Insurance quote for Dodge Journey in Las VegasAre you a victim of an overpriced insurance policy? Trust us when we tell you you're not alone.

Unimaginable but true, the vast majority of consumers in Nevada kept their coverage with the same insurance company for more than four years, and almost 40% of drivers have never quoted rates to find cheap coverage. Most drivers in the U.S. can cut their rates by $860 a year just by getting comparison quotes, but most tend to underestimate how much money they would save if they moved their coverage to a different company. People have multiple auto insurance companies to pick from, and though it is a good thing to have a selection, it makes it harder to find the lowest rates for Dodge Journey insurance in Las Vegas.

This article will instruct you on how car insurance quotes work. If you are already insured, you will definitely be able to find the best rates using the ideas you're about to read. You only need an understanding of the most time-saving way to compare rates over the internet.

Finding a better price on insurance is pretty simple and can save money. You just have to take the time comparing price quotes to find out which insurance company has affordable Dodge Journey insurance quotes.

Getting rates online is very simple and it takes the place of having to spend your day driving to all the different Las Vegas insurance agencies. Comparing Dodge Journey insurance rate quotes online eliminates this option unless you want the extra assistance that can only be provided by a licensed insurance agent. However, consumers can obtain prices from the web but purchase the actual policy in an agency.

The following companies are our best choices to provide free quotes in Nevada. If several companies are displayed, we recommend you compare several of them to get the most competitive price.

Dodge Journey Insurance Rate Estimates in Las Vegas, NV
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Journey SE 2WD $228 $406 $348 $20 $104 $1,106 $92
Journey SXT 2WD $150 $268 $290 $18 $86 $812 $68
Journey R/T 2WD $212 $318 $314 $18 $94 $956 $80
Journey SXT Crew 2WD $258 $494 $348 $20 $104 $1,224 $102
Journey SXT AWD $184 $310 $416 $24 $124 $1,058 $88
Journey R/T AWD $188 $392 $348 $20 $104 $1,052 $88
Journey SXT Crew AWD $198 $350 $318 $18 $96 $980 $82
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Prices above based on married male driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Nevada minimum liability limits. Discounts applied include claim-free, multi-vehicle, homeowner, multi-policy, and safe-driver. Prices do not factor in Las Vegas location which can alter prices greatly.

Policy deductibles

The illustration below demonstrates how deductibles and can affect Dodge Journey insurance rates for each different age group. The premiums assume a single female driver, full coverage, and no discounts are applied.

Reckless driving habits raise auto insurance rates

The diagram below illustrates how violations and accidents increase Dodge Journey auto insurance costs for different age groups. The information is based on a married male driver, comp and collision included, $1,000 deductibles, and no policy discounts are applied.

Higher deductibles lower rates

One of the most common auto insurance questions is how low should you set your deductibles. The comparisons below can help show the price difference when you choose different insurance deductibles. The first set of rates uses a $250 deductible for comprehensive and collision coverage and the second rate chart uses a $500 deductible.

Dodge Journey insurance prices with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Journey SE 2WD $238 $330 $308 $18 $92 $1,011 $84
Journey SXT 2WD $238 $402 $308 $18 $92 $1,083 $90
Journey R/T 2WD $268 $402 $308 $18 $92 $1,113 $93
Journey SXT Crew 2WD $268 $402 $308 $18 $92 $1,113 $93
Journey SXT AWD $268 $402 $308 $18 $92 $1,113 $93
Journey R/T AWD $268 $472 $308 $18 $92 $1,183 $99
Journey SXT Crew AWD $268 $472 $308 $18 $92 $1,183 $99
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Dodge Journey insurance prices with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Journey SE 2WD $194 $266 $308 $18 $92 $878 $73
Journey SXT 2WD $194 $324 $308 $18 $92 $936 $78
Journey R/T 2WD $218 $324 $308 $18 $92 $960 $80
Journey SXT Crew 2WD $218 $324 $308 $18 $92 $960 $80
Journey SXT AWD $218 $324 $308 $18 $92 $960 $80
Journey R/T AWD $218 $382 $308 $18 $92 $1,018 $85
Journey SXT Crew AWD $218 $382 $308 $18 $92 $1,018 $85
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Price data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Nevada minimum liability limits. Discounts applied include claim-free, safe-driver, multi-policy, multi-vehicle, and homeowner. Information does not factor in specific garaging location which can alter premium rates significantly.

Based on these figures, using a $250 deductible would cost the average driver about $13 more each month or $156 each year than quoting the higher $500 deductible. Because you would pay $250 more to settle a claim with a $500 deductible as compared to a $250 deductible, if you tend to have at a minimum 19 months between claim filings, you would probably come out ahead if you choose the higher deductible. The numbers below show an example of how this calculation is made.

Average monthly premium for $250 deductibles: $93
Average monthly premium for $500 deductibles (subtract): - $80
Monthly savings from raising deductible: $13
Difference between deductibles ($500 - $250): $250
Divide difference by monthly savings: $250 / $13
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 19 months

One important issue to know is that raising deductibles to get cheaper rates means you will have to pay more when you have a comprehensive or collision claim. It will be required that you have some extra savings in the event you have to pay the deductible to have repairs made.

These five discounts can slash Dodge Journey insurance rates

Companies don't always publicize all their discounts in a way that's easy to find, so the following is a list of a few of the more well known and also the lesser-known discounts you could be receiving when you buy Las Vegas auto insurance online. If you check and find you aren't receiving every discount available, you are paying more than you should be.Cheaper insurance with discounts

It's important to understand that most credits do not apply to the entire cost. Most only apply to specific coverage prices like medical payments or collision. Even though the math looks like adding up those discounts means a free policy, it just doesn't work that way.

