Insurance for Dodge JourneyI can't think of anyone who loves paying for car insurance, in particular when they could lower their rates if they shopped around.

It's astonishing, but nearly 70% of consumers have bought car insurance from the same company for a minimum of four years, and nearly half have never taken the time to shop around. Many consumers in Indiana could pocket nearly 55% a year by just comparing quotes, but they just assume it's a time-consuming process to compare rate quotes. Many car insurance companies compete to insure your vehicles, so it can be very hard to choose a provider and uncover the absolute lowest rate on Dodge Journey insurance in Fort Wayne.

It is always a good idea to take a look at other company's rates before your policy renews because prices are rarely the same from one policy term to another. Just because you found the best deal on Dodge Journey insurance in Fort Wayne at your last renewal other companies may now be cheaper. There is lot of inaccurate information about Journey insurance online, but I'm going to show you a lot of great tips on how to slash your car insurance rates in Fort Wayne.

Affordable companies for Dodge Journey insurance

The companies shown below are ready to provide comparison quotes in Fort Wayne, IN. If multiple providers are shown, we recommend you click on several of them to get a more complete price comparison.

Dodge Journey Insurance Rate Estimates in Fort Wayne, IN
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Journey SE 2WD $116 $186 $294 $18 $88 $702 $59
Journey SXT 2WD $176 $294 $280 $16 $84 $850 $71
Journey R/T 2WD $188 $304 $264 $16 $80 $852 $71
Journey SXT Crew 2WD $172 $230 $368 $22 $110 $902 $75
Journey SXT AWD $182 $272 $290 $18 $86 $848 $71
Journey R/T AWD $172 $340 $294 $18 $88 $912 $76
Journey SXT Crew AWD $234 $504 $294 $18 $88 $1,138 $95
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Data assumes married female driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and Indiana minimum liability limits. Discounts applied include claim-free, multi-vehicle, homeowner, multi-policy, and safe-driver. Rate information does not factor in garaging location in Fort Wayne which can impact premium rates greatly.

Car insurance deductibles

One of the hardest decisions when shopping for car insurance is at what level do you set your deductibles. The comparisons below can help show the rate fluctuation when you buy lower versus higher coverage deductibles. The first rate estimation uses a $250 deductible and the second rate table uses a $500 deductible.

Dodge Journey insurance rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Journey SE 2WD $216 $300 $280 $16 $84 $921 $77
Journey SXT 2WD $216 $366 $280 $16 $84 $987 $82
Journey R/T 2WD $244 $366 $280 $16 $84 $1,015 $85
Journey SXT Crew 2WD $244 $366 $280 $16 $84 $1,015 $85
Journey SXT AWD $244 $366 $280 $16 $84 $1,015 $85
Journey R/T AWD $244 $430 $280 $16 $84 $1,079 $90
Journey SXT Crew AWD $244 $430 $280 $16 $84 $1,079 $90
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Dodge Journey insurance rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Journey SE 2WD $176 $242 $280 $16 $84 $798 $67
Journey SXT 2WD $176 $294 $280 $16 $84 $850 $71
Journey R/T 2WD $200 $294 $280 $16 $84 $874 $73
Journey SXT Crew 2WD $200 $294 $280 $16 $84 $874 $73
Journey SXT AWD $200 $294 $280 $16 $84 $874 $73
Journey R/T AWD $200 $348 $280 $16 $84 $928 $77
Journey SXT Crew AWD $200 $348 $280 $16 $84 $928 $77
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Data rating is based on married male driver age 30, no speeding tickets, no at-fault accidents, and Indiana minimum liability limits. Discounts applied include safe-driver, claim-free, multi-policy, homeowner, and multi-vehicle. Premium costs do not factor in your specific Fort Wayne location which can decrease or increase auto insurance rates substantially.

We can derive from the above data that using a $250 deductible could cost the average driver approximately $12 more each month or $144 every year than opting for the higher $500 deductible. Because you would pay $250 more if you file a claim with a $500 deductible as compared to a $250 deductible, if you go at a minimum 21 months between claims, you would more than likely save some money if you opt for a higher deductible.

Save money by applying discounts

Car insurance is not cheap, but there could be available discounts to help offset the cost. Many of these discounts will be applied automatically at the time you complete a quote, but once in a while a discount must be manually applied before you get the savings.Auto insurance discounts

While discounts sound great, it's important to understand that most discount credits are not given to all coverage premiums. The majority will only reduce individual premiums such as medical payments or collision. So even though they make it sound like you would end up receiving a 100% discount, you aren't that lucky.

Larger auto insurance companies and their possible discounts are included below.

