Insurance quote for Dodge Journey in HoustonThere isn't a single person who looks forward to buying insurance, particularly when the price is too high.

A recent survey discovered that most insurance buyers renewed their policy with the same company for a minimum of four years, and 38% of drivers have never quoted insurance rates at all. Many drivers in Texas could save approximately $1,800 each year just by comparing rates, but they just don't want to find cheaper rates by getting comparison quotes. Insurance companies such as Allstate and Progressive promote their brand names with ads and it can be hard to not get sucked in by the cute commercials and find the best price available.

If you are already insured or just want cheaper coverage, use these money-saving tips to cut your premiums and possibly find even better coverage. Finding affordable insurance coverage in Houston can initially seem challenging. Smart buyers just need to understand the tricks to quote multiple rates from multiple carriers.

Cheap Houston insurance quotes with discounts

Companies offering auto insurance do not advertise their entire list of discounts very well, so the list below details both the well known and also the lesser-known discounts you could be receiving when you buy Houston auto insurance online. If you don't get every credit you deserve, you may be paying too high a price.

One thing to note about discounts is that most discounts do not apply to your bottom line cost. The majority will only reduce individual premiums such as comprehensive or collision. So when the math indicates you would end up receiving a 100% discount, company stockholders wouldn't be very happy.

Popular insurance companies and a partial list of their discounts can be found below.

When getting free Houston auto insurance quotes, it's a good idea to each insurance company to give you their best rates. Some credits may not be available everywhere. To see companies with discount rates in Houston, follow this link.

The method we recommend to compare insurance rates from multiple companies is to know the trick almost all companies participate in a system to compare rate quotes. The only thing you need to do is give them rating details such as if you have an active license, whether you are married, how much you drive, and driver details. That rating information is instantly submitted to multiple auto insurance providers and they return quotes within a short period of time.

To check Dodge Journey insurance prices now, click here and enter the information requested.

The car insurance companies shown below offer free quotes in Texas. To buy cheaper car insurance in Houston, we recommend you visit as many as you can in order to find the cheapest rates.

Dodge Journey Insurance Estimates in Houston, TX
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Journey SE 2WD $282 $502 $430 $26 $128 $1,368 $114
Journey SXT 2WD $364 $728 $514 $30 $154 $1,790 $149
Journey R/T 2WD $302 $456 $392 $24 $118 $1,292 $108
Journey SXT Crew 2WD $232 $392 $430 $26 $128 $1,208 $101
Journey SXT AWD $362 $682 $462 $28 $138 $1,672 $139
Journey R/T AWD $286 $602 $430 $26 $128 $1,472 $123
Journey SXT Crew AWD $160 $312 $366 $22 $110 $970 $81
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Prices above based on married male driver age 50, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Texas minimum liability limits. Discounts applied include homeowner, multi-policy, claim-free, multi-vehicle, and safe-driver. Table data does not factor in your specific Houston location which can lower or raise price quotes greatly.

Age, gender, and Dodge Journey insurance

The chart below shows the comparison of Dodge Journey car insurance costs for male and female drivers. The information is based on no claims or violations, full coverage, $1,000 deductibles, drivers are not married, and no additional discounts are factored in.

Where to set your deductibles

When comparing auto insurance rates, the most common question is how high should the physical damage deductibles be. The figures shown below outline the rate difference when you select higher and lower deductibles. The first price estimate table uses a $250 physical damage coverage deductible and the second pricing 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 $294 $408 $382 $22 $114 $1,245 $104
Journey SXT 2WD $294 $496 $382 $22 $114 $1,333 $111
Journey R/T 2WD $332 $496 $382 $22 $114 $1,371 $114
Journey SXT Crew 2WD $332 $496 $382 $22 $114 $1,371 $114
Journey SXT AWD $332 $496 $382 $22 $114 $1,371 $114
Journey R/T AWD $332 $584 $382 $22 $114 $1,459 $122
Journey SXT Crew AWD $332 $584 $382 $22 $114 $1,459 $122
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Dodge Journey insurance with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Journey SE 2WD $182 $256 $382 $22 $114 $956 $80
Journey SXT 2WD $182 $312 $382 $22 $114 $1,012 $84
Journey R/T 2WD $206 $312 $382 $22 $114 $1,036 $86
Journey SXT Crew 2WD $206 $312 $382 $22 $114 $1,036 $86
Journey SXT AWD $206 $312 $382 $22 $114 $1,036 $86
Journey R/T AWD $206 $368 $382 $22 $114 $1,092 $91
Journey SXT Crew AWD $206 $368 $382 $22 $114 $1,092 $91
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Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include multi-policy, safe-driver, homeowner, multi-vehicle, and claim-free. Premium costs do not factor in specific location information which can increase or decrease insurance rates noticeably.

Based on the data above, we can derive that using a $250 deductible costs about $28 more each month or $336 for a full year than requesting the higher $1,000 deductible. Since the policyholder would be required to pay $750 more out-of-pocket with a $1,000 deductible as compared to a $250 deductible, if you average at a minimum 27 months between claim filings, you would probably be better off if you choose a higher deductible.

Informed Drivers Save on Insurance

Multiple criteria are considered when you get a price on insurance. Some of the criteria are obvious like an MVR report, although others are not as apparent such as your marital status and annual miles driven.

Your age impacts your prices - More mature drivers are shown to be more cautious, tend to file fewer claims, and are generally more financially stable.Youthful drivers are statistically shown to be less responsible when driving with friends therefore car insurance rates are much higher.

Companies want multiple policies - Most major insurance companies provide better rates to insureds who carry more than one policy. It's known as a multi-policy discount. Even though this discount sounds good, you still need to get quotes from other companies to ensure the best deal. Consumers may find lower rates even if you have your coverage with different companies

Liability protection limits should be high - Your policy's liability coverage is the protection if ever a jury decides you are liable for personal injury or accident damage. It will provide legal defense starting from day one. Liability insurance is quite affordable when compared to the cost of physical damage coverage, so drivers should make sure they buy enough to cover all assets.

Where you reside is a factor - Choosing to live in areas with lower population may provide you with better prices when talking about car insurance. Urban drivers regularly have more aggressive driving styles and more time behind the wheel. Fewer drivers and short commutes means a lower chance of having an accident in addition to fewer liability claims.

Annual miles is a factor - Driving more miles in a year the more you'll pay to insure your vehicle. Many insurance companies rate vehicles based upon how you use the vehicle. Autos not used for work or commuting can get a lower rate than those that get driven frequently. Having an incorrect usage rating on your Journey may be wasting your money. Ask your agent if your car insurance policy is rated on the correct usage for each vehicle.

Driving citations increase rates - Having just one speeding ticket may increase your cost substantially. Drivers with clean records receive lower rates compared to bad drivers. People who have flagrant tickets such as DUI, reckless driving or excessive speeding may find they need to file a proof of financial responsibility form (SR-22) with their state motor vehicle department in order to prevent a license revocation.

Dodge Journey historical loss data - Companies use statistical claims data to calculate a price that will offset losses. Models that statistically have higher prevalence or dollar amount of losses will cost more to insure. The table below demonstrates the insurance loss data for Dodge Journey vehicles.

For each coverage category, the claim amount for all vehicles averaged together is a value of 100. Numbers shown that are under 100 suggest losses that are better than average, while values over 100 indicate frequent claims or an increased chance of a larger loss.

Insurance Loss Ratings for Dodge Journey Vehicles

Make and 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

Get rate quotes but buy from a local neighborhood Houston car insurance agent

Many drivers still like to get professional advice from a licensed agent and there is nothing wrong with that. Good insurance agents can point out coverage gaps and help in the event of a claim. The best thing about getting free rate quotes online is the fact that you can find cheaper premium rates and also buy local. And supporting small agencies is especially important in Houston.

To make it easy to find an agent, after completing this form (opens in new window), your insurance data is immediately sent to local insurance agents in Houston that can give you free Houston auto insurance quotes for your business. You never need to drive around since rate quotes are delivered to you. In the event you want to get a price quote from a particular provider, you would need to search and find their rate quote page and complete a quote there.

Selecting an company should depend on more than just a cheap price. Any agent in Houston should be willing to answer these questions.

Car insurance in Texas serves several purposes

Despite the high cost, buying car insurance may be required and benefits you in several ways.

First, almost all states have minimum liability requirements which means you are required to carry specific minimum amounts of liability protection in order to license the vehicle. 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 you took out a loan on your car, almost every bank will have a requirement that you carry insurance to ensure they get paid if you total the vehicle. If coverage lapses or is cancelled, the lender may insure your Dodge at a much higher rate and force you to pay the higher premium.

Third, car insurance preserves both your assets and your Dodge Journey. It will also provide coverage for many types of medical costs that are the result of an accident. Liability insurance, one of your policy coverages, 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, your car insurance policy will cover the damage repairs after a deductible is paid.

The benefits of having car insurance definitely exceed the price paid, particularly if you ever have a claim. Unknowingly, the average driver is currently overpaying as much as $865 each year so you should quote your policy with other companies every year to be sure current rates are still competitive.

Persistence pays off

When you buy Houston auto insurance online, never buy poor coverage just to save money. In many instances, an accident victim reduced liability coverage limits and learned later they didn't purchase enough coverage. Your objective should be to purchase a proper amount of coverage at the lowest possible cost and still be able to protect your assets.

Discount Dodge Journey insurance in Houston is possible both online and from local agencies, and you need to comparison shop both to have the best rate selection. Some insurance companies may not provide rate quotes online and these regional insurance providers only sell coverage through independent agencies.

We just showed you a lot of information how to shop for Dodge Journey insurance online. It's most important to understand that the more rate comparisons you have, the higher the chance of saving money. Consumers may even find the best rates are with some of the lesser-known companies. They often have lower car insurance rates on specific markets than their larger competitors like Progressive and GEICO.

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