Buying cheap car insurance for a Dodge Journey depends on a lot of rating criteria such as how safe your vehicle is, your credit score, and any past driving violations you may have had. Drivers pay around $1,298 a year for Journey insurance, but that figure is an estimation based on a 30-year-old married male driver with full physical damage coverage and $100 deductibles.
The problem with using this number is the good chance you’re not a 30-year-old male, maybe you are single instead of married, or maybe you have a teenager that needs to be on your policy. Auto insurance is unique to each driver, so the only real way to find cheap insurance prices for your Dodge is to do the rate comparisons yourself.
The trim level of your vehicle will influence the coverage cost, so the rate you will pay to insure a Journey SE 2WD model will cost $254 less than the price to insure the more costly Journey SXT Crew AWD version, as shown in the chart below.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Journey SE 2WD||$328||$486||$382||$22||$114||$1,332||$111|
|Journey SXT 2WD||$328||$592||$382||$22||$114||$1,438||$120|
|Journey R/T 2WD||$370||$592||$382||$22||$114||$1,480||$123|
|Journey SXT Crew 2WD||$370||$592||$382||$22||$114||$1,480||$123|
|Journey SXT AWD||$370||$592||$382||$22||$114||$1,480||$123|
|Journey R/T AWD||$370||$698||$382||$22||$114||$1,586||$132|
|Journey SXT Crew AWD||$370||$698||$382||$22||$114||$1,586||$132|
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Premium data assumes married male driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and Texas minimum liability limits. Discounts applied include safe-driver, multi-policy, claim-free, multi-vehicle, and homeowner. Price estimates do not factor in the specific area where the vehicle is garaged which can modify prices noticeably.
Finding good, low-priced car insurance is not most people’s favorite thing to do, and figuring out which company has the lowest-priced auto insurance rates for a Dodge Journey calls for more quotes for comparison.
Each insurer has a proprietary method for setting prices, so first let’s look at the rankings for the most budget-friendly auto insurance companies in Dallas. Keep in mind that Texas auto insurance rates are influenced by many factors that will increase or decrease the cost of your policy. This price fluctuation is why drivers need to compare lots of rates when trying to get the cheapest auto insurance rates for a Dodge Journey. Prices consist of many risk factors and change substantially, so the best price the last time you checked may now be an over-priced policy.
Lowest Insurance Price Quotes for Your Dodge
Travelers may offer some of the most affordable car insurance rates in Dallas at around $1,010 per year. USAA, Texas Farm Bureau, Germania Mutual, and Esurance would also be considered some of the more affordable Dallas, TX auto insurance companies.
As shown in the table above, if you currently have a policy with Germania Mutual and switched to USAA, you could see an annual premium reduction of around $199. Insureds with Esurance may save as much as $270 a year, and California Casualty insureds might realize rate reductions of up to $343 a year.
Be aware that those prices are averages across all types of drivers and the different vehicles they drive and and are not figured with an exact vehicle garaging location for a Dodge Journey. So the insurer that fits your situation best may not even be in the top 23 companies shown above. That emphasizes why you need to get car insurance quotes using your own driver and vehicle profiles.
The chart below shows how choosing a deductible can change insurance costs when quoting cheap insurance for a Dodge Journey. The costs are based on a married female driver, comp and collision included, and no discounts are taken into consideration.
The data above shows that a 40-year-old driver could reduce rates by $320 a year by switching the physical damage coverage from a $100 deductible up to a $500 deductible, or save $486 by selecting a $1,000 deductible. Even younger drivers, like the 20-year-old example, could lower their rates $802 each year by selecting a higher deductible.
When raising deductibles, it is a good idea to have enough spare savings to enable you to cover the extra out-of-pocket expense, which is the one shortcoming of high deductibles.
Get discounts on Dallas auto insurance
Auto insurance companies that provide coverage for a Dodge Journey may also give you price discounts that may potentially lower prices by as much as 35% or more if you meet specific eligibility requirements. The best auto insurance companies and a summarized list of policyholder discounts can be read below.
- The Hartford may offer discounts for vehicle fuel type, driver training, defensive driver, good student, bundle, and air bag.
- American Family policyholders can earn discounts including bundled insurance, TimeAway discount, good student, air bags, mySafetyValet, defensive driver, and multi-vehicle.
- Progressive offers discounts including continuous coverage, online quote discount, multi-policy, multi-vehicle, homeowner, and online signing.
- Travelers may include discounts for multi-car, student away at school, payment discounts, early quote, driver training, and IntelliDrive.
- Farmers Insurance has savings for mature driver, bundle discounts, switch companies, homeowner, early shopping, electronic funds transfer, and teen driver.
- USAA offers premium reductions for multi-vehicle, driver training, safe driver, annual mileage, and vehicle storage.
- Liberty Mutual offers discounts for new vehicle discount, safety features, multi-policy, new move discount, and preferred payment discount.
The information below shows the comparison of insurance prices with and without discounts applied to the rates. The information is based on a female driver, no claims, a clean driving record, Texas state minimum liability limits, comp and collision included, and $250 deductibles.
The first bar for each age group shows the average annual price with no discounts. The lower bar shows the rates with defensive driving course, multiple vehicle, anti-theft, safe-driver, marriage, and accident-free discounts applied. When these discounts are applied, the average amount saved on auto insurance for a Dodge Journey is 28% or $580.
Do you need full coverage?
Paying a lower price for auto insurance is important to the majority of drivers, and one common way to lower the cost of insurance for a Dodge Journey is to not buy full coverage. The example below illustrates the comparison of insurance premiums with and without physical damage coverage. The premium estimates are based on no accidents or driving violations, $500 deductibles, drivers are single, and no discounts are taken into consideration.
If we average all the age groups together, full coverage on your policy costs $1,991 per year over and above liability coverage. At some point, every insured wonders if you should buy full coverage. There is no clear-cut formula for eliminating physical damage insurance, but there is a general convention. If the yearly cost for physical damage coverage is 10% or more of the replacement cost of your vehicle minus the policy deductible, then you might want to consider buying only liability coverage.
For example, let’s say your vehicle’s claim settlement value is $5,000 and you have $1,000 policy deductibles. If your vehicle is totaled in an accident, you would only receive $4,000 after you pay the deductible. If you are paying more than $400 a year for physical damage coverage, the it may be a good time to stop paying for full coverage.
There are a few situations where removing full coverage is not advised. If you still owe money on your vehicle, you have to keep full coverage to protect the lienholder’s interest. Also, if your emergency fund is not enough to purchase a different vehicle if your current one is damaged, you should maintain full coverage.
If you aren’t sure which coverage you need and prefer to get some professional advice when shopping for the best coverage for a Dodge Journey, the agents listed below can probably help you determine which coverages you need. To locate a Dallas car insurance agency close to where you live, click the button link following the list.
Scott Beseda – State Farm Insurance Agent
4411 Lemmon Ave #203 – Dallas, TX 75219 – (214) 219-6610
Allstate Insurance: Jonathan Crisler
1350 N Buckner Blvd #218 – Dallas, TX 75218 – (214) 324-7676
Brent Holtz – State Farm Insurance Agent
3427 E Trinity Mills Rd #601 – Dallas, TX 75287 – (972) 306-1234