2014 Dodge Journey Insurance Rates – 10 Policy Discounts

Looking for cheaper insurance coverage rates for your Dodge Journey? If you’re new to shopping for insurance coverage online, it’s easy to be confused by the vast number of insurance coverage companies vying for business.

Choosing the best insurance company for you is easy if you know what you’re doing. If you currently have a car insurance policy, you should be able to lower your premiums substantially using these techniques. Although consumers should learn the methods companies use to market insurance on the web and use this information to your advantage.

How to Get Auto Insurance Comparison Quotes

Most major insurance companies like Progressive, Allstate and Geico quote prices online. This process is pretty easy as you simply enter your required coverages into the quote form. Upon sending the form, the company’s rating system obtains information on your driving record and credit history and provides a quote based on many factors.

Online quotes makes it a lot easier to compare rates but the process of having to visit multiple sites and complete many quote forms can get tiresome after awhile. But it’s very important to get many rate quotes in order to find the lowest auto insurance rates.

A more efficient way to find lower prices utilizes a single form to get prices from a bunch of companies at once. This type of form saves time, helps eliminate reptitive entry, and makes online quotes much more enjoyable and efficient. As soon as you send your information, it gets priced and you can choose any of the returned quotes. If you find a better price you can simply submit the application and buy the policy. The whole process only takes a few minutes and you’ll know if lower rates are available.

To use this form to compare rates, click here to open in a new tab and complete the simple form. If you have your current policy handy, we recommend you type in coverages and limits just like they are on your policy. This helps ensure you will receive a fair comparison using the exact same coverages.

Switch companies and save? Really?

Insurance coverage companies such as Progressive, Allstate and Geico continually stream television and radio advertisements. They all seem to make the same claim about savings after switching to them. How does each company make almost identical claims?

Insurance companies are able to cherry pick for the right customer they prefer to insure. An example of a desirable insured might be a mature driver, has no prior claims, and has a short commute. A propective insured that hits that “sweet spot” will get the preferred rates and as a result will probably save when switching.

Drivers who are not a match for the requirements will have to pay a higher premium and ends up with business going elsewhere. The ad wording is “customers who switch” not “everyone that quotes” save that much. That’s the way insurance companies can confidently advertise the savings. Because of the profiling, drivers should compare many company’s rates. It’s impossible to know which insurance companies will have the lowest Dodge Journey insurance rates.

How to reduce Dodge Journey insurance rates

Companies offering auto insurance don’t always list every discount in a way that’s easy to find, so we break down some of the more common and the harder-to-find ways to save on insurance coverage.

  • Military Discounts – Having a family member in the military could mean lower rates.
  • Organization Discounts – Participating in a qualifying organization is a good way to get lower rates when shopping for insurance coverage for Journey coverage.
  • Multiple Vehicles – Buying insurance for multiple vehicles with the same company qualifies for this discount.
  • Passive Restraints and Air Bags – Cars that have air bags and/or automatic seat belt systems can get savings of up to 25% or more.
  • Federal Employees – Active or retired federal employment may qualify you for a discount for Journey coverage with a few insurance coverage companies.
  • Low Mileage Discounts – Fewer annual miles on your Dodge could qualify for better rates on cars that stay parked.
  • Drivers Education – Make teen driver coverage more affordable by requiring them to successfully complete driver’s ed class if offered at their school.
  • Homeowners Discount – Owning a house can save you money because maintaining a house shows financial diligence.
  • Student in College – Youth drivers who live away from home and do not have access to a covered vehicle may be able to be covered for less.
  • Pay Upfront and Save – If paying your policy premium upfront instead of making monthly payments you could save up to 5%.

It’s important to understand that most credits do not apply to all coverage premiums. Most cut specific coverage prices like liability and collision coverage. So despite the fact that it appears you would end up receiving a 100% discount, it doesn’t quite work that way.

For a list of insurance companies who offer insurance coverage discounts, click here to view.

Tailor your coverage to you

When it comes to buying the right insurance coverage, there isn’t really a best way to insure your cars. Every situation is different.

Here are some questions about coverages that can help discover if your insurance needs would benefit from professional advice.

  • Is borrowed equipment or tools covered if stolen or damaged?
  • When should I remove comp and collision on my 2014 Dodge Journey?
  • Does coverage extend to my business vehicle?
  • Do I have coverage if my license is suspended?
  • How much underlying liability do I need for an umbrella policy?
  • What is roadside assistance coverage?
  • Am I covered when delivering products for my home-based business?
  • Does medical payments coverage apply to all occupants?
  • If my 2014 Dodge Journey is totaled, can I afford another vehicle?
  • What is high-risk coverage and where do I buy it?

If you can’t answer these questions, you may need to chat with a licensed insurance agent. To find lower rates from a local agent, simply complete this short form.

Coverages available on your policy

Knowing the specifics of a car insurance policy helps when choosing which coverages you need and the correct deductibles and limits. Car insurance terms can be confusing and nobody wants to actually read their policy.

Liability car insurance – Liability coverage provides protection from damage or injury you incur to other people or property by causing an accident. It protects you from legal claims by others. Liability 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. Your policy might show policy limits of 100/300/100 that means you have a limit of $100,000 per injured person, a limit of $300,000 in injury protection per accident, and a limit of $100,000 paid for damaged property.

Liability insurance covers claims like emergency aid, legal defense fees and pain and suffering. The amount of liability coverage you purchase is a decision to put some thought into, but you should buy as large an amount as possible.

Comprehensive or Other Than Collision – Comprehensive insurance coverage pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. A deductible will apply then your comprehensive coverage will pay.

Comprehensive insurance covers claims such as vandalism, falling objects and theft. The maximum amount you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.

UM/UIM Coverage – Your UM/UIM coverage gives you protection when the “other guys” do not carry enough liability coverage. Covered losses include injuries sustained by your vehicle’s occupants as well as damage to your Dodge Journey.

Since a lot of drivers only purchase the least amount of liability that is required, their limits can quickly be used up. For this reason, having high UM/UIM coverages is very important.

Medical costs insurance – Med pay and PIP coverage reimburse you for bills like hospital visits, surgery, prosthetic devices, X-ray expenses and dental work. They are utilized in addition to your health insurance policy or if you lack health insurance entirely. They cover you and your occupants in addition to if you are hit as a while walking down the street. Personal injury protection coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage

Collision – This will pay to fix damage to your Journey resulting from a collision with another vehicle or an object, but not an animal. You have to pay a deductible and then insurance will cover the remainder.

Collision can pay for things like crashing into a building, backing into a parked car, driving through your garage door, hitting a parking meter and hitting a mailbox. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from lower value vehicles. It’s also possible to raise the deductible in order to get cheaper collision rates.

Pennies from heaven

Insureds switch companies for a variety of reasons including high rates after DUI convictions, delays in paying claims, policy cancellation and an unsatisfactory settlement offer. No matter why you want to switch, finding the right insurance provider can be easier than you think.

When you buy insurance online, it’s a bad idea to skimp on coverage in order to save money. Too many times, an insured cut liability coverage limits only to regret that it was a big mistake. The aim is to get the best coverage possible for the lowest price, not the least amount of coverage.

We just covered many ways to save on 2014 Dodge Journey insurance. The key thing to remember is the more quotes you get, the higher your chance of finding lower rates. Drivers may discover the lowest premiums are with the smaller companies.

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