Best Ways to Save on Raleigh Dodge Journey Insurance

It’s shocking but nearly 70% of consumers have been with the same company for at least four years, and just short of a majority have never compared rates from other carriers. Consumers in North Carolina could save an average of nearly 10% each year by just shopping around, but they don’t want to spend time to compare other rate quotes.

Insurance quote for Dodge Journey in RaleighIf saving the most money is your goal, then the best way to find discount car insurance rates is to start doing an annual price comparison from companies in Raleigh.

A valuable tip to remember is to use identical coverages on each quote request and and to get price quotes from as many different insurance providers as possible. This provides a fair rate comparison and many rates to choose from.

The companies shown below offer free quotes in North Carolina. If multiple companies are listed, it’s highly recommended you visit several of them to get the best price comparison.

Discounts for cheap car insurance quotes

Some companies don’t list the complete list of policy discounts very clearly, so we break down some of the more common in addition to some of the lesser obvious credits that you can use to lower your rates.Cheaper car insurance with discounts

Drivers should understand that most credits do not apply to all coverage premiums. Most only reduce specific coverage prices like collision or personal injury protection. So when the math indicates adding up those discounts means a free policy, car insurance companies aren’t that generous.

The chart below visualizes the comparison of Dodge Journey car insurance rates with and without discounts applied. The premium estimates are based on a male driver, no claims or driving violations, North Carolina state minimum liability limits, comprehensive and collision coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with safe-driver, multi-car, multi-policy, claim-free, marriage, and homeowner discounts applied.

Companies and their possible discounts are:

If you are trying to find affordable Raleigh car insurance quotes, ask every insurance company which credits you are entitled to. A few discounts may not be offered in Raleigh. To view insurers that provide some of the discounts listed above in Raleigh, click here.

Dodge Journey insurance analysis

The information displayed below covers estimates of insurance coverage prices for Dodge Journey models. Having a good grasp of how auto insurance prices are figured can be valuable when making smart choices when purchasing an insurance policy.

Dodge Journey Insurance Rates in Raleigh, NC
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Journey SE 2WD $150 $242 $324 $20 $96 $832 $69
Journey SXT 2WD $150 $296 $324 $20 $96 $886 $74
Journey R/T 2WD $170 $296 $324 $20 $96 $906 $76
Journey SXT Crew 2WD $170 $296 $324 $20 $96 $906 $76
Journey SXT AWD $170 $296 $324 $20 $96 $906 $76
Journey R/T AWD $170 $348 $324 $20 $96 $958 $80
Journey SXT Crew AWD $170 $348 $324 $20 $96 $958 $80
Get Your Own Custom Quote Go

Cost estimates assume single female driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and North Carolina minimum liability limits. Discounts applied include claim-free, multi-vehicle, safe-driver, multi-policy, and homeowner. Premium amounts do not factor in zip code location which can raise or lower premium rates noticeably.

Higher deductibles lower rates

When shopping for auto insurance, a common question is how high should the physical damage deductibles be. The tables below may aid in understanding the difference in cost between high and low comp and collision deductibles. The first set of rates uses a $250 physical damage coverage deductible and the second rate table uses a $1,000 deductible.

Dodge Journey insurance with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Journey SE 2WD $192 $266 $250 $14 $74 $821 $68
Journey SXT 2WD $192 $324 $250 $14 $74 $879 $73
Journey R/T 2WD $218 $324 $250 $14 $74 $905 $75
Journey SXT Crew 2WD $218 $324 $250 $14 $74 $905 $75
Journey SXT AWD $218 $324 $250 $14 $74 $905 $75
Journey R/T AWD $218 $382 $250 $14 $74 $963 $80
Journey SXT Crew AWD $218 $382 $250 $14 $74 $963 $80
Get Your Own Custom Quote Go

Dodge Journey insurance with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Journey SE 2WD $118 $168 $250 $14 $74 $624 $52
Journey SXT 2WD $118 $204 $250 $14 $74 $660 $55
Journey R/T 2WD $134 $204 $250 $14 $74 $676 $56
Journey SXT Crew 2WD $134 $204 $250 $14 $74 $676 $56
Journey SXT AWD $134 $204 $250 $14 $74 $676 $56
Journey R/T AWD $134 $240 $250 $14 $74 $712 $59
Journey SXT Crew AWD $134 $240 $250 $14 $74 $712 $59
Get Your Own Custom Quote Go

Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and North Carolina minimum liability limits. Discounts applied include multi-vehicle, multi-policy, homeowner, claim-free, and safe-driver. Rate information does not factor in specific location which can alter coverage rates noticeably.

