Buying cheap coverage for a Dodge Journey in New Jersey is pretty easy for most people, but it depends on a pretty complex algorithm that uses a lot of factors such as whether you are a homeower, if you are a frequent claim filer, and citations on your driving record. New Jersey drivers pay approximately $1,338 each year to insure their Journey, but that cost is calculated based on a 50-year-old single female driver with full coverage and $500 deductibles.
If we were betting, you aren't exactly 50 years old or even a female, married instead of single, and you want different coverage limits than the example. Even a minor change in the rating criteria used to formulate rates could end up with a large change in the cost of insurance for a Dodge Journey.
There is no one cookie-cutter policy that works for everyone, so the best method for finding the cheapest rates for your Dodge is to compare rates from as many companies as possible. It only takes a couple of minutes and you will be able to see rates from some of the cheapest companies that sell coverage in New Jersey.
The trim level of your vehicle impacts the cost of insurance, so the price you will pay to insure a Journey SE 2WD trim level will be $210 cheaper than the cost to insure the fancier Journey SXT Crew AWD model, as shown by the rates below.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Journey SE 2WD||$260||$406||$544||$32||$162||$1,404||$117|
|Journey SXT 2WD||$260||$494||$544||$32||$162||$1,492||$124|
|Journey R/T 2WD||$294||$494||$544||$32||$162||$1,526||$127|
|Journey SXT Crew 2WD||$294||$494||$544||$32||$162||$1,526||$127|
|Journey SXT AWD||$294||$494||$544||$32||$162||$1,526||$127|
|Journey R/T AWD||$294||$582||$544||$32||$162||$1,614||$135|
|Journey SXT Crew AWD||$294||$582||$544||$32||$162||$1,614||$135|
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Data based on single female driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and New Jersey minimum liability limits. Discounts applied include multi-vehicle, multi-policy, claim-free, safe-driver, and homeowner. Rates do not factor in vehicle garaging location which can raise or lower coverage rates greatly.
Finding dependable, low-cost insurance is not easy, and figuring out which company has the best insurance rates for a Dodge Journey will require even more rate comparisons. Every auto insurer uses their own calculation to set policy rates, so first we will examine the most competitive insurance companies in Jersey City, NJ.
It's a good idea to know that Jersey City insurance rates are determined by lots of factors that control the cost of a policy. This price variation is why it is so important to compare many different companies to get the lowest car insurance rates for a Dodge Journey. Rates are determined by many different factors and can decrease or increase without notice, so the lowest-price company three years ago may now cost much more than other companies.
Find Cheaper Car Insurance for Your Dodge
21st Century quotes some of the cheapest car insurance rates in Jersey City at around $1,100 a year. Travelers, New Jersey Manufacturers, Penn National, and Palisades are also some of the cheapest Jersey City, NJ auto insurance companies.
As shown in the table above, if you are currently insured with Penn National and switched to Travelers, you might achieve a yearly savings of in the vicinity of $221. Policyholders with Palisades may save as much as $237 a year, and California Casualty insureds might lower prices by up to $292 a year.
To find out how your current rates compare, click here to start your free quote or visit several of the following companies.
It's important to note that these premiums are averaged for all drivers and vehicles and and are not figured with an exact location for a Dodge Journey. So the insurer that can offer you the best price may not even be in the top 19 companies shown above. That emphasizes why you need to get auto insurance quotes using your own driver and vehicle profiles.
Get discounts on Jersey City insurance rates
Auto insurance companies that provide coverage for a Dodge Journey could also offer price discounts that could lower prices by as much as 40% or more if you can meet the requirements. A few of the larger companies and a selection of discounts include:
- State Farm offers discounts for defensive driving training, good driver, multiple autos, multiple policy, Drive Safe & Save, anti-theft, and Steer Clear safe driver discount.
- Liberty Mutual may include discounts for multi-policy, teen driver discount, good student, newly retired, new vehicle discount, preferred payment discount, and exclusive group savings.
- American Family discounts include multi-vehicle, Steer into Savings, mySafetyValet, good student, good driver, accident-free, and air bags.
- Progressive may offer discounts for good student, online signing, multi-policy, homeowner, and continuous coverage.
- Farmers Insurance may have discounts that include business and professional, bundle discounts, good student, pay in full, alternative fuel, early shopping, and switch companies.
- Auto-Owners Insurance has savings for safe driver, anti-lock brakes, teen driver, anti-theft, good student, and multiple vehicles.
- SAFECO has discounts for anti-lock brakes, safe driver, multi-car, bundle discounts, and homeowner.
The information below shows the comparison of insurance prices with and without discounts applied to the premium. The costs are based on a male driver, no accidents or driving violations, New Jersey state minimum liability limits, comprehensive and collision coverage, and $250 deductibles.
The first bar for each age group shows the average rate with no discounts. The second shows the rates with accident-free, vehicle safety, multiple policy, safe-driver, marriage, and claim-free discounts applied. When discounts are factored in, theamount saved on insurance for a Dodge Journey is 28% or $900.
The importance of shopping around
New Jersey insurance rates are impacted by many factors which can substantially decrease or increase the policy premium. Simply having a birthday, having a teen driver, or getting into an accident may cause policy rate changes that may make certain companies affordable when they were higher priced.
Also, insurers file new New Jersey auto insurance rates at least once a year in order to remain profitable. Higher than normal claim frequency or severity may cause rate increases, while profitable underwriting can produce lower-cost Journey insurance rates.
To illustrate this example, the graph below demonstrates which company has the cheapest car insurance in Jersey City, NJ for a 40-year-old male driver with no prior claims, no tickets, and a good credit history. If we estimate prices based on his current risk factors, 21st Century may have the cheapest car insurance rates in Jersey City at $1,451 annually. This is $401 less than the average premium paid by New Jersey drivers of $1,852. Travelers, New Jersey Manufacturers, Penn National, and Palisades are the remaining cheapest Jersey City, NJ auto insurance companies.
The example below compares rates after we give the driver from the first rate comparison an accident surcharge, less-than-perfect credit, and a couple of points charged on his driving record. Because each insurer has a proprietary method to set policy rates, analyzing rates may now present a different ranking of the cheapest Jersey City car insurance companies as shown below.
The Hartford now has the best insurance rate in Jersey City, NJ with Allstate, USAA, Mercury, and Travelers also having competitive pricing. This demonstrates why drivers need to compare rates when trying to get the most budget-friendly insurance quotes for a Dodge Journey.
Auto insurance prices consist of many different factors and can change without notice, so the most economical company when you bought your policy may now cost much more than other companies.
The agents listed below are a good start to help you decide which auto insurance coverages would be the best in your situation, since some drivers wish to have some professional guidance when shopping around for cheaper insurance for a Journey. It's not always simple to find coverage yourself, so insurance agents can bring satisfaction knowing you have suitable coverage if you have an accident.
To locate a Jersey City insurance agent in your neighborhood, click the button below the list.
MOMS Insurance Agency
155 Martin Luther King Dr B - Jersey City, NJ 07305 - (201) 451-3200
582 West Side Ave - Jersey City, NJ 07304 - (201) 209-1306
Sam's Insurance and Travel
3396 John F. Kennedy Blvd - Jersey City, NJ 07307 - (201) 659-6800
All Insurance Services Inc
574 Newark Ave - Jersey City, NJ 07306 - (201) 963-8888