Cheap 2010 Dodge Journey Insurance Cost
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UPDATED: Nov 23, 2017
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Looking for cheaper auto insurance rates for your Dodge Journey? If shopping for auto insurance online is new to you, it’s easy to get overwhelmed by the sheer number of auto insurance companies all offering big savings.
If you have car insurance now, you stand a good chance to be able to save some money using this strategy. Shopping for cheaper insurance coverage coverage is not that difficult. But vehicle owners need to have an understanding of how companies sell insurance online.
Do you qualify for discounts?
Companies that sell car insurance do not list all their discounts very clearly, so here is a list some of the best known as well as the least known ways to save on insurance.
- Defensive Driver – Taking a driver safety course could cut 5% off your bill and easily recoup the cost of the course.
- Good Student – Getting good grades can get you a discount of up to 25%. Earning this discount can benefit you up to age 25.
- Theft Prevention Discount – Vehicles equipped with anti-theft or alarm systems help deter theft and earn discounts up to 10%.
- Homeowners Savings – Owning a house can help you save on insurance due to the fact that maintaining a home is proof that your finances are in order.
- Military Discounts – Being deployed with a military unit may qualify for rate reductions.
- Seat Belt Usage – Buckling up and requiring all passengers to wear their seat belts can save up to 15% off your medical payments premium.
Drivers should understand that some credits don’t apply to the entire cost. Some only reduce the price of certain insurance coverages like liability, collision or medical payments. So when the math indicates all the discounts add up to a free policy, companies don’t profit that way.
Companies that possibly offer some of the above discounts may include but are not limited to:
Before buying, ask each company which discounts you may be entitled to. Some discounts may not be available in every state.
Don’t assume everyone needs the same coverage
When choosing coverage for your vehicles, there really is not a single plan that fits everyone. Everyone’s needs are different.
These are some specific questions may help you determine whether or not you could use an agent’s help.
- Am I covered if I hit my neighbor’s mailbox?
- If I drive on a suspended license am I covered?
- Do I pay less if my vehicle is kept in my garage?
- Is my custom paint covered by insurance?
- Should I file a claim if it’s only slightly more than my deductible?
- Should I have combined single limit or split liability limits?
- If my pet gets injured in an accident are they covered?
If you’re not sure about those questions but you know they apply to you, then you may want to think about talking to an insurance agent. If you want to speak to an agent in your area, fill out this quick form.
Can you really save $493 a year?
Companies like State Farm and Allstate constantly bombard you with television and radio advertisements. All the ads make the same claim of big savings if you switch to their company. How do they all say the same thing? It’s all in the numbers.
All the different companies have a preferred profile for the driver they prefer to insure. An example of a desirable insured might be between the ages of 40 and 55, has no driving citations, and drives newer vehicles. Any new insured that hits that “sweet spot” receives the best rates and therefore will save when switching.
Consumers who are not a match for the “perfect” profile will be charged a higher premium which leads to the customer not buying. The ad wording is “drivers who switch” not “people who quote” save that much. That is how companies can truthfully make those claims. That is why you absolutely need to compare as many rates as you can. It is impossible to predict which insurance companies will provide you with the cheapest Dodge Journey insurance rates.
The coverage is in the details
Understanding the coverages of insurance can help you determine the right coverages and the correct deductibles and limits. Policy terminology can be impossible to understand and reading a policy is terribly boring.
Uninsured or underinsured coverage – This coverage gives you protection from other motorists when they are uninsured or don’t have enough coverage. Covered losses include medical payments for you and your occupants and damage to your Dodge Journey.
Due to the fact that many drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. So UM/UIM coverage is a good idea.
Collision coverages – This pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. A deductible applies and the rest of the damage will be paid by collision coverage.
Collision coverage pays for things such as colliding with another moving vehicle, hitting a parking meter, backing into a parked car and hitting a mailbox. This coverage can be expensive, so you might think about dropping it from older vehicles. Another option is to increase the deductible to get cheaper collision coverage.
Medical expense coverage – Coverage for medical payments and/or PIP reimburse you for immediate expenses like funeral costs, rehabilitation expenses, ambulance fees and doctor visits. They can be used to fill the gap from your health insurance policy or if you are not covered by health insurance. They cover all vehicle occupants as well as getting struck while a pedestrian. Personal injury protection coverage is not universally available and may carry a deductible
Comprehensive protection – Comprehensive insurance coverage pays to fix your vehicle from damage from a wide range of events other than collision. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.
Comprehensive coverage protects against things like a tree branch falling on your vehicle, hitting a deer and a broken windshield. The maximum payout you’ll receive from a claim is the ACV or actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.
Auto liability – This protects you from injuries or damage you cause to people or other property in an accident. It protects you against claims from other people, and does not provide coverage for damage sustained by your vehicle in an accident.
It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show liability limits of 25/50/25 that translate to a $25,000 limit per person for injuries, $50,000 for the entire accident, and a total limit of $25,000 for damage to vehicles and property.
Liability insurance covers claims such as structural damage, medical expenses, loss of income, bail bonds and funeral expenses. The amount of liability coverage you purchase is up to you, but you should buy higher limits if possible.
Do the work, save more money
When you buy insurance online, make sure you don’t reduce needed coverages to save money. Too many times, someone dropped comprehensive coverage or liability limits and found out when filing a claim that the few dollars in savings costed them thousands. The proper strategy is to get the best coverage possible for the lowest price while still protecting your assets.
Consumers who switch companies do it for any number of reasons including delays in responding to claim requests, policy non-renewal, unfair underwriting practices or even high rates after DUI convictions. It doesn’t matter why you want to switch finding a new company can be easier than you think.
Throughout this article, we presented many ways to shop for 2010 Dodge Journey insurance online. The most important thing to understand is the more providers you compare, the higher the chance of saving money. You may be surprised to find that the best price on auto insurance is with a small local company.
To learn more, link through to the resources below:
- Distracted Driving Extends Beyond Texting (State Farm)
- What if I Can’t Find Coverage? (Insurance Information Insitute)
- Bodily Injury Coverage (Liberty Mutual)
- Driving in Bad Weather (Insurance Information Insitute)
- Comprehensive Coverage (Liberty Mutual)
- Senior Drivers (Insurance Information Insitute)
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