How Much Does 2017 Dodge Journey Car Insurance Cost?

Searching for better insurance rates for your Dodge Journey? Having to pay for expensive insurance can drain your family’s budget and maybe even restrict other spending. Doing a price comparison can lower your rates and help to lower your bills every month.

Insurance companies such as Progressive, Geico and Farmers Insurance increase brand awareness with catchy ads and it is challenging if not impossible to ignore the propoganda and find the best price available.

If you have insurance now or need a new policy, you can use these techniques to get lower rates and possibly find even better coverage. Buying car insurance is quite easy. Vehicle owners just need to know the most effective way to find the lowest price on the web.

Find hidden discounts on car insurance

Car insurance is not cheap nor is it fun to buy but you might already qualify for some discounts that may help make it more affordable. Larger premium reductions will be automatically applied when you get a quote, but some discounts are required to be specially asked for in order for you to get them. If you are not receiving all the discounts you qualify for, you may be paying too high a price.

  • Employee of Federal Government – Federal government employees could qualify for a slight premium decrease for Journey insurance depending on your company.
  • Passenger Safety Discount – Factory options such as air bags and/or automatic seat belt systems can qualify for discounts of more than 20%.
  • Auto/Home Discount – If you insure your home and vehicles with the same insurance company you may earn 10% to 20% off each policy.
  • Discount for Home Ownership – Owning a house can help you save on car insurance since owning and maintaining a home means you have a higher level of financial diligence.
  • Driver Education Discount – Cut your cost by having your teen driver enroll in driver’s education if it’s offered in school.
  • Senior Citizens – If you’re over the age of 55, you can get reduced rates for Journey insurance.
  • Driving Data Discount – Drivers who elect to allow driving data submission to analyze driving patterns through the use of a telematics system such as State Farm’s In-Drive could save a few bucks if they are good drivers.
  • Low Miles Discount – Low mileage vehicles may allow you to get lower premium rates on the low mileage vehicles.
  • Auto/Life Discount – If the company offers life insurance, you could get a discounted car insurance rate on car insurance if you buy a life policy as well.

Don’t be shocked that most discounts do not apply to the entire policy premium. Some only apply to specific coverage prices like liability, collision or medical payments. So even though it sounds like you can get free auto insurance, it doesn’t quite work that way. Any amount of discount will definitely reduce your policy cost.

A list of companies and a selection of discounts are included below.

  • Progressive may have discounts that include multi-policy, continuous coverage, homeowner, online quote discount, multi-vehicle, good student, and online signing.
  • The Hartford has discounts for defensive driver, driver training, vehicle fuel type, anti-theft, and air bag.
  • Mercury Insurance includes discounts for multi-car, good driver, professional/association, location of vehicle, type of vehicle, multi-policy, and ease of repair.
  • Geico may offer discounts for driver training, five-year accident-free, multi-vehicle, daytime running lights, and air bags.
  • AAA offers discounts including anti-theft, good student, AAA membership discount, education and occupation, multi-car, good driver, and pay-in-full.
  • State Farm has savings for good driver, passive restraint, good student, safe vehicle, accident-free, and student away at school.

Before buying, ask all companies you are considering which discounts they offer. Some credits might not be offered in every state. To locate providers with discount rates, click this link.

How do insurers determine Dodge Journey insurance costs?

Many different elements are part of the calculation when pricing auto insurance. Most are fairly basic such as traffic violations, although others are less obvious such as your credit history or your vehicle rating.One of the most helpful ways to save on car insurance is to to have a grasp of some of the elements that come into play when calculating your policy premiums. If you know what controls the rates you pay, this enables informed choices that may reward you with lower car insurance prices.

  • A lcar insurance lapse is a bad thing – Driving with no insurance is not a good idea and car insurance companies will penalize you for letting your insurance expire. Not only will you pay more, failure to provide proof of insurance may earn you a revoked license or a big fine. You may have to file a SR-22 with your state motor vehicle department.
  • Your liability protection limits – A critical coverage on your policy, liability insurance will protect you when you are determined to be liable for personal injury or accident damage. Your liability coverage provides legal defense coverage which can cost a lot. Carrying liability coverage is mandatory and cheap compared to comp and collision, so drivers should make sure they buy enough to cover all assets.
  • More annual miles equals more premium – The more you drive annually the more you’ll pay to insure your vehicle. Most insurance companies charge to insure your cars based upon how much you drive. Autos not used for work or commuting can be on a lower rate level than those used for commuting. A policy that improperly rates your Journey is throwing money out the window. It’s always a good idea to double check that your car insurance coverage correctly shows the right rating data.
  • Teenagers vs. older drivers – Teenage drivers have been known to be easily distracted with other occupants in the car so car insurance rates are higher. Adding a youthful driver to your car insurance policy can be quite pricey. Older insureds are viewed as being more responsible, statistically cause fewer accidents , and are generally more financially stable.
  • Big city or small town – Having an address in a rural area can save you money if you are looking for the lowest rates. Lower population translates into fewer accidents in addition to fewer liability claims. Residents of big cities regularly have more traffic problems and higher rates of accident claims. More time commuting means higher likelihood of an accident.

Tailor your insurance coverage coverage to you

When choosing proper insurance coverage, there really is not a single plan that fits everyone. Everyone’s situation is a little different so your insurance should reflect that For instance, these questions might help in determining if you might need an agent’s assistance.

  • Am I covered when driving someone else’s vehicle?
  • Should I bundle my homeowners policy with my auto?
  • Should I get collision insurance on every vehicle?
  • Am I better off with higher deductibles on my 2017 Dodge Journey?
  • Is my vehicle covered by my employer’s policy when using it for work?
  • Is my dog or cat covered if injured in an accident?
  • Can my teen driver be rated on a liability-only vehicle?
  • When should I remove comp and collision on my 2017 Dodge Journey?

If you don’t know the answers to these questions but you know they apply to you then you might want to talk to a licensed agent. To find an agent in your area, take a second and complete this form or you can also visit this page to select a carrier It is quick, free and you can get the answers you need.

Specific coverages for a 2017 Dodge Journey

Understanding the coverages of auto insurance helps when choosing the right coverages at the best deductibles and correct limits. Auto insurance terms can be impossible to understand and reading a policy is terribly boring. Below you’ll find typical coverage types found on the average auto insurance policy.

Coverage for medical expenses

Personal Injury Protection (PIP) and medical payments coverage provide coverage for immediate expenses such as pain medications, surgery, hospital visits and rehabilitation expenses. The coverages can be utilized in addition to your health insurance policy or if you lack health insurance entirely. Coverage applies to you and your occupants as well as if you are hit as a while walking down the street. Personal injury protection coverage is not available in all states and may carry a deductible

Collision protection

Collision insurance covers damage to your Journey from colliding with another car or object. A deductible applies then the remaining damage will be paid by your insurance company.

Collision coverage pays for things such as driving through your garage door, hitting a parking meter, crashing into a ditch, sustaining damage from a pot hole and colliding with a tree. This coverage can be expensive, so consider removing coverage from lower value vehicles. Drivers also have the option to choose a higher deductible to save money on collision insurance.

Liability coverages

Liability insurance can cover damage or injury you incur to a person or their property. It protects you from legal claims by others, and does not provide coverage for your own vehicle damage or injuries.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. You might see values of 100/300/100 which stand for a $100,000 limit per person for injuries, $300,000 for the entire accident, and $100,000 of coverage for damaged propery. Another option is one number which is a combined single limit which combines the three limits into one amount with no separate limits for injury or property damage.

Liability insurance covers things such as structural damage, funeral expenses and medical services. The amount of liability coverage you purchase is a personal decision, but you should buy higher limits if possible.

Comprehensive auto insurance

This pays to fix your vehicle from 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 claims like rock chips in glass, fire damage, damage from getting keyed, hail damage and vandalism. 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 probably time to drop comprehensive insurance.

Coverage for uninsured or underinsured drivers

Your UM/UIM coverage protects you and your vehicle when the “other guys” do not carry enough liability coverage. Covered claims include medical payments for you and your occupants and damage to your Dodge Journey.

Because many people only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is very important. Usually the UM/UIM limits are set the same as your liablity limits.

Smart consumers save more

Budget-friendly auto insurance can be purchased on the web in addition to many insurance agents, and you should compare price quotes from both to have the best chance of lowering rates. Some insurance providers may not provide the ability to get a quote online and many times these smaller providers provide coverage only through local independent agencies.

We just showed you many tips how you can reduce 2017 Dodge Journey insurance rates online. The key thing to remember is the more times you quote, the better your comparison will be. You may be surprised to find that the lowest priced auto insurance comes from a small mutual company. Some small companies may cover specific market segments cheaper than the large multi-state companies such as Progressive and Geico.

When searching for the cheapest insurance quotes, don’t be tempted to reduce coverage to reduce premium. In too many instances, drivers have reduced liability coverage limits only to find out that the few dollars in savings costed them thousands. Your goal is to purchase a proper amount of coverage at the best possible price, but don’t skip important coverages to save money.

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