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Dodge Journey Insurance Rates

Finding cheaper car insurance through online companies can be fast and easy, plus you might just save a little. The most important part is to take the time to get rates from as many companies as possible in order to accurately compare the cheapest rate quotes.

If you are a novice to online car insurance shopping, you may be overwhelmed by the hoards of online car insurance companies and websites vying for your business. When shopping for car insurance there are multiple ways to compare rate quotes from local car insurance companies. The recommended way to find the cheapest Journey insurance cost is to perform an online rate comparison. This can be done by getting a quick quote here.

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Premiums are calculated by these things

Auto insurance rates for your Dodge Journey can vary widely depending on several factors. Including but not limited to:

  • A clean driving record keeps rates low
  • Credit rating
  • Male drivers pay higher rates
  • The deductible you choose
  • Crash test rating for your Journey
  • What you do for a living
  • Your coverage level
  • Home ownership saves money

A final factor which can affect Journey insurance rates is the model year. Models that are a few years old have a lower value in comparison to older models so the payout to repair may result in lower rates. On the flip side, new Dodge models may have a trim level with safety features like adaptive cruise control, pedestrian detection, and lane departure warning system which can help offset higher rates.

For you to have a better understanding of how rates are influenced for your specific model year, select the year of your vehicle from the list below.

Coverage for liability - This coverage provides protection from damage or injury you incur to other's property or people that is your fault. Liability coverage pays for claims like pain and suffering, repair costs for stationary objects, and legal defense fees. Coverage is generally pretty cheap so consider buying higher limits if possible.

Collision coverage - This pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. You will need to pay your deductible then your collision coverage will kick in. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are older. Drivers also have the option to bump up the deductible to get cheaper Journey insurance rates.

Comprehensive coverage (or Other than Collision) - Comprehensive insurance coverage covers damage from a wide range of events other than collision. A deductible will apply and the remainder of the damage will be paid by your Dodge Journey comprehensive insurance. The maximum payout your car insurance company will pay is the ACV or actual cash value, so if your deductible is as high as the vehicle's value consider removing comprehensive coverage.

Uninsured/Underinsured Motorist coverage - Uninsured or Underinsured Motorist coverage provides protection when other motorists either have no liability insurance or not enough. Since a lot of drivers carry very low liability coverage limits, it doesn't take a major accident to exceed their coverage limits. That's why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

Insurance for medical payments - Medical payments and Personal Injury Protection insurance pay for immediate expenses (i.e. EMT expenses, pain medications, and nursing services). They can be utilized in addition to your health insurance policy or if you lack health insurance entirely. Personal Injury Protection is not universally available and may carry a deductible.

How Much are Dodge Journey Insurance Rates?