Vehicles > Dodge > Journey

Dodge Journey Insurance Rates

You have lots of choices when comparing insurance rates on your Dodge vehicle. You can buy direct from a local agent or shop online to compare pricing from many different companies. Comparing auto insurance from online companies is easy and at the same time you might just save a little.

Beginners to comparison shopping may think purchasing cheap Journey insurance can be quite difficult. Finding a better price on auto insurance is actually quite simple. Consumers just need to spend a few minutes to get quotes from different insurance companies. This can be done by visiting this page.

What factors impact your insurance rates?

Auto insurance rates for a Dodge Journey can vary widely based upon several criteria. Taken into consideration are:

  • The performance level of your Journey
  • Any accidents you may have
  • Home and auto can earn discounts
  • Use of your vehicle
  • Special coverage such as replacement cost
  • Claims drive up premiums
  • Maintaining coverage lowers rates
  • Whether you rent or own your home

A final factor that can impact Journey insurance rates is the model year. A newer vehicle have a higher value in comparison to later models so repair costs are higher which can inflate annual premiums. But new Dodge models may have a trim level with safety features including autonomous braking, dual-stage airbags, and sideview assist mirrors which can provide discounts that lower premiums.

To get more specific information about how much rates will be for your vehicle, select the year of your Journey from available model years below.

Liability coverage - Liability insurance provides protection from damages or injuries you inflict on other people or property. Liability coverage pays for things such as emergency aid, pain and suffering, and medical services. Liability insurance is relatively cheap so consider buying higher limits if possible.

Collision coverages - This coverage pays to fix your vehicle from damage caused by collision with an object or car. You will need to pay your deductible and then insurance will cover the remainder. Journey collision insurance is rather expensive coverage, so consider dropping it from vehicles that are older. Another option is to bump up the deductible to save money on collision insurance.

Comprehensive coverage - Comprehensive insurance will pay to fix damage that is not covered by collision coverage. You first have to pay a deductible and the remainder of the damage will be paid by your Dodge Journey comprehensive insurance. The maximum payout you can receive from a comprehensive claim is the actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.

Uninsured and underinsured coverage - This gives you protection when the "other guys" either have no liability insurance or not enough. 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. For this reason, having high UM/UIM coverages is a good idea.

Medical payments coverage and PIP - Medical payments and Personal Injury Protection insurance provide coverage for expenses (i.e. doctor visits, EMT expenses, and X-ray expenses). The coverages can be used to fill the gap from your health insurance policy or if there is no health insurance coverage. PIP is not universally available but can be used in place of medical payments coverage.

How Much are Dodge Journey Insurance Rates?