Auto Insurance Rate Quotes for a Dodge Journey in Jersey City

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.

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.

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.

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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