Based on the figures above, using a $250 deductible will cost in the ballpark of $19 more each month or $228 a year averaged for all Journey models than requesting the higher $1,000 deductible. Due to the fact that you would have to pay $750 more out of your own pocket with a $1,000 deductible as compared to a $250 deductible, if you tend to average at least 39 months between claim filings, you would save more money if you elect the higher deductible. The table below shows an example of how you can make this decision for your own policy.

Average monthly premium for $250 deductibles: $75
Average monthly premium for $1,000 deductibles (subtract): – $56
Monthly savings from raising deductible: $19
Difference between deductibles ($1,000 – $250): $750
Divide difference by monthly savings: $750 / $19
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 39 months

One thing to note is that a higher deductible means you will have to pay more out-of-pocket if you have a claim. That will require enough disposable income in the event you have to pay the higher deductible.

The chart below demonstrates how deductibles and can affect Dodge Journey insurance rates for each age group. The rates are based on a married male driver, full coverage, and no discounts are applied.

Safe drivers pay cheaper rates

The information below shows how violations and at-fault claims impact Dodge Journey insurance prices for different age groups. The rates are based on a single female driver, comprehensive and collision coverage, $500 deductibles, and no discounts are taken into consideration.

Lower Your Raleigh Insurance Costs

Consumers need to have an understanding of the different types of things that help calculate insurance rates. If you understand what positively or negatively impacts your premiums, this allows you to make good choices that can earn you lower insurance prices. Multiple criteria are part of the equation when premium rates are determined. Some of the criteria are obvious like an MVR report, although some other factors are less apparent like your vehicle usage or how financially stable you are.

Prevent your car from being stolen – Buying a car that has a built-in theft deterrent system can get you a discount on your insurance. Theft deterrent systems like OnStar found on GM vehicles, advanced tracking like LoJack, and vehicle immobilization systems all hinder your car from being stolen.

Pleasure use or commuting – The more miles you rack up on your Dodge every year the more you’ll pay to insure it. Almost all companies price each vehicle’s coverage based upon how much you drive. Vehicles that do not get driven very much receive better premium rates than cars that get driven a lot. Having the wrong rating on your Journey is just wasting money. It’s a good idea to make sure your insurance policy states annual mileage.

Too many insurance claims drive up premiums – Insurance companies in North Carolina provide discounts to policyholders who are not frequent claim filers. If you file claims often, you can definitely plan on much higher rates or policy non-renewal. Insurance coverage is designed for major claims that would cause financial hardship.

How much liability coverage – A critical coverage on your policy, liability insurance is the protection if ever you are ruled to be at fault for damages from an accident. Your policy’s liability insurance provides legal defense coverage to defend your case. Liability insurance is pretty cheap compared to physical damage coverage, so insureds should have plenty of protection for their assets.

Avoid coverage lapses – Driving with no insurance can get you a ticket and companies may charge more for letting your insurance coverage expire. Not only will rates go up, not being able to provide proof of insurance may result in a fine, jail time, or a revoked license. You may need to prove you have insurance by filing a SR-22 with the North Carolina motor vehicle department.

Women tend to cost less – Statistics have proven that females take fewer risks when driving. However, this does not mean women are BETTER drivers than men. Both sexes cause fender benders in similar percentages, but the men cause more damage and cost insurance companies more money. Not only are claims higher, but men get cited for more serious violations such as DWI and reckless driving.

The illustration below shows the difference between Dodge Journey auto insurance rates for male and female drivers. The data is based on no claims or driving violations, comp and collision included, $100 deductibles, single status, and no discounts are applied.

The type of car you drive affects your rates – The type of vehicle you are insuring makes a substantial difference in your auto insurance rates. The lowest premiums are for lower cost passenger vehicles, but that’s not the only thing that factors into the final price.

The chart below uses these assumptions: married female driver age 50, full coverage with $500 deductibles, and no discounts or violations. The chart compares Dodge Journey insurance rates compared to other models of vehicles that have different performance risks.

How old are your drivers? – Inexperience drivers have been known to be easily distracted when behind the wheel so they pay higher insurance rates. Older people are more cautious drivers, tend to file fewer claims, and are generally more financially stable.

The following data assumes a single driver, full coverage with $1000 deductibles, and no discounts or violations.

Insurance loss data for a Dodge Journey – Insurance companies factor in historical loss data as a tool for profitable underwriting. Vehicles that the data shows to have increased losses will have increased rates.

The next table illustrates the collected loss data for Dodge Journey vehicles. For each coverage type, the claim probability for all vehicles, as an average, is equal to 100. Percentage numbers below 100 mean the vehicle has better than average losses, while values over 100 point to more losses or tendency to have higher losses.

Insurance Loss Ratings for Dodge Journey Vehicles
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

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

Insurance agencies are professional risk managers

Certain consumers would prefer to talk to a local agent and that can be a smart move Good insurance agents are very good at helping people manage risk and help file insurance claims. One of the best bonuses of getting free rate quotes online is you may find better rates and still buy from a local agent. And providing support for local agencies is still important in Raleigh.

By using this quick form, your insurance coverage information is instantly submitted to local insurance agents who will gladly provide quotes for your coverage. It simplifies rate comparisons since you won’t have to leave your house since rate quotes are delivered to your email. If you want to get a rate quote from a specific company, you just need to find their quoting web page and fill out the quote form the provide.

Best car insurance agent in Raleigh

If you want to use a reliable agent, it’s helpful to know the different types of agencies that you can choose from. Car insurance policy providers can be classified as either independent agents or exclusive agents depending on their employer. Either one can sell and service car insurance coverage, but it is important to understand the subtle differences because it may have an impact on the selection process.

Independent Car Insurance Agents (or Brokers)

These agents are not locked into one company and that allows them to write policies with an assortment of companies and possibly get better coverage at lower prices. To transfer your coverage to a different company, the agent simply finds a different carrier and that require little work on your part. When comparing rate quotes, you definitely need to compare prices from a few independent agents in order to compare the most rates. Most can insure with small mutual carriers which may have better rates.

Shown below is a small list of independent insurance agencies in Raleigh that may be able to provide rate quotes.

More insurance agents

Exclusive Agents

Agents of this type can only quote rates from one company and some examples include Allstate, State Farm and Farmers Insurance. They usually cannot place coverage with different providers so if the price isn’t competitive there isn’t much they can do. Exclusive agents are trained well on their products and sales techniques which helps overcome the inability to quote other rates. A lot of people buy from the same agent for years mainly due to the brand name and solid financial strength.

Shown below are exclusive insurance agents in Raleigh willing to provide price quote information.

More insurance agents

Choosing the best auto insurance agent requires you to look at more than just the price. Here are some questions you might want to ask.

Which is the best car insurance?

When quoting and comparing coverage online or from an agent for your personal vehicles, there really isn’t a cookie cutter policy. Every situation is different.Higher deductibles save money

These are some specific questions can aid in determining if you will benefit from professional help.

If it’s difficult to answer those questions but you think they might apply to your situation, then you may want to think about talking to an agent. To find an agent in your area, simply complete this short form. It’s fast, free and may give you better protection.

Affordable car insurance prices are available

In this article, we covered a lot of techniques to save on Dodge Journey insurance in Raleigh. It’s most important to understand that the more rate quotes you have, the better your chances of lowering your rates. Consumers could even find that the best prices are with a smaller regional carrier.

As you prepare to switch companies, it’s a bad idea to skimp on coverage in order to save money. Too many times, someone dropped physical damage coverage only to regret at claim time that saving that couple of dollars actually costed them tens of thousands. The proper strategy is to buy a smart amount of coverage at a price you can afford, not the least amount of coverage.

Lower-priced car insurance in Raleigh is attainable from both online companies in addition to many Raleigh insurance agents, so you should compare both to have the best rate selection. There are still a few companies who don’t offer rates over the internet and these regional carriers sell through independent agents.

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