When getting a coverage quote, ask each company which discounts you may be entitled to. Some of the earlier mentioned discounts might not be offered on policies everywhere. To locate insurance companies that offer many of these discounts in Indiana, click here to view.

Get More Affordable Insurance Costs by Understanding These Factors

Lots of factors are taken into consideration when premium rates are determined. Some are pretty understandable such as traffic violations, but other criteria are less apparent like your vehicle usage or your financial responsibility.

Where do you drive? - The higher the miles on your Dodge every year the more you'll pay to insure your vehicle. The majority of insurers apply a rate based upon how much you drive. Vehicles that are left in the garage qualify for better rates compared to those used for work or business. Ask your agent if your policy properly reflects the right rating data. An improperly rated Journey can cost quite a bit.

Job and insurance premiums - Careers such as doctors, business owners and stock brokers have higher rates than the rest of us because of high stress levels and extremely grueling work hours. On the other hand, professions such as farmers, students and homemakers generally pay rates lower than average.

Getting married is a bonus - Getting married actually saves money when shopping for auto insurance. It is viewed as being less irresponsible it has been statistically shown that being married results in fewer claims.

Premiums are high for teenagers - More experienced drivers are viewed as being more responsible, tend to file fewer claims, and are safer drivers.Teen drivers are statistically shown to be easily distracted when driving with friends so they pay higher auto insurance rates.

Dodge Journey insurance loss data - Companies use past loss statistics for each vehicle when setting premium rates. Vehicles that have higher prevalence or dollar amount of losses will be charged more to insure.

The table below illustrates the historical loss data for Dodge Journey vehicles. For each policy coverage, the claim amount for all vehicles averaged together is set at 100. Percentages below 100 indicate a favorable loss history, while values over 100 indicate frequent claims or larger claims.

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

Everyone needs different car insurance coverages

When quoting and choosing the right insurance coverage for your vehicles, there really is not a "best" method to buy coverage. Everyone's needs are different so this has to be addressed.Drive safe and save Here are some questions about coverages that might help in determining whether your personal situation might need an agent's assistance.

If you're not sure about those questions but you think they might apply to your situation, then you may want to think about talking to a licensed agent. If you want to speak to an agent in your area, simply complete this short form or you can also visit this page to select a carrier It only takes a few minutes and you can get the answers you need.

Independent or exclusive auto insurance agents

Many drivers still prefer to go talk to an agent and that is recommended in a lot of cases Agents can point out coverage gaps and help in the event of a claim. The best thing about comparing auto insurance online is the fact that drivers can get cheap rate quotes and still have an agent to talk to. And providing support for local insurance agents is important especially in Fort Wayne.

After completing this quick form, your coverage information is immediately sent to local insurance agents that can provide free Fort Wayne car insurance quotes for your insurance coverage. It simplifies rate comparisons since you won't have to leave your computer because quoted prices will be sent to you directly. If you have a need to compare rates from a specific insurance company, you would need to visit that company's website and give them your coverage information.

Finding a good provider should depend on more than just a cheap price. Ask your prospective agent these questions:

If you feel you receive good answers for all questions you ask as well as a price you're happy with, you have narrowed it down to a company that is a good match to properly insure your vehicles. It's important to know that it's your coverage and you can cancel your policy for any reason so never assume that you are permanently stuck with any particular company with no way out.

Insurance advertising tricks

Indiana consumers can't escape the ads for insurance savings by Allstate, GEICO and Progressive. They all have a common claim that you'll save big if you move to them.

How is it possible that every company can save you money on Dodge Journey insurance in Fort Wayne? This is how they do it.

Insurance companies are able to cherry pick for a prospective insured that earns them the highest profit. For instance, a desirable risk may need to be a mature driver, is a homeowner, and drives less than 10,000 miles a year. A propective insured that fits those parameters will probably get the lowest rates and will probably save when switching.

Consumers who do not match the ideal profile may be required to pay a higher premium and this results in the customer not buying. If you pay attention, the ads say "drivers that switch" but not "all drivers who get quotes" save that kind of money. This is how companies can make those claims.

Each company has different criteria, so drivers must compare quotes as often as possible. Because without a comparison, you cannot know with any certainty which company will fit you best based on your risk profile.

In Summary

Low-cost Dodge Journey insurance in Fort Wayne is available on the web and from local agencies, so you should be comparing quotes from both to get a complete price analysis. A few companies do not provide rate quotes online and these smaller companies sell through independent agents.

We covered many ideas to shop for Dodge Journey insurance online. The key concept to understand is the more rate quotes you have, the higher the chance of saving money. Consumers could even find that the lowest premium rates are with a small mutual company. Regional companies can often provide lower prices in certain areas compared to the large companies like Allstate or State Farm.

More information can be found at these links: