Buying the best cheap coverage for a Dodge Journey can be really easy, but it hinges on many factors such as how you use your Journey, if you are a frequent claim filer, and your choice of physical damage deductibles. Drivers in Texas pay on average $810 per year for Journey insurance, but that figure is a projection calculated using a 50-year-old married male driver with full physical damage coverage and $1,000 deductibles.
When making auto insurance estimates, the issue arises that you aren’t exactly 50 years old or even a male, maybe you are single instead of married, or maybe you have a teen driver on your policy that needs to be considered. Even a minor change in rating factors or requested coverage amount could end up in a significant change in the cost of insuring your Journey.
Not everyone needs the same coverages, so the best way to find the cheapest coverage for your Dodge is to compare rates from as many companies as possible.
Your vehicle’s trim level will be a contributing factor to the annual cost of coverage, so the price you pay to insure a Journey SE 2WD will be $112 less than the price to insure the fancier Journey SXT Crew AWD model, as shown in the table below.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Journey SE 2WD||$142||$218||$366||$22||$110||$858||$72|
|Journey SXT 2WD||$142||$266||$366||$22||$110||$906||$76|
|Journey R/T 2WD||$160||$266||$366||$22||$110||$924||$77|
|Journey SXT Crew 2WD||$160||$266||$366||$22||$110||$924||$77|
|Journey SXT AWD||$160||$266||$366||$22||$110||$924||$77|
|Journey R/T AWD||$160||$312||$366||$22||$110||$970||$81|
|Journey SXT Crew AWD||$160||$312||$366||$22||$110||$970||$81|
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Table data assumes married male driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Texas minimum liability limits. Discounts applied include multi-policy, safe-driver, homeowner, claim-free, and multi-vehicle. Estimates do not factor in specific zip code location which can modify prices greatly.
Determining which company has the cheapest car insurance rates for a Dodge Journey requires more work than just getting one or two price quotes. Every car insurance company uses their own method to determine premium rates, so we will examine the car insurance companies with the most affordable rates in Laredo.
Keep in mind that Texas car insurance rates are based on many factors that will increase or decrease the cost of having a policy. Getting older, having a teenage driver, or getting a driving violation can trigger price changes that may make certain companies cheaper than before.
Best Cheap Insurance Rates for Your Dodge
|Rank||Company||Cost Per Year|
|3||Texas Farm Bureau||$1,247|
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Travelers offers some of the most affordable car insurance rates in Laredo at around $1,052 annually. This is $852 less than the average policy premium paid by Texas drivers of $1,904. USAA, Texas Farm Bureau, Germania Mutual, and California Casualty also are some of the cheaper Laredo, TX insurance companies.
In this example, if you currently have coverage with Germania Mutual and switched to Travelers, you could realize savings of in the neighborhood of $204. Drivers with California Casualty might save as much as $344 a year, and Esurance policyholders might realize rate reductions of up to $369 a year.
If you want to find out if you’re overpaying, click here to get quotes or feel free to get quotes from the companies below.
Bear in mind that those premiums are averages for all drivers and vehicles in Texas and and are not figured with a specific vehicle garaging location for a Dodge Journey. So the insurer that can offer you the lowest price may not even be in the top 23 companies shown above. That affirms the importance of why you need to get quotes using your own specific driver information and vehicle.
Get discounts on Laredo auto insurance
Auto insurance companies that sell policies for a Dodge Journey may additionally offer discounts that can reduce rates by as much as 40% or more if you meet specific eligibility requirements. Larger car insurance companies and some of their more popular discounts are outlined below.
- Progressive has savings for good student, online signing, continuous coverage, multi-vehicle, multi-policy, and online quote discount.
- The Hartford includes discounts for good student, driver training, vehicle fuel type, air bag, anti-theft, bundle, and defensive driver.
- Mercury Insurance discounts include anti-theft, professional/association, good student, age of vehicle, type of vehicle, low natural disaster claims, and multi-car.
- GEICO has discounts for multi-policy, daytime running lights, emergency military deployment, five-year accident-free, military active duty, and federal employee.
- AAA may include discounts for pay-in-full, education and occupation, anti-theft, AAA membership discount, multi-car, and good student.
- State Farm offers premium reductions for anti-theft, multiple autos, good driver, good student, and Drive Safe & Save.
The diagram below compares premium costs with and without some available policy discounts. The price estimates are based on a female driver, no claims or violations, Texas state minimum liability limits, full physical damage coverage, and $250 deductibles. The first bar for each age group shows the average annual price with no discounts. The second shows the rates with accident-free, vehicle safety, anti-theft, claim-free, multiple policy, and homeowner discounts applied. When discounts are applied, the average savings per year on car insurance for a Dodge Journey is 28% or $635.
The chart below highlights how deductible choice can change insurance rates when quoting cheap insurance for a Dodge Journey. Data assumes a single female driver, comprehensive and collision coverage, and no discounts are taken into consideration.
The data above shows that a 30-year-old driver could lower their policy premium by $426 a year by increasing from a $100 deductible to a $500 deductible, or save $646 by choosing a $1,000 deductible. Younger drivers, such as the Age 20 example, could lower their rates as much as $946 each year by using a higher deductible. When choosing a higher deductible, it is a good idea to have additional funds squirreled away to enable you to cover the extra out-of-pocket expense, which is the main drawback of higher deductibles.
Last year’s bargain might be this year’s rip off
Laredo car insurance rates are determined by lots of factors that will increase or decrease the price you pay for coverage. Improving your credit rating, buying a home instead of renting, or getting into an accident can produce rate changes that may make certain companies more affordable than the competition. Additionally, auto insurance companies change the rates they charge in Texas without warning to adjust for unexpected claims or profits. Higher than normal claim frequency or severity may cause additional price hikes, while a better loss history may produce cheaper Journey insurance rates.
For example, the chart below shows which company has the cheapest car insurance in Laredo, TX for a 45-year-old male driver with no violations or accidents, and good credit. If we estimate rates based on his personal profile, Travelers may offer the lowest car insurance rates in Laredo at $1,245 per year. This is $659 less than the average rate paid by Texas drivers of $1,904. USAA, Germania Mutual, Texas Farm Bureau, and Esurance also make the list of the cheapest Laredo, TX auto insurance companies.
The next chart shows rates after we give the driver in the first chart some claims, slightly worse credit, and a speeding ticket. Since each auto insurer has a unique approach for determining rates in each state, comparing quotes may now present a significantly different list of the cheapest companies as shown below.
Mercury now has the lowest price in Laredo, TX with State Farm, Nationwide, Safe Auto, and USAA now rounding out the top five. This example illustrates why it is important to perform an extensive rate comparison when trying to get the most affordable auto insurance quotes for a Dodge Journey.
Auto insurance prices can be altered by many risk factors and change substantially, so the cheapest rate the last time you shopped your coverage around may now be one of the more expensive options.
The professional agents shown below can help you make a decision which policy is best, as many people would rather get some professional input when comparing insurance rates for a Journey. It’s not always easy to find the best policy yourself, and professional agents can bring peace of mind knowing you have adequate coverage when you need it most. To find an auto insurance agency close to where you live, click the button at the bottom.
Farmers Insurance – Gabriel Medina
9807 Mines Rd #6 – Laredo, TX 78045 – (956) 645-2510
J.J. MARTINEZ INSURANCE AGENCY
2101 Springfield Ave – Laredo, TX 78040 – (956) 723-7480
Farmers Insurance – Manuel Benavides
4001 McPherson Rd #105 – Laredo, TX 78041 – (956) 725-5901
505 Lafayette St – Laredo, TX 78041 – (956) 722-5300
Alphasure Affordable Insurance Services
1620 Chihuahua St – Laredo, TX 78043 – (956) 729-9500
How to find low-cost auto insurance for a Dodge Journey
The list below details some penny-pinching solutions that can help drivers locate more affordable auto insurance.
- Raise your deductibles
- Drop full coverage on older vehicles
- Pay lower rates with good credit
- Buy a safer vehicle
- Earn discounts for being claim-free
- Insure your home and auto with the same company
- Compare price quotes at least once a year
The final tip is especially necessary, as we noted in the prior information. Auto insurance rates fluctuate constantly, so drivers shouldn’t be resistant to buy a different policy if you find a better deal. Brand loyalty is great, but it’s not a great idea if that dedication is costing hundreds of dollars year after year. It only takes a couple minutes to compare rates to find cheaper auto insurance for a Dodge Journey in Laredo.