Auto Insurance Rate Quotes for a Dodge Journey in Jersey City

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Insurance for Dodge JourneyThe most effective way to get budget Dodge Journey insurance is to do a yearly price comparison from different companies in Jersey City.

  1. Gain an understanding of how companies price auto insurance and the modifications you can make to prevent high rates. Many policy risk factors that are responsible for high rates such as accidents, traffic tickets, and bad credit can be eliminated by paying attention to minor details. Later in this article we will cover tips to get cheaper rates and find overlooked discounts.
  2. Request price quotes from independent agents, exclusive agents, and direct companies. Direct companies and exclusive agencies can only give rate quotes from a single company like Progressive or Farmers Insurance, while independent agents can quote prices from many different companies.
  3. Compare the quotes to the price on your current policy and determine if cheaper Journey coverage is available in Jersey City. If you can save money and switch companies, make sure there is no lapse between the expiration of your current policy and the new one.

A key point to remember is to make sure you enter similar deductibles and liability limits on each quote and and to get prices from every company you can. Doing this provides a fair price comparison and the best price selection.

A recent car insurance study revealed that nearly 70% of customers renewed their policy with the same company for more than four years, and almost 40% of drivers have never even shopped around for cheap coverage. U.S. insurance shoppers could save $859 every year, but they just don't understand how easy it is to compare other rate quotes.

If you have insurance now or are looking for a new policy, you can use these techniques to find the best rates without having to cut coverage. Our goal is to familiarize you with how to effectively get price quotes and some money-saving tips. Shoppers just have to learn the quickest way to find the lowest price online.

Most major insurance companies allow you to get insurance quotes online. Getting Dodge Journey insurance prices online is fairly straightforward because you just enter your coverage preferences into the form. Behind the scenes, their quoting system automatically orders your driving record and credit report and returns a price quote.

Using the web to get rates for Dodge Journey insurance in Jersey City streamlines rate comparisons, and it's very important to perform this step in order to find the most affordable possible premiums on insurance.

To save time and get comparison pricing now, compare rates now from the companies shown below. If you have coverage now, it's recommended you type in the coverage information as close as possible to your current policy. This way, you will have rate comparison quotes based on identical coverages.

The auto insurance companies shown below are our best choices to provide price quotes in New Jersey. If you want the cheapest car insurance in New Jersey, we suggest you visit as many as you can to get the cheapest price.

Dodge Journey coverage analysis

The price information below outlines estimates of coverage prices for Dodge Journey models. Having insight into how car insurance prices are formulated can help drivers make decisions on which insurance to purchase.

Dodge Journey Insurance Rates in Jersey City, NJ
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Journey SE 2WD $460 $756 $648 $38 $194 $2,096 $175
Journey SXT 2WD $460 $918 $648 $38 $194 $2,258 $188
Journey R/T 2WD $518 $918 $648 $38 $194 $2,316 $193
Journey SXT Crew 2WD $518 $918 $648 $38 $194 $2,316 $193
Journey SXT AWD $518 $918 $648 $38 $194 $2,316 $193
Journey R/T AWD $518 $1082 $648 $38 $194 $2,480 $207
Journey SXT Crew AWD $518 $1082 $648 $38 $194 $2,480 $207
Get Your Own Custom Quote Go

Data variables include single female driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and New Jersey minimum liability limits. Discounts applied include safe-driver, multi-policy, claim-free, homeowner, and multi-vehicle. Rate quotes do not factor in vehicle location which can decrease or increase premiums greatly.

Choosing deductibles

One of the most common insurance questions is the level to set your comp and collision deductibles. The premium rates below sum up the differences in price when you choose different physical damage coverage deductibles. The first rate quote example uses a $100 physical damage coverage deductible and the second data table uses a $1,000 deductible.

Dodge Journey insurance policy rates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Journey SE 2WD $414 $614 $480 $28 $144 $1,705 $142
Journey SXT 2WD $414 $746 $480 $28 $144 $1,837 $153
Journey R/T 2WD $466 $746 $480 $28 $144 $1,889 $157
Journey SXT Crew 2WD $466 $746 $480 $28 $144 $1,889 $157
Journey SXT AWD $466 $746 $480 $28 $144 $1,889 $157
Journey R/T AWD $466 $880 $480 $28 $144 $2,023 $169
Journey SXT Crew AWD $466 $880 $480 $28 $144 $2,023 $169
Get Your Own Custom Quote Go
Dodge Journey insurance policy rates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Journey SE 2WD $230 $324 $480 $28 $144 $1,206 $101
Journey SXT 2WD $230 $394 $480 $28 $144 $1,276 $106
Journey R/T 2WD $258 $394 $480 $28 $144 $1,304 $109
Journey SXT Crew 2WD $258 $394 $480 $28 $144 $1,304 $109
Journey SXT AWD $258 $394 $480 $28 $144 $1,304 $109
Journey R/T AWD $258 $464 $480 $28 $144 $1,374 $115
Journey SXT Crew AWD $258 $464 $480 $28 $144 $1,374 $115
Get Your Own Custom Quote Go

