Affordable Insurance for a Dodge Journey in El Paso

Having to pay for overpriced Dodge Journey insurance in El Paso can deplete your monthly budget and make it tough to pay other bills. Doing a rate analysis is a smart way to tighten up your finances.

Amazingly, a recent NerdWallet.com study showed that the vast majority of insurance customers have been with the same company for four years or more, and virtually 40% of consumers have never compared quotes from other companies. Texas insurance shoppers could save themselves $1,770 a year by just comparing rate quotes, but they just don’t understand the actual amount they would save if they just switched companies.

Steps to buying lower priced Dodge Journey insurance in El Paso

Truthfully, the best way to find cheaper Dodge Journey insurance in El Paso is to start doing an annual price comparison from insurance carriers who sell insurance in Texas. Price quotes can be compared by following these guidelines.

• Step 1: Try to comprehend how auto insurance works and the factors you can control to keep rates in check. Many rating factors that cause rate increases such as traffic citations, accidents, and poor credit history can be remedied by making minor changes to your lifestyle.
• Step 2: Compare rates from direct carriers, independent agents, and exclusive agents. Exclusive agents and direct companies can only quote rates from a single company like GEICO and State Farm, while independent agents can quote prices from multiple companies.
• Step 3: Compare the quotes to your existing policy to see if a cheaper rate is available. If you find a better price and change companies, make sure there is no lapse in coverage.

One bit of advice is to try to use similar limits and deductibles on each quote request and and to analyze as many car insurance companies as possible. This helps ensure an apples-to-apples comparison and a complete price analysis.

There is such a variety of insurers to insure vehicles with, and though it is a good thing to have multiple companies, it makes it harder to compare rates for Dodge Journey insurance in El Paso.

Shopping for the best insurance in El Paso is simple if you know the tricks. If you have insurance now or need new coverage, you can use this information to buy cheaper insurance while maintaining coverages. Drivers only need to know how to get comparison quotes using one simple form.

The majority of larger companies provide coverage price quotes from their websites. Comparing Dodge Journey insurance rates online is fairly simple as you just type in the amount of coverage you want into the form. After you complete the form, the company’s rating system orders your driving record and credit report and quotes a price based on the data you entered. The ability to get online price quotes for Dodge Journey insurance in El Paso makes it easy to compare insurance prices and it’s necessary to do this if you want to find the best possible rates on insurance.

To save time and compare rates using this form now, check out the insurance providers below. If you have coverage now, it’s recommended you input your coverages exactly as they are listed on your policy. Doing this guarantees you will have rate comparison quotes using the same coverage and limits.

The following companies are ready to provide free quotes in Texas. If multiple companies are listed, we recommend you visit several of them in order to get a fair rate comparison.

Save money on Dodge Journey insurance in El Paso with these car insurance discounts

Auto insurance companies don’t always advertise their entire list of discounts in an easy-to-find place, so the list below contains a few of the more well known and the harder-to-find discounts that may be available.

• Cautious Drivers – Accident-free drivers may receive a discount up to 45% than drivers with accidents.
• Defensive Driving Course – Taking time to complete a safe driver class could possibly earn you a 5% discount and easily pay for the cost of the class.
• Good Grades Discount – Excelling in school can save 20 to 25%. Earning this discount can benefit you up until you turn 25.
• Sign Online – A few car insurance companies will discount your bill up to fifty bucks get El Paso auto insurance digitally online.
• Passive Restraints – Vehicles with factory air bags and/or automatic seat belt systems could see savings of more than 20%.
• Homeowners Savings – Owning a house in El Paso may trigger a policy discount on car insurance since home ownership shows financial diligence.
• Early Switch Discount – A few insurance companies give discounts for signing up prior to the expiration date on your current Journey insurance policy. It could save around 10% when you buy El Paso auto insurance online.
• Multi-Vehicle Discounts – Insuring all your vehicles on the same car insurance policy can reduce rates for all insured vehicles.
• Federal Employees – Being employed by or retired from a federal job may reduce rates when you quote El Paso auto insurance with a few car insurance companies.

Consumers should know that many deductions do not apply to the entire policy premium. Most only reduce the price of certain insurance coverages like physical damage coverage or medical payments. So when it seems like having all the discounts means you get insurance for free, it’s just not the way it works.

The chart below visualizes the comparison of Dodge Journey insurance costs with and without discounts applied to the policy rates. The premiums are based on a female driver, no accidents or driving violations, Texas state minimum liability limits, full physical damage coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-policy, marriage, homeowner, claim-free, safe-driver, and multi-car discounts applied.

