Compare Dodge Journey Insurance Rates in Austin

Dodge Journey insurance image courtesy of QuoteInspector.com

How long has it been since you compared quotes for lower-priced Dodge Journey insurance in Austin? Consumers fed up with high insurance rates and are new to buying insurance coverage online could find purchasing the cheapest Dodge Journey insurance in Austin is harder than they anticipated.

Sad but true, nearly 70% of customers have been with the same company for at least four years, and practically 40% of car insurance customers have never compared rates from other carriers. The average driver in America could save themselves up to $850 a year just by getting comparison quotes, but most just don't grasp the rate savings if they just switched companies.

All the larger insurance companies provide pricing direct online. Getting quotes for Dodge Journey insurance in Austin is fairly simple as you just enter the amount of coverage you want on the page. Upon sending the form, the company's rating system orders your credit score and driving record and returns pricing information based on the data you entered.

Getting online quotes for Dodge Journey insurance in Austin simplifies rate comparisons, and it is imperative to have as many quotes as possible if you want to find lower-cost prices.

To find out if lower rates are available, compare rate quotes from the providers shown below. If you currently have coverage, we recommend you copy the coverages identical to your current policy. This way, you will have an apples-to-apples comparison for similar coverage.

The providers in the list below offer quotes in Texas. If the list has multiple companies, it's a good idea that you visit two to three different companies to get a more complete price comparison.

Prices above based on married female driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Texas minimum liability limits. Discounts applied include homeowner, multi-vehicle, claim-free, multi-policy, and safe-driver. Rates do not factor in specific garaging location which can affect coverage prices substantially.

Comparison of auto insurance rates by gender and age

The chart below compares Dodge Journey insurance rates for male and female drivers. The rate quotes are based on no tickets, no at-fault accidents, full physical damage coverage, $1,000 deductibles, drivers are single, and no policy discounts are applied.

Save with these discounts on Dodge Journey insurance in Austin

Insuring your fleet can be pricey, but you may find discounts to reduce the price significantly. Some of these discounts will be visible when you complete an application, but some must be manually applied prior to receiving the credit.

• Discount for New Cars - Buying insurance coverage on a new vehicle can cost up to 25% less since new model year vehicles have better safety ratings.
• Active Service Discounts - Being deployed in the military could qualify you for better premium rates.
• Low Mileage - Low annual miles may enable drivers to earn slightly better prices than normal.
• Federal Government Employee - Being employed by or retired from a federal job can save as much as 8% depending on your auto insurance provider.
• Senior Citizens - If you qualify as a senior citizen, you may be able to get a small decrease in premiums.
• Multiple Cars - Drivers who insure multiple cars on a single policy can reduce rates for all insured vehicles.
• Discounts for Cautious Drivers - Drivers without accidents may receive a discount up to 45% than drivers with accidents.
• Renewal Discounts - A few companies give discounts for switching companies early. This discount can save up to 10%.

A little note about advertised discounts, some credits don't apply to the entire cost. Most cut the cost of specific coverages such as liability, collision or medical payments. So despite the fact that it appears adding up those discounts means a free policy, you won't be that lucky.

If you would like to choose from a list of companies who offer cheap Dodge Journey insurance quotes in Austin in Texas, click here.

Insurance is available from agents near you

A lot of people would rather sit down with an agent and that is recommended in a lot of cases An additional benefit of comparing insurance online is you may find the lowest rates but also keep your business local.

Upon completion of this quick form, your coverage information is instantly submitted to participating agents in Austin who will give competitive quotes and help you find cheaper coverage. You won't need to even leave your home since price quotes are sent immediately to you. It's the lowest rates without the usual hassles of price shopping. If you want to compare rates for a specific company, feel free to jump over to their website and fill out the quote form the provide.

Finding the right insurance company should include more criteria than just a cheap quote. The questions below may impact your decision as well.

• Is the quote a firm price?
• Does the agent help file claims?
• Do they specialize in personal lines coverage in Austin?
• Is coverage determined by price?
• When do they do policy reviews?
• What kind of financial rating does the company have?
• Are claim adjusters local or do you have to take your car somewhere else?
• Do they prorate repair cost based on vehicle mileage?