Prices above based on married male driver age 30, no speeding tickets, no at-fault accidents, and New Jersey minimum liability limits. Discounts applied include homeowner, claim-free, multi-vehicle, safe-driver, and multi-policy. Rate information does not factor in garaging location in Jersey City which can raise or lower prices noticeably.

Based on the figures above, using a $100 deductible costs approximately $49 more each month or $588 for a full year than selecting the higher $1,000 deductible. Due to the fact that you would have to pay $900 more out-of-pocket with a $1,000 deductible as compared to a $100 deductible, if you go more than 18 months between claims, you would probably be better off if you choose the higher deductible. Here is how you can make this decision for your own policy.

Average monthly premium for $100 deductibles: $158
Average monthly premium for $1,000 deductibles (subtract): - $109
Monthly savings from raising deductible: $49
Difference between deductibles ($1,000 - $100): $900
Divide difference by monthly savings: $900 / $49
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 18 months

The example below shows how choosing a deductible and can affect Dodge Journey premium costs for different age categories. The premium estimates are based on a single female driver, full physical damage coverage, and no discounts are applied.

Difference between full coverage and liability only rates

The illustration below illustrates the difference between Dodge Journey car insurance rates with full physical damage coverage compared to only buying liability only. The premiums are based on no violations or claims, $250 deductibles, single status, and no discounts are applied.

When to switch to liability coverage only

There is no set rule for eliminating physical damage coverage on your policy, but there is a broad guideline. If the annual cost of coverage is about 10% or more of the replacement cost of your vehicle minus the policy deductible, then you might consider buying liability only.

For example, let's pretend your Dodge Journey book value is $6,000 and you have $1,000 physical damage deductibles. If your vehicle is destroyed, the most your company would pay you is $5,000 after paying the physical damage deductible. If you are paying in excess of $500 annually for physical damage coverage, then it may be the right time to buy liability only.

There are some cases where eliminating full coverage is not in your best interest. If you still owe a portion of the original loan, you are required to maintain full coverage as part of the loan conditions. Also, if you can't afford to buy a different vehicle in the even your car is totaled, you should not remove full coverage.

Three reasons insurance is important

Despite the high insurance cost for a Dodge Journey in Jersey City, insurance is a good idea for several reasons.

  • Almost all states have mandatory insurance requirements which means state laws require a minimum amount of liability coverage in order to get the vehicle licensed. In New Jersey these limits are 15/30/5 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $5,000 of property damage coverage.
  • If you have a lien on your Journey, almost every bank will make it a condition of the loan that you have physical damage coverage to ensure loan repayment if the vehicle is totaled. If coverage lapses or is canceled, the bank may buy a policy for your Dodge for a much higher rate and require you to reimburse them the higher premium.
  • Insurance protects not only your car but also your financial assets. It will also cover many types of medical costs incurred in an accident. As part of your policy, liability insurance also covers legal expenses if you are sued as the result of your driving. If your car is damaged in a storm or accident, your policy will pay to restore your vehicle to like-new condition.

The benefits of carrying adequate insurance greatly outweigh the cost, particularly if you ever have a claim. Today the average American driver is wasting up to $820 a year so it's very important to do a rate comparison every year to be sure current rates are still competitive.

How You Can Control Dodge Journey Insurance Rates

A large part of saving on auto insurance is knowing a few of the rating criteria that help determine your premiums. If you know what determines premiums, this allows you to make good choices that can help you get lower premium levels. Lots of things are taken into consideration when premium rates are determined. Some of the criteria are obvious like a motor vehicle report, although others are less obvious such as whether you are married or your commute time.

The list below includes some of the things used by companies to determine your prices.

  • Extra policy coverages are wasting money - Insurance companies have many optional add-on coverages that may not really be needed on your auto insurance policy. Coverages like vanishing deductibles, better glass coverage, and extra life insurance coverage may be costing you every month. They may seem like a good idea when deciding what coverages you need, but if you have no use for them get rid of them and save.
  • Teenagers vs. older drivers - Older, more experienced drivers are shown to be more cautious, tend to cause fewer accidents, and get fewer tickets. Young drivers have been known to be more careless when driving so they pay higher auto insurance rates.

