Insurance for Dodge JourneyDo you want an efficient way to compare low-cost Dodge Journey insurance in Evansville? If price shopping Evansville auto insurance quotes online is new to you, most likely you are overwhelmed by the crazy number local agents and online companies that all promise the best rates for Dodge Journey insurance in Evansville.

Unimaginable but true, the majority of drivers renewed their policy with the same company for a minimum of four years, and virtually 40% of consumers have never shopped around. With the average auto insurance premium being $1,390, Indiana drivers could save nearly $700 every year by just shopping around, but they don't believe the benefits if they switched to a more affordable policy.

Our objective is to familiarize you with how auto insurance companies operate and some money-saving tips. If you're already insured, you will surely be able to reduce premiums using these tips. Nevertheless, Indiana car owners can benefit from knowing the way companies calculate your policy premium.

Dodge Journey Insurance Rates Can Be Cheaper

One of the most helpful ways to save on insurance is to to have a grasp of the factors that go into determining the rates you pay for insurance. When you understand what determines premiums, this enables you to make decisions that could result in big savings.

The list below includes some of the things used by your company to calculate your rates.

The quickest method we recommend to get policy rate comparisons for Dodge Journey insurance in Evansville is to know the fact most of the bigger providers participate in a system to give free rates quotes. The only thing you need to do is provide information like how your vehicles are used, if the vehicle is leased, marital status, and the type of vehicles you drive. Your rating data is then sent to insurance companies and you should receive rate quotes within a short period of time.

To start a rate quote now, click here and see if a lower rate is available in Evansville.

The companies shown below are our best choices to provide free rate quotes in Indiana. If several companies are displayed, we suggest you get prices from several of them in order to find the most affordable rates.

Dodge Journey Insurance Estimates in Evansville, IN
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Journey SE 2WD $132 $218 $340 $20 $102 $812 $68
Journey SXT 2WD $216 $366 $280 $16 $84 $962 $80
Journey R/T 2WD $210 $358 $294 $18 $88 $968 $81
Journey SXT Crew 2WD $130 $236 $318 $18 $94 $796 $66
Journey SXT AWD $118 $196 $270 $16 $80 $680 $57
Journey R/T AWD $172 $340 $318 $18 $94 $942 $79
Journey SXT Crew AWD $196 $400 $340 $20 $102 $1,058 $88
Get Your Own Custom Quote Go

Cost estimates assume single male driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Indiana minimum liability limits. Discounts applied include claim-free, safe-driver, homeowner, multi-vehicle, and multi-policy. Table data does not factor in specific Evansville garaging location which can revise coverage rates considerably.

Comparison of policy deductibles

The chart below illustrates how your choice of deductibles and can raise or lower Dodge Journey insurance costs for different age groups. The information is based on a married female driver, comprehensive and collision coverage, and no policy discounts are applied.

Ads can be misleading

Well-known insurance companies like Allstate, GEICO and Progressive constantly bombard you with ads on TV and radio. They all advertise the message of big savings just by switching to them. How does every insurance company make almost identical claims?

Insurance providers have underwriting criteria for the driver that earns them a profit. For example, this type of driver might have to be between the ages of 30 and 50, has no prior claims, and has great credit. Any customer who meets those qualifications may get the lowest prices in Evansville and is almost guaranteed to save when switching.

People who may not quite match these criteria may be forced to pay more expensive rates which translates to business going elsewhere. The trick is to say "drivers that switch" not "everyone who quotes" save that much money. This is how companies can advertise the way they do.

Because each company has a different risk profile, you really should compare many company's car insurance rates. It is just not possible to predict with any certainty which company will have the best rates at this point in time.

Protect your vehicle and other assets

Even though Evansville Journey insurance rates can get expensive, auto insurance is most likely required but also gives you several important benefits.

The benefits of having auto insurance are definitely more than the cost, particularly if you ever have a claim. The average driver in America overpays as much as $855 a year so you should quote your policy with other companies at least once a year to save money.

