Astonishing but true according to a recent study, almost 70% of drivers in Texas kept their coverage with the same insurance company for at least four years, and practically 40% of insurance customers have never compared rate quotes at all. American insurance shoppers could cut their rates by roughly $860 a year just by shopping around, but they underestimate the large savings they would see if they moved their coverage to a different company.
If you want to save the most money, the best way to find cheaper prices for Dodge Journey insurance is to make a habit of regularly comparing prices from insurance carriers who provide auto insurance in Dallas.
- Step 1: Learn about what is in your policy and the things you can control to keep rates in check. Many rating criteria that result in higher prices such as speeding tickets, careless driving and poor credit can be improved by making lifestyle changes or driving safer. This article provides more ideas to get better rates and earn larger discounts.
- Step 2: Quote rates from direct, independent, and exclusive agents. Exclusive and direct companies can provide rates from one company like GEICO or Farmers Insurance, while agents who are independent can quote prices for a wide range of companies. Click to view companies
- Step 3: Compare the new rate quotes to your existing coverage and see if there is a cheaper rate. If you find a better price and change companies, ensure there is no coverage lapse between policies.
- Step 4: Give notification to your current company to cancel your current car insurance policy and submit payment and a completed application for the new coverage. Immediately upon receiving it, keep the new certificate verifying proof of insurance in a readily accessible location in your vehicle.
A good tip to remember is to try to compare identical deductibles and limits on every quote and and to get rate quotes from as many car insurance companies as possible. Doing this provides a fair price comparison and many rates to choose from.
Best Dodge Journey insurance price quotes in Texas
The companies shown below have been selected to offer price comparisons in Texas. If the list has multiple companies, it’s highly recommended you get price quotes from several of them to get the best price comparison.
Dodge Journey insurance statistics and information
The premium information displayed next outlines different insurance rates for Dodge Journey models. Having a good grasp of how auto insurance policy rates are formulated is important for making smart choices when buying a car insurance policy.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Journey SE 2WD | $288 | $468 | $462 | $28 | $138 | $1,384 | $115 |
| Journey SXT 2WD | $288 | $570 | $462 | $28 | $138 | $1,486 | $124 |
| Journey R/T 2WD | $326 | $570 | $462 | $28 | $138 | $1,524 | $127 |
| Journey SXT Crew 2WD | $326 | $570 | $462 | $28 | $138 | $1,524 | $127 |
| Journey SXT AWD | $326 | $570 | $462 | $28 | $138 | $1,524 | $127 |
| Journey R/T AWD | $326 | $672 | $462 | $28 | $138 | $1,626 | $136 |
| Journey SXT Crew AWD | $326 | $672 | $462 | $28 | $138 | $1,626 | $136 |
| Get Your Own Custom Quote Go | |||||||
Premium data assumes single male driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and Texas minimum liability limits. Discounts applied include multi-vehicle, claim-free, safe-driver, homeowner, and multi-policy. Table data does not factor in the specific area where the vehicle is garaged which can change rates considerably.
Analysis of deductible levels
A question often asked by Dallas drivers is how high should your deductibles be. The following insurance rates lay out the differences in price of buying low and high physical damage coverage deductibles. The first set of rates uses a $100 deductible for physical damage and the second set of prices uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Journey SE 2WD | $328 | $486 | $382 | $22 | $114 | $1,357 | $113 |
| Journey SXT 2WD | $328 | $592 | $382 | $22 | $114 | $1,463 | $122 |
| Journey R/T 2WD | $370 | $592 | $382 | $22 | $114 | $1,505 | $125 |
| Journey SXT Crew 2WD | $370 | $592 | $382 | $22 | $114 | $1,505 | $125 |
| Journey SXT AWD | $370 | $592 | $382 | $22 | $114 | $1,505 | $125 |
| Journey R/T AWD | $370 | $698 | $382 | $22 | $114 | $1,611 | $134 |
| Journey SXT Crew AWD | $370 | $698 | $382 | $22 | $114 | $1,611 | $134 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Journey SE 2WD | $240 | $328 | $382 | $22 | $114 | $1,086 | $91 |
| Journey SXT 2WD | $240 | $400 | $382 | $22 | $114 | $1,158 | $97 |
| Journey R/T 2WD | $270 | $400 | $382 | $22 | $114 | $1,188 | $99 |
| Journey SXT Crew 2WD | $270 | $400 | $382 | $22 | $114 | $1,188 | $99 |
| Journey SXT AWD | $270 | $400 | $382 | $22 | $114 | $1,188 | $99 |
| Journey R/T AWD | $270 | $472 | $382 | $22 | $114 | $1,260 | $105 |
| Journey SXT Crew AWD | $270 | $472 | $382 | $22 | $114 | $1,260 | $105 |
| Get Your Own Custom Quote Go | |||||||
Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include multi-vehicle, multi-policy, safe-driver, homeowner, and claim-free. Rate quotes do not factor in vehicle location which can lower or raise premiums substantially.
Based on these figures, using a $100 deductible costs roughly $26 more each month or $312 each year than requesting the higher $500 deductible. Because you would be required to pay $400 more if you turn in a claim with a $500 deductible as compared to a $100 deductible, if you have more than 15 months between claim filings, you would probably save some money by going with a higher deductible.
Men versus women drivers and insurance cost
The diagram below illustrates the difference between Dodge Journey insurance prices for male and female drivers. The information is based on no accidents, no driving violations, full coverage, $1,000 deductibles, drivers are not married, and no additional discounts are factored in.
How much more does full coverage cost in Dallas?
The chart below shows the comparison of Dodge Journey insurance rates with full coverage and liability only. The rate quotes are based on no tickets, no at-fault accidents, $250 deductibles, single status, and no discounts are applied to the premium.
Deciding between full coverage and liability only
There is no set rule for phasing out physical damage coverage, but there is a guideline you can use. If the annual cost of comprehensive and collision coverage is more than around 10% of the vehicle’s replacement cost less your deductible, then you may want to consider only buying liability coverage.
For example, let’s pretend your Dodge Journey book value is $3,000 and you have $1,000 policy deductibles. If your vehicle is totaled, you would only receive $2,000 after paying your policy deductible. If premium cost is more than $200 a year for physical damage coverage, then you may need to consider dropping full coverage.
There are some situations where eliminating full coverage is not recommended. If you still have a loan on your vehicle, you have to carry full coverage to satisfy the loan requirements. Also, if your emergency fund is not enough to purchase a different vehicle if your current one is damaged, you should keep full coverage.
Discount Dallas car insurance quotes
The price of auto insurance can be rather high, but you may find discounts that can drop the cost substantially. A few discounts will automatically apply at the time of quoting, but lesser-known reductions have to be requested specifically in order for you to get them.
- E-sign Discounts – Some car insurance companies may give you up to $50 simply for signing on your computer.
- Safety Course Discount – Completing a driver safety class could cut 5% off your bill and easily pay for the cost of the class.
- Distant Student Discount – Kids who live away from home to go to college and leave their car at home can receive lower rates.
- Theft Deterrent System – Vehicles that have factory alarm systems and tracking devices can help prevent theft and qualify for as much as a 10% discount.
- Home Ownership Discount – Simply owning a home may earn you a small savings because maintaining a house requires a higher level of personal finance.
Don’t be surprised that some credits don’t apply to the entire cost. Most cut the price of certain insurance coverages like liability, collision or medical payments. Despite the appearance that you can get free auto insurance, companies wouldn’t make money that way.
The diagram below shows the difference between Dodge Journey yearly insurance costs with and without discounts applied to the rates. Data assumes a male driver, no accidents or driving violations, Texas state minimum liability limits, comprehensive and collision coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with claim-free, marriage, multi-car, multi-policy, safe-driver, and homeowner discounts applied.
A list of companies and some of their more popular discounts include:
- The Hartford discounts include defensive driver, good student, driver training, bundle, air bag, vehicle fuel type, and anti-theft.
- American Family has savings for air bags, accident-free, bundled insurance, mySafetyValet, and early bird.
- Progressive includes discounts for multi-vehicle, multi-policy, good student, homeowner, and continuous coverage.
- Travelers offers premium reductions for hybrid/electric vehicle, new car, early quote, multi-policy, student away at school, and payment discounts.
- Farmers Insurance has discounts for distant student, electronic funds transfer, good student, mature driver, pay in full, and multi-car.
- USAA may have discounts that include annual mileage, military installation, multi-policy, loyalty savings, multi-vehicle, and vehicle storage.
- Liberty Mutual may offer discounts for hybrid vehicle, new graduate, preferred payment discount, safety features, new vehicle discount, multi-car, and teen driver discount.
It’s a good idea to ask each insurance company to give you their best rates. Some credits may not apply to policies in Dallas. If you would like to view insurers who offer car insurance discounts in Dallas, click here to view.
You are unique and your car insurance should be too
When it comes to buying coverage, there really is no cookie cutter policy. Everyone’s situation is unique.
Here are some questions about coverages that may help highlight if you would benefit from an agent’s advice.
- Should I rate my vehicle as business use?
- Is rental equipment covered for theft or damage?
- Will my insurance pay for OEM parts?
- Is my business laptop covered if it gets stolen from my vehicle?
- How can I find cheaper teen driver insurance?
- Do I need to file an SR-22 for a DUI in Texas?
- How much liability coverage do I need in Texas?
- I have a DUI can I still get coverage?
- Are my friends covered when driving my Dodge Journey?
- Which is better, split liability limits or combined limits?
If it’s difficult to answer those questions but a few of them apply, you might consider talking to an insurance agent. To find an agent in your area, complete this form. It is quick, free and can help protect your family.
Exclusive or independent car insurance agents
Some people prefer to go talk to an agent and that can be a smart move Experienced insurance agents can make sure you are properly covered and give you someone to call. An additional benefit of comparing rates online is you may find the best rates but still work with a licensed agent.
For easy comparison, once you complete this short form, your coverage information is sent to participating agents in Dallas who will give you bids for your coverage. You never need to leave your computer since price quotes are sent to you. If you wish to get a rate quote from a specific company, you can always visit that company’s website and fill out their quote form.
Picking an provider should depend on more than just the bottom line cost. These are some questions you should get answers to.
- Is insurance their full-time profession?
- How many years have they been established?
- Do they have 24-hour customer assistance?
- What are their preferred companies if they are an independent agency?
- How experienced are they in personal risk management?
Do you need an independent or exclusive car insurance agent?
If you are searching for a local Dallas insurance agent, it’s helpful to know the types of agencies that differ in how they can insure your vehicles. Insurance agencies in Dallas are categorized either independent or exclusive. Either one can sell and service auto insurance coverage, but it’s good to learn how they are different because it can impact the type of agent you choose.
Exclusive Auto Insurance Agents
Exclusive agencies can usually just insure with one company and some examples include Allstate, State Farm and Farm Bureau. Exclusive agents cannot give you multiple price quotes so keep that in mind. These agents are well trained on their products and sales techniques which helps offset the inability to provide other markets. Drivers often buy from the same agent for years mainly due to loyalty to the company and solid financial strength.
Below are exclusive agencies in Dallas that are able to give price quotes.
- Carlos Luevano – State Farm Insurance Agent
4444 W Illinois Ave #304 – Dallas, TX 75211 – (214) 337-8888 – View Map - Linda Horton State Farm Insurance Agency
8150 N Central Expy #735 – Dallas, TX 75206 – (214) 363-4563 – View Map - John Hamman – State Farm Insurance Agent
8330 Abrams Rd #104 – Dallas, TX 75243 – (214) 341-3050 – View Map
Independent Agencies or Brokers
These type of agents are not employed by any specific company so as a result can place your coverage with an assortment of companies and find the cheapest rate. To transfer your coverage to a different company, your agent can just switch to a different company which requires no work on your part.
If you need lower rates, it’s a good idea to get some free quotes from a few independent agents so that you can do a thorough price comparison. They often place coverage with smaller mutual companies which may provide better rates.
Listed below are independent agents in Dallas that can give you comparison quotes.
- Nationwide Insurance: The Rod Hanks Agency Inc
6300 Samuell Blvd #05 – Dallas, TX 75228 – (214) 275-8372 – View Map - Northwest Insurance
11722 Marsh Ln # 345 – Dallas, TX 75229 – (214) 352-5656 – View Map - Texas Insurance Pro
2695 Villa Creek Dr #175 – Dallas, TX 75234 – (214) 717-4326 – View Map
The best insurance company isn’t always the cheapest
There are still a few companies who don’t offer price quotes online and these regional insurance providers only sell through local independent agencies. More affordable car insurance in Dallas can be sourced online and also from your neighborhood Dallas agents, so you should compare both to have the best chance of lowering rates.
When trying to cut insurance costs, do not skimp on critical coverages to save a buck or two. There are too many instances where an insured cut comprehensive coverage or liability limits only to find out that the savings was not a smart move. The goal is to buy the best coverage you can find at the best cost.
Insureds switch companies for many reasons like poor customer service, policy cancellation, unfair underwriting practices and high rates after DUI convictions. It doesn’t matter why you want to switch choosing a new insurance company is not as difficult as it may seem.
Additional car insurance information is located below:
- Young Drivers: The High Risk Years Video (iihs.org)
- How Much is Auto Insurance for Handicapped Drivers in Dallas? (FAQ)
- Who Has the Cheapest Dallas Auto Insurance for High Risk Drivers? (FAQ)
- How Much are Dallas Auto Insurance Quotes for a Toyota Corolla? (FAQ)
- Distracted Driving (Insurance Information Institute)
- Airbag FAQ (iihs.org)
- Uninsured Motorists: Threats on the Road (Insurance Information Institute)