2019 Dodge Journey Insurance Rates

Average insurance rates for a 2019 Dodge Journey are $1,356 a year for full coverage. Comprehensive insurance costs around $294, collision costs $506, and liability costs around $398. Buying a liability-only policy costs as low as $460 a year, with high-risk insurance costing $2,928 or more. Teen drivers receive the highest rates at $5,060 a year or more.

Annual premium for full coverage: $1,356

Rate estimates for 2019 Dodge Journey Insurance

Rate data is compiled from all 50 U.S. states and averaged for all 2019 Dodge Journey models. Rates are based on a 40-year-old male driver, $500 comprehensive and collision deductibles, and a clean driving record. Remaining premium consists of UM/UIM coverage, Medical/PIP, and policy fees.

Price Range by Coverage and Risk

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These differences show why anyone shopping for car insurance should compare prices for a specific zip code and risk profile, instead of using price averages.

Use the form below to get rates for your location.

Want cheaper insurance rates for your Dodge Journey? No one in their right mind looks forward to paying premiums for insurance, especially when they are aware that the prices are way too high.

Big companies like GEICO, Farmers Insurance and State Farm persitently shower you with advertising and it is challenging if not impossible to not get sucked in by the cute commercials and take the time to shop coverage around.

It’s a great practice to compare premium rates every six months because insurance rates are adjusted regularly by insurance companies. If you had the lowest premium rates for Journey insurance six months ago you can probably find a better price now. Forget anything you know (or think you know) about insurance because you’re going to get a crash course in one of the best ways to properly buy coverages and cut your premium.

If you currently have car insurance, you will be able to reduce your rates substantially using these techniques. Choosing the best insurance company for you is not that difficult. Nevertheless, vehicle owners need to have an understanding of how companies price insurance differently and use this information to your advantage.

Compare auto insurance quotes

When looking for cheaper auto insurance quotes, there are a couple ways of comparing rates from auto insurance companies in your area. The easiest way by far to find the cheapest 2019 Dodge Journey insurance rates consists of obtaining rate quotes online. This can be done using a couple different methods.

If you don’t have a lot of time, the easiest way to compare a lot of rates at once is to use a rate comparison form. This style of form eliminates the need for boring form submissions for every company. One form submission will return quotes from many national carriers.

A more time consuming way to get quotes online consists of visiting the website for each individual company to complete their respective quote request forms. For example, let’s assume you want comparison quotes from USAA, Safeco and Travelers. You would have to take the time to go to each site to enter the same coverage data repeatedly, which is not fast way to get rate quotes.

The method you choose is up to you, but ensure you are comparing apples-to-apples coverage data for each comparison quote. If your comparisons have different values for each quote it’s not possible to determine the best price for your Dodge Journey. Slightly different coverages could throw off the whole comparison. And when price shopping your coverage, comparing a wide range of rates will increase your chances of finding the best price.

Do I need special coverages?

When choosing adequate coverage for your vehicles, there really is no perfect coverage plan. Coverage needs to be tailored to your specific needs so your insurance needs to address that. These are some specific questions could help you determine whether or not you would benefit from an agent’s advice.

• Are there companies who specialize in insuring high-risk drivers?
• Should I buy full coverage?
• Are my tools covered if they get stolen from my vehicle?
• What discounts do I qualify for?
• Are all vehicle passengers covered by medical payments coverage?
• Do I have coverage for damage caused while driving under the influence?
• Who is covered by my policy?
• How do I insure my teen driver?

If it’s difficult to answer those questions then you might want to talk to a licensed insurance agent. To find an agent in your area, take a second and enter your zip code.

Car insurance coverage information

Learning about specific coverages of your policy aids in choosing which coverages you need and proper limits and deductibles. Policy terminology can be confusing and reading a policy is terribly boring. Below you’ll find typical coverage types offered by car insurance companies.

Comprehensive auto coverage – Comprehensive insurance coverage will pay to fix damage that is not covered by collision coverage. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for claims like a broken windshield, falling objects, fire damage, theft and damage from a tornado or hurricane. The highest amount a car insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Medical payments and PIP coverage – Personal Injury Protection (PIP) and medical payments coverage provide coverage for expenses such as surgery, hospital visits and dental work. The coverages can be utilized in addition to your health insurance program or if you do not have health coverage. Coverage applies to you and your occupants and will also cover getting struck while a pedestrian. Personal Injury Protection is not available in all states but can be used in place of medical payments coverage

Collision – Collision coverage pays to fix your vehicle from damage resulting from colliding with another car or object. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for things such as driving through your garage door, crashing into a building and colliding with a tree. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are older. It’s also possible to choose a higher deductible to bring the cost down.

UM/UIM (Uninsured/Underinsured Motorist) coverage – This protects you and your vehicle when other motorists either are underinsured or have no liability coverage at all. Covered claims include injuries to you and your family as well as damage to your Dodge Journey.

Since many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Usually the UM/UIM limits are set the same as your liablity limits.

Liability coverages – This will cover injuries or damage you cause to other’s property or people that is your fault. This insurance protects YOU from legal claims by others. Liability doesn’t cover your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have policy limits of 50/100/50 which means a limit of $50,000 per injured person, a limit of $100,000 in injury protection per accident, and property damage coverage for $50,000. Another option is one limit called combined single limit (CSL) which combines the three limits into one amount rather than limiting it on a per person basis.

Liability coverage pays for claims like bail bonds, attorney fees, loss of income and legal defense fees. The amount of liability coverage you purchase is up to you, but it’s cheap coverage so purchase higher limits if possible.