Finding the cheapest car insurance for a Dodge Journey is pretty straightforward, but it relies on a lot of rating factors such as driver age, whether you are claim-free, and violations on your driving record. Drivers in Arizona will pay around $694 each year to insure their Journey, but that amount is an approximation based on a 40-year-old married male driver with full comprehensive and collision coverage and $1,000 deductibles.
This brings up the issue that more than likely you may not be 40 years old (or even male), single instead of married, or maybe you just want different deductibles. Everone’s needs are different, and this illustrates why the best way to find the most affordable coverage for your Dodge is to do your own rate comparisons. Rate quotes are easy and you will receive prices from the best companies available.
The trim level of your vehicle will likely have an effect on the yearly cost, so the price to insure a Journey SE 2WD model will be $98 less expensive the insurance cost for the higher-end Journey SXT Crew AWD trim level, as shown in the table below.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Journey SE 2WD||$130||$186||$308||$18||$92||$734||$61|
|Journey SXT 2WD||$130||$226||$308||$18||$92||$774||$65|
|Journey R/T 2WD||$148||$226||$308||$18||$92||$792||$66|
|Journey SXT Crew 2WD||$148||$226||$308||$18||$92||$792||$66|
|Journey SXT AWD||$148||$226||$308||$18||$92||$792||$66|
|Journey R/T AWD||$148||$266||$308||$18||$92||$832||$69|
|Journey SXT Crew AWD||$148||$266||$308||$18||$92||$832||$69|
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Table data represents married male driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and Arizona minimum liability limits. Discounts applied include safe-driver, multi-vehicle, claim-free, homeowner, and multi-policy. Rate quotes do not factor in the specific area where the vehicle is garaged which can increase or decrease coverage rates substantially.
Best auto insurance company in Arizona
Choosing the highest-rated company can be difficult considering how many companies provide coverage in Arizona. The company rank data listed below may help you select which providers you want to consider comparing rates from. These ratings are only comprised of companies that insure vehicles nationwide, so companies that focus mainly on Arizona business will not be included in this list.
Top 10 Major Car Insurance Companies in Phoenix Ranked by A.M. Best Rating
- USAA – A++
- Travelers – A++
- State Farm – A++
- GEICO – A++
- Esurance – A+
- Nationwide – A+
- Allstate – A+
- Mercury Insurance – A+
- Progressive – A+
- Titan Insurance – A+
Top 10 Major Car Insurance Companies Overall in Phoenix
- American Family
- State Farm
- The Hartford
- AAA Insurance
- The General
- Titan Insurance
- Mercury Insurance
The illustration below demonstrates how deductible levels can change insurance rates when searching for cheap insurance for a Dodge Journey. The premiums assume a single female driver, comp and collision included, and no discounts are applied.
The chart above illustrates that a 50-year-old driver could cut expenses by $286 a year by switching their comprehensive and collision coverages from a $100 deductible up to a $500 deductible, or save $430 by changing to a $1,000 deductible. Even younger insureds, such as the Age 20 example, could potentially save as much as $724 each year by using a higher deductible.
If you do raise deductibles, it will now be necessary to have additional savings on hand to enable you to pay the extra out-of-pocket expense, which deters some drivers from choosing higher deductibles.
Do you need full coverage?
Lowering the price of auto insurance is probably important to the majority of drivers, and one way to pay lower rates for insurance for a Dodge Journey is to not buy full coverage. The example below illustrates the difference between insurance prices with full physical damage coverage and with liability coverage only. The prices are based on no claims or violations, $250 deductibles, drivers are not married, and no discounts are factored in.
As an average, full coverage costs $1,907 per year more than just buying liability insurance. That raises the question when is it safe to stop buying full coverage. There isn’t a written rule to drop physical damage coverage on your policy, but there is a guideline you can consider. If the annual cost of comprehensive and collision coverage is about 10% or more of the replacement cost minus the deductible, then it might be time to buy liability only.
How to find low-cost car insurance for a Dodge Journey
Below you’ll find some money-saving suggestions that can help Arizona drivers find cheaper car insurance.
- Drivers with good credit ratings often pay less
- Save money by observing traffic laws and speed limits
- Don’t have frequent claims
- Buying home and auto together can help save money
- Raise your deductibles
- Maintain a safe distance and avoid accidents
- Shop around for cheaper prices often
The last tip is extremely necessary, as we hit on in the prior information. Coverage prices can change significantly in a year, so drivers shouldn’t be reluctant to switch carriers if you can save money. We understand brand loyalty, but it isn’t a good idea if that dedication is costing several hundred dollars every year. Take a couple minutes and shop around to find cheaper auto insurance for a Dodge Journey in Phoenix.
If you wish to have the advice of a professional agent when shopping around for cheaper insurance for a Journey, the agents below can most likely help you decide which auto insurance policy would work best for you.
To find a Phoenix insurance agent near you, click the link at the bottom or click here to get price quotes now.
- Allstate Insurance: Christine Yap
9303 N 7th St Ste 5 – Phoenix, AZ 85020 – (602) 371-0581
- Arly Sanchez – State Farm Insurance Agent
1625 N 51st Ave Ste 103 – Phoenix, AZ 85035 – (602) 455-2886
- Rodriguez Insurance
5720 N 27th Ave – Phoenix, AZ 85017 – (602) 242-5303
- Farmer-Leavitt Insurance Agency
919 N 1st St – Phoenix, AZ 85004 – (602) 264-0566