Save Money on Dodge Journey Insurance in Minneapolis

Paying for pricey Dodge Journey insurance in Minneapolis can empty your accounts and make it tough to pay other bills. Comparing cost estimates can help to lower your bills every month.

Shockingly, nearly 70% of customers have bought car insurance from the same company for four years or more, and just short of a majority have never even shopped around for affordable coverage. With the average car insurance premium being $1,847, American drivers can cut their rates by $860 a year, but they don’t want to spend time to shop around.

How to find cheaper rates for Dodge Journey insurance in Minneapolis

The easiest way to find cheaper quotes for auto insurance rates is to regularly compare price quotes from companies in Minneapolis. You can compare rates by following these guidelines.

1. Learn about what coverages are included in your policy and the factors you can control to drop your rates. Many factors that cause high rates like inattentive driving and a bad credit rating can be remedied by making minor changes to your lifestyle.
2. Compare rates from exclusive agents, independent agents, and direct providers. Direct and exclusive agents can only give rate quotes from a single company like GEICO and Allstate, while independent agents can give you price quotes from multiple insurance companies.
3. Compare the new rates to your existing rates to see if a cheaper rate is available in Minneapolis. If you find a lower rate and decide to switch, ensure there is no coverage lapse between policies.
4. Provide notification to your current company of your intent to cancel your current policy and submit payment and a signed application for the new coverage. Immediately keep your new certificate verifying proof of insurance in your vehicle.

The key thing to remember is to use identical limits and deductibles on every quote request and to quote with as many companies as possible. Doing this provides an accurate price comparison and the best price selection.

Many insurers compete for your hard-earned dollar, and it can be difficult to compare rates to discover the definitive lowest price on Dodge Journey insurance in Minneapolis.

Many insurance companies like Progressive, Allstate and GEICO give coverage prices directly from their websites. This process doesn’t take a lot of time as you just enter the coverages you want as detailed in the form. After you complete the form, the company’s rating system automatically retrieves your driving record and credit report and returns pricing information based on the data you entered. Getting online rate quotes for Dodge Journey insurance in Minneapolis makes it simple to compare prices and it’s also necessary to have as many quotes as possible if you want to get a better rate.

If you want to compare rates now, consider comparing rates from the companies shown below. To compare your current rates, we recommend you replicate deductibles and limits identical to your current policy. This guarantees you will be getting a fair comparison using the exact same coverages.

The companies shown below provide free quotes in Minnesota. To buy cheap auto insurance in Minneapolis, we suggest you visit two to three different companies to get the best price comparison.

Dodge Journey insurance discounts in Minneapolis

Car insurance companies don’t always list every available discount very well, so the list below contains some of the best known as well as the least known credits that you can use to lower your rates.

• Data Collection Discounts – People who choose to allow driving data collection to analyze where and when they drive through the use of a telematics system like In-Drive from State Farm and Progressive’s Snapshot may see discounts if they have good driving habits.
• Accident Forgiveness Coverage – Not really a discount, but some insurance companies allow you one accident without the usual rate increase so long as you are claim-free for a set time period.
• Drivers Education – Reduce the cost of insurance for teen drivers by having them participate in a local driver’s education class in school.
• Anti-lock Brake Discount – Cars and trucks equipped with ABS or steering control can stop better under adverse conditions and will save you 10% or more on Journey insurance in Minneapolis.
• Safe Drivers – Safe drivers may receive a discount up to 45% than less cautious drivers.
• Seat Belt Usage – Buckling up and requiring all passengers to use their safety belts can save a little off the personal injury premium cost.
• College Student – Kids who are enrolled in higher education away from home and do not take a car to college may qualify for this discount.
• Auto/Life Discount – Not every insurance company offers life insurance, but if they do you may earn a lower premium rate if you buy a life insurance policy as well.

Don’t be shocked that most credits do not apply to the whole policy. Most cut the cost of specific coverages such as collision or personal injury protection. Even though it may seem like it’s possible to get free car insurance, you’re out of luck.

The diagram below illustrates the comparison of Dodge Journey car insurance costs with and without discounts. The premiums assume a female driver, no claims or driving citations, Minnesota state minimum liability limits, comp and collision included, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-policy, homeowner, claim-free, marriage, multi-car, and safe-driver discounts applied.

Large car insurance companies and some of their more popular discounts can be read below.

• Farm Bureau policyholders can earn discounts including 55 and retired, youthful driver, driver training, renewal discount, safe driver, and good student.
• State Farm offers discounts including student away at school, multiple autos, multiple policy, passive restraint, anti-theft, accident-free, and good student.
• Progressive discounts include multi-vehicle, multi-policy, online quote discount, continuous coverage, and good student.
• Allstate has savings for premier discount, economy car, senior citizen, eSmart discount, defensive driver, and good student.
• Nationwide may offer discounts for defensive driving, multi-policy, anti-theft, good student, family plan, and Farm Bureau membership.
• MetLife offers premium reductions for good driver, multi-policy, defensive driver, claim-free, and good student.

Before purchasing a policy, check with every prospective company which discounts you qualify for. Some credits may not be offered everywhere. To see providers that offer multiple discounts in Minnesota, follow this link.

Car insurance data for a Dodge Journey

The data table shown next showcases estimates of insurance rates for Dodge Journey models. Being aware of how rates are determined helps drivers make smart choices when selecting a coverage provider.

Data assumes single male driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and Minnesota minimum liability limits. Discounts applied include claim-free, safe-driver, multi-policy, multi-vehicle, and homeowner. Information does not factor in specific garaging location which can impact prices noticeably.

Rate comparison for different deductibles

One of the hardest decisions when shopping for car insurance is which deductible level should you buy. The figures shown below can help illustrate the difference in cost between high and low physical damage coverage deductibles. The first set of rates uses a $100 deductible for comp and collision and the second price grid uses a $1,000 deductible.

Prices above based on married male driver age 30, no speeding tickets, no at-fault accidents, and Minnesota minimum liability limits. Discounts applied include safe-driver, claim-free, homeowner, multi-policy, and multi-vehicle. Rate information does not factor in specific location which can decrease or increase premiums significantly.

Based on the figures above, using a $100 deductible could cost the average driver approximately $33 more each month or $396 for a full year averaged for all Journey models than choosing the higher $1,000 deductible. Since you would have to pay $900 more if you turn in a claim with a $1,000 deductible as compared to a $100 deductible, if you go at least 27 months between claim filings, you would probably be better off if you choose the higher deductible. Below is the way you can perform this determination yourself.

An important thing to remember is that higher deductibles results in more money out-of-pocket if you have a claim. You must have enough money stashed away in the event you have to pay the higher deductible in order to repair your vehicle.

How accidents and tickets impact rates

The information below highlights how traffic violations and at-fault accidents can affect Dodge Journey premium costs for different age groups. The rate quotes are based on a single male driver, full physical damage coverage, $1,000 deductibles, and no discounts are factored in.

Full coverage versus liability only rates

The chart below illustrates the difference between Dodge Journey insurance costs with full physical damage coverage compared to only buying the minimum liability limits required in Minnesota. The premium estimates are based on no tickets, no at-fault accidents, $1,000 deductibles, marital status is single, and no discounts are applied to the premium.

Should you pay for full coverage or liability only?

There is no clear-cut rule for eliminating comp and collision coverage, but there is a broad guideline. If the annual cost of having full coverage is more than 10% of replacement cost minus your deductible, then it might be time to consider dropping full coverage.

For example, let’s assume your Dodge Journey book value is $5,000 and you have $1,000 physical damage deductibles. If your vehicle is totaled in an accident, the most your company will settle for is $4,000 after paying your deductible. If it’s costing in excess of $400 a year for comprehensive and collision coverage, then it’s probably a good time to buy liability coverage only.

There are some cases where eliminating full coverage is not a good plan. If you haven’t satisfied your loan, you are required to maintain full coverage in order to keep the loan. Also, if you don’t have enough money to buy a different vehicle if your current one is in an accident, you should keep full coverage in place.

Smart Buyers Save Every Year

Many different elements are considered when you get a price on insurance. Some are obvious like your driving record, although others are more transparent like your vehicle usage or how financially stable you are.

• Alarms and GPS tracking lower car insurance rates – Choosing to buy a car with a theft deterrent system can earn a premium discount. Theft deterrent systems such as vehicle immobilizer systems, OnStar, and tracking devices like LoJack can help prevent your car from being stolen.
• Why do you need liability protection? – Liability coverage will afford coverage when a court rules you are at fault for damages caused by your negligence. Your policy’s liability insurance provides legal defense coverage up to the limits shown on your policy. It is affordable coverage when compared to the cost of physical damage coverage, so drivers should carry high limits.
• Cars with good safety ratings cost less to insure – Safer cars tend to be cheaper to insure. These vehicles protect occupants better and any reduction in injury severity means less money paid by your insurance company which can mean better rates for you.
• Extra coverages can add up – There are quite a few add-on coverages that may not really be needed on your Journey policy. Coverages for rental car coverage, accidental death, and membership fees are examples of these. These coverages may sound good when deciding what coverages you need, but now you might not need them so remove them and pocket the money.
• Your job and car insurance rates – Jobs such as real estate brokers, business owners, and stock brokers generally have higher rates than average due to high stress and long work days. On the other hand, jobs like scientists, engineers and retirees have the lowest average rates.

• Insurance loss data for a Dodge Journey – Companies factor in insurance loss information when determining insurance costs. Vehicles that the statistics show to have increased losses will have higher premium rates.

  The table below outlines the insurance loss data used by companies for Dodge Journey vehicles. For each insurance policy coverage type, the statistical loss for all vehicles, as a total average, is represented as 100. Values under 100 indicate a favorable loss history, while percentage values above 100 show a trend for more claims or an increased likelihood of larger losses.

  
  

  Insurance Loss Ratings for Dodge Journey Vehicles

  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
  Data Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

Local insurance agents

Some people would prefer to have an agent’s advice and that is a smart decision Most agents are highly skilled in risk management and give you someone to call. The best thing about comparing rate quotes online is you may find the best rates but still work with a licensed agent. Buying from and supporting small agencies is important particularly in Minneapolis.

To help locate an agent, after submitting this short form, your information is sent to local insurance agents who will return price quotes for your coverage. You won’t even need to contact an agency due to the fact that quote results will go immediately to your email address. If you have a need to compare prices from one company in particular, just visit that company’s website and give them your coverage information.

When searching for an insurance agent, it’s important to understand the types of insurance agents and how they differ in how they can insure your vehicles. Agents in Minneapolis are categorized either exclusive or independent (non-exclusive). Both can sell car insurance policies, but it is a good idea to know the difference in the companies they write for since it can impact which agent you choose.

Independent Agents (or Brokers)

Independent agencies do not sell for just one brand so they can quote policies through lots of different companies and find you the best rates. If premiums increase, they simply move your policy to a different company and you won’t have to switch agencies. When shopping rates, we highly recommend that you get several quotes from independent agents so that you have a good selection of quotes to compare.

Listed below is a list of independent agents in Minneapolis who may be able to give you price quote information.

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Exclusive Car Insurance Agencies

Agents of this type can usually just insure with one company and examples are American Family, State Farm, and Allstate. Exclusive agencies are unable to shop your coverage around so they have to upsell other benefits. Exclusive agents are well schooled on their products and sales techniques and that can be a competitive advantage.

Below are Minneapolis exclusive agencies who can help you get price quotes.

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Finding the right insurance agent needs to be determined by more than just the quoted price. Here are some questions to ask:

• Are there any hidden costs in their price quote and does it include driving and credit history?
• Is the agent and/or agency licensed to do business in Minnesota?
• What company holds the largest book of business for them?
• If your car is in the repair shop, do you have coverage for a rental car?
• Do the companies they represent have a solid financial rating?

When do I need an agent’s advice?

When it comes to the right insurance coverage, there really isn’t a single plan that fits everyone. Every situation is different.

For instance, these questions might help in determining if your insurance needs will benefit from professional help.

• Does my Dodge Journey qualify for pleasure use?
• Will I lose any money if I cancel my policy before it expires?
• I have good health insurance, so how much medical payments coverage do I need?
• Does my Dodge Journey need full coverage?
• Can my babysitter drive my car?
• If I use my vehicle for business use is it covered?
• Is a new car covered when I drive it off the dealer lot?
• Why do I have to buy liability insurance?
• Can I make deliveries for my home business?

If you’re not sure about those questions, you might consider talking to an insurance agent. To find lower rates from a local agent, simply complete this short form. It is quick, free and can provide invaluable advice.

Smart shoppers get results

Cheaper Dodge Journey insurance in Minneapolis is available online and also from your neighborhood Minneapolis agents, so you should be comparing quotes from both to have the best chance of lowering rates. Some auto insurance companies may not offer the ability to get a quote online and usually these small insurance companies only sell coverage through independent agents.

As you prepare to switch companies, don’t be tempted to skimp on critical coverages to save a buck or two. There are too many instances where an insured cut comprehensive coverage or liability limits and learned later that saving that couple of dollars actually costed them tens of thousands. Your focus should be to buy a smart amount of coverage at the best price while not skimping on critical coverages.

Consumers leave their current company for a number of reasons such as poor customer service, denial of a claim, not issuing a premium refund and even being labeled a high risk driver. Regardless of your reason, choosing a new company is not as difficult as it may seem.

How to find low-cost Dodge Journey insurance in Minneapolis

The best way to find lower priced auto insurance rates is to compare prices regularly from insurers in Minneapolis. This can be done by completing these steps.

1. Try to learn about the coverage provided by your policy and the changes you can make to drop your rates. Many rating criteria that increase rates such as getting speeding tickets and a negative credit history can be rectified by making small lifestyle or driving habit changes.
2. Request price quotes from direct carriers, independent agents, and exclusive agents. Exclusive agents and direct companies can only give rate quotes from one company like GEICO or Allstate, while agents who are independent can quote rates from multiple sources.
3. Compare the new rate quotes to the premium of your current policy and see if there is a cheaper rate. If you find better rates and make a switch, make sure there is no lapse in coverage.
4. Provide notification to your current company of your intention to cancel your current car insurance policy and submit the completed application along with a down payment for the new policy. Once coverage is bound, put the new certificate of insurance in a readily accessible location in your vehicle.

A good tip to remember is to use identical coverage information on each price quote and and to get quotes from as many different companies as possible. This guarantees a level playing field and the best rate selection.

To learn more, feel free to browse these articles:

• What to do at the Scene of an Accident (Insurance Information Institute)
• Who Has Cheap Car Insurance for Electric Cars in Minneapolis? (FAQ)
• What Car Insurance is Cheapest for Teenage Males in Minneapolis? (FAQ)
• Learn About Car Insurance (GEICO)
• Vehicle Safety Ratings (iihs.org)
• Shopping for a Safe Car (Insurance Information Institute)