Get cheaper Dodge Journey insurance in Evansville with discounts

Some insurers don't always list every policy discount in an easy-to-find place, so below is a list a few of the more well known and also the lesser-known credits that you can use to lower your rates. If they aren't giving you every credit you qualify for, you could be saving more on your insurance.Insurance discounts

It's important to understand that many deductions do not apply to all coverage premiums. Most cut specific coverage prices like collision or personal injury protection. So when the math indicates adding up those discounts means a free policy, nobody gets a free ride. But any discount will cut your overall premium however.

The best insurance companies and their offered discounts include:

If you need low cost Evansville auto insurance quotes, ask every prospective company how you can save money. Some of the earlier mentioned discounts might not be offered in your state. If you would like to see a list of insurers that have a full spectrum of discounts in Evansville, click here.

Local neighborhood insurance agents

Many people just prefer to have an agent's advice and that is a personal choice. A nice benefit of comparing insurance prices online is that drivers can save money and get cheap insurance rates and also buy local. Putting coverage with local agencies is still important in Evansville.

Find insurance agent in EvansvilleTo help locate an agent, after submitting this form (opens in new window), your information is submitted to companies in Evansville who want to provide quotes to get your business. It's much easier because you don't need to even leave your home since rate quotes are delivered straight to your inbox. You'll get the best rates AND an agent nearby. If you want to compare rates for a specific company, you would need to find their quoting web page to submit a rate quote request.

Two different types of car insurance agents

If you would like to find a local agent, it's helpful to know the different types of agencies and how they can write your policy. Agencies in Evansville are categorized either exclusive or independent (non-exclusive).

Independent Insurance Agents

Agents that elect to be independent are normally appointed by many insurers so they can write business through many companies and find you the best rates. If your premiums go up, your agent can just switch to a different company and you won't have to switch agencies.

When comparing rate quotes, we highly recommend that you include price quotes from several independent insurance agents to have the most options to choose from. Most can insure with small regional insurance companies that can offer cheaper rates than bigger companies.

The following is a short list of independent agencies in Evansville that can possibly get you price quotes.

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Exclusive Insurance Agents

Agents in the exclusive channel can only provide pricing for a single company and some examples include Farmers Insurance, State Farm, Allstate, and AAA. They are unable to place coverage with different providers so they are skilled at selling on more than just price. These agents are well trained in insurance sales and that enables them to sell even at higher rates. Some consumers prefer to buy from the same agent for years mainly due to loyalty to the company instead of buying on price only.

The following are Evansville exclusive insurance agents who can help you get price quote information.

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Finding the right auto insurance agent needs to be determined by more than just the quoted price. Any agent in Evansville should have no problem answering these questions:

When do I need an agent's advice?

When it comes to choosing proper insurance coverage, there really is not a one size fits all plan. Everyone's needs are different and a cookie cutter policy won't apply.Higher deductibles save money For example, these questions can help discover whether you may require specific advice.

If it's difficult to answer those questions but you think they might apply to your situation, you might consider talking to an insurance agent. To find an agent in your area, fill out this quick form or go to this page to view a list of companies.

Compare. Compare. Compare.

We just presented a lot of information how to lower your Dodge Journey insurance prices in Evansville. It's most important to understand that the more rate quotes you have, the better your comparison will be. You may even find the lowest prices are with a small local company. Some small companies may only write in your state and offer lower rates than their larger competitors like Allstate, GEICO and Progressive.

When buying insurance coverage, do not reduce needed coverages to save money. In many cases, an insured cut collision coverage and found out when filing a claim that the small savings ended up costing them much more. Your goal should be to find the BEST coverage at a price you can afford while still protecting your assets.

Budget-conscious Dodge Journey insurance can be found both online and with local Evansville insurance agents, so get free Evansville auto insurance quotes from both of them in order to have the best chance of saving money. Some companies may not provide rates over the internet and usually these smaller companies sell through independent agents.

For more information, take a look at the resources below: