Compare Dodge Journey Insurance Quotes in Mesa

It’s an obvious assumption that car insurance companies don’t want customers comparing rates. People who compare rates once a year are highly likely to switch to a new company because of the good chance of finding coverage at a more affordable price. Surprisingly, a recent survey revealed that people who compared rates regularly saved about $3,400 over four years compared to people who never shopped around for cheaper prices.

If finding low prices for Dodge Journey insurance is your target objective, then learning a little about the best way to compare auto insurance can save money and time.

The best way we recommend to get budget car insurance rates is to annually compare prices from companies who sell auto insurance in Mesa.

Step 1: Try to understand policy coverages and the factors you can control to drop your rates. Many rating factors that increase rates like at-fault accidents, speeding tickets, and a poor credit score can be improved by making minor changes in your lifestyle. Read the full article for the details to get low prices and get additional discounts.

Step 2: Compare prices from direct, independent, and exclusive agents. Direct and exclusive agents can give quotes from one company like Progressive or State Farm, while independent agents can provide rate quotes for a wide range of companies.

Step 3: Compare the new rate quotes to your current policy and see if you can save money. If you find a lower rate quote and buy the policy, make sure there is no lapse between the expiration of your current policy and the new one.

The key aspect of shopping around is to try to use identical deductibles and limits on each quote and and to get rates from as many different insurance providers as possible. This ensures a fair rate comparison and a complete rate analysis.

The easiest way to get rate comparisons for Dodge Journey insurance in Mesa is to take advantage of the fact most of the bigger providers will pay a fee to quote your coverage. All you need to do is give the companies some data such as any included safety features, how much school you completed, the ages of drivers, and if you have an active license. Those rating factors is submitted instantly to multiple top-rated companies and you should receive rate quotes with very little delay.

To get price quotes for your Dodge Journey now, click here and see if a lower rate is available in Mesa.

The companies shown below offer free rate quotes in Mesa, AZ. In order to find the cheapest car insurance in Mesa, AZ, we recommend you visit as many as you can to find the lowest car insurance rates.

Do you qualify for discounts on Dodge Journey insurance in Mesa?

Car insurance can be pricey, but you can get discounts that you may not even know about. Certain reductions will be credited at the time you complete a quote, but occasionally some discounts must be asked about in order for you to get them.

• Theft Deterrent System – Anti-theft and alarm system equipped vehicles are less likely to be stolen so companies will give you a small discount.
• Responsible Drivers – Drivers who don’t get into accidents may receive a discount up to 45% than drivers with accidents.
• Discount for New Cars – Putting insurance on a new Journey can save you some money because newer models keep occupants safer.
• Sign Early and Save – A few car insurance companies offer discounts for switching to them before your current Journey insurance policy expires. You can save around 10% with this discount.
• Discounts for Multiple Vehicles – Having all your vehicles on a single policy can get a discount for every vehicle.

Policy discounts save money, but most of the big mark downs will not be given to the whole policy. Most cut the cost of specific coverages such as medical payments or collision. Just because it seems like you can get free auto insurance, you aren’t that lucky.

The example below compares Dodge Journey premium costs with and without discounts applied. The costs are based on a female driver, no accidents, no driving violations, Arizona state minimum liability limits, full physical damage coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with claim-free, multi-policy, safe-driver, homeowner, multi-car, and marriage discounts applied.

Popular car insurance companies and their offered discounts include:

• GEICO may have discounts that include anti-lock brakes, federal employee, military active duty, air bags, daytime running lights, defensive driver, and driver training.
• Mercury Insurance offers premium reductions for professional/association, good student, type of vehicle, multi-policy, ease of repair, age of vehicle, and multi-car.
• Farmers Insurance offers discounts for multi-car, pay in full, homeowner, distant student, mature driver, switch companies, and good student.
• Auto-Owners Insurance offers discounts including company car, multi-policy, air bags, safe driver, and paperless.
• Liberty Mutual has discounts for multi-policy, newly retired, multi-car, good student, exclusive group savings, and new move discount.
• SAFECO has savings for anti-theft, bundle discounts, homeowner, teen safety rewards, anti-lock brakes, and safe driver.
• Progressive includes discounts for homeowner, online signing, online quote discount, multi-policy, and multi-vehicle.
• USAA policyholders can earn discounts including good student, multi-vehicle, vehicle storage, family discount, new vehicle, loyalty savings, and multi-policy.

When getting a coverage quote, ask each company to give you their best rates. A few discounts may not be available in your area. To find providers who offer cheap Dodge Journey insurance quotes in Arizona, click this link.

Statistics and details

The information displayed below covers different insurance policy prices for Dodge Journey models. Understanding more about how premiums are determined can help guide drivers when making smart choices when comparing insurance rates.

Prices above based on married female driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Arizona minimum liability limits. Discounts applied include multi-vehicle, multi-policy, safe-driver, claim-free, and homeowner. Table data does not factor in your specific Mesa location which can change price quotes noticeably.

Deductible analysis

One common question asked by Mesa drivers is the level to set your comp and collision deductibles. The following tables highlight the rate fluctuation when you buy lower versus higher comp and collision deductibles. The first table uses a $250 deductible for comp and collision and the second price grid uses a $500 deductible.

Prices above based on married male driver age 30, no speeding tickets, no at-fault accidents, and Arizona minimum liability limits. Discounts applied include homeowner, claim-free, safe-driver, multi-vehicle, and multi-policy. Rate information does not factor in specific garaging location which can increase or decrease rates substantially.

Based on the figures above, using a $250 deductible could cost the average driver approximately $12 more each month or $144 each year averaged for all Journey models than buying the higher $500 deductible. Due to the fact that you would have to pay $250 more to file a claim with a $500 deductible as compared to a $250 deductible, if you tend to go more than 21 months between claim filings, you would probably save some money by selecting a higher deductible.

The example below demonstrates how deductible levels and can impact Dodge Journey yearly insurance costs for different age groups. The rates are based on a married female driver, comp and collision included, and no other discounts are factored in.

Males versus Females

The information below visualizes the comparison of Dodge Journey car insurance costs for male and female drivers. The premium estimates are based on no violations or accidents, comp and collision included, $500 deductibles, drivers are single, and no discounts are applied.

Difference between liability only and full coverage rates

The illustration below compares Dodge Journey annual premium costs with full coverage compared to only the Arizona minimum liability coverage. The premiums are based on no violations or claims, $100 deductibles, single status, and no discounts are applied to the premium.

Guidelines for eliminating full coverage

There is no set guideline to eliminate full coverage on your policy, but there is a general convention. If the annual cost of coverage is more than 10% of the vehicle’s replacement cost less your deductible, then you might consider buying liability only.

For example, let’s pretend your Dodge Journey replacement value is $5,000 and you have $1,000 physical damage deductibles. If your vehicle is totaled in an accident, the most your company would pay you is $4,000 after paying your policy deductible. If you are paying in excess of $400 a year for full coverage, then it could be time to drop full coverage.

There are some cases where only buying liability is not in your best interest. If you still owe money on your vehicle, you have to maintain full coverage in order to prevent your loan from defaulting. Also, if you cannot afford to purchase a different vehicle if your current one is damaged, you should not eliminate full coverage.