    The next chart uses these assumptions: single driver, full coverage with $100 deductibles, and no discounts or violations.

  • Gender and car insurance - Over the last 30 years, statistics show women tend to be less risk to insure than men. Now that doesn't mean men are worse drivers. Males and females cause at-fault accidents at about the same rate, but the men get into accidents with more damage. Not only that, but men also receive more costly citations such as DWI and reckless driving. Teenage male drivers have the highest risk to insure so they pay the highest premiums.

    The chart below illustrates the difference between Dodge Journey yearly insurance costs for male and female drivers. Data assumes no claims or driving violations, comprehensive and collision coverage, $100 deductibles, single marital status, and no additional discounts are factored in.

  • When should you not file insurance claims? - Insurance companies in New Jersey provide discounts to policyholders who do not file claims often. If you are a frequent claim filer, you can expect either a policy non-renewal or much higher rates. Insurance coverage is meant to be used in the event of larger claims.
  • Cautious drivers pay lower prices - A bad driving record has a lot to do with how much you pay for insurance. Getting just one chargeable violation can increase the cost of insurance by as much as twenty percent. Careful drivers get better rates than people who have multiple driving citations. Drivers with careless violations such as DUI or willful reckless driving may find that they have to to complete a SR-22 with their state motor vehicle department in order to legally drive.

    The example below demonstrates how citations and at-fault claims can affect Dodge Journey annual premium costs for each different age group. The rates are based on a single female driver, full coverage, $100 deductibles, and no discounts are applied.

  • Physical damage deductibles are a factor - Physical damage insurance, aka comp and collision, is used to repair damage to your vehicle. Some instances where coverage would apply are colliding with a building, collision with an animal, or theft. Your deductibles tell how much you are willing to pay out-of-pocket before your auto insurance pays a claim. The higher the amount the insured is willing to pay, the bigger discount you will receive.
  • Insurance losses for a Dodge Journey - Auto insurance companies analyze the history of losses to help determine rates. Models that have higher losses will have higher premium rates. The data below shows the insurance loss data for Dodge Journey vehicles.

    For each type of coverage, the claim probability for all vehicles, regardless of manufacturer or model, is represented as 100. Numbers shown that are under 100 suggest losses that are better than average, while numbers above 100 indicate a higher chance of having a claim or statistically larger claims.

    Auto Insurance Loss Data for Dodge Journey Models
    Vehicle Model Collision Property Damage Comp Personal Injury Medical Payment Bodily Injury
    Dodge Journey 4dr 2WD 80 92 80 148 163 131
    Dodge Journey 4dr 4WD 96 116 71 96
    BETTER
    AVERAGE
    WORSE

    Empty fields indicate not enough data collected
    Data Source: iihs.org (Insurance Institute for Highway Safety) for 2013-2015 Model Years

Insurance agents can help

Always keep in mind that when comparing adequate coverage for your personal vehicles, there really isn't a perfect coverage plan. You are unique.Higher deductibles save money

For example, these questions could help you determine if your situation might need an agent's assistance.

  • What is the rate difference between pleasure use and commuting?
  • Am I covered if I break a side mirror?
  • Do I pay less for low miles?
  • Should I waive the damage coverage when renting a car?
  • Why am I required to get a high-risk car insurance policy?
  • Do I get a pro-rated refund if I cancel my policy early?
  • When would I need additional glass coverage?
  • Am I covered if I drive in a foreign country?

If you can't answer these questions, you might consider talking to a licensed agent. If you don't have a local agent, complete this form. It's fast, doesn't cost anything and may give you better protection.

Compare but don't skimp

The cheapest Dodge Journey insurance in Jersey City is definitely available from both online companies and from local agencies, and you should be comparing both in order to have the best chance of saving money. Some insurance companies do not offer internet price quotes and most of the time these regional carriers only sell coverage through independent agencies.

As you quote Jersey City car insurance, it's not a good idea to sacrifice coverage to reduce premiums. In too many instances, an insured dropped liability coverage limits only to discover later that it was a big error on their part. Your strategy should be to get the best coverage possible at the best possible price, not the least amount of coverage.

People change insurance companies for a variety of reasons including delays in paying claims, policy non-renewal, an unsatisfactory settlement offer or even questionable increases in premium. It doesn't matter why you want to switch choosing a new company can be less work than you think.

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