Compare Dodge Journey Insurance Quotes in Toledo

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Dodge Journey insurance
Dodge Journey insurance image courtesy of QuoteInspector.com

Surprisingly, a recent survey revealed that nearly 70% of customers kept their coverage with the same car insurance company for well over three years, and roughly 40% of drivers have never even compared rates from other companies. Most drivers in Toledo can save hundreds of dollars each year by just shopping around, but they don't understand how simple it is to find affordable insurance by shopping around.

Insurance quote for Dodge Journey in ToledoTo save the most money, the best way to get affordable auto insurance rates is to regularly compare quotes from providers who provide auto insurance in Toledo.

Step 1: Gain an understanding of what coverages are included in your policy and the factors you can control to keep rates low. Many policy risk factors that cause high rates such as multiple speeding tickets and a less-than-favorable credit history can be amended by paying attention to minor details. Keep reading for instructions to help keep rates affordable and find available discounts that you may qualify for.

Step 2: Compare rates from direct carriers, independent agents, and exclusive agents. Direct and exclusive agents can give quotes from a single company like GEICO and Allstate, while independent agencies can provide prices for a wide range of insurance providers.

Step 3: Compare the new rates to your current policy premium and see if there is a cheaper rate. If you can save money, verify that coverage does not lapse between policies.

Step 4: Provide notification to your current agent or company of your intention to cancel your current auto insurance policy. Submit the application along with any required down payment for your new coverage. When you receive it, keep the new proof of insurance paperwork with your registration paperwork.

One important bit of advice is to make sure you enter the same amount of coverage on every price quote and to quote with as many different companies as possible. This ensures a fair rate comparison and a complete price analysis.

Best companies for competitive Dodge Journey insurance in Ohio

The companies shown below have been selected to offer quotes in Toledo, OH. To locate cheap car insurance in Toledo, it's highly recommended you click on several of them to get the best price comparison.

Dodge Journey insurance analysis

The rate table displayed next covers estimates of coverage costs for Dodge Journey models. Having insight into how car insurance prices are formulated is important for you to make smart choices when comparing insurance quotes.

Dodge Journey Insurance Rates in Toledo, OH
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Journey SE 2WD $112 $166 $218 $12 $66 $574 $48
Journey SXT 2WD $112 $202 $218 $12 $66 $610 $51
Journey R/T 2WD $126 $202 $218 $12 $66 $624 $52
Journey SXT Crew 2WD $126 $202 $218 $12 $66 $624 $52
Journey SXT AWD $126 $202 $218 $12 $66 $624 $52
Journey R/T AWD $126 $238 $218 $12 $66 $660 $55
Journey SXT Crew AWD $126 $238 $218 $12 $66 $660 $55
Get Your Own Custom Quote Go

Price data assumes married male driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Ohio minimum liability limits. Discounts applied include multi-vehicle, safe-driver, homeowner, multi-policy, and claim-free. Premium amounts do not factor in specific garaging location which can affect coverage rates considerably.

Physical damage deductibles: Should you raise them?

One of the more difficult decisions when buying insurance is where to set your physical damage deductibles. The tables below can help show the differences in price of buying low and high physical damage deductibles. The first rate table uses a $100 deductible for comp and collision and the second price grid uses a $1,000 deductible.

Dodge Journey insurance rates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Journey SE 2WD $196 $290 $226 $14 $68 $819 $68
Journey SXT 2WD $196 $352 $226 $14 $68 $881 $73
Journey R/T 2WD $220 $352 $226 $14 $68 $905 $75
Journey SXT Crew 2WD $220 $352 $226 $14 $68 $905 $75
Journey SXT AWD $220 $352 $226 $14 $68 $905 $75
Journey R/T AWD $220 $416 $226 $14 $68 $969 $81
Journey SXT Crew AWD $220 $416 $226 $14 $68 $969 $81
Get Your Own Custom Quote Go
Dodge Journey insurance rates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Journey SE 2WD $108 $152 $226 $14 $68 $568 $47
Journey SXT 2WD $108 $186 $226 $14 $68 $602 $50
Journey R/T 2WD $122 $186 $226 $14 $68 $616 $51
Journey SXT Crew 2WD $122 $186 $226 $14 $68 $616 $51
Journey SXT AWD $122 $186 $226 $14 $68 $616 $51
Journey R/T AWD $122 $220 $226 $14 $68 $650 $54
Journey SXT Crew AWD $122 $220 $226 $14 $68 $650 $54
Get Your Own Custom Quote Go

Prices based on married male driver age 30, no speeding tickets, no at-fault accidents, and Ohio minimum liability limits. Discounts applied include homeowner, claim-free, multi-vehicle, safe-driver, and multi-policy. Rate information does not factor in specific location information which can revise insurance rates greatly.

We can estimate from the data above that using a $100 deductible will cost you roughly $24 more each month or $288 every year than opting for the higher $1,000 deductible. Since you would pay $900 more if you turn in a claim with a $1,000 deductible as compared to a $100 deductible, if you usually have at least 38 months between claim filings, you would save money if you elect the higher deductible. Here is how you can perform this determination yourself.

Average monthly premium for $100 deductibles: $75
Average monthly premium for $1,000 deductibles (subtract): - $51
Monthly savings from raising deductible: $24
Difference between deductibles ($1,000 - $100): $900
Divide difference by monthly savings: $900 / $24
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 38 months

One thing to note is that raising deductibles results in having to pay to pay more out-of-pocket when you have a claim. That will require access to more funds in order to pay the deductible to have repairs made.

Males versus Females

The example below visualizes the comparison of Dodge Journey insurance costs for male and female drivers. The price estimates are based on no claims, a clean driving record, comp and collision included, $250 deductibles, single status, and no discounts are factored in.

What Determines Dodge Journey Insurance Prices?

Multiple criteria are part of the equation when you quote your car insurance policy. Some of the criteria are obvious like a motor vehicle report, but others are less obvious such as your marital status or your financial responsibility. A large part of saving on insurance is knowing the factors that go into determining your insurance rates. If you know what determines base rates, this enables you to make decisions that can earn you cheaper rates.

  • Mature drivers pay less - Teen drivers in Ohio are known to be careless and easily distracted when driving therefore insurance rates are much higher. Adding a beginning driver to your policy can increase premiums substantially. More mature drivers have been proven to be more responsible, tend to cause fewer accidents, and are generally more financially stable.

    The following data uses these assumptions: single driver, full coverage with $100 deductibles, and no discounts or violations.

  • Don't get traffic citations - Having a clean driving record has a huge affect on how much you pay. Careful drivers get better rates compared to bad drivers. Getting just one citation can increase rates by as much as twenty percent. People who have careless violations like DWI, reckless driving or hit and run convictions may be required to file a proof of financial responsibility form (SR-22) with their state DMV in order to prevent a license revocation.

    The diagram below shows how traffic citations and at-fault collisions can impact Dodge Journey premium costs for different age groups. The premiums assume a single female driver, comp and collision included, $250 deductibles, and no discounts are taken into consideration.

  • Rates are affected by your address - Residing in less populated areas can save you money when insuring your vehicles. City drivers regularly have traffic congestion and more severe claims. Less people corresponds to lower accident rates and lower theft and vandalism rates.
  • Too many insurance claims drive up premiums - If you are a frequent claim filer, you should expect either policy cancellation or increased premiums. Auto insurance companies in Ohio give the best rates to people who are not frequent claim filers. Your insurance policy is meant to be used in the event of the large, substantial claims.
  • Discounts for multiple policies - Most major companies apply discounts to buyers that buy multiple policies. It's known as a multi-policy discount. Even with this discount, you may still want to compare other Toledo Journey insurance rates to verify if the discount is saving money.
  • Lower annual miles equals lower premium - Driving more miles in a year the more you will pay for insurance. A lot of insurance companies calculate rates based on how the vehicle is used. Cars and trucks not used for work or commuting get more affordable rates than those used for commuting. Double check that your insurance declarations sheet correctly shows the correct usage, because it can save money. A policy that improperly rates your Journey can cost quite a bit.
  • Liability insurance - The liability coverage on your policy kicks in when you are responsible for damages from an accident. Liability insurance provides legal defense which can cost thousands of dollars. Liability insurance is pretty cheap compared to physical damage coverage, so do not cut corners here.
  • Safer vehicles are cheaper to insure - Safer cars cost less to insure. Safer cars help reduce the chance of injuries in an accident and lower rates of occupant injuries means lower claim amounts and lower rates for you.
  • Insurance losses for a Dodge Journey - Companies use historical loss data to calculate a rate that will offset losses. Models that are shown to have higher losses will have a higher premium rate.

    The data below shows the historical loss data for Dodge Journey vehicles. For each policy coverage, the claim amount for all vehicles, as an average, is equal to 100. Percentage numbers below 100 suggest a positive loss record, while values over 100 point to more frequent losses or an increased likelihood of larger losses.

    Dodge Journey Insurance Loss Statistics
    Specific Dodge 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
    Statistics from IIHS.org for 2013-2015 Model Years

Affordable Dodge Journey insurance quotes in Toledo

Car insurance can cost a lot, but there are discounts available to help offset the cost. A few discounts will automatically apply when you quote, but some may not be applied and must be inquired about before you will receive the discount.Insurance discounts

  • Government Employees - Employees or retirees of the government can save as much as 8% with some insurance companies.
  • Multi-line Discount - Select companies reward you with a break if you buy a life policy as well.
  • Use Seat Belts - Requiring all passengers to use a seat belt can save a little off the personal injury premium cost.
  • Safety Course Discount - Successfully completing a defensive driving course could possibly earn you a 5% discount and easily pay for the cost of the class.
  • Active Military Service - Being on active deployment in the military may qualify for rate reductions.
  • Organization Discounts - Belonging to a qualifying organization may earn a discount on insurance.
  • Payment Method - If you can afford to pay the entire bill rather than paying monthly you can avoid monthly service charges.
  • Online Discount - A handful of larger companies will discount your bill up to fifty bucks for buying your policy on your computer.

Discounts reduce rates, but you should keep in mind that most discount credits are not given to the entire policy premium. Some only reduce the price of certain insurance coverages like collision or personal injury protection. Even though the math looks like having all the discounts means you get insurance for free, companies don't profit that way.

The illustration below illustrates the comparison of Dodge Journey premium costs with and without discounts being applied to the rates. The information is based on a female driver, no claims, a clean driving record, Ohio state minimum liability limits, comp and collision included, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with safe-driver, multi-car, marriage, multi-policy, claim-free, and homeowner discounts applied.

Auto insurance companies who might offer these money-saving discounts include:

Before buying, ask all the companies to apply every possible discount. All car insurance discounts may not apply to policyholders in Toledo. If you would like to see a list of companies who offer online Dodge Journey insurance quotes in Ohio, follow this link.

Can't I compare rate quotes from local Toledo insurance agents?

Many drivers just prefer to buy from a licensed agent and that is just fine! One of the best bonuses of getting free rate quotes online is you can get cheap car insurance rates and still choose a local agent. And providing support for local insurance agencies is important especially in Toledo.

For easy comparison, once you complete this form (opens in new window), your coverage information is sent to insurance agents in Toledo that can provide free Toledo auto insurance quotes for your insurance coverage. It makes it easy because there is no need to drive around since rate quotes are delivered to you. It's the lowest rates without requiring a lot of work. If you have a need to compare rates from a specific company, feel free to jump over to their website and submit a quote form there.

Finding a good insurer is decision based upon more than just the bottom line cost. The answers to these questions are important, too.

  • How many years of experience in personal auto insurance do they have?
  • Do they offer accident forgiveness?
  • Will they give you a referral list?
  • How long has their agency been open in Toledo?
  • Is their price quote a firm figure or are their hidden costs?
  • What insurance company do they write the most business with?

When should I discuss my situation with an agent?

When it comes to adequate coverage, there is no one size fits all plan. Every insured's situation is different.Drive safe and save

Here are some questions about coverages that might point out if your insurance needs might need an agent's assistance.

  • At what point should I drop full coverage?
  • Does having multiple vehicles earn me a discount?
  • Can I pay claims out-of-pocket if I buy high deductibles?
  • Does coverage extend to my business vehicle?
  • Is my Dodge Journey covered for flood damage?
  • When should I remove my kid from my policy?
  • What is an SR-22 filing?
  • What are the liability requirements in my state?
  • Am I covered while delivering pizza?

If you're not sure about those questions, then you may want to think about talking to a licensed agent. To find an agent in your area, take a second and complete this form.

In the end, you can save money

We covered many ways to shop for Dodge Journey insurance online. The key concept to understand is the more providers you compare, the higher the chance of saving money. Consumers could even find that the best price on insurance is with some of the smallest insurance companies.

When you buy Toledo auto insurance online, it's not a good idea to sacrifice coverage to reduce premiums. Too many times, an insured cut liability coverage limits and discovered at claim time that their decision to reduce coverage ended up costing them more. Your goal is to purchase a proper amount of coverage at the best possible price, but don't skip important coverages to save money.

Insureds leave their current company for any number of reasons including extreme rates for teen drivers, being labeled a high risk driver, delays in responding to claim requests and even questionable increases in premium. No matter why you want to switch, finding a great new company can be pretty painless.

Much more information about insurance in Ohio can be read at the links below