Dodge Journey Insurance Quotes in Pittsburgh

If saving the most money is your goal, then the best way to get discount Dodge Journey insurance is to begin comparing prices regularly from providers who sell auto insurance in Pittsburgh. This can be done by completing these steps.

Step 1: Spend some time learning about the different coverages in a policy and the measures you can control to prevent high rates. Many things that cause high rates such as speeding and poor credit rating can be improved by making minor driving habit or lifestyle changes. Later in this article we will cover more ideas to help prevent high rates and find more discounts that you may not know about.

Step 2: Request rate estimates from independent agents, exclusive agents, and direct companies. Exclusive agents and direct companies can provide rates from one company like GEICO and State Farm, while independent agents can provide price quotes from many different companies. View companies

Step 3: Compare the new rate quotes to your existing rates to see if a cheaper price is available. If you find better rates and switch companies, ensure coverage does not lapse between policies.

Step 4: Give notification to your agent or company of your intention to cancel your current policy and submit a completed application and payment for your new coverage. Once the application is submitted, put the new certificate verifying proof of insurance with your vehicle’s registration.

The key thing to remember is to compare the same liability limits and deductibles on every quote request and and to look at as many car insurance companies as possible. This ensures an accurate price comparison and a complete rate analysis.

Insurance rates Dodge Journey in PittsburghAstonishing but true, about 70% of customers have bought insurance from the same company for a minimum of four years, and nearly 40% of drivers have never even compared quotes to find cheap rates. Drivers in Pittsburgh can cut their rates by about $686 a year by just comparing quotes, but they just don’t understand the large savings they would see if they changed companies.

How to shop Dodge Journey insurance online

When comparing insurance rates, know that quoting more helps you find a lower rate.

The providers in the list below are our best choices to provide price quotes in Pittsburgh, PA. To locate cheap auto insurance in Pennsylvania, it’s a good idea that you visit two to three different companies in order to find the lowest rates.

Rates and detailed analysis

The premium table displayed next outlines detailed analysis of policy rates for Dodge Journey models. Having a good grasp of how insurance premiums are calculated helps drivers make informed coverage decisions.

Dodge Journey Insurance Rates in Pittsburgh, PA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Journey SE 2WD $178 $278 $346 $20 $104 $926 $77
Journey SXT 2WD $178 $338 $346 $20 $104 $986 $82
Journey R/T 2WD $200 $338 $346 $20 $104 $1,008 $84
Journey SXT Crew 2WD $200 $338 $346 $20 $104 $1,008 $84
Journey SXT AWD $200 $338 $346 $20 $104 $1,008 $84
Journey R/T AWD $200 $400 $346 $20 $104 $1,070 $89
Journey SXT Crew AWD $200 $400 $346 $20 $104 $1,070 $89
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Price data assumes married female driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Pennsylvania minimum liability limits. Discounts applied include safe-driver, claim-free, multi-policy, homeowner, and multi-vehicle. Rate information does not factor in zip code location which can change coverage prices considerably.

Deductible analysis

When buying car insurance, a common question is how high should the physical damage deductibles be. The comparison tables below may help you to understand the cost difference when you buy lower versus higher comp and collision deductibles. The first set of rates uses a $250 deductible for comprehensive and collision coverage and the second set of rates uses a $500 deductible.

Dodge Journey insurance policy rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Journey SE 2WD $254 $352 $330 $20 $98 $1,079 $90
Journey SXT 2WD $254 $428 $330 $20 $98 $1,155 $96
Journey R/T 2WD $288 $428 $330 $20 $98 $1,189 $99
Journey SXT Crew 2WD $288 $428 $330 $20 $98 $1,189 $99
Journey SXT AWD $288 $428 $330 $20 $98 $1,189 $99
Journey R/T AWD $288 $506 $330 $20 $98 $1,267 $106
Journey SXT Crew AWD $288 $506 $330 $20 $98 $1,267 $106
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Dodge Journey insurance policy rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Journey SE 2WD $206 $284 $330 $20 $98 $938 $78
Journey SXT 2WD $206 $346 $330 $20 $98 $1,000 $83
Journey R/T 2WD $234 $346 $330 $20 $98 $1,028 $86
Journey SXT Crew 2WD $234 $346 $330 $20 $98 $1,028 $86
Journey SXT AWD $234 $346 $330 $20 $98 $1,028 $86
Journey R/T AWD $234 $408 $330 $20 $98 $1,090 $91
Journey SXT Crew AWD $234 $408 $330 $20 $98 $1,090 $91
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Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and Pennsylvania minimum liability limits. Discounts applied include multi-policy, claim-free, safe-driver, multi-vehicle, and homeowner. Premium amounts do not factor in the specific area where the vehicle is garaged which can affect coverage rates substantially.

Using the premium rates above, we can conclude that using a $250 deductible would cost the average driver about $13 more each month or $156 annually than requesting the higher $500 deductible. Since the policyholder would be required to pay $250 more out-of-pocket with a $500 deductible as compared to a $250 deductible, if you normally average at a minimum 19 months between claims, you would come out ahead going with the higher deductible.

How to calculate deductible break even point

Average monthly premium for $250 deductibles: $99
Average monthly premium for $500 deductibles (subtract): – $86
Monthly savings from raising deductible: $13
Difference between deductibles ($500 – $250): $250
Divide difference by monthly savings: $250 / $13
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 19 months

Dodge Journey insurance rates by gender

The information below shows the comparison of Dodge Journey auto insurance costs for male and female drivers. The data is based on no driving violations, no at-fault accidents, full physical damage coverage, $250 deductibles, drivers are not married, and no discounts are taken into consideration.

Best reasons to buy auto insurance in Pennsylvania

Even though it can be expensive, paying for auto insurance is required for several reasons.

The benefits of insuring your car outweigh the cost, particularly if you ever have a claim. The average driver in Pennsylvania overpays more than $820 a year so it’s important to compare rates once a year at a minimum to ensure rates are competitive.

Lower Your Pittsburgh Insurance Rates

Many different elements are part of the calculation when you get a price on insurance. Some of the criteria are obvious like your driving record, but other criteria are more transparent like where you live or your financial responsibility.

The following are a few of the things used by your company to calculate rates.

Add-on coverages can cost a lot – Insurance companies have many additional coverages that you can get tricked into buying on your Journey policy. Coverage for things like personal injury protection, high-cost glass coverage, and motor club memberships are examples of these. They may seem like a good idea initially, but now you might not need them so eliminate them to save money.

More performance means higher premiums – The make and model of the car, truck or SUV you own makes a big difference in how high your rates are. The lowest performance passenger vehicles usually have the lowest premiums, but the final cost of insurance is determined by many other factors.

The chart below uses these assumptions: single male driver age 30, full coverage with $250 deductibles, and no discounts or violations. It shows Dodge Journey insurance rates compared to other models of vehicles that have a range of performance rating factors.

Liability protection limits are a factor – The liability section of your policy will provide protection in the event that you are found to be at fault for causing personal injury or damage in an accident. Liability provides legal defense which can cost a lot. This coverage is relatively inexpensive compared to comp and collision, so do not skimp.

Never allow your coverage to lapse – Having a gap between insurance policy dates will be a quick way to increase your car insurance rates. Not only will you pay higher rates, the inability to provide proof of insurance might get you a license revocation or jail time.

No claims equals cheap car insurance rates – Insurance companies in Pennsylvania give the lowest premiums to insureds who do not rely on their insurance for small claims. If you’re an insured who likes to file claims you can pretty much guarantee either policy cancellation or increased premiums. Auto insurance is intended for claims that you cannot pay yourself.

Drive fewer miles and save – Driving more miles every year the higher your rate. Most insurance companies charge rates based upon how you use the vehicle. Cars not used for work or commuting receive lower rates compared to those used for work or business. It’s always a good idea to double check that your car insurance declarations sheet is showing the proper vehicle usage, because it can save money. Incorrect rating for your Journey may be costing you higher rates.

