How Much Does 2009 Dodge Journey Insurance Cost?

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Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

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Written by Jeffrey Johnson
Insurance Lawyer Jeffrey Johnson

UPDATED: May 12, 2022

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Shoppers have options when shopping for low-cost Dodge Journey insurance. You can either waste hours contacting agents trying to get quotes or leverage the internet to get rate quotes.

There is a right way and a wrong way to buy car insurance and we’ll show you the quickest way to compare rates for a Dodge and get the cheapest rates.

Complexity of Dodge Journey insurance rates

It’s important that you understand the different types of things that play a part in calculating insurance rates. Having a good understanding of what controls the rates you pay empowers consumers to make smart changes that could result in big savings.

Shown below are some of the factors used by your company to calculate premiums.

  • High credit ratings translate to low rates – Your credit score is a important factor in calculating your insurance rates. So if your credit is lower than you’d like, you could pay less to insure your 2009 Dodge Journey by spending a little time repairing your credit. Drivers with high credit scores tend to file fewer claims and have better driving records than drivers who have poor credit.
  • Bump up deductibles to save – Insurance for physical damage to your car, otherwise known as comp (or other than collision) and collision, protects your Dodge from damage. Examples of covered claims would be collision with another vehicle, vandalism, or theft. The deductibles are the amount of money you are required to spend before your insurance pays a claim. The higher the amount you’re willing to pay, the less your insurance will be on Journey insurance.
  • High numbers of claims are not good – If you file claims often, you can definitely plan on higher rates. Car insurance companies award lower rates to insureds who are claim-free. Insurance coverage is meant to be used in the event of major claims that would cause financial hardship.
  • Being married is a good thing – Getting married can actually save you money on insurance. Having a spouse translates into being more mature and responsible and it’s statistically proven that being married results in fewer claims.

How to Lower Your Auto Insurance Cost

There are multiple methods to compare 2009 Dodge Journey auto insurance prices but there is one way that is less time-consuming than others. You can spend countless hours talking about coverages with agents in your area, or you can utilize online quotes to achieve your goal.

Many companies participate in an industry program where prospective buyers send in one quote, and at least one company can provide price quotes based on that information. This eliminates the need for repetitive form submissions for each company.

To compare 2009 Dodge Journey rates using this form now click here (opens in new window).

The only drawback to using this type of form is you cannot specify which providers to get quotes from. If you wish to select individual companies to compare rates, we have assembled a list of companies who write auto insurance in your area. Click here to view list.

Whichever way you use, make sure you use exactly the same coverage limits and deductibles for each price quote. If you enter different deductibles it will be impossible to make a fair comparison for your Dodge Journey.

These discounts can lower your rates

Insurance can cost an arm and a leg, but companies offer discounts to help offset the cost. Certain discounts will be triggered automatically at the time of quoting, but lesser-known reductions have to be manually applied before they will apply. If you aren’t receiving every discount available, you are throwing money away.

  • Seat Belts Save more than Lives – Buckling up and requiring all passengers to wear their seat belts can save up to 15% off your medical payments premium.
  • Good Student – A discount for being a good student can earn a discount of 20% or more. Earning this discount can benefit you up until you turn 25.
  • Distant Student – Any of your kids who attend school more than 100 miles from home and do not have a car may be able to be covered for less.
  • Payment Discounts – If you pay your entire premium ahead of time instead of paying each month you could save up to 5%.
  • Discount for Swiching Early – A few companies offer discounts for buying a policy before your current expiration date. The savings is around 10%.
  • Theft Prevention Discount – Cars that have factory anti-theft systems prevent vehicle theft and earn discounts up to 10%.

It’s important to understand that some credits don’t apply the whole policy. Most only apply to individual premiums such as medical payments or collision. So when it seems like adding up those discounts means a free policy, you’re out of luck. Any amount of discount will reduce the amount you have to pay.

For a list of providers with discount insurance rates, click here.

Different people need different coverages

When buying the right insurance coverage, there is no “perfect” insurance plan. Every situation is different.

For instance, these questions can help discover if your situation would benefit from an agent’s advice.

  • Do I need rental car coverage?
  • Does my policy pay for OEM or aftermarket parts?
  • Is a new car covered when I drive it off the dealer lot?
  • Do I need higher collision deductibles?
  • Who is covered by my policy?
  • Am I covered by my spouse’s policy after a separation?
  • Will filing a claim cost me more?

If you’re not sure about those questions but one or more may apply to you, you may need to chat with an insurance agent. If you don’t have a local agent, simply complete this short form. It is quick, free and may give you better protection.

Auto insurance coverage information

Learning about specific coverages of your policy aids in choosing the best coverages and proper limits and deductibles. Policy terminology can be difficult to understand and nobody wants to actually read their policy.

Uninsured or underinsured coverage

This coverage protects you and your vehicle’s occupants when the “other guys” either are underinsured or have no liability coverage at all. Covered losses include injuries to you and your family as well as your vehicle’s damage.

Since many drivers only carry the minimum required liability limits, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Normally the UM/UIM limits are identical to your policy’s liability coverage.

Medical expense coverage

Coverage for medical payments and/or PIP provide coverage for expenses like dental work, ambulance fees and prosthetic devices. They are used to fill the gap from your health insurance program or if you lack health insurance entirely. They cover both the driver and occupants and also covers getting struck while a pedestrian. PIP is not an option in every state but it provides additional coverages not offered by medical payments coverage

Auto collision coverage

Collision insurance pays to fix your vehicle from damage from colliding with a stationary object or other vehicle. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers things such as hitting a parking meter, colliding with another moving vehicle and backing into a parked car. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are older. You can also bump up the deductible in order to get cheaper collision rates.

Liability car insurance

Liability insurance will cover injuries or damage you cause to a person or their property. This insurance protects YOU from legal claims by others. It does not cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see limits of 100/300/100 that means you have $100,000 bodily injury coverage, a total of $300,000 of bodily injury coverage per accident, and property damage coverage for $100,000. Another option is one number which is a combined single limit which combines the three limits into one amount without having the split limit caps.

Liability can pay for claims such as repair bills for other people’s vehicles, court costs, loss of income and funeral expenses. How much coverage you buy is up to you, but consider buying as much as you can afford.

Comprehensive protection

This will pay to fix damage from a wide range of events other than collision. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for things like damage from flooding, a tree branch falling on your vehicle, damage from a tornado or hurricane and hail damage. The maximum amount your insurance company will pay is the market value of your vehicle, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Keep this in mind

People who switch companies do it for a variety of reasons including high rates after DUI convictions, not issuing a premium refund, being labeled a high risk driver or even delays in responding to claim requests. Regardless of your reason for switching companies, switching insurance companies is not as difficult as it may seem.

In this article, we covered some good ideas how to get a better price on 2009 Dodge Journey insurance. The most important thing to understand is the more price quotes you have, the higher your chance of finding lower rates. Drivers may discover the lowest rates come from a lesser-known regional company.

When trying to cut insurance costs, do not reduce coverage to reduce premium. In too many instances, someone sacrificed collision coverage and learned later that the savings was not a smart move. Your strategy should be to find the BEST coverage for the lowest price, not the least amount of coverage.

Much more information about insurance can be read below:

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