If you need to find a local Austin insurance agent, it can be helpful to understand the different agency structures and how they can service your needs differently. Insurance agencies in Austin can either be exclusive or independent (non-exclusive).

Exclusive Insurance Agents

These agents generally can only insure with one company such as Farmers Insurance or State Farm. Exclusive agencies are unable to provide other company's prices so if the price isn't competitive there isn't much they can do. Exclusive insurance agents are usually well trained on the products they sell which helps them sell on service rather than price. Consumers often buy insurance from these agents mainly due to the prominence of the brand and solid financial strength.

Below is a list of exclusive agents in Austin who can help you get price quote information.

• Carmina Eaton - State Farm Insurance Agent
  4201 W Parmer Ln b170 - Austin, TX 78727 - (512) 244-6641 - View Map
• Bob Jennings - State Farm Insurance Agent
  4405 Pack Saddle Pass - Austin, TX 78745 - (512) 444-9671 - View Map
• Tony Reyes - State Farm Insurance Agent
  9811 S IH 35 Frontage Rd #120 - Austin, TX 78744 - (512) 851-2539 - View Map

More Austin agents

Independent Insurance Agents

Independent agents are not limited to a single company so they can write business through many different insurance companies enabling the ability to shop coverage around. If your premiums go up, they simply move your policy to a different company which requires no work on your part.

If you need cheaper insurance rates, we highly recommend that you get quotes from at least one independent agent to have the best price comparison. Many write coverage with additional companies that you may not be familiar with that can offer cheaper rates than bigger companies.

The following is a short list of independent agents in Austin who can help you get comparison quotes.

• Greater Austin Insurance Inc
  11824 Jollyville Rd # 202 - Austin, TX 78759 - (512) 250-1777 - View Map
• All Texas Insurance
  6700 Middle Fiskville Rd # 303 - Austin, TX 78752 - (512) 459-7979 - View Map
• Greater Texas Insurance
  9809 Anderson Mill Rd - Austin, TX 78750 - (512) 250-5055 - View Map

More Austin agents

If you feel you receive positive feedback to all your questions in addition to an acceptable price estimate, chances are good that you have found a car insurance agent that will insure your vehicles.

Insurance can be complex

When choosing coverage online or from an agent, there isn't really a cookie cutter policy. Everyone's needs are different.

These are some specific questions might help in determining if your insurance needs would benefit from professional advice.

• At what point should I drop full coverage?
• How much will a speeding ticket raise my rates?
• Do I need replacement cost coverage on my Dodge Journey?
• Does insurance cover tools stolen from my truck?
• What is high-risk coverage and where do I buy it?
• Are there any extra discounts I can get?
• Does my policy cover me when driving someone else's vehicle?

If you're not sure about those questions then you might want to talk to a licensed insurance agent. To find lower rates from a local agent, take a second and complete this form.

Learn How to Lower Your Insurance Rates

Smart consumers have a good feel for the factors that go into determining your insurance rates. When you understand what influences your rates, this allows you to make educated decisions that may reward you with much lower annual insurance costs.

• Lower annual miles equals lower premium - The more miles you rack up on your Dodge annually the more you will pay for insurance. A lot of insurance companies price each vehicle's coverage based upon how you use the vehicle. Cars and trucks not used for work or commuting qualify for better rates than vehicles that have high annual mileage. Incorrect rating for your Journey can cost quite a bit. It's always a good idea to double check that your vehicle rating correctly shows the proper vehicle usage, because improper ratings can cost you money.
• Small frequent insurance claims are not good - If you file claims often, you can pretty much guarantee increased rates or even have your policy non-renewed. Insurance companies in Texas provide lower rates to policyholders who are claim-free. Your car insurance is intended for claims that pose a financial burden.
• Alarm systems save money - Selecting a car model with anti-theft technology or alarm system can save you some money. Theft deterrent systems such as OnStar, LoJack tracking, and tamper alarms all hinder auto theft and help lower rates.
• High premiums for youthful drivers - Older insureds are proven to be safer behind the wheel, cost insurance companies less in claims, and get fewer tickets.Drivers with little experience are known to be easily distracted when driving with friends and because of this, their insurance rates are much higher.
• Adjust deductibles and save - Physical damage coverage, also called 'full coverage', is used to repair damage to your Dodge. Examples of covered claims could be a windshield shattered by a rock, damage from fire, and damage from a fallen tree branch. The deductibles you choose define how much you are required to spend if you file a covered claim. The more the insured is willing to pay, the lower your rates will be.
• If you don't need it don't buy it - Insurance companies have many additional coverages you can purchase if you aren't diligent. Insurance for things like rental car reimbursement, accidental death, and Farm Bureau memberships could be just wasting money. These coverages may sound good initially, but your needs may have changed so get rid of them and save.
• Discounts for multiple policies - Most major insurers apply better rates to insureds who consolidate policies with them. It's known as a multi-policy discount. Even though this discount sounds good, consumers should still compare other Austin Journey insurance rates to guarantee you are still saving the most. You may still save money by buying from different companies
• Fast cars cost more to insure - The performance level of the vehicle you are insuring makes a significant difference in the rate you pay. The cheapest insurance rates are generally reserved for low performance passenger cars, but there are many factors that impact the final cost. Since the Dodge Journey is considered a passenger car, insuring your vehicle will cost similar in price or lower compared to average rates in Austin.
• Loss statistics for a Dodge Journey - Insurers include the past claim history for a vehicle as a tool for profitable underwriting. Models that are shown to have higher frequency or amount of claims will cost more for specific coverages.
  
  The next table illustrates the historical loss data for Dodge Journey vehicles. For each type of coverage, the loss probability for all vehicles, regardless of manufacturer or model, equals 100. Values that are 100 or less indicate a favorable loss history, while numbers shown that are more than 100 point to more claims 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

  BETTER

  AVERAGE

  WORSE

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

Three reasons to not skimp on insurance

Despite the potentially high cost of Dodge Journey insurance, paying for insurance is most likely required but also gives you several important benefits.

First, just about all states have minimum mandated liability insurance limits which means you are required to buy a specific level of liability insurance in order to be legal. In Texas these limits are 30/60/25 which means you must have $30,000 of bodily injury coverage per person, $60,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.

Second, if your Dodge Journey has a loan, almost all lenders will require that you buy insurance to ensure they get paid if you total the vehicle. If coverage lapses or is canceled, the lender may insure your Dodge for a lot more money and require you to pay for the expensive policy.

Third, insurance protects both your Dodge Journey and your assets. It also can pay for many types of medical costs for both you and anyone you injure as the result of an accident. Liability coverage, the one required by state law, will also pay for a defense attorney if you are named as a defendant in an auto accident. If mother nature or an accident damages your car, collision and comprehensive coverages will pay to repair the damage.

The benefits of buying enough insurance more than offset the price you pay, specifically if you ever have a liability claim. According to a 2015 survey, the average American driver is overpaying more than $850 per year so compare quotes from several companies at every policy renewal to ensure rates are inline.

Smart shoppers get results

You just learned a lot of tips how to reduce Dodge Journey insurance prices online in Austin. The key concept to understand is the more times you quote, the better chance you'll have of finding affordable Austin auto insurance quotes. You may even discover the lowest priced car insurance comes from a smaller regional carrier.

As you restructure your insurance plan, do not sacrifice coverage to reduce premiums. There are a lot of situations where an accident victim reduced comprehensive coverage or liability limits only to regret that saving that couple of dollars actually costed them tens of thousands. Your strategy should be to buy a smart amount of coverage for the lowest price while not skimping on critical coverages.

Drivers leave their current company for a number of reasons such as lack of trust in their agent, delays in paying claims, questionable increases in premium or delays in responding to claim requests. Regardless of your reason for switching companies, finding a new company can be less work than you think.

Additional articles

• Drunk Driving Statistics (Insurance Information Institute)
• Who Has Cheap Austin Auto Insurance Quotes for a Chevrolet Silverado? (FAQ)
• Who Has the Cheapest Austin Car Insurance Rates for a Hyundai Elantra? (FAQ)
• Who Has the Cheapest Car Insurance Quotes for a Mazda CX-7 in Austin? (FAQ)
• Determining Your Vehicle's Value and Repair Cost (Insurance Information Institute)
• Reducing Your Risks in a Car Crash Video (iihs.org)