How to Save on Lincoln Dodge Journey Insurance

The recommended way to get affordable Dodge Journey insurance in Lincoln is to regularly compare price quotes from insurers who sell auto insurance in Nebraska. Prices can be compared by completing these steps.

First, try to learn about how insurance works and the things you can control to keep rates down. Many things that cause rate increases such as at-fault accidents and a bad credit score can be improved by making minor changes to your lifestyle. Read the full article for ideas to prevent rate hikes and find available discounts that you may qualify for.

Second, compare rates from direct, independent, and exclusive agents. Direct and exclusive agents can only provide price estimates from a single company like Progressive or Allstate, while agents who are independent can provide price quotes from many different companies. Select a company

Third, compare the quotes to the price on your current policy and see if you can save money. If you find a lower rate, ensure coverage does not lapse between policies.

Fourth, give proper notification to your current agent or company to cancel your current coverage. Submit a down payment along with a completed application for your new coverage. Be sure to place the new proof of insurance certificate somewhere easily accessible.

An essential thing to point out is to make sure you enter identical coverage information on each quote request and and to analyze as many companies as possible. This ensures an apples-to-apples comparison and maximum price selection.

Insurance quote for Dodge Journey in LincolnEveryone knows that auto insurance companies don’t want you to look for cheaper rates. People who compare rates annually will most likely buy a different policy because there are good odds of finding coverage at a cheaper rate. Surprisingly, a recent survey revealed that people who routinely compared rates saved an average of $3,450 over four years compared to people who never compared prices.

If saving the most money on auto insurance in Lincoln is the reason you’re reading this, understanding how to quote and compare auto insurance can make shopping around easier.

If you have a policy now, you will surely be able to cut your premiums using the concepts you’re about to learn. Buying the cheapest car insurance in Lincoln is not that difficult as long as you know where to start. But Nebraska consumers can benefit from knowing how insurance companies market on the web and use this information to your advantage.

Dodge Journey insurance rates and statistics

The data table below highlights a range of prices for Dodge Journey models. Having a good understanding how insurance policy rates are determined can help you make smart buying decisions.

Dodge Journey Insurance Rates in Lincoln, NE
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Journey SE 2WD $294 $382 $392 $24 $118 $1,210 $101
Journey SXT 2WD $294 $466 $392 $24 $118 $1,294 $108
Journey R/T 2WD $332 $466 $392 $24 $118 $1,332 $111
Journey SXT Crew 2WD $332 $466 $392 $24 $118 $1,332 $111
Journey SXT AWD $332 $466 $392 $24 $118 $1,332 $111
Journey R/T AWD $332 $548 $392 $24 $118 $1,414 $118
Journey SXT Crew AWD $332 $548 $392 $24 $118 $1,414 $118
Get Your Own Custom Quote Go

Data assumes single male driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and Nebraska minimum liability limits. Discounts applied include multi-vehicle, claim-free, homeowner, safe-driver, and multi-policy. Information does not factor in specific Lincoln garaging location which can revise prices noticeably.

Comparison of policy deductibles

One frequently asked question is how high or low should comp and collision deductibles be. The following insurance rates can help show the rate differences when you buy lower versus higher policy deductibles. The first rate estimation uses a $250 deductible for physical damage and the second set of rates uses a $1,000 deductible.

Dodge Journey insurance rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Journey SE 2WD $232 $320 $300 $18 $90 $985 $82
Journey SXT 2WD $232 $390 $300 $18 $90 $1,055 $88
Journey R/T 2WD $262 $390 $300 $18 $90 $1,085 $90
Journey SXT Crew 2WD $262 $390 $300 $18 $90 $1,085 $90
Journey SXT AWD $262 $390 $300 $18 $90 $1,085 $90
Journey R/T AWD $262 $460 $300 $18 $90 $1,155 $96
Journey SXT Crew AWD $262 $460 $300 $18 $90 $1,155 $96
Get Your Own Custom Quote Go

Dodge Journey insurance rates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Journey SE 2WD $144 $202 $300 $18 $90 $754 $63
Journey SXT 2WD $144 $246 $300 $18 $90 $798 $67
Journey R/T 2WD $162 $246 $300 $18 $90 $816 $68
Journey SXT Crew 2WD $162 $246 $300 $18 $90 $816 $68
Journey SXT AWD $162 $246 $300 $18 $90 $816 $68
Journey R/T AWD $162 $290 $300 $18 $90 $860 $72
Journey SXT Crew AWD $162 $290 $300 $18 $90 $860 $72
Get Your Own Custom Quote Go

Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and Nebraska minimum liability limits. Discounts applied include homeowner, claim-free, multi-policy, safe-driver, and multi-vehicle. Information does not factor in specific zip code location which can alter prices noticeably.

Based on the figures above, using a $250 deductible could cost the average driver approximately $22 more each month or $264 annually across all Dodge Journey models than quoting the higher $1,000 deductible. Since you would have to pay $750 more out-of-pocket with a $1,000 deductible as compared to a $250 deductible, if you tend to have more than 34 months between claim filings, you would come out ahead by going with a higher deductible.

How to determine if a higher deductible is a good idea

Average monthly premium for $250 deductibles: $90
Average monthly premium for $1,000 deductibles (subtract): – $68
Monthly savings from raising deductible: $22
Difference between deductibles ($1,000 – $250): $750
Divide difference by monthly savings: $750 / $22
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 34 months

One important note is that increasing deductibles to lower your rates results in more money out-of-pocket when you have a comprehensive or collision claim. You will want to have some extra savings in order to pay the deductible to have repairs made.

How violations and accidents impact rates

The information below highlights how speeding tickets and at-fault fender-benders can increase Dodge Journey premium costs for different age groups. The data assumes a married female driver, full physical damage coverage, $1,000 deductibles, and no discounts are taken into consideration.

Lincoln auto insurance companies

Picking a highly-rated insurance provider can be rather challenging considering how many companies provide coverage in Nebraska. The company ratings shown below can help you decide which coverage providers to look at comparing rates with.

Top 10 Lincoln Car Insurance Companies Ranked by Customer Satisfaction

  1. USAA – 92%
  2. American Family – 88%
  3. State Farm – 88%
  4. Nationwide – 88%
  5. 21st Century – 88%
  6. The Hartford – 87%
  7. Progressive – 87%
  8. AAA Insurance – 87%
  9. Farmers Insurance – 87%
  10. Liberty Mutual – 87%

Top 10 Lincoln Car Insurance Companies by A.M. Best Rank

  1. USAA – A++
  2. Travelers – A++
  3. State Farm – A++
  4. GEICO – A++
  5. Nationwide – A+
  6. Esurance – A+
  7. The Hartford – A+
  8. Progressive – A+
  9. Allstate – A+
  10. The General – A-

Car insurance coverages 101

Understanding the coverages of your car insurance policy can be of help when determining which coverages you need and proper limits and deductibles. Policy terminology can be impossible to understand and coverage can change by endorsement. These are the usual coverages found on the average car insurance policy.

Med pay and Personal Injury Protection (PIP)

Medical payments and Personal Injury Protection insurance pay for immediate expenses like EMT expenses, rehabilitation expenses and pain medications. The coverages can be used to cover expenses not covered by your health insurance plan or if there is no health insurance coverage. It covers both the driver and occupants in addition to being hit by a car walking across the street. PIP is not available in all states and may carry a deductible

Uninsured/Underinsured Motorist (UM/UIM)

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when other motorists are uninsured or don’t have enough coverage. It can pay for medical payments for you and your occupants as well as your vehicle’s damage.

Since a lot of drivers only purchase the least amount of liability that is required (Nebraska limits are 25/50/25), it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is a good idea. Normally these limits are set the same as your liability limits.

Auto liability insurance

Liability coverage protects you from damage that occurs to other people or property. This coverage protects you against claims from other people. It does not cover your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You commonly see policy 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. Alternatively, you may have one limit called combined single limit (CSL) which provides one coverage limit without having the split limit caps.

Liability coverage protects against claims like pain and suffering, repair bills for other people’s vehicles, court costs, medical services and loss of income. How much liability should you purchase? That is your choice, but it’s cheap coverage so purchase higher limits if possible. Nebraska requires minimum liability limits of 25/50/25 but drivers should carry more liability than the minimum.

The illustration below shows why the minimum limit may not be enough.

Comprehensive insurance

This coverage will pay to fix damage OTHER than collision with another vehicle or object. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for claims such as a tree branch falling on your vehicle, hail damage and hitting a deer. The maximum amount you’ll receive from a claim is the ACV or actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Coverage for collisions

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

Collision insurance covers claims such as crashing into a building, colliding with a tree, driving through your garage door and rolling your car. Paying for collision coverage can be pricey, so consider removing coverage from lower value vehicles. It’s also possible to raise the deductible on your Journey in order to get cheaper collision rates.

In Summary

Cost effective Dodge Journey insurance can be found both online in addition to local insurance agencies, and you should compare rates from both in order to have the best chance of saving money. Some companies don’t offer the ability to get quotes online and usually these smaller companies sell through independent agents.

When shopping online for car insurance, it’s very important that you do not sacrifice coverage to reduce premiums. There are a lot of situations where someone dropped uninsured motorist or liability limits and found out when filing a claim that the few dollars in savings costed them thousands. The aim is to purchase a proper amount of coverage for the lowest cost, but do not skimp to save money.

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