Amazingly, nearly 70% of consumers kept their policy with the same company for at least the last four years, and 38% of drivers have never taken the time to shop around. California drivers can save hundreds of dollars each year just by shopping around, but they think it’s difficult to compare other rate quotes.
The best way we recommend to get more affordable Dodge Journey insurance in Riverside is to make a habit of comparing prices annually from providers that insure vehicles in California. You can shop around by following these steps.
- Spend a few minutes and learn about how companies price auto insurance and the factors you can control to keep rates low. Many policy risk factors that result in higher rates such as inattentive driving and a not-so-good credit history can be eliminated by improving your driving habits or financial responsibility.
- Compare price quotes from direct carriers, independent agents, and exclusive agents. Direct and exclusive agents can provide rates from one company like GEICO and Allstate, while agents who are independent can provide price quotes from many different companies.
- Compare the new rate quotes to the premium of your current policy and determine if cheaper Journey coverage is available. If you can save money, make sure there is no lapse in coverage.
One key aspect when comparing rates is that you’ll want to make sure you compare the same physical damage deductibles and liability limits on each quote request and and to look at as many carriers as you can. Doing this guarantees an accurate price comparison and a thorough selection of prices.
If you have a policy now or need new coverage, you can follow these tips to lower your rates without reducing coverage. Comparing rates for cheaper policy in Riverside can be fairly easy. Drivers just have to use the quickest way to compare rate quotes from many companies at once.
Cheap Riverside Dodge Journey insurance price quotes online
The companies shown below provide comparison quotes in Riverside, CA. If multiple companies are listed, it’s a good idea that you visit two to three different companies in order to get a fair rate comparison.
Get cheaper rates with discounts
Car insurance companies don’t list their entire list of discounts in an easy-to-find place, so below is a list both well-publicized in addition to some of the lesser obvious credits available to lower your premiums when you buy Riverside car insurance online.
- Military Discounts – Being on active duty in the military may lower your prices slightly.
- Multi-line Discount – Not every insurance company offers life insurance, but if they do you may earn a lower rate if you buy auto and life insurance together.
- Paperwork-free – Many insurance companies will give a small break simply for signing on the internet.
- Membership in Organizations – Being a member of qualifying clubs or civic groups can get you a small discount on your bill.
- Air Bag Discount – Factory air bags or motorized seat belts can qualify for discounts of 20 to 30 percent.
- Good Drivers – Accident-free drivers may receive a discount up to 45% than drivers with accident claims.
You can save money using discounts, but most of the big mark downs will not be given to the entire cost. A few only apply to the price of certain insurance coverages like liability, collision or medical payments. Just because it seems like all those discounts means the company will pay you, company stockholders wouldn’t be very happy. But all discounts will bring down your policy cost.
The example below illustrates the comparison of Dodge Journey insurance prices with and without discounts applied to the premium. The prices are based on a male driver, no claims or driving citations, California state minimum liability limits, full physical damage coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with safe-driver, multi-policy, homeowner, claim-free, multi-car, and marriage discounts applied.
To see insurance companies who offer free Dodge Journey insurance quotes in Riverside, click this link.
The rate table below highlights different coverage costs for Dodge Journey models. Being aware of how auto insurance policy rates are formulated can aid in making decisions on the best policy coverages.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Journey SE 2WD||$182||$292||$500||$30||$150||$1,154||$96|
|Journey SXT 2WD||$182||$354||$500||$30||$150||$1,216||$101|
|Journey R/T 2WD||$204||$354||$500||$30||$150||$1,238||$103|
|Journey SXT Crew 2WD||$204||$354||$500||$30||$150||$1,238||$103|
|Journey SXT AWD||$204||$354||$500||$30||$150||$1,238||$103|
|Journey R/T AWD||$204||$418||$500||$30||$150||$1,302||$109|
|Journey SXT Crew AWD||$204||$418||$500||$30||$150||$1,302||$109|
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Data assumes single female driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and California minimum liability limits. Discounts applied include claim-free, safe-driver, homeowner, multi-policy, and multi-vehicle. Price information does not factor in vehicle garaging location which can affect premiums noticeably.
Men versus women drivers and insurance cost
The diagram below illustrates the comparison of Dodge Journey auto insurance rates for male and female drivers. The data is based on no accidents or driving violations, comp and collision included, $100 deductibles, drivers are single, and no discounts are applied to the premium.
Cost of full coverage in Riverside
The illustration below visualizes the comparison of Dodge Journey insurance prices with full physical damage coverage compared to only buying liability only. The premiums are based on no tickets, no at-fault accidents, $1,000 deductibles, single marital status, and no discounts are applied to the premium.
Are you wasting money on full coverage?
There is no exact rule of when to eliminate physical damage insurance, but there is a general school of thought. If the yearly cost for physical damage coverage is 10% or more of replacement cost minus your deductible, then you might want to consider buying only liability coverage.
For example, let’s say your Dodge Journey settlement value is $9,000 and you have $1,000 deductibles. If your vehicle is totaled, the most your company will settle for is $8,000 after you pay the deductible. If you are paying in excess of $800 a year for your policy with full coverage, then it could be time to drop full coverage.
There are some scenarios where removing full coverage is not a good idea. If you still owe money on your vehicle, you have to carry full coverage to satisfy the loan requirements. Also, if you can’t afford to buy a different vehicle if your current one is damaged, you should keep full coverage on your policy.
You Can Change Your Insurance Rates
Consumers need to have an understanding of the rating factors that help calculate the level of your policy premiums. If you have some idea of what controls the rates you pay, this helps enable you to make changes that could result in better auto insurance rates. Lots of things are used when pricing auto insurance. Some factors are common sense like your driving record, although others are not quite as obvious like your continuous coverage or how safe your car is.
The factors shown below are a few of the “ingredients” used by insurance companies to determine rates.
How do annual miles impact premiums? – The higher the mileage driven in a year the higher your rates will be. Almost all companies calculate prices based upon how the vehicle is primarily used. Cars that are left in the garage can be on a lower rate level than vehicles that have high annual mileage. An improperly rated Journey may be costing you higher rates. It’s a smart idea to ensure your auto insurance declarations sheet properly reflects how each vehicle is driven.
Get better rates if married – Having a spouse can actually save you money on your auto insurance policy. Having a significant other demonstrates that you tend to be less irresponsible and insurance companies reward insureds because being married results in fewer claims.
Keep auto insurance rates low by being claim-free – Insurance companies in California generally give discounts to policyholders who do not file claims often. If you frequently file small claims, you can definitely plan on increased rates or even have your policy non-renewed. Auto insurance is designed for larger claims.
Higher comp and collision deductibles are cheaper – Coverage for physical damage, also called ‘full coverage’, covers your vehicle from damage. Some instances where coverage would apply are a broken side mirror, vandalism, and burglary. The deductibles you choose define the amount you are required to pay if a claim is determined to be covered. The more expense you choose to pay out-of-pocket, the bigger discount you will receive.
Is your vehicle built for speed? – The performance level of the vehicle you own makes a substantial difference in the rate you pay. The cheapest rates tend to be for low performance passenger cars, but there are many factors that impact the final cost.
The next chart is based on a married female driver age 50, full coverage with $1000 deductibles, and no discounts or violations. The chart compares Dodge Journey rates compared to other models of vehicles that have a range of performance risks.
Car insurance liability coverage limits – The liability section of your policy will protect you in the event that you are found to be at fault for causing damage or personal injury in an accident. Liability provides you with a defense in court to attempt to prove you were not liable. This coverage is very inexpensive when compared to the cost of physical damage coverage, so buy as much as you can afford.
Traffic violations increase rates – Whether or not you get tickets influences premium rates substantially. Only having one speeding ticket or other violation may cause rates to rise by as much as twenty percent. Attentive drivers get better prices compared to drivers with tickets. Drivers who have received dangerous violations like DUI, reckless driving or excessive speeding may find they need to maintain a SR-22 with their state in order to continue driving.
The example below shows how speeding tickets and at-fault fender-benders raise Dodge Journey insurance prices for each age group. The data is based on a single female driver, comprehensive and collision coverage, $500 deductibles, and no discounts are applied to the premium.
Dodge Journey historical loss data – Insurance companies use data from past claims as a way to help calculate a profitable premium rate. Models that the data determines to have a trend towards higher claims will have a higher cost to insure. The table below outlines the insurance loss data for Dodge Journey vehicles.
For each policy coverage type, the claim probability for all vehicles, regardless of manufacturer or model, equals 100. Values under 100 suggest a positive loss record, while values that are above 100 indicate more frequent claims or a tendency for losses to be larger than average.
|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|
Empty fields indicate not enough data collected
Data Source: Insurance Institute for Highway Safety for 2013-2015 Model Years