How to Save on Dodge Journey Insurance in Orlando

It’s hard to fathom, but nearly 70% of drivers kept their coverage with the same insurance company for at least the last four years, and about 40% of consumers have never quoted rates to find cheaper coverage. Consumers in Florida can save as much as $1,126 each year just by getting comparison quotes, but they think it’s difficult to save money by comparing rate quotes.

Insurance quote for Dodge Journey in OrlandoIf you want to save the most money, the best way to find affordable Dodge Journey insurance is to make a habit of regularly comparing prices from providers that sell auto insurance in Orlando. Drivers can shop around by following these guidelines.

Step 1: Get an understanding of what coverages are included in your policy and the modifications you can make to keep rates in check. Many rating factors that are responsible for high rates like traffic citations and a not-so-good credit rating can be controlled by paying attention to minor details. This article gives additional tips to get cheaper rates and find discounts that you may qualify for.

Step 2: Request price quotes from direct carriers, independent agents, and exclusive agents. Direct and exclusive agents can give quotes from a single company like GEICO or Allstate, while independent agents can provide price quotes from multiple companies.

Step 3: Compare the quotes to your existing rates and determine if cheaper Journey coverage is available. If you can save some money and make a switch, make sure the effective date of the new policy is the same as the expiration date of the old one.

Step 4: Notify your current company of your intention to cancel your current car insurance policy. Submit the application along with any required down payment to your new insurance company. Once received, put the proof of insurance certificate somewhere easily accessible.

An important bit of advice to remember is to make sure you enter identical limits and deductibles on every quote request and to quote with as many different companies as possible. This enables an accurate price comparison and maximum price selection.

If you are insured now or just want cheaper coverage, you can use these techniques to get lower rates and still get good coverage. Quoting and comparing the best car insurance policy in Orlando is not as difficult as people think. You only have to learn the most effective way to find the lowest price online from multiple companies.

Cheap auto insurance in Orlando, FL

The auto insurance companies shown below are our best choices to provide free quotes in Orlando, FL. If you want to find cheap car insurance in Florida, we recommend you click on several of them to get the most affordable price.

Data for Dodge Journey insurance

The premium table shown next covers detailed analysis of rate quotes for Dodge Journey models. Learning more about how insurance rates are calculated can help you make smart buying decisions.

Dodge Journey Insurance Rates in Orlando, FL
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Journey SE 2WD $310 $504 $542 $32 $162 $1,550 $129
Journey SXT 2WD $310 $614 $542 $32 $162 $1,660 $138
Journey R/T 2WD $350 $614 $542 $32 $162 $1,700 $142
Journey SXT Crew 2WD $350 $614 $542 $32 $162 $1,700 $142
Journey SXT AWD $350 $614 $542 $32 $162 $1,700 $142
Journey R/T AWD $350 $724 $542 $32 $162 $1,810 $151
Journey SXT Crew AWD $350 $724 $542 $32 $162 $1,810 $151
Get Your Own Custom Quote Go

Data assumes single female driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and Florida minimum liability limits. Discounts applied include claim-free, homeowner, multi-vehicle, safe-driver, and multi-policy. Information does not factor in Orlando location which can influence coverage prices greatly.

Where to set your deductibles

One of the hardest decisions when shopping for auto insurance is at what level do you set your deductibles. The rates shown below lay out the rate fluctuation between low and high comp and collision deductibles. The first data set uses a $250 deductible for comp and collision and the second rate chart uses a $500 deductible.

Dodge Journey insurance premium rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Journey SE 2WD $322 $446 $418 $24 $124 $1,359 $113
Journey SXT 2WD $322 $544 $418 $24 $124 $1,457 $121
Journey R/T 2WD $364 $544 $418 $24 $124 $1,499 $125
Journey SXT Crew 2WD $364 $544 $418 $24 $124 $1,499 $125
Journey SXT AWD $364 $544 $418 $24 $124 $1,499 $125
Journey R/T AWD $364 $640 $418 $24 $124 $1,595 $133
Journey SXT Crew AWD $364 $640 $418 $24 $124 $1,595 $133
Get Your Own Custom Quote Go

Dodge Journey insurance premium rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Journey SE 2WD $262 $360 $418 $24 $124 $1,188 $99
Journey SXT 2WD $262 $438 $418 $24 $124 $1,266 $106
Journey R/T 2WD $296 $438 $418 $24 $124 $1,300 $108
Journey SXT Crew 2WD $296 $438 $418 $24 $124 $1,300 $108
Journey SXT AWD $296 $438 $418 $24 $124 $1,300 $108
Journey R/T AWD $296 $516 $418 $24 $124 $1,378 $115
Journey SXT Crew AWD $296 $516 $418 $24 $124 $1,378 $115
Get Your Own Custom Quote Go

Premium data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Florida minimum liability limits. Discounts applied include claim-free, multi-vehicle, homeowner, safe-driver, and multi-policy. Rate information does not factor in Orlando location which can alter rates greatly.

Using the premium rates above, we can conclude that using a $250 deductible costs an average of $17 more each month or $204 annually across all Dodge Journey models than selecting the higher $500 deductible. Since you would have to pay $250 more to file a claim with a $500 deductible as compared to a $250 deductible, if you normally average at a minimum 15 months between claim filings, you would save money if you elect the higher deductible.

How to decide to raise your deductibles

Average monthly premium for $250 deductibles: $125
Average monthly premium for $500 deductibles (subtract): – $108
Monthly savings from raising deductible: $17
Difference between deductibles ($500 – $250): $250
Divide difference by monthly savings: $250 / $17
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 15 months

One important caveat is that higher deductibles results in having to pay to pay more out-of-pocket when you have a claim. That will force you to have some savings in the bank in order to pay the deductible for vehicle repair.

Does full coverage make sense?

The information below visualizes the comparison of Dodge Journey insurance costs with liability coverage only compared to full coverage. The costs are based on a clean driving record, no claims, $250 deductibles, drivers are single, and no additional discounts are factored in.

When to drop full coverage

There is no clear-cut rule for phasing out full coverage, but there is a guideline you can consider. If the annual cost of having full coverage is about 10% or more of the vehicle’s replacement cost less your deductible, then it may be the right time to buy liability only.

For example, let’s say your Dodge Journey claim settlement value is $4,000 and you have $1,000 physical damage deductibles. If your vehicle is destroyed, the most your company would pay you is $3,000 after paying the physical damage deductible. If you are paying more than $300 a year for your policy with full coverage, then it might be time to consider dropping full coverage.

There are a few situations where only buying liability is not a good idea. If you still owe a portion of the original loan, you have to maintain full coverage as part of the loan requirements. Also, if you don’t have enough money to buy a different vehicle if your current one is damaged, you should not buy liability only.

Companies offer money-saving discounts on Dodge Journey insurance in Orlando

The price of auto insurance can be rather high, but you might be missing out on some discounts to help bring down the price. Some trigger automatically when you get a quote, but some may not be applied and must be specially asked for before they will apply.

Discounts lower rates, but some of the credits will not apply to all coverage premiums. Most cut specific coverage prices like physical damage coverage or medical payments. So even though it sounds like all those discounts means the company will pay you, it’s just not the way it works.

The example below illustrates the comparison of Dodge Journey insurance rates with and without discounts being applied to the rates. The data is based on a female driver, no accidents or driving violations, Florida state minimum liability limits, full physical damage coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with safe-driver, marriage, homeowner, multi-policy, claim-free, and multi-car discounts applied.

To find providers that offer discounts in Orlando, follow this link.

When should I have guidance from a local insurance agent?

Some people would prefer to sit down with an agent and there is nothing wrong with that. Licensed agents are trained to spot inefficiencies and help file insurance claims. The biggest benefit of comparing insurance prices online is you can get the lowest rates and also buy local. And supporting neighborhood insurance agencies is still important in Orlando.

Insurance agents in OrlandoOnce you complete this short form, your insurance data is emailed to insurance agents in Orlando who will give you bids for your business. You won’t need to leave your house due to the fact that quote results will go immediately to you. If you wish to get a rate quote from a specific insurance company, feel free to visit that company’s website to submit a rate quote request.

Independent or Exclusive: It’s your choice

If you prefer to buy insurance from a reputable insurance agent or broker, it’s important to understand the different types of agents and how they work. Insurance agencies are considered either independent agents or exclusive agents. Both can provide insurance policies, but it is a good idea to know how they are different because it can impact the selection process.

Independent Agents

Agents that choose to be independent often have many company appointments and that allows them to write policies through many different insurance companies and get you the best rates possible. To transfer your coverage to a different company, your agent can switch companies which makes it simple for you.

If you are comparing insurance prices, you should always get insurance quotes from a few independent agents so that you can do a thorough price comparison. Many independent agencies also insure through companies you’ve never heard of that may have much lower rates than larger companies.

Below is a list of independent agents in Orlando that can possibly get you free insurance rate quotes.

View more agents

Exclusive Insurance Agents

Agents of this type can only place business with one company like Farmers Insurance, Allstate, or State Farm. Exclusive agencies are unable to give you multiple price quotes so you might not find the best rates. They are highly trained in insurance sales and that allows them to sell at a higher price point. A lot of people buy from exclusive agents partially due to the brand and solid financial strength.

Shown below is a list of exclusive insurance agents in Orlando that can give you price quotes.

View more agents

Choosing a car insurance agent should depend on more than just a cheap quote. Before buying a policy in Orlando, get answers to these questions.

What is the best auto insurance company in Florida?

Choosing the right auto insurance company can be challenging considering how many companies sell coverage in Orlando. The company ratings shown below may help you pick which auto insurers to look at purchasing from.

Top 10 Orlando Car Insurance Companies Overall

  1. Travelers
  2. USAA
  3. Mercury Insurance
  4. AAA Insurance
  5. Nationwide
  6. Allstate
  7. State Farm
  8. The Hartford
  9. Safeco Insurance
  10. Progressive

The best insurance company isn’t always the cheapest

When searching for low cost Orlando auto insurance quotes, don’t be tempted to reduce needed coverages to save money. Too many times, an insured cut comprehensive coverage or liability limits only to regret that a couple dollars of savings turned into a financial nightmare. Your goal is to find the BEST coverage at a price you can afford and still be able to protect your assets.

You just read a lot of tips how to lower your Dodge Journey insurance premium rates in Orlando. The most important thing to understand is the more times you quote, the better your chances of lowering your prices. Consumers could even find that the lowest premium rates are with a smaller regional carrier.

The cheapest Dodge Journey insurance in Orlando is definitely available on the web and from local insurance agents, and you should compare rates from both to have the best rate selection. Some insurance companies don’t offer online price quotes and these regional carriers prefer to sell through independent agents.

Additional detailed information can be found in the articles below: