Auto Insurance Quotes for a Dodge Journey in Miami

The most effective way to save on Dodge Journey insurance is to regularly compare price quotes from insurers who sell auto insurance in Miami.

• Step 1: It will benefit you to learn about auto insurance and the factors you can control to keep rates low. Many factors that cause high rates such as distracted driving and a substandard credit history can be eliminated by making lifestyle changes or driving safer.
• Step 2: Request rate estimates from direct, independent, and exclusive agents. Direct and exclusive agents can provide rates from a single company like GEICO or Farmers Insurance, while independent agencies can quote prices from multiple sources. View companies
• Step 3: Compare the new rate quotes to your existing policy to see if cheaper Journey coverage is available in Miami. If you find a better price and buy the policy, make sure the effective date of the new policy is the same as the expiration date of the old one.
• Step 4: Give notification to your current company of your decision to cancel your existing policy and submit the completed application along with a down payment to the new company. Immediately upon receiving it, safely store the proof of insurance certificate with your vehicle’s registration.

A crucial key to this process is to make sure you enter similar limits and deductibles on every quote request and and to get rate quotes from as many auto insurance providers as possible. Doing this provides a fair price comparison and plenty of rates choose from.

Smart shoppers know that auto insurance companies don’t want their policyholders to compare prices. Drivers who shop around for a cheaper policy will probably switch car insurance companies because there is a significant possibility of finding better rates. A recent survey discovered that people who compared rates regularly saved on average $3,450 over four years compared to other drivers who didn’t regularly shop around.

If finding the best price on auto insurance is your ultimate objective, then having an understanding of the best way to quote and compare auto insurance can make it easier to shop your coverage around.

Locating the best rates in Miami is quite easy. If you have a policy now, you will surely be able to lower your rates using this information. Drivers just have to use the most effective way to find the lowest price over the internet.

Coverage information

The premium table below showcases detailed analysis of insurance rates for Dodge Journey models. Having a better understanding of how insurance rates are determined can help guide drivers when making decisions on which insurance to purchase.

Data assumes single female driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Florida minimum liability limits. Discounts applied include homeowner, safe-driver, multi-vehicle, claim-free, and multi-policy. Price information does not factor in zip code location which can increase or decrease prices noticeably.

An analysis of deductible level

One common question asked by Miami drivers is how high or low should comp and collision deductibles be. The comparison tables below may help you to understand the differences in price when you select higher and lower physical damage deductibles. The first rate estimation uses a $250 deductible for comprehensive and collision coverage and the second rate table uses a $500 deductible.

Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and Florida minimum liability limits. Discounts applied include homeowner, safe-driver, claim-free, multi-policy, and multi-vehicle. Rate information does not factor in your specific Miami location which can change premiums considerably.

Based on the data above, we can derive that using a $250 deductible costs approximately $17 more each month or $204 annually than selecting the higher $500 deductible. Since you would have to pay $250 more to file a claim with a $500 deductible as compared to a $250 deductible, if you usually have more than 15 months between claim filings, you would probably be better off by going with a higher deductible. Here is the way you can do this calculation yourself.

The diagram below demonstrates how deductible levels and can increase or decrease Dodge Journey yearly insurance costs for different age groups of insureds. The premiums are based on a married male driver, comp and collision included, and no policy discounts are applied.

Safe drivers pay less for auto insurance

The information below demonstrates how citations and at-fault fender-benders can impact Dodge Journey premium costs for each age group. The data is based on a married male driver, full coverage, $500 deductibles, and no policy discounts are applied.

Dodge Journey liability rates compared to full coverage

The information below shows the difference between Dodge Journey insurance premiums with and without full coverage. The premiums assume a clean driving record, no at-fault accidents, $1,000 deductibles, single marital status, and no policy discounts are applied.

When to stop buying comprehensive and collision coverage

There isn’t a written rule to exclude physical damage coverage, but there is a guideline you can use. If the annual cost of having full coverage is about 10% or more of the settlement you would receive from your company, then you might want to consider buying only liability coverage.

For example, let’s say your Dodge Journey claim settlement value is $5,000 and you have $1,000 physical damage deductibles. If your vehicle is totaled in an accident, the most you would get paid by your company is $4,000 after the policy deductible has been paid. If you are paying in excess of $400 a year to have full coverage, then you might consider buying liability only.

There are some scenarios where dropping physical damage coverage is not advised. If you haven’t satisfied your loan, you must maintain physical damage coverage in order to prevent the bank from purchasing higher-priced coverage. Also, if you can’t afford to buy a different vehicle if your current one is in an accident, you should not buy liability only.

Cheaper Dodge Journey insurance quotes in Miami

Auto insurance companies don’t always publicize all possible discounts in a way that’s easy to find, so the following list contains some of the best known in addition to some of the lesser obvious discounts you could be receiving when you buy Miami car insurance online.

• Paper-free Discount – Some companies will provide an incentive for signing up online.
• Miami Homeowners Pay Less – Simply owning a home may trigger a policy discount on insurance since home ownership requires personal responsibility.
• Anti-lock Brake Discount – Vehicles with ABS and/or traction control are safer to drive and therefore earn up to a 10% discount.
• Accident-Free Discounts – Drivers with accident-free driving histories can earn big discounts when compared to frequent claim filers.
• Theft Deterrent – Cars and trucks that have factory anti-theft systems have a lower chance of being stolen so companies will give you a small discount.
• One Accident Forgiven – Not really a discount, but companies like State Farm, Progressive and GEICO permit an accident without the usual rate increase if you have no claims before the accident.
• Good Student – This discount can save 20 to 25%. This discount can apply well after school through age 25.
• Save over 55 – Older drivers may be able to get a small decrease in premiums.

A little disclaimer on discounts, most credits do not apply to the whole policy. Most only reduce the cost of specific coverages such as comprehensive or collision. Just because it seems like all those discounts means the company will pay you, companies don’t profit that way.

The illustration below shows the difference between Dodge Journey insurance rates with and without discounts applied. The data is based on a female driver, no violations or claims, Florida state minimum liability limits, full physical damage coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with claim-free, multi-policy, safe-driver, marriage, multi-car, and homeowner discounts applied.

If you would like to view insurance companies that offer multiple discounts in Florida, follow this link.

Parts of your auto insurance policy

Understanding the coverages of your policy can be of help when determining the right coverages for your vehicles. Policy terminology can be ambiguous and even agents have difficulty translating policy wording. Below you’ll find typical coverages found on most auto insurance policies.

Comprehensive coverage

This pays for 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 can pay for things like a tree branch falling on your vehicle, falling objects and hitting a bird. The most a auto insurance company will pay at claim time is the market value of your vehicle, so if the vehicle’s value is low consider dropping full coverage.

Collision coverage protection

This pays for damage to your Journey from colliding with an object or car. You have to pay a deductible and then insurance will cover the remainder.

Collision coverage pays for claims like hitting a parking meter, colliding with another moving vehicle, backing into a parked car, damaging your car on a curb and crashing into a ditch. Collision is rather expensive coverage, so consider removing coverage from vehicles that are older. Drivers also have the option to raise the deductible on your Journey to bring the cost down.

Uninsured/Underinsured Motorist coverage

This provides protection when the “other guys” either have no liability insurance or not enough. This coverage pays for medical payments for you and your occupants as well as damage to your Dodge Journey.

Because many people only purchase the least amount of liability that is required (10/20/10 in Florida), their liability coverage can quickly be exhausted. So UM/UIM coverage is very important.

Medical payments coverage and PIP

Medical payments and Personal Injury Protection insurance kick in for short-term medical expenses like surgery, dental work, EMT expenses and doctor visits. They are used in conjunction with a health insurance policy or if you lack health insurance entirely. They cover all vehicle occupants and will also cover if you are hit as a while walking down the street. Personal Injury Protection is not universally available but can be used in place of medical payments coverage

Coverage for liability

This coverage provides protection from injuries or damage you cause to people or other property. It protects you against claims from other people. It does not cover your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see limits of 10/20/10 that means you have $10,000 in coverage for each person’s injuries, a total of $20,000 of bodily injury coverage per accident, and a limit of $10,000 paid for damaged property.

Liability can pay for claims like legal defense fees, court costs, attorney fees, bail bonds and medical expenses. The amount of liability coverage you purchase is up to you, but consider buying as high a limit as you can afford. Florida state law requires minimum liability limits of 10/20/10 but it’s recommended drivers buy better liability coverage.

The next chart demonstrates why low liability limits may not provide you with enough coverage.

Lower rates by being persistent

We just covered many ways to reduce Dodge Journey insurance car insurance rates online in Miami. The most important thing to understand is the more rate comparisons you have, the better chance you’ll have of finding affordable Dodge Journey insurance quotes. You may even be surprised to find that the lowest car insurance rates are with a lesser-known regional company. Some small companies may cover specific market segments cheaper compared to the large companies like Progressive or GEICO.

As you go through the steps to switch your coverage, make sure you don’t reduce needed coverages to save money. There are a lot of situations where an accident victim reduced liability limits or collision coverage to discover at claim time that the small savings ended up costing them much more. Your objective should be to purchase plenty of coverage at the best price but still have enough coverage for asset protection.

For more information, feel free to visit the following helpful articles:

• Medical Payments Coverage (Liberty Mutual)
• How Much are Miami Auto Insurance Rates for Immigrants? (FAQ)
• Who Has the Cheapest Miami Auto Insurance Rates for a Jeep Grand Cherokee? (FAQ)
• Who Has the Cheapest Miami Auto Insurance for a Ford Escape? (FAQ)
• How Much is Auto Insurance for Nurses in Miami? (FAQ)
• What is Full Coverage? (Allstate)
• Prepare your Teens for Safe Driving (InsureUonline.org)