Searching for better insurance prices for your Dodge Journey can turn out to be an all-consuming task, but you can learn our auto insurance buying tips and make it easy.
There are more efficient ways to buy auto insurance so we’re going to tell you the best way to get price quotes for your Dodge and find the lowest price from both online companies and local agents.
You need to compare prices before your policy renews since insurance rates go up and down regularly. If you had the lowest rates for Journey coverage on your last policy you may be paying too much now. Ignore everything you know about auto insurance because you’re about to find out the quickest way to find great coverage at a great price.
If you have a policy now or are looking for a new policy, you can use these techniques to find better prices while maintaining coverages. Locating affordable protection is simple if you know the tricks. Drivers just need to know the most efficient way to buy auto insurance over the internet.
All the larger auto insurance companies give coverage price quotes online. This process is fairly straightforward as you just enter the coverages you want as detailed in the form. When complete, the system makes automated requests for credit information and your driving record and returns a price quote based on these and other factors.
This makes it a lot easier to compare rates but the process of having to visit different websites and type in the same information can be a bit repetitive. But it is imperative to do this if you are searching for the best price possible.
Quote rates the easy way
The preferred way to lower your rates utilizes a single form that gets prices from many companies. The form is fast, reduces the work, and makes quoting online much easier. Once the form is submitted, it is quoted with multiple companies and you can pick your choice of the pricing results.
If one or more price quotes are lower than your current rates, you can click and sign and purchase coverage. It takes just a few minutes to complete and can result in significant savings.
To compare rates using this form now, click here and begin entering your coverage information. To compare your current rates, we recommend you replicate deductibles and limits exactly as shown on your declarations page. This ensures you’re receiving an apples-to-apples comparison based on identical coverages.
Consumers can’t ignore all the ads for car insurance savings by companies like State Farm, GEICO and Progressive. All the companies have a common claim that you can save after switching to them.
How can each company claim to save you money? This is how they do it.
All the different companies have a certain “appetite” for the driver that earns them a profit. For example, a desirable insured could be a mature driver, has no driving citations, and has great credit. A customer who matches those parameters is entitled to the best price and is almost guaranteed to cut their rates substantially.
Potential insureds who don’t meet the “perfect” profile will be charged higher rates which usually ends up with business not being written. The ads state “customers who switch” not “everyone that quotes” save that kind of money. That’s why companies can advertise the way they do.
That is why it’s extremely important to compare many company’s rates. You cannot predict the company that will have the lowest rates.
Insuring your fleet can be pricey, but discounts can save money and there are some available to cut the cost considerably. Certain discounts will be applied when you quote, but some may not be applied and must be asked for before being credited. If you aren’t receiving every discount you qualify for, you are paying more than you should be.
Drivers should understand that some credits don’t apply to the entire policy premium. Most only reduce individual premiums such as medical payments or collision. So despite the fact that it appears all those discounts means the company will pay you, it just doesn’t work that way. Any amount of discount will reduce your overall premium however.
To choose insurance companies offering auto insurance discounts, click here to view.
Understanding the coverages of your policy aids in choosing the right coverages for your vehicles. The coverage terms in a policy can be confusing and reading a policy is terribly boring.
Liability auto insurance – This coverage will cover injuries or damage you cause to other’s property or people. Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You commonly see values of 50/100/50 that means you have $50,000 in coverage for each person’s injuries, a total of $100,000 of bodily injury coverage per accident, and $50,000 of coverage for damaged propery. Some companies may use one number which is a combined single limit which combines the three limits into one amount with no separate limits for injury or property damage.
Liability coverage pays for claims such as court costs, emergency aid and funeral expenses. How much liability coverage do you need? That is a decision to put some thought into, but consider buying as high a limit as you can afford.
Medical payments coverage and PIP – Med pay and PIP coverage kick in for expenses like surgery, prosthetic devices and doctor visits. They are often used to fill the gap from your health insurance plan or if there is no health insurance coverage. They cover not only the driver but also the vehicle occupants and will also cover if you are hit as a while walking down the street. PIP coverage is not an option in every state and gives slightly broader coverage than med pay
Comprehensive coverage – Comprehensive insurance coverage will pay to fix damage that is not covered by collision coverage. You first must pay your deductible then your comprehensive coverage will pay.
Comprehensive coverage protects against things such as falling objects, a tree branch falling on your vehicle, vandalism and damage from flooding. The maximum amount 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.
Collision – Collision insurance pays for damage to your Journey resulting from a collision with another car or object. You first must pay a deductible and then insurance will cover the remainder.
Collision coverage protects against claims like colliding with a tree, sustaining damage from a pot hole, hitting a mailbox, sideswiping another vehicle and driving through your garage door. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are 8 years or older. Drivers also have the option to choose a higher deductible to save money on collision insurance.
Uninsured/Underinsured Motorist coverage – Your UM/UIM coverage provides protection when the “other guys” do not carry enough liability coverage. Covered losses include hospital bills for your injuries as well as damage to your Dodge Journey.
Due to the fact that many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is very important. Most of the time these limits are set the same as your liablity limits.
Throughout this article, we presented a lot of tips how to shop for Dodge Journey insurance online. It’s most important to understand that the more times you quote, the better chance you’ll have of finding lower rates. Consumers may even find the lowest rates come from some of the lesser-known companies.
When shopping online for auto insurance, it’s not a good idea to buy less coverage just to save a little money. There have been many situations where an insured dropped collision coverage and found out when filing a claim that the small savings ended up costing them much more. The ultimate goal is to buy the best coverage you can find at the best price while still protecting your assets.
Drivers switch companies for a variety of reasons including policy cancellation, policy non-renewal, an unsatisfactory settlement offer and even poor customer service. It doesn’t matter what your reason, finding a new company can be easier than you think.