages do you need?

Understanding the coverages of a auto insurance policy helps when choosing appropriate coverage at the best deductibles and correct limits. Policy terminology can be difficult to understand and coverage can change by endorsement.

Auto collision coverage

This covers damage to your Journey resulting from colliding with an object or car. You first must pay a deductible then your collision coverage will kick in.

Collision coverage protects against claims like damaging your car on a curb, sideswiping another vehicle, sustaining damage from a pot hole and driving through your garage door. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are 8 years or older. Drivers also have the option to choose a higher deductible to save money on collision insurance.

Uninsured/Underinsured Motorist (UM/UIM)

This coverage protects you and your vehicle from other motorists when they either have no liability insurance or not enough. Covered claims include hospital bills for your injuries and also any damage incurred to your Dodge Journey.

Since a lot of drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is important protection for you and your family. Normally your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.

Med pay and Personal Injury Protection (PIP)

Medical payments and Personal Injury Protection insurance provide coverage for short-term medical expenses for chiropractic care, pain medications, doctor visits, ambulance fees and dental work. The coverages can be used in conjunction with a health insurance policy or if you do not have health coverage. Coverage applies to both the driver and occupants as well as any family member struck as a pedestrian. PIP is not available in all states but can be used in place of medical payments coverage

Liability

Liability insurance provides protection from injuries or damage you cause to other’s property or people. This insurance protects YOU from claims by other people, 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. As an example, you may have limits of 50/100/50 which stand for a $50,000 limit per person for injuries, a limit of $100,000 in injury protection per accident, and property damage coverage for $50,000. Another option is a combined single limit or CSL which combines the three limits into one amount rather than limiting it on a per person basis.

Liability coverage pays for claims such as repair costs for stationary objects, repair bills for other people’s vehicles, court costs and funeral expenses. How much coverage you buy is up to you, but it’s cheap coverage so purchase higher limits if possible.

Comprehensive insurance

Comprehensive insurance coverage covers damage OTHER than collision with another vehicle or object. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for things like hitting a bird, damage from flooding and damage from getting keyed. The highest amount a auto insurance company will pay at claim time is the actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Best coverage at the best price

As you go through the steps to switch your coverage, it’s very important that you do not reduce needed coverages to save money. In many instances, someone dropped collision coverage and learned later that a couple dollars of savings turned into a financial nightmare. Your strategy should be to buy a smart amount of coverage at a price you can afford while not skimping on critical coverages.

Insureds change insurance companies for a number of reasons such as delays in responding to claim requests, delays in paying claims, not issuing a premium refund or high prices. It doesn’t matter why you want to switch choosing a new company is easier than you think.

Affordable 2011 Dodge Journey insurance is attainable both online and with local insurance agents, and you need to comparison shop both in order to have the best chance of saving money. Some auto insurance companies do not offer the ability to get a quote online and many times these smaller companies only sell through independent insurance agents.

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