Having to pay for overpriced Dodge Journey insurance can drain your bank account and put a big crunch on your finances. Comparison shopping is free and is an excellent way to make sure you’re not throwing money away. Because you have many options when it comes to auto insurance, it is very difficult to find the right insurance company.
Consumers should take time to compare rates once or twice a year because insurance rates trend upward over time. If you had the lowest rates on Journey coverage two years ago you can probably find a better price now. Don’t believe everything you read about auto insurance on the web, but I’m going to show you a bunch of ideas how to find affordable auto insurance.
Buying car insurance is easy if you know what you’re doing. If you have a policy now or are shopping for new coverage, you can use this information to find better prices and still get good coverage. Consumers just need to learn the most effective way to buy auto insurance over the internet.
Companies don’t always advertise all available discounts very well, so we break down some of the best known and the more hidden discounts you could be receiving. If you don’t get every credit you deserve, you are throwing money away.
Drivers should understand that many deductions do not apply the the whole policy. Some only apply to individual premiums such as comprehensive or collision. Just because it seems like you could get a free auto insurance policy, it doesn’t quite work that way.
Consumers can’t get away from ads for car insurance savings from the likes of 21st Century, Allstate and State Farm. All the companies make the same claim of big savings if you move your coverage to them.
How can each company make almost identical claims? It’s all in the numbers.
All the different companies have a certain “appetite” for the type of driver that earns them a profit. An example of a desirable insured could possibly be over the age of 40, insures multiple vehicles, and drives less than 7,500 miles a year. A customer who fits that profile will get very good rates and as a result will probably save a lot of money.
Potential insureds who don’t measure up to the “perfect” profile must pay a higher premium and this can result in the customer not buying. The ads say “customers that switch” but not “drivers who get quotes” save money. That’s why insurance companies can advertise the way they do. This illustrates why you should compare as many rates as you can. It is impossible to predict which company will give you the biggest savings.
Learning about specific coverages of your auto insurance policy aids in choosing the best coverages at the best deductibles and correct limits. Policy terminology can be ambiguous and coverage can change by endorsement. Below you’ll find the usual coverages available from auto insurance companies.
Collision coverage – Collision coverage covers damage to your Journey from colliding with an object or car. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.
Collision insurance covers claims like rolling your car, sustaining damage from a pot hole, hitting a mailbox and crashing into a ditch. Paying for collision coverage can be pricey, so consider dropping it from older vehicles. You can also bump up the deductible to bring the cost down.
Coverage for liability – This coverage protects you from damages or injuries you inflict on other people or property that is your fault. Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see values of 50/100/50 that translate to $50,000 bodily injury coverage, $100,000 for the entire accident, and $50,000 of coverage for damaged propery.
Liability coverage pays for things such as bail bonds, structural damage, medical expenses, repair bills for other people’s vehicles and loss of income. The amount of liability coverage you purchase is up to you, but buy as much as you can afford.
Comprehensive or Other Than Collision – Comprehensive insurance pays to fix your vehicle from damage from a wide range of events other than collision. You first must pay your deductible and then insurance will cover the rest of the damage.
Comprehensive insurance covers things such as vandalism, damage from a tornado or hurricane, a tree branch falling on your vehicle, a broken windshield and falling objects. The maximum amount your auto insurance company will pay is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.
Medical costs insurance – Medical payments and Personal Injury Protection insurance kick in for bills such as prosthetic devices, EMT expenses, funeral costs and hospital visits. They are often used to fill the gap from your health insurance policy or if you do not have health coverage. It covers not only the driver but also the vehicle occupants in addition to any family member struck as a pedestrian. PIP coverage is only offered in select states and gives slightly broader coverage than med pay
UM/UIM Coverage – This coverage gives you protection from other motorists when they 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 purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.
Cheap Dodge Journey insurance can be found from both online companies and also from your neighborhood agents, so you should be comparing quotes from both to get a complete price analysis. Some auto insurance companies may not provide online price quotes and these small, regional companies work with independent agents.
We covered a lot of ways to reduce Dodge Journey insurance prices online. The key thing to remember is the more rate comparisons you have, the better your chances of lowering your rates. You may be surprised to find that the lowest priced auto insurance comes from the smaller companies. Regional companies may cover specific market segments cheaper as compared to the big name companies such as Allstate, GEICO and Progressive.