How Much are Insurance Quotes for a Dodge Journey in Virginia?

The likelihood of finding the best cheap auto insurance for a Dodge Journey in Virginia is dependent upon a very complex rating algorithm that uses multiple factors like how old the vehicle is, the condition of your credit, and any prior driving offenses. Drivers in Virginia pay on average $820 per year for Journey insurance, but that is an approximation calculated using a 30-year-old single male driver that has full coverage and $500 policy deductibles.

That rate won’t apply to everyone, because more than likely you are not 30 and maybe not even a male, married instead of single, or maybe your Journey is an older model. Everyone has unique insurance needs, and this illustrates why the best way to quote cheap insurance rates for your Dodge is to just take the time to do a thorough rate comparison. It’s really quite easy you will receive price comparisons from top-rated companies that sell coverage in Virginia.

Cheapest Dodge Journey Insurance Rates

The specific model of Journey impacts the coverage cost, so the price you will be charged to insure a Journey SE 2WD will be $120 cheaper than the insurance cost for the higher-priced Journey SXT Crew AWD trim level, as demonstrated by the prices below.

Prices above based on single male driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Virginia minimum liability limits. Discounts applied include multi-policy, multi-vehicle, claim-free, safe-driver, and homeowner. Price estimates do not factor in vehicle garaging location which can alter premium rates significantly.

Deciphering which company quotes the cheapest car insurance rates for a Dodge Journey takes a little more sweat than just getting one or two price quotes. Every insurance company has a different formula for determining rates, so to begin we’ll rank the most affordable car insurance companies in Virginia.

It’s important to know that Virginia car insurance rates are determined by lots of factors which can substantially decrease or increase the cost of coverage. Simply having another birthday, moving across town, or getting a few speeding tickets can produce rate changes resulting in some rates now being cheaper than before.

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Travelers may have some of the best car insurance rates in Virginia at around $673 annually. USAA, Penn National, Cincinnati Insurance, and Auto-Owners also are some of the most economical Virginia auto insurance companies.

As shown above, if you currently buy coverage from Cincinnati Insurance and switched to USAA, you might see savings of approxmiately $53. Drivers with Auto-Owners might save as much as $77 a year, and Erie insureds might reduce prices by as much as $92 a year.

To discover how much you can save, click here to get a free quote or visit any of the companies below.

Bear in mind that those prices are averaged across all types of drivers and the different vehicles they drive and are not factoring in a specific rating modification for a Dodge Journey. So the insurer that fits you best may not even be featured in the above rate chart. That underscores the importance of why you need to get rate quotes from many companies using your own personalized driver profile and vehicle information.

Safe drivers pay less for car insurance

The easiest method to score cheap insurance for a Dodge Journey in Virginia is to be an attentive driver and avoid getting tickets or having accidents. The illustration below highlights how traffic violations and fender-benders can raise auto insurance rates for each different age category. The data is based on a single male driver, comp and collision included, $250 deductibles, and no additional discounts are factored in.

In the previous example, the average cost of a car insurance policy per year with a clean driving record and no accidents is $1,640. Receive two speeding tickets and the average cost increases to $2,172, an increase of $533 each year. Then add in one accident along with the two speeding tickets and the yearly cost of car insurance for a Dodge Journey increases to an average of $2,699. That’s an increase of $1,059, or $88 per month, just for a couple of infractions!

The diagram below shows how choosing a deductible can change insurance premiums when searching for cheap insurance for a Dodge Journey. The prices are based on a married female driver, comprehensive and collision coverage, and no discounts are applied.

The data above shows that a 50-year-old driver could reduce rates by $184 a year by switching from a $100 deductible to a $500 deductible, or save $278 by choosing a $1,000 deductible. Youthful drivers, such as the Age 20 example, have the ability to save $456 each year just by using higher deductibles.

If you do decide to increase your deductibles, it’s a good idea to have enough in a savings account to allow you to pay the extra out-of-pocket expense that deters many people from opting for higher deductibles.

How to find the cheapest insurance for a Dodge Journey

It’s not impossible to find cheaper rates, and here are some of the better penny-pinching suggestions that can help drivers locate cheaper car insurance.

• Save money by obeying traffic laws and keeping a clean driving record
• Higher deductibles save money
• Safe vehicles cost less to insure
• Remove physical damage coverage on older vehicles
• Avoid having at-fault accidents
• Higher credit scores may earn you cheaper rates
• Shop around for cheaper prices often

That final tip is highly necessary, as was pointed out in this write-up. Car insurance rates in Virginia can be adjusted at any time, so don’t be hesitant to buy from a new company if you can save money. Being loyal to a particular company is commendable, but we do not recommend it if that loyalty results in overpaying a wad of cash every year. Take a few minutes and shop around and find cheaper auto insurance for a Dodge Journey.

Geico vs State Farm vs Allstate vs Progressive

When comparing insurance for a Journey, four of the best places to start are Geico, State Farm, Allstate, and Progressive. All four can cover your vehicle for liability and physical damage, but each one has a slightly different mix of options and features that shoppers can select from. The next table ranks some of the different options and features offered by each company.