Cheapest Dodge Journey Insurance in Lubbock

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If you want to save money, the best way to get cheaper auto insurance rates is to regularly compare quotes from providers who sell insurance in Lubbock. Price quotes can be compared by following these guidelines.

  1. Try to learn a little about the coverage provided by your policy and the things you can change to drop your rates. Many rating factors that cause rate increases like at-fault accidents, careless driving, and an imperfect credit history can be improved by paying attention to minor details. Keep reading for tips to keep prices down and earn larger discounts.
  2. Compare rates from direct carriers, independent agents, and exclusive agents. Exclusive and direct companies can only give rate quotes from one company like GEICO or Allstate, while independent agencies can provide price quotes for a wide range of companies.
  3. Compare the new quotes to your existing rates to determine if switching companies saves money. If you can save some money and switch companies, make sure coverage is continuous and does not lapse.
  4. Notify your company or agent to cancel your current policy and submit any necessary down payment along with the completed application for your new policy. When you receive it, put the certificate verifying coverage with your vehicle's registration.

The most important part of shopping around is to try to use identical limits and deductibles on each quote and and to analyze as many carriers as you can. Doing this provides a level playing field and a better comparison of the market.

Insurance quote for Dodge Journey in LubbockA recent survey discovered that the vast majority of auto insurance customers kept their coverage with the same auto insurance company for more than four years, and nearly half have never shopped around. Most drivers in Lubbock could save $1,770 a year, but most tend to underestimate the amount of money they would save if they switched to a more affordable policy.

The purpose of this article is to introduce you to how auto insurance companies operate and some money-saving tips. If you are already insured, you stand a good chance to be able to reduce premiums using these tips. Drivers just need to know the proper way to shop their coverage around online.

Low cost Dodge Journey insurance prices in Lubbock

The companies in the list below offer price quotes in Lubbock, TX. If you wish to find the best cheap auto insurance in Texas, we suggest you visit two to three different companies to get a more complete price comparison.

Coverage statistics and figures

The price information displayed next highlights different prices for Dodge Journey models. Learning how car insurance prices are formulated can assist in making decisions on the best policy to buy.

Dodge Journey Insurance Rates in Lubbock, TX
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Journey SE 2WD $206 $322 $400 $24 $120 $1,072 $89
Journey SXT 2WD $206 $392 $400 $24 $120 $1,142 $95
Journey R/T 2WD $232 $392 $400 $24 $120 $1,168 $97
Journey SXT Crew 2WD $232 $392 $400 $24 $120 $1,168 $97
Journey SXT AWD $232 $392 $400 $24 $120 $1,168 $97
Journey R/T AWD $232 $462 $400 $24 $120 $1,238 $103
Journey SXT Crew AWD $232 $462 $400 $24 $120 $1,238 $103
Get Your Own Custom Quote Go

Data based on married female driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Texas minimum liability limits. Discounts applied include safe-driver, claim-free, homeowner, multi-policy, and multi-vehicle. Price estimates do not factor in vehicle garaging location which can modify insurance rates considerably.

Deductible analysis

One of the most common car insurance questions is the level to set your comp and collision deductibles. The comparison tables below help summarize the differences in premium rates between low and high comp and collision deductibles. The first rate table uses a $100 deductible for comprehensive and collision coverage and the second price grid uses a $1,000 deductible.

Dodge Journey insurance premium rates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Journey SE 2WD $328 $486 $382 $22 $114 $1,357 $113
Journey SXT 2WD $328 $592 $382 $22 $114 $1,463 $122
Journey R/T 2WD $370 $592 $382 $22 $114 $1,505 $125
Journey SXT Crew 2WD $370 $592 $382 $22 $114 $1,505 $125
Journey SXT AWD $370 $592 $382 $22 $114 $1,505 $125
Journey R/T AWD $370 $698 $382 $22 $114 $1,611 $134
Journey SXT Crew AWD $370 $698 $382 $22 $114 $1,611 $134
Get Your Own Custom Quote Go
Dodge Journey insurance premium rates 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
Get Your Own Custom Quote Go

Table data represents married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include multi-policy, claim-free, safe-driver, multi-vehicle, and homeowner. Rate information does not factor in the specific area where the vehicle is garaged which can decrease or increase rates substantially.

We can estimate from the data above that using a $100 deductible will cost you approximately $39 more each month or $468 a year across all Dodge Journey models than opting for the higher $1,000 deductible. Because you would pay $900 more to settle a claim with a $1,000 deductible as compared to a $100 deductible, if you go at least 23 months between claim filings, you would more than likely save some money if you elect the higher deductible.

Protect more than your Journey

Despite the potentially high cost of Dodge Journey insurance, insurance is required for several reasons.

  • Almost all states have mandatory liability insurance requirements which means you are required to buy a specific minimum amount of liability coverage in order to drive the car. 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.
  • If your Dodge has a loan, it's most likely the lender will require that you carry insurance to guarantee loan repayment. If you default on your policy, the lender will be forced to insure your Dodge for a lot more money and require you to fork over for the much more expensive policy.
  • Auto insurance protects not only your Dodge but also your financial assets. It will also reimburse you for hospital and medical expenses for you, any passengers, and anyone injured in an accident. Liability coverage will also pay attorney fees in the event you are sued. If damage is caused by hail or an accident, your auto insurance policy will pay to restore your vehicle to like-new condition.

The benefits of having insurance definitely exceed the cost, specifically if you ever have a liability claim. Despite what companies tell you, the average driver is overpaying more than $810 a year so shop around at every policy renewal to help ensure money is not being wasted.

Lubbock Insurance Premiums are Influenced by These Factors

Many different elements are taken into consideration when you quote your car insurance policy. A few of the factors are predictable like a motor vehicle report, although others are more obscure like your continuous coverage or your financial responsibility. It's important that you understand some of the things that are used to determine the price you pay for car insurance. When consumers understand what controls the rates you pay, this helps enable you to make changes that can earn you lower car insurance prices.

Shown below are some of the major factors utilized by car insurance companies to help set your premiums.

  • Drive less and pay lower prices - Driving a lot of miles in a year's time the more you will pay for car insurance. Many insurance companies calculate prices determined by how the vehicle is used. Autos not used for work or commuting receive lower rates than vehicles that have high annual mileage. Incorrect rating for your Journey may be costing you. It's a smart idea to ensure your vehicle rating reflects annual mileage.
  • Males pay more for insurance coverage - Statistics show that women are safer drivers than men. This data doesn't prove that males are worse at driving than females. Men and women tend to get into fender benders in similar numbers, but men have accidents that have higher claims. In addition to higher claims, males also get more serious tickets such as reckless driving. Youthful male drivers are several times more likely to be in an accident and therefore pay the highest rates.

    The illustration below illustrates the difference between Dodge Journey insurance prices for male and female drivers. The information is based on no driving violations, no at-fault accidents, comprehensive and collision coverage, $100 deductibles, drivers are not married, and no discounts are applied to the premium.

  • Avoid coverage lapses - Driving any period of time without insurance can get your license suspended and any future policy may cost more because you let your coverage cancel without a new policy in place. And not only will insurance be more expensive, getting caught without coverage may result in a revoked license or a big fine.
  • Rates increase with driving citations - Whether or not you get tickets has a huge affect on how much you pay. Just one chargeable violation can increase rates by twenty percent. Drivers who don't get tickets tend to pay less for car insurance than people who have multiple driving citations. Drivers who have received serious violations like hit and run, DWI or reckless driving convictions may need to prove financial responsibility with their state's licensing department in order to legally drive a vehicle.

    The diagram below illustrates how traffic citations and accident claims can influence Dodge Journey car insurance rates for different age groups. The costs are based on a single male driver, comp and collision included, $100 deductibles, and no discounts are applied to the premium.

  • Car insurance liability limits - Your car insurance policy's liability coverage kicks in in the event that a court rules you are at fault for personal injury or accident damage. Liability provides legal defense coverage up to the limits shown on your policy. Liability is cheap when compared to the cost of physical damage coverage, so buy as much as you can afford.
  • Low physical damage deductibles can be expensive - Your deductibles represent how much money you are willing to pay if you file a covered claim. Coverage for physical damage, termed comprehensive and collision coverage on your policy, protects your car from damage. Some examples of claims that would be covered could be colliding with a stationary object, collision with a deer, and damage caused by road hazards. The more expense you are required to pay out-of-pocket, the bigger discount you will receive.
  • Get cheaper costs after the wedding - Being married can actually save you money when buying car insurance. Having a significant other generally demonstrates drivers are more mature than a single person and it's statistically proven that married drivers tend to file fewer claims.
  • Your location is important - Living in smaller towns and rural areas of the country is a good thing when it comes to car insurance. Drivers in populated areas have more traffic problems and more severe claims. Fewer drivers and short commutes translates into fewer accidents and lower theft and vandalism rates.
  • Dodge Journey claim probability - Auto insurance companies use past insurance losses to calculate a rate that will offset losses. Vehicles that statistically have a trend towards higher claims will have higher rates. The table below outlines the insurance loss data used by companies for Dodge Journey vehicles.

    For each coverage category, the statistical loss for all vehicles, without regard to make or model, is set at 100. Numbers below 100 indicate a favorable loss history, while percentages above 100 indicate frequent claims or tendency to have higher losses.

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

Don't give up on cheap premiums

When searching for affordable Dodge Journey insurance quotes, don't be tempted to buy less coverage just to save a little money. In too many instances, someone dropped liability limits or collision coverage and discovered at claim time they didn't have enough coverage. The ultimate goal is to get the best coverage possible at the lowest possible cost.

Low-cost Dodge Journey insurance in Lubbock can be sourced both online and with local Lubbock insurance agents, and you should compare price quotes from both so you have a total pricing picture. Some companies do not offer online price quotes and many times these smaller companies work with independent insurance agencies.

Throughout this article, we presented some good ideas how to compare Dodge Journey insurance rates in Lubbock. The most important thing to understand is the more companies you get auto insurance rates for, the better likelihood of getting the cheapest Dodge Journey rate quotes. Drivers may even discover the most savings is with a company that doesn't do a lot of advertising. These smaller insurers may cover specific market segments cheaper than their larger competitors like Allstate, GEICO and Progressive.

More information can be found at the links below