Some of the insurance companies that may include these money-saving discounts possibly include:

• The Hartford
• American Family
• Progressive
• Travelers
• Farmers Insurance
• USAA
• Liberty Mutual

If you need the cheapest Dodge Journey rate quotes, ask every company how you can save money. Discounts may not apply to policyholders in your area. If you would like to choose from a list of car insurance companies that can offer you the previously mentioned discounts in El Paso, click here.

Dodge Journey insurance charts and tables

The data table shown next outlines a range of coverage prices for Dodge Journey models. Learning a little about how policy rates are determined can help customers make informed purchases.

Data rating is based on married male driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Texas minimum liability limits. Discounts applied include claim-free, safe-driver, multi-vehicle, multi-policy, and homeowner. Price estimates do not factor in specific location information which can lower or raise insurance rates substantially.

Policy deductibles

One of the hardest decisions when shopping for car insurance is how high or low should comp and collision deductibles be. The comparison tables below may help to illustrate the price difference when you select higher and lower comp and collision deductibles. The first data set uses a $100 deductible for physical damage and the second price grid uses a $500 deductible.

Cost estimates assume married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include homeowner, claim-free, safe-driver, multi-vehicle, and multi-policy. Prices do not factor in vehicle location which can increase or decrease coverage rates substantially.

We can derive from the above data that using a $100 deductible will cost you about $26 more each month or $312 a year averaged for all Journey models than choosing the higher $500 deductible. Because you would pay $400 more out of your own pocket with a $500 deductible as compared to a $100 deductible, if you tend to go at a minimum 15 months between claims, you would more than likely save some money by going with a higher deductible.

The chart below demonstrates how deductible levels and can impact Dodge Journey insurance costs for different age groups. The data assumes a married male driver, full physical damage coverage, and no policy discounts are applied.

Informed Decisions Result in Lower Insurance Rates

Lots of things are part of the calculation when premium rates are determined. Some are obvious such as traffic violations, although some other factors are less apparent like your continuous coverage or how safe your car is.

Males are more aggressive – The statistics show that women are safer drivers than men. However, don’t assume that females are better at driving than males. Women and men cause auto accidents in similar percentages, but the men tend to have higher claims. Men also statistically get higher numbers of serious violations like driving under the influence (DUI). Males from age 16 to 21 tend to get in the most accidents and therefore pay the highest rates.

The chart below illustrates the comparison of Dodge Journey car insurance costs for male and female drivers. The premiums are based on no claims or driving violations, comprehensive and collision coverage, $100 deductibles, single marital status, and no other discounts are factored in.

Pay more by driving carelessly – Just one citation can increase rates to the point where it’s not affordable. Good drivers tend to pay less for car insurance as compared to careless drivers. Drivers who have gotten careless violations like reckless driving, hit and run or driving under the influence may find that they have to to file a SR-22 with their state’s department of motor vehicles in order to prevent a license revocation.

The diagram below shows how speeding tickets and at-fault accidents drive up Dodge Journey car insurance costs for different age groups of insureds. The rates are based on a married male driver, full coverage, $500 deductibles, and no discounts are factored in.

Lower rates for cars with good safety ratings – Safer cars get lower rates. Vehicles engineered for safety reduce injuries and reduced instances of injuries translates into savings for insurance companies and cheaper rates on your policy. If your Dodge Journey has ratings of a minimum four stars on Safercar.gov or an “acceptable” rating on iihs.org you are probably receiving a discount.

Combine policies and save money – Most larger insurance companies give better rates to people who have multiple policies with them. It’s known as a multi-policy discount. The discount can be anywhere from five to ten percent in most cases. Even though this discount sounds good, it’s in your best interest to check prices from other companies to help guarantee you have the best rates. It’s possible to still save even more even if you insure with multiple companies

Raising deductibles lowers costs – Your deductibles define how much you are required to pay if a claim is determined to be covered. Physical damage coverage, termed comprehensive and collision coverage on your policy, is used to repair damage to your car. Some instances where coverage would apply could be a windshield broken by a bird, vandalism, and damage from wind. The more of the claim the insured has to pay upfront, the better rate you will receive.

High credit scores equal low premiums – Having a bad credit score can be an important factor in your rate calculation. Drivers with very good credit scores tend to be better drivers and file fewer claims than drivers with lower credit scores. So if your credit is lower than you’d like, you could pay less to insure your Dodge Journey by improving your credit score.

Commute or pleasure use – The more you drive in a year the more you’ll pay to insure it. The majority of insurers calculate prices based upon how the vehicle is primarily used. Cars not used for work or commuting get more affordable rates than those that get driven frequently. Make sure your car insurance policy correctly shows the correct usage. Having the wrong rating on your Journey can result in significantly higher rates.

Insurance loss probability for a Dodge Journey – Insurers factor in historical loss data to help calculate a profitable premium price. Vehicles that the data shows to have higher loss trends will have a higher cost to insure.

The table below demonstrates the insurance loss data used by companies for Dodge Journey vehicles. For each coverage category, the claim amount for all vehicles compiled together is represented as 100. Percentage numbers below 100 suggest losses that are better than average, while values over 100 point to more frequent losses or an increased probability of a larger loss.

Insurance agents are trained to help

Some people still like to talk to a local agent and we recommend doing that Good agents can help you build your policy and help submit paperwork. One of the great benefits of price shopping on the web is that drivers can save money and get cheaper premium rates and also buy local. Buying insurance from neighborhood agents is important especially in El Paso.

After filling out this short form, the quote information is immediately sent to local insurance agents that can give you free El Paso auto insurance quotes for your auto insurance coverage. There is no need to leave your computer since price quotes are sent to you. If for some reason you want to compare prices for a specific company, you would need to go to their quote page and complete a quote there.

Choose an insurance agent wisely

When searching for a reliable insurance agent, it’s important to understand the types of insurance agents and how they can service your needs differently. Insurance agencies in El Paso can either be exclusive or independent. Both types of agents can sell and service auto insurance coverage, but we need to point out how they differ because it can factor into the selection process.

Independent Auto Insurance Agents (or Brokers)

These agents are appointed with more than one company so they can write business through lots of different companies and find you cheaper rates. If you want to switch companies, the business is moved internally and that require little work on your part. When comparing rates, you will want to include independent agents to get the most accurate price comparison.

Listed below is a short list of independent insurance agencies in El Paso that may be able to give free auto insurance quotes.

View more agents

Exclusive Agencies

These type of agents can only write with one company such as Allstate and State Farm. Exclusive agents cannot shop your coverage around so it’s a take it or leave it situation. Exclusive agencies are well schooled on the products they sell and that allows them to sell at a higher price point.

Shown below is a short list of exclusive agencies in El Paso that can give you price quotes.

View more agents

Finding the right car insurance agent is decision based upon more than just the price. Some important questions to ask are:

• Where would your vehicle be repaired?
• Do they regularly work with personal auto policies in El Paso?
• Is the agent properly licensed in Texas?
• Are they full-time agents?
• Can you get a list of referrals?
• Is there a 24/7 contact number?
• Are aftermarket or OEM parts used to repair vehicles?

If you receive positive feedback for all questions you ask as well as an affordable premium quote, it’s possible that you found an auto insurance agent that meets the criteria to properly insure your vehicles. But remember, you have the power to terminate coverage when you choose so don’t assume you are locked into your new company for the full term.

Quote more to save more

We just covered many ways to save on Dodge Journey insurance in El Paso. The key thing to remember is the more quotes you get, the better chance you’ll have of finding inexpensive El Paso auto insurance quotes. Drivers may even discover the biggest savings come from a lesser-known regional company. Some small companies can often insure niche markets at a lower cost than their larger competitors like Allstate or State Farm.

Cheaper auto insurance in El Paso can be sourced online and from local agencies, and you should compare rates from both in order to have the best chance of saving money. A few companies don’t offer the ability to get quotes online and many times these small insurance companies provide coverage only through independent insurance agents.

As you quote El Paso auto insurance, don’t be tempted to buy lower coverage limits just to save a few bucks. In too many instances, someone dropped liability coverage limits and learned later they didn’t have enough coverage. The proper strategy is to buy enough coverage for the lowest price.

Steps to buying low-cost Dodge Journey insurance in El Paso

It takes a few minutes, but the best way to get cheaper car insurance rates in El Paso is to regularly compare prices from insurers who provide car insurance in Texas.

1. Take a little time to learn about individual coverages and the measures you can control to prevent expensive coverage. Many policy risk factors that drive up the price such as traffic violations and poor credit can be rectified by making minor changes to your lifestyle.
2. Quote rates from independent agents, exclusive agents, and direct companies. Exclusive and direct companies can only give prices from a single company like Progressive and State Farm, while independent agents can provide rate quotes from multiple sources.
3. Compare the quotes to the price on your current policy to see if you can save by switching companies. If you find better rates and buy the policy, make sure there is no lapse between the expiration of your current policy and the new one.
4. Provide notification to your current agent or company to cancel your current auto insurance policy. Submit payment and a completed application to your new carrier. Immediately put the certificate verifying proof of insurance in your vehicle’s glove compartment or console.

An essential thing to point out is to use the same physical damage deductibles and liability limits on every quote request and and to get prices from as many carriers as you can. Doing this guarantees a fair rate comparison and the best price selection.

Even more information can be read by following these links:

• What is Covered by an Auto Insurance Policy? (Insurance Information Institute)
• Protect Yourself Against Auto Theft (Insurance Information Institute)
• Think You’re a Safe Driver? (State Farm)
• Teen Driving Statistics (iihs.org)