Cheapest 2013 Dodge Journey Insurance Rates in 2023
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UPDATED: Jun 5, 2023
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Want cheaper car insurance rates for your Dodge Journey? Nobody I know likes having to buy car insurance, in particular when their premiums are too high. Having so many options, it’s nearly impossible to locate the right company.
Consumers need to shop coverage around every six months since insurance rates go up and down regularly. Just because you had the best price on Journey insurance on your last policy a different company probably has better rates today. Don’t believe everything you read about car insurance on the web, but I’m going to show you a lot of great tips on how to buy car insurance cheaper.
Pricing affordable auto insurance is not that difficult. If you have a current auto insurance policy or are just looking to switch companies, you can use these tips to shop for the lowest rates and possibly find even better coverage. Drivers just need to understand the most efficient way to compare company rates online.
Pay less for 2013 Dodge Journey insurance
Insuring your vehicles can cost a lot, but there are discounts available that you may not know about. Some discounts apply automatically when you get a quote, but lesser-known reductions have to be specially asked for before you will receive the discount. If you don’t get every credit you qualify for, you are throwing money away.
- Good Students Pay Less – Getting good grades can earn a discount of 20% or more. The good student discount can last up until you turn 25.
- Low Mileage – Keeping the miles down on your Dodge can earn better rates on cars that stay parked.
- Resident Student – Youth drivers who live away from home and do not have a car can be insured at a reduced rate.
- New Car Discount – Buying coverage on a new vehicle is cheaper compared to insuring an older model.
- Discount for Life Insurance – Some companies give a break if you buy auto and life insurance together.
- Early Switch Discount – Select companies give a discount for signing up before your current policy expires. It’s a savings of about 10%.
A little note about advertised discounts, most discount credits are not given to all coverage premiums. Most only cut individual premiums such as physical damage coverage or medical payments. So despite the fact that it appears you would end up receiving a 100% discount, it just doesn’t work that way. But any discount will cut the amount you have to pay.
Insurance companies who might offer these discounts include:
Double check with every prospective company what discounts are available to you. Savings might not apply in your area.
Low Cost Insurance
All major insurance companies like Progressive, Allstate and GEICO give price estimates online. The process doesn’t take a lot of time as you simply type in the coverages you want as requested by the quote form. After you submit the form the company’s rating system pulls your driving and credit reports and generates pricing information. Online price quotes simplifies rate comparisons, but the work required to visit different websites and fill out multiple forms gets old quite quickly. Unfortunately, it is important to do this if you want to find better prices.
There is a better way to compare rates
A quicker way to get multiple rate quotes uses one simple form to get prices from more than one company. It’s a real time-saver, reduces the work, and makes online price comparison much simpler. After sending your information, your coverage is rated and you can select any of the resulting price quotes.
If you find a better price you can click and sign and purchase the new policy. The entire process can be completed in a matter of minutes and you’ll know if lower rates are available.
To compare rates using this form now, click here and begin entering your coverage information. If you currently have coverage, we recommend you enter deductibles and limits identical to your current policy. This makes sure you will receive a price comparison for the exact same coverage.
Tailor your coverage to you
When it comes to buying the right insurance coverage for your personal vehicles, there isn’t really a “best” method to buy coverage. Everyone’s needs are different so your insurance needs to address that. For example, these questions might help in determining whether or not you might need professional guidance.
- Is motorclub coverage worth it?
- Does my 2013 Dodge Journey need full coverage?
- Can I rent a car in Mexico?
- Do I need higher collision deductibles?
- When should I remove comp and collision on my 2013 Dodge Journey?
- What is high-risk coverage and where do I buy it?
- Do I need replacement cost coverage?
If you don’t know the answers to these questions but you think they might apply to your situation then you might want to talk to an insurance agent. If you don’t have a local agent, fill out this quick form or go to this page to view a list of companies. It’s fast, free and you can get the answers you need.
Slick advertising tricks that work
Drivers can’t ignore all the ads for cheaper car insurance from the likes of Progressive, Allstate and GEICO. All the companies say the same thing that you can save if you switch your coverage to them.
How does each company say the same thing? This is how they do it.
Insurance companies are able to cherry pick for the type of customer that is profitable for them. A good example of a desirable insured could be between the ages of 30 and 50, has no driving citations, and has a high credit rating. Any driver that hits that “sweet spot” will get very good rates and is almost guaranteed to save when they switch companies.
Drivers who fall outside these standards must pay higher premiums and ends up with business not being written. The ads state “drivers who switch” but not “drivers who get quotes” save money. That’s the way companies can claim big savings.
This illustrates why you should quote coverage with many companies. Because you never know which company will provide you with the cheapest Dodge Journey insurance rates.
What insurance coverages do you need?
Understanding the coverages of your insurance policy can help you determine appropriate coverage and the correct deductibles and limits. Insurance terms can be ambiguous and even agents have difficulty translating policy wording. These are the normal coverages found on most insurance policies.
Uninsured or underinsured coverage – Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other drivers when they are uninsured or don’t have enough coverage. It can pay for medical payments for you and your occupants and damage to your 2013 Dodge Journey.
Since many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. So UM/UIM coverage is important protection for you and your family. Usually the UM/UIM limits are similar to your liability insurance amounts.
Medical expense coverage – Personal Injury Protection (PIP) and medical payments coverage kick in for expenses for surgery, doctor visits and prosthetic devices. The coverages can be used to fill the gap from your health insurance policy or if there is no health insurance coverage. Coverage applies to all vehicle occupants and also covers being hit by a car walking across the street. PIP coverage is not an option in every state but can be used in place of medical payments coverage
Collision coverages – Collision insurance covers damage to your Journey resulting from a collision with an object or car. You have to pay a deductible and the rest of the damage will be paid by collision coverage.
Collision coverage protects against claims such as colliding with another moving vehicle, hitting a mailbox, hitting a parking meter and sideswiping another vehicle. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are older. Drivers also have the option to raise the deductible to save money on collision insurance.
Comprehensive protection – This coverage pays for damage OTHER than collision with another vehicle or object. You first have to pay a deductible then your comprehensive coverage will pay.
Comprehensive can pay for things such as hitting a bird, damage from a tornado or hurricane, theft, falling objects and rock chips in glass. The most you’ll receive from a claim is the actual cash value, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.
Auto liability insurance – Liability insurance will cover damage that occurs to people or other property. Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have limits of 25/50/25 which stand for a limit of $25,000 per injured person, a total of $50,000 of bodily injury coverage per accident, and property damage coverage for $25,000. Another option is one number which is a combined single limit which provides one coverage limit and claims can be made without the split limit restrictions.
Liability can pay for things like legal defense fees, attorney fees, loss of income and repair costs for stationary objects. How much coverage you buy is your choice, but it’s cheap coverage so purchase as large an amount as possible.
The best insurance company isn’t always the cheapest
Low-cost 2013 Dodge Journey insurance is definitely available from both online companies and with local insurance agents, and you should compare price quotes from both to have the best chance of lowering rates. Some insurance coverage companies do not offer online price quotes and most of the time these smaller companies sell through independent agents.
We just showed you a lot of information how to lower your insurance rates. The key thing to remember is the more quotes you get, the better your chances of lowering your rates. Consumers may even find the lowest rates come from a company that doesn’t do a lot of advertising. Some small companies may only write in your state and offer lower rates than their larger competitors like GEICO and State Farm.
Additional information is available at these links:
- How to Avoid Common Accidents (State Farm)
- Distracted Driving (Insurance Information Insitute)
- Prom Night Tips for Teen Drivers (State Farm)
- Eight Auto Insurance Myths (Insurance Information Insitute)
Frequently Asked Questions
What factors can affect the insurance rates for a 2013 Dodge Journey?
Several factors can influence the insurance rates for a 2013 Dodge Journey. These factors include the driver’s age, driving record, location, annual mileage, coverage options selected, and the insurance company’s individual pricing policies. Additionally, the Journey’s model, trim level, engine size, and value can also impact insurance rates.
Is the 2013 Dodge Journey considered an expensive vehicle to insure?
The 2013 Dodge Journey is generally considered a mid-size SUV, which can often lead to moderate insurance rates. Mid-size SUVs are typically associated with higher repair and replacement costs compared to smaller vehicles. However, insurance rates can still vary depending on other factors such as the driver’s profile and the insurance company’s pricing policies.
Are there any specific discounts available to help reduce the insurance rates for a 2013 Dodge Journey?
Insurance companies often offer various discounts that can help lower insurance rates. Some common discounts that may apply to a 2013 Dodge Journey include safe driver discounts, multi-policy discounts (insuring multiple vehicles or having other policies with the same company), and discounts for safety features such as anti-lock brakes, airbags, and anti-theft systems. It’s advisable to inquire with your insurance provider about the available discounts.
How can I find the cheapest insurance rates for a 2013 Dodge Journey?
To find the most affordable insurance rates for a 2013 Dodge Journey, it is recommended to obtain quotes from multiple insurance companies. Contact insurers directly or use online comparison tools to gather quotes and compare coverage options. Providing accurate information when requesting quotes is important to ensure the rates are as precise as possible.
Are there any specific insurance companies known for offering competitive rates on 2013 Dodge Journey insurance?
Insurance rates can vary significantly between companies, so it is advisable to obtain quotes from multiple insurers to find the best rates for a 2013 Dodge Journey. Some insurers that are often recognized for offering competitive rates on mid-size SUV insurance include Geico, Progressive, State Farm, and Allstate. However, it’s important to compare quotes from different insurers to find the best deal for your specific circumstances.
Can I adjust my coverage options to lower the insurance rates for my 2013 Dodge Journey?
Adjusting your coverage options can potentially help lower insurance rates. However, it is important to carefully consider the impact on your financial protection. Lowering coverage limits or removing optional coverages may result in less protection in the event of an accident or other covered incidents. It is advisable to evaluate your coverage needs and consult with your insurance provider to find the right balance between cost and coverage.
Are there any aftermarket modifications that can help reduce insurance rates for a 2013 Dodge Journey?
While some modifications, such as installing safety features or anti-theft devices, may reduce the risk of theft or accidents and potentially lead to lower insurance premiums, it is advisable to consult with your insurance provider. Some modifications may not directly affect insurance rates, and others may even increase rates if they alter the performance or value of the vehicle. It’s crucial to discuss any modifications with your insurer to understand their impact on your insurance premiums.
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