A list of insurance companies and a summarized list of policyholder discounts include:

When getting free Las Vegas auto insurance quotes, it's a good idea to all the companies to give you their best rates. Some credits may not be available in Las Vegas. To find insurance companies with discount insurance rates in Nevada, click this link.

Car insurance does more than just protect your car

Even though Las Vegas Journey insurance rates can get expensive, buying car insurance is not optional due to several reasons.

First, almost all states have mandatory insurance requirements which means it is punishable by state law to not carry specific minimum amounts of liability in order to be legal. In Nevada these limits are 15/30/10 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.

Second, if you have a lien on your vehicle, almost every bank will make it a condition of the loan that you have physical damage coverage to protect their interest in the vehicle. If coverage lapses or is canceled, the lender may have to buy a policy to insure your Dodge at an extremely high rate and force you to pay for the much more expensive policy.

Third, insurance safeguards both your Dodge Journey and your assets. It will also provide coverage for medical expenses for yourself as well as anyone injured by you. One policy coverage, liability insurance, also pays expenses related to your legal defense in the event you are sued. If your Dodge gets damaged, your policy will pay to repair the damage.

The benefits of buying car insurance more than offset the price you pay, particularly when you have a large claim. Today the average American driver is overpaying more than $869 every year so it's recommended you shop around at every renewal to be sure current rates are still competitive.

What is the best car insurance coverage?

When quoting and choosing the right insurance coverage for your vehicles, there is no "perfect" insurance plan. Everyone's needs are different and your policy should reflect that.Drive safe and save For instance, these questions might help in determining whether or not you would benefit from an agent's advice.

If it's difficult to answer those questions then you might want to talk to a licensed insurance agent. To find lower rates from a local agent, take a second and complete this form or you can go here for a list of companies in your area. It is quick, free and you can get the answers you need.

When to contact a local insurance agent

Many people would rather talk to an insurance agent and that is just fine! Good agents can point out coverage gaps and help file insurance claims. A nice benefit of price shopping on the web is that you can find lower rates and still choose a local agent. Putting coverage with neighborhood insurance agencies is important especially in Las Vegas.

Insurance agency in Las VegasBy using this form (opens in new window), your insurance coverage information is sent to insurance agents in Las Vegas who will gladly provide quotes for your insurance coverage. There is no need to search for any insurance agencies as quotes are delivered to the email address you provide. In the event you want to get a comparison quote from a specific company, you would need to search and find their rate quote page and give them your coverage information.

Selecting an insurance company should depend on more than just the price. Here are some questions you might want to ask.

After talking to the agent and getting satisfactory answers to all your questions as well as offering an affordable quote, it's possible that you found a company that meets the requirements to provide insurance coverage.

Auto insurance coverage information

Knowing the specifics of insurance can be of help when determining the best coverages and proper limits and deductibles. The coverage terms in a policy can be ambiguous and even agents have difficulty translating policy wording. Shown next are typical coverages found on the average insurance policy.

Insurance for medical payments - Med pay and PIP coverage kick in for expenses for surgery, funeral costs, ambulance fees, X-ray expenses and nursing services. They are used in conjunction with a health insurance policy or if you lack health insurance entirely. They cover all vehicle occupants and also covers being hit by a car walking across the street. Personal injury protection coverage is not available in all states but it provides additional coverages not offered by medical payments coverage

Uninsured Motorist or Underinsured Motorist insurance - This coverage protects you and your vehicle when the "other guys" do not carry enough liability coverage. Covered claims include injuries to you and your family as well as your vehicle's damage.

Since many Nevada drivers only carry the minimum required liability limits (15/30/10 in Nevada), it doesn't take a major accident to exceed their coverage limits. So UM/UIM coverage should not be overlooked. Most of the time your uninsured/underinsured motorist coverages are identical to your policy's liability coverage.

Collision coverages - Collision coverage pays for damage to your Journey resulting from a collision with another car or object. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision can pay for things like damaging your car on a curb, crashing into a ditch and colliding with another moving vehicle. Paying for collision coverage can be pricey, so you might think about dropping it from older vehicles. It's also possible to bump up the deductible on your Journey in order to get cheaper collision rates.

Auto liability insurance - Liability coverage provides protection from damages or injuries you inflict on a person or their property in an accident. This insurance protects YOU against claims from other people, and doesn't cover your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see liability limits of 15/30/10 which means a $15,000 limit per person for injuries, a per accident bodily injury limit of $30,000, and a limit of $10,000 paid for damaged property. Another option is one number which is a combined single limit which provides one coverage limit and claims can be made without the split limit restrictions.

Liability insurance covers claims like pain and suffering, medical expenses, attorney fees, repair bills for other people's vehicles and legal defense fees. How much coverage you buy is a personal decision, but consider buying as large an amount as possible. Nevada state law requires minimum liability limits of 15/30/10 but you should consider buying more coverage.

Comprehensive coverage (or Other than Collision) - Comprehensive insurance coverage pays to fix your vehicle from damage from a wide range of events other than collision. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against things such as damage from a tornado or hurricane, falling objects and hitting a bird. The maximum amount your insurance company will pay is the cash value of the vehicle, so if the vehicle is not worth much consider dropping full coverage.