Married drivers get cheaper prices – Being married helps lower the price on car insurance. Marriage means you’re more stable financially and it’s statistically proven that married couples file fewer claims.

Bump up deductibles to lower rates – Protection for physical damage, otherwise known as comp (or other than collision) and collision, covers your vehicle from damage. Some instances where coverage would apply are collision with another vehicle, collision with an animal, and damage caused by flying debris. The deductibles are how much you are required to spend if the claim is covered. The more damage repair cost you have to pay, the lower your rates will be.

Insurance losses for a Dodge Journey – Insurance companies study historical loss data as a tool for profitable underwriting. Models that historically have higher prevalence or dollar amount of losses will have a higher premium rate.

The table below demonstrates the historical loss data for Dodge Journey vehicles. For each policy coverage, the claim amount for all vehicles, as an average, is a value of 100. Numbers under 100 imply a favorable loss record, while numbers above 100 point to more frequent losses or tendency to have higher losses.

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

Discounts mean cheaper rates for Dodge Journey insurance in Pittsburgh

Insurance can cost an arm and a leg, but there’s a good chance there are discounts that many consumers don’t even know exist. A few discounts will be applied at quote time, but occasionally some discounts must be specially asked for before they will apply.Cheaper insurance with discounts

Consumers should know that most discounts do not apply to the whole policy. Some only reduce individual premiums such as comp or med pay. If you do the math and it seems like adding up those discounts means a free policy, that’s just not realistic.

The chart below visualizes the comparison of Dodge Journey insurance costs with and without discounts applied. The prices are based on a male driver, no accidents or driving violations, Pennsylvania state minimum liability limits, comprehensive and collision coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with claim-free, multi-policy, multi-car, safe-driver, homeowner, and marriage discounts applied.

A few of the larger companies and some of the discounts can be found below.

When getting free Pittsburgh car insurance quotes, it’s a good idea to all the companies which discounts can lower your rates. A few discounts might not be offered in Pittsburgh. If you would like to view companies who offer insurance discounts in Pittsburgh, follow this link.

Which policy gives me the best coverage?

When buying coverage for your personal vehicles, there really isn’t a single plan that fits everyone. Everyone’s situation is unique and a cookie cutter policy won’t apply.Safe vehicles cost less to insure
For instance, these questions might point out if you will benefit from professional help.

If you don’t know the answers to these questions but you think they might apply to your situation, then you may want to think about talking to a licensed insurance agent. To find lower rates from a local agent, take a second and complete this form or you can go here for a list of companies in your area.

Insurance agencies can help

Certain consumers prefer to visit with an insurance agent. An additional benefit of comparing rate quotes online is that you can find cheap car insurance quotes and also buy local. And buying from small agencies is definitely important in Pittsburgh.

Pittsburgh insurance agentsAfter completing this form (opens in new window), the coverage information is immediately sent to local insurance agents who will give you bids to get your business. It makes it easy because there is no need to leave your house due to the fact that quote results will go instantly to you. You can most likely find cheaper rates without the usual hassles of price shopping. If for some reason you want to get a rate quote from one company in particular, you just need to go to their quote page and fill out their quote form.

Deciding on an insurer requires you to look at more than just the premium amount. The following questions are important to ask.

The best insurance company isn’t always the cheapest

As you restructure your insurance plan, you should never skimp on critical coverages to save a buck or two. In many instances, someone sacrificed full coverage and found out when filing a claim that their decision to reduce coverage ended up costing them more. The goal is to purchase a proper amount of coverage for the lowest price, but do not skimp to save money.

Cheaper Dodge Journey insurance in Pittsburgh can be sourced both online in addition to many Pittsburgh insurance agents, and you need to comparison shop both to have the best selection. There are still a few companies who may not have online quoting and these small insurance companies only sell through local independent agencies.

More detailed insurance information can be read at these sites: