Dodge Journey Insurance Rate Quotes in San Jose

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Really, the only way to find better pricing on Dodge Journey insurance in San Jose is to make a habit of comparing prices annually from different companies who sell insurance in California. Rate comparisons can be done by following these steps.

  1. Try to understand how your policy works and the measures you can control to prevent expensive coverage. Many things that result in higher rates such as getting speeding tickets and poor credit history can be eliminated by making minor driving habit or lifestyle changes. This article provides information to help keep rates affordable and get additional discounts that may be available.
  2. Compare price quotes from exclusive agents, independent agents, and direct providers. Direct companies and exclusive agencies can give quotes from a single company like GEICO and Allstate, while independent agents can quote prices for many different companies.
  3. Compare the new rate quotes to your existing policy and determine if cheaper Journey coverage is available. If you can save money, ensure there is no coverage lapse between policies.
  4. Give notification to your agent or company of your intent to cancel your current coverage. Submit the signed application along with the required initial payment to your new company or agent. Once the application is submitted, put the new certificate of insurance in an easily accessible location.

The critical component of shopping around is to compare the same amount of coverage on every price quote and and to look at all possible companies. This helps ensure a fair price comparison and a good representation of prices.

Insurance for Dodge JourneyA recent study showed that a large majority of auto insurance policyholders in California have been with the same company for four years or more, and just under half have never taken the time to shop around. Most drivers in the U.S. could save themselves as much as $850 a year, but they just assume it takes a lot of time to compare rates and save money.

If you currently have a car insurance policy, you will definitely be able to cut your premiums using the ideas you're about to read. These techniques will tell you the best way to buy inexpensive car insurance and also pocket some savings But California drivers must know how insurance companies calculate their prices because it can help you find the best coverage.

Cheapest companies for Dodge Journey insurance

The car insurance companies shown below have been selected to offer free rate quotes in San Jose, CA. If the list has multiple companies, it's a good idea that you get prices from several of them in order to get a fair rate comparison.

Dodge Journey detailed coverage information

The rate table shown below showcases a range of rate quotes for Dodge Journey models. Learning more about how policy premiums are determined can assist in making decisions on the best policy coverages.

Dodge Journey Insurance Rates in San Jose, CA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Journey SE 2WD $310 $434 $456 $26 $136 $1,362 $114
Journey SXT 2WD $310 $530 $456 $26 $136 $1,458 $122
Journey R/T 2WD $350 $530 $456 $26 $136 $1,498 $125
Journey SXT Crew 2WD $350 $530 $456 $26 $136 $1,498 $125
Journey SXT AWD $350 $530 $456 $26 $136 $1,498 $125
Journey R/T AWD $350 $624 $456 $26 $136 $1,592 $133
Journey SXT Crew AWD $350 $624 $456 $26 $136 $1,592 $133
Get Your Own Custom Quote Go

Table data represents married male driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and California minimum liability limits. Discounts applied include safe-driver, multi-vehicle, multi-policy, homeowner, and claim-free. Price estimates do not factor in vehicle location which can alter price quotes considerably.

Choosing deductibles

When buying insurance, a common question is the level to set your comp and collision deductibles. The following insurance rates can help illustrate the differences in premium rates when you select higher and lower policy deductibles. The first price estimate table uses a $250 deductible for physical damage and the second price grid uses a $1,000 deductible.

Dodge Journey insurance prices with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Journey SE 2WD $342 $472 $442 $26 $132 $1,439 $120
Journey SXT 2WD $342 $576 $442 $26 $132 $1,543 $129
Journey R/T 2WD $386 $576 $442 $26 $132 $1,587 $132
Journey SXT Crew 2WD $386 $576 $442 $26 $132 $1,587 $132
Journey SXT AWD $386 $576 $442 $26 $132 $1,587 $132
Journey R/T AWD $386 $678 $442 $26 $132 $1,689 $141
Journey SXT Crew AWD $386 $678 $442 $26 $132 $1,689 $141
Get Your Own Custom Quote Go
Dodge Journey insurance prices with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Journey SE 2WD $210 $298 $442 $26 $132 $1,108 $92
Journey SXT 2WD $210 $362 $442 $26 $132 $1,172 $98
Journey R/T 2WD $238 $362 $442 $26 $132 $1,200 $100
Journey SXT Crew 2WD $238 $362 $442 $26 $132 $1,200 $100
Journey SXT AWD $238 $362 $442 $26 $132 $1,200 $100
Journey R/T AWD $238 $426 $442 $26 $132 $1,264 $105
Journey SXT Crew AWD $238 $426 $442 $26 $132 $1,264 $105
Get Your Own Custom Quote Go

Price data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include multi-vehicle, safe-driver, multi-policy, homeowner, and claim-free. Table data does not factor in specific location information which can revise insurance rates noticeably.

We can estimate from the data above that using a $250 deductible costs an average of $32 more each month or $384 each year averaged for all Journey models than opting for the higher $1,000 deductible. Because you would pay $750 more out-of-pocket with a $1,000 deductible as compared to a $250 deductible, if you tend to have at a minimum 23 months between claims, you would save more money going with the higher deductible.

How to calculate when to raise deductibles

Average monthly premium for $250 deductibles: $132
Average monthly premium for $1,000 deductibles (subtract): - $100
Monthly savings from raising deductible: $32
Difference between deductibles ($1,000 - $250): $750
Divide difference by monthly savings: $750 / $32
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 23 months

One important caveat is that a higher deductible level means you will have to cover more of the damage yourself when you have a comprehensive or collision claim. It will be required that you have some money saved in order to pay the higher deductible in order to repair your vehicle.

The illustration below illustrates how your choice of deductibles and can affect Dodge Journey insurance costs for different age groups of insureds. The data assumes a married female driver, comprehensive and collision coverage, and no discounts are applied to the premium.

Drive responsibly or pay higher rates

The chart below illustrates how traffic citations and at-fault accidents drive up Dodge Journey annual premium costs for different categories of driver ages. The prices are based on a single female driver, full coverage, $500 deductibles, and no discounts are applied.

Men versus women drivers and insurance cost

The diagram below compares Dodge Journey yearly insurance costs for male and female drivers. The premiums assume a clean driving record, no at-fault accidents, full coverage, $100 deductibles, marital status is single, and no additional discounts are factored in.

Slash rates with these discounts on Dodge Journey insurance in San Jose

Some providers don't always advertise all their discounts in a way that's easy to find, so we break down both well-publicized in addition to some of the lesser obvious savings tricks you should be using when you buy San Jose auto insurance online.Save money with discounts

  • Professional Organizations - Having an affiliation with qualifying clubs or civic groups could earn you a nice discount on car insurance.
  • Early Renewal Discounts - Some companies give discounts for switching policies prior to your current Journey insurance policy expiration. Ten percent is about the average savings.
  • One Accident Forgiven - Not necessarily a discount, but some companies like Allstate and State Farm may permit one accident without raising rates as long as you don't have any claims for a specific time period.
  • Employee of Federal Government - Being employed by or retired from a federal job could cut as much as 10% off but check with your company.
  • Telematics Data - San Jose drivers who agree to allow driving data submission to monitor driving manner by using a telematics device such as In-Drive from State Farm or Allstate's Drivewise system could possibly reduce rates if their driving habits are good.
  • Multi-Vehicle Discounts - Buying coverage for multiple cars or trucks on one policy can reduce the rates for all insured vehicles.
  • Paper-free Discount - A few larger online companies give back up to $50 shop San Jose auto insurance on the internet.
  • Driver Education Discount - Have your child take driver's ed class if offered at their school.
  • New Car Discount - Insuring a new Journey can be considerably cheaper since newer vehicles have better safety ratings.

A little disclaimer on discounts, some of the credits will not apply to your bottom line cost. Some only reduce individual premiums such as comprehensive or collision. So despite the fact that it appears having all the discounts means you get insurance for free, it doesn't quite work that way.

The chart below illustrates the comparison of Dodge Journey insurance costs with and without discounts applied to the rates. The price estimates are based on a male driver, a clean driving record, no at-fault accidents, California state minimum liability limits, full coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with safe-driver, multi-policy, marriage, claim-free, multi-car, and homeowner discounts applied.

Insurance companies that may offer some of the above discounts are:

It's a good idea to ask all the companies which discounts they offer. Some credits may not apply in every state. If you would like to choose from a list of providers with the best Dodge Journey insurance discounts in San Jose, click here to view.

Why You Might Pay Lower Rates in San Jose

When buying car insurance it's important to understand some of the elements that come into play when calculating your car insurance rates. When you understand what impacts premium levels, this empowers consumers to make smart changes that may result in big savings. Many things are considered when premium rates are determined. A few of the factors are predictable like an MVR report, but other criteria are not quite as obvious such as your marital status or your financial responsibility.

  • City dwellers may pay more - Having an address in small towns and rural areas is a good thing when shopping for auto insurance. Urban drivers tend to have more auto accidents and a longer drive to work. Lower population means a lower chance of having an accident and a lower car theft rate.
  • Drivers with high credit save on car insurance - Credit score factor in calculating your premium rate. Insureds that have very good credit scores tend to file fewer claims and have better driving records than drivers who have poor credit. So if your credit rating can be improved, you could save money insuring your Dodge Journey if you improve your credit rating.
  • Younger driver insurance rates - Teen drivers in California tend to be more careless with other occupants in the car therefore car insurance rates are much higher. More mature drivers are more cautious drivers, file fewer claims, and get fewer tickets.

    The following chart is based on a single driver, full coverage with $500 deductibles, and no discounts or violations.

  • Lower rates by increasing deductibles - Insurance for physical damage, also called 'full coverage', helps pay for damage to your vehicle. Examples of some claims that would be covered are a dented fender, hail damage, and having your car stolen. Deductibles for physical damage define how much you are required to pay in the event of a claim. The more damage repair cost you have to pay, the less your car insurance will be.
  • Certain occupations pay higher rates - Careers like doctors, air traffic controllers, and financial analysts tend to have the highest average rates because of job stress and long work hours. On the other hand, occupations such as scientists, students and the unemployed have the lowest average rates.
  • Liability preserves assets - Liability coverage will afford coverage if you are responsible for an accident. Liability provides legal defense coverage which can be incredibly expensive. This coverage is relatively inexpensive when compared to the cost of physical damage coverage, so do not cut corners here.
  • Don't abuse policy claims - If you're an insured who likes to file claims you shouldn't be surprised to get either a policy non-renewal or much higher rates. Companies in California give the best rates to policyholders who are claim-free. Your car insurance is designed for the large, substantial claims.
  • Dodge Journey insurance loss probability - Insurers factor in historical loss data when they calculate premium rates for each model. Vehicles that the statistics show to have higher claim amounts or frequency will have higher rates. The table below illustrates the collected loss data for Dodge Journey vehicles.

    For each insurance policy coverage type, the claim probability for all vehicles, as a total average, is considered to be 100. Numbers under 100 are indicative of better than average losses, while values over 100 indicate more frequent losses or an increased probability of a larger loss.

    Dodge Journey Insurance Claim Statistics
    Vehicle Make and 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
    Statistics Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

Local San Jose auto insurance agents and car insurance

Some people still prefer to talk to an insurance agent and we recommend doing that An additional benefit of comparing car insurance online is the fact that drivers can get better rates but also keep your business local.

By using this quick form, your coverage information is transmitted to local insurance agents in San Jose that provide free San Jose auto insurance quotes for your car insurance coverage. There is no reason to contact any insurance agencies due to the fact that quote results will go to the email address you provide. You can find the lowest rates AND an agent nearby. If you wish to get a price quote from a specific company, just visit that company's website and complete a quote there.

Picking an insurance company should include more criteria than just a low price. These questions are important to ask:

  • Is the agent and/or agency licensed to do business in California?
  • Can you use your own choice of collision repair facility?
  • Do they offer accident forgiveness?
  • Can glass claims be handled at your home?
  • Will they take your side in the event of a claim?
  • If your car is in the repair shop, do you have coverage for a rental car?
  • Is working in the agency their full-time job?
  • Are they able to provide referrals?

When finding a local agent, it can be helpful to understand the types of insurance agents to choose from. Car insurance agencies are either independent (non-exclusive) or exclusive.

Exclusive Car Insurance Agencies

Agents that elect to be exclusive can only quote rates from one company such as Farmers Insurance or State Farm. Exclusive agencies are unable to provide other company's prices so they are skilled at selling on more than just price. Exclusive agents receive extensive training on the products they sell and that can be a competitive advantage. A lot of people buy insurance from these agents primarily because of the prominence of the brand rather than having the cheapest rates.

Shown below are San Jose exclusive agencies willing to provide price quotes.

More insurance agents

Independent Agents (or Brokers)

Agents in the independent channel can sell policies from many different companies and that gives them the ability to insure amongst many companies and find the cheapest car insurance rates. If prices rise, your policy is moved internally and the insured can keep the same agent. When comparison shopping, you will want to include rate quotes from independent agents for the best price selection. Most can insure with smaller regional carriers which can save you money.

Below is a short list of independent agents in San Jose that are able to give comparison quotes.

More insurance agents

Get the best coverage at the best price

When searching for affordable Dodge Journey insurance quotes, never skimp on coverage in order to save money. In too many instances, drivers have reduced physical damage coverage only to regret at claim time they didn't have enough coverage. The proper strategy is to buy a smart amount of coverage at the lowest possible cost, but don't skip important coverages to save money.

Budget-conscious Dodge Journey insurance is available both online as well as from insurance agents, and you should compare rates from both in order to have the best price selection to choose from. Some companies do not offer internet price quotes and these small insurance companies provide coverage only through local independent agents.

You just learned many ideas to get a better price on Dodge Journey insurance in San Jose. It's most important to understand that the more quotes you get, the higher the chance of saving money. Consumers may even find the biggest savings come from a small local company.

More information is located on the following sites: