Cheap 2016 Dodge Journey Insurance Rates

Trying to find better auto insurance rates for your Dodge Journey? Buying budget auto insurance might seem rather challenging for vehicle owners new to comparing rates and buying auto insurance over the internet. With more and more online companies available, how are vehicle owners expected to possibly compare all the different companies and get the lowest rates?

It’s smart to check auto insurance prices quite often because prices tend to go up over time. Despite the fact that you may have had the lowest rates for Journey coverage a couple years back you can probably find a better premium rate now. There are lots of tips to save on auto insurance on the web, but I’m going to show you some proven techniques to buy auto insurance cheaper.

If you currently have a car insurance policy, you stand a good chance to be able to reduce your rates substantially using this information. Shopping for the lowest cost car insurance is not that difficult. But vehicle owners need to learn the way companies compete online and apply this information to your search.

Lower your insurance costs

Many things are part of the equation when you get your auto insurance bill. Some factors are common sense such as your driving history, but other criteria are not quite as obvious such as your credit history or your commute time.

The list below includes some of the things used by companies to determine your rates.

  • Vehicles with better crash test results that lower premiums – Purchasing a vehicle with an alarm system can get you a discount on your insurance coverage. Systems that thwart theives like vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems all help prevent your car from being stolen.
  • Gender is a factor – Over the last 50 years, statistics have shown that men are more aggressive behind the wheel. That doesn’t necessarily mean that women are better drivers. Both genders tend to get into fender benders at about the same rate, but males cause more damage. Not only are claims higher, but men receive more costly citations such as DWI and reckless driving. Teenage male drivers cause the most accidents and therefore pay the highest rates.
  • Car plus home equals more savings – Many insurance coverage companies will give better rates to people who consolidate policies with them. It’s known as a multi-policy discount. Discounts can add up to 10 percent or more. Even though this discount sounds good, it’s still a good idea to comparison shop to make sure you are getting the best deal.
  • Traffic violations inflate prices – Getting just one moving violation may increase your cost twenty percent or more. Attentive drivers tend to pay less for car insurance than their less careful counterparts. Drivers with careless violations such as hit and run, DWI or reckless driving convictions may be required to submit a SR-22 or proof of financial responsibility with their state in order to continue driving.
  • Vocation impacts prices – Did you know your career choice can influence rates? Jobs such as military generalsair traffic controllers and stock brokers tend to have higher premiums than the average policyholder due to stressful work requirements and long work days. On the other hand, occupations such as actors, engineers and performers get better rates for Journey coverage.
  • Get cheaper rates if you’re married – Having a wife or husband may cut your premiums on your insurance coverage policy. Having a spouse may mean you are more financially stable it has been statistically shown that married couples file fewer claims.
  • More traffic means higher claims – Having an address in less populated areas of the country has definite advantages when insuring your vehicles. Urban drivers regularly have more road rage incidents and longer commute times. Less people living in that area translates into fewer accident claims in addition to fewer liability claims.

Double check you’re getting with these discounts

The price of auto insurance can be rather high, but you might find some hidden discounts that many people don’t even know exist. Some discounts apply automatically when you quote, but a few must be manually applied in order for you to get them.

  • Multi-policy Discount – If you can bundle your auto and home insurance with the same insurance company you could save up to 20% off your total premium.
  • Telematics Data – Drivers who elect to allow driving data collection to study where and when they drive through the use of a telematics system like Drivewise from Allstate or In-Drive from State Farm might see lower rates if they exhibit good driving behavior.
  • Savings for New Vehicles – Buying a new car instead of a used car can cost up to 25% less since new vehicles are generally safer.
  • Resident Student – Children who are enrolled in a college that is more than 100 miles from home and don’t have a car can receive lower rates.
  • Discounts for Seat Belt Usage – Drivers who require all occupants to buckle up before driving can save 10% or more on the medical payments or PIP coverage costs.

One thing to note about discounts is that some of the credits will not apply to the overall cost of the policy. The majority will only reduce the cost of specific coverages such as medical payments or collision. So when the math indicates you could get a free insurance policy, that’s just not realistic. But any discount will bring down your premiums.

A few popular companies and some of their more popular discounts are detailed below.

  • Geico may have discounts that include emergency military deployment, five-year accident-free, anti-theft, multi-policy, and military active duty.
  • Mercury Insurance policyholders can earn discounts including accident-free, location of vehicle, low natural disaster claims, annual mileage, type of vehicle, multi-policy, and ease of repair.
  • Farmers Insurance offers discounts for early shopping, teen driver, alternative fuel, bundle discounts, and electronic funds transfer.
  • Auto-Owners Insurance offers premium reductions for group or association, safe driver, anti-theft, paperless, and teen driver.
  • Liberty Mutual includes discounts for exclusive group savings, multi-car, newly retired, new vehicle discount, multi-policy, and preferred payment discount.
  • SAFECO has savings for drive less, bundle discounts, teen safe driver, safe driver, anti-lock brakes, and multi-car.
  • Progressive discounts include continuous coverage, online quote discount, multi-policy, good student, multi-vehicle, homeowner, and online signing.
  • USAA may include discounts for defensive driver, multi-policy, safe driver, annual mileage, good student, and loyalty savings.

Check with all companies you are considering which discounts they offer. Some of the earlier mentioned discounts may not be offered in your area. If you would like to see a list of companies who offer insurance discounts, click here.

Your situation helps dictate your coverage

When buying adequate coverage for your vehicles, there really is no single plan that fits everyone. Your needs are not the same as everyone else’s.

These are some specific questions might point out whether you will benefit from professional help.

  • Can my teen drive my company car?
  • Do I have coverage if my license is suspended?
  • Can I drive in Mexico and have coverage?
  • Do I need roadside assistance coverage?
  • Should I waive the damage coverage when renting a car?
  • Who is covered when they drive my 2016 Dodge Journey?
  • Where can I find DUI or SR-22 insurance?
  • I have good health insurance, so how much medical payments coverage do I need?
  • Do I pay less for low miles?

If you’re not sure about those questions but one or more may apply to you, then you may want to think about talking to an agent. To find lower rates from a local agent, take a second and complete this form.

Specific coverages for a Dodge Journey

Knowing the specifics of insurance can help you determine the best coverages and the correct deductibles and limits. Insurance terms can be confusing and nobody wants to actually read their policy.

Uninsured and underinsured coverage

Uninsured or Underinsured Motorist coverage gives you protection when other motorists are uninsured or don’t have enough coverage. It can pay for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Due to the fact that many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage should not be overlooked.

Liability car insurance

This coverage will cover damage that occurs to people or other property. This insurance protects YOU against other people’s claims. Liability doesn’t cover damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see policy limits of 100/300/100 which means $100,000 in coverage for each person’s injuries, a per accident bodily injury limit of $300,000, and a total limit of $100,000 for damage to vehicles and property.

Liability can pay for things such as bail bonds, medical services and pain and suffering. How much coverage you buy is a personal decision, but consider buying as much as you can afford.

Coverage for medical payments

Coverage for medical payments and/or PIP kick in for short-term medical expenses for things like dental work, doctor visits, hospital visits and surgery. The coverages can be used to cover expenses not covered by your health insurance plan or if you lack health insurance entirely. They cover not only the driver but also the vehicle occupants as well as being hit by a car walking across the street. PIP coverage is not universally available but it provides additional coverages not offered by medical payments coverage

Collision protection

Collision coverage pays for damage to your Journey from colliding with an object or car. You will need to pay your deductible and then insurance will cover the remainder.

Collision coverage pays for claims like crashing into a ditch, damaging your car on a curb and colliding with another moving vehicle. Paying for collision coverage can be pricey, so you might think about dropping it from vehicles that are older. Another option is to increase the deductible to save money on collision insurance.

Comprehensive coverages

This coverage covers damage from a wide range of events other than collision. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive coverage pays for things such as damage from a tornado or hurricane, rock chips in glass, vandalism and theft. The maximum payout your insurance company will pay is the cash value of the vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.

In Summary

Consumers who switch companies do it for many reasons like lack of trust in their agent, high rates after DUI convictions, not issuing a premium refund and unfair underwriting practices. Regardless of your reason for switching companies, choosing a new insurance company can be easier than you think.

We covered many tips how you can compare 2016 Dodge Journey insurance rates online. The key concept to understand is the more providers you compare, the better your comparison will be. You may even discover the lowest rates are with a lesser-known regional company.

The cheapest 2016 Dodge Journey insurance can be found online and with local insurance agents, and you need to comparison shop both in order to have the best price selection to choose from. Some insurance companies do not provide online quoting and most of the time these smaller providers provide coverage only through local independent agents.

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