Best Cheap Insurance Quotes for a Dodge Journey in Arizona

Anytime the topic is auto insurance, the words “affordable” or “cheap” should never appear anywhere in the article. Please forgive the oxymoron, but cheap auto insurance for a Dodge Journey is almost non-existent. But don’t let us ruin your dream, because we are going to tell you how you can still find coverage that you are able to afford.

Whether or not you can find cheaper auto insurance for a Dodge Journey in Arizona depends on a large number of rating criteria such as whether you are married, the likelihood of your vehicle being stolen, and driving violations and tickets. Arizona drivers pay approximately $960 annually to insure a Dodge Journey, but that price is an estimation based on rates for a 40-year-old single female driver that purchased comprehensive and collision coverage and $500 policy deductibles.

But there is a good chance that you are not 40 and maybe not even a female, possibly married instead of single, or maybe your Journey is old enough that it doesn’t require full coverage. Auto insurance is unique to every driver, so the only real way to find cheap auto insurance rates for your Dodge is to do your own rate comparisons.

Cheapest Dodge Journey Insurance Rates

Vehicle trim level tends to have a direct impact on the yearly cost, so the price you will be charged to insure a Journey SE 2WD will be $152 less expensive the insurance cost for the fancier Journey SXT Crew AWD version, as demonstrated by the prices below.

Table data assumes single female driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Arizona minimum liability limits. Discounts applied include multi-vehicle, multi-policy, claim-free, homeowner, and safe-driver. Information does not factor in the specific area where the vehicle is garaged which can revise rates greatly.

How to find a good Arizona insurance company

Choosing a highly-rated insurer can be challenging considering how many different insurance companies sell coverage in Arizona. The ranking information below can help you select which coverage providers you want to consider when comparing rate quotes. The rankings below include major nationwide insurance companies, so companies that have a smaller presence are not included in this list.

Top 10 Major Auto Insurance Companies in Arizona Ranked by Claims Service

1. State Farm
2. Esurance
3. AAA Insurance
4. GEICO
5. Liberty Mutual
6. Progressive
7. Allstate
8. Titan Insurance
9. The Hartford
10. Mercury Insurance

Top 10 Major Auto Insurance Companies in Arizona Ranked by A.M. Best Rating

1. USAA – A++
2. Travelers – A++
3. State Farm – A++
4. GEICO – A++
5. Esurance – A+
6. Nationwide – A+
7. Allstate – A+
8. Mercury Insurance – A+
9. Progressive – A+
10. Titan Insurance – A+

Top Companies for Dodge Journey Insurance in Arizona

Should you buy full coverage?

Finding the best cheap insurance for a Dodge Journey in Arizona is probably important to the majority of people, and an effective way to save on the cost of insurance is to only pay for liability coverage. The chart below illustrates the difference between annual premium costs with full coverage and liability only. The premiums are based on no claims or driving violations, $250 deductibles, drivers are single, and no other discounts are factored in.

If we average the cost for ages 20 through 70, comprehensive and collision coverage on your policy costs $2,035 per year more than just buying liability only. Many people question if buying full coverage is worth the expense. There is no exact formula of when to stop paying for comp and collision coverage, but there is a guideline you can use. If the annual cost of having full coverage is more than about 10% of replacement cost minus your deductible, the it may be a good time to stop paying for full coverage.

There are some scenarios where only buying liability is not a good idea. If you have an outstanding loan on your vehicle, you must maintain physical damage coverage as part of the loan conditions. Also, if you cannot afford to purchase a different vehicle in case of an accident, you should not remove full coverage.

The importance of comparing Journey insurance rates

Arizona insurance rates are based on many factors that may substantially change the price of your policy. Turning one year older, buying a new vehicle, or having a fender bender can trigger changes in premium resulting in some rates now being more affordable than others. Not only may your risk profile change, but auto insurance companies file new Arizona car insurance rates as often as every quarter in order to maintain liquidity for claims. Heavier than normal losses can result in a rate increase, while better underwriting can result in more affordable Journey insurance rates.

The bar chart below shows which companies have the cheapest car insurance in Arizona for a 45-year-old female driver with no prior accidents, a clean driving record, and great credit. Based on her current risk profile, The Hartford may have the cheapest car insurance rates in Arizona at $820 per year. This is $608 less than the average premium paid by Arizona drivers of $1,428. Safeco, Auto-Owners, USAA, and Travelers are the remaining most affordable Arizona auto insurance companies.

Now let’s give the driver from the above example an accident surcharge, slightly worse credit, and a stop sign violation. Since each insurance company has a proprietary method for determing rates in each state, comparing rates could now result in a new list of affordable Arizona car insurance companies as shown below.

GEICO now has the cheapest rate in Arizona with Allied, CSAA, Ameriprise Group, and Auto-Owners also being competitive. This example demonstrates why it is critical to take the time to shop around to find the most affordable auto insurance rates for a Dodge Journey. Car insurance prices consist of many factors and change dramatically, so the cheapest rate two years ago may now be one of the more expensive options.

How to find more affordable car insurance for a Dodge Journey

It is possible to find better rates, and here are some of the better money-saving suggestions that can help Arizona drivers find more affordable car insurance.

• Prevent rate increases by staying accident-free
• Save money by only buying liability coverage for older vehicles
• Do not file small claims
• Raise comprehensive and collision coverage deductibles
• Avoid getting citations and tickets
• Keep rates low by shopping around frequently

The last idea is notably necessary, as we discussed in this write-up. Coverage prices vary greatly, so drivers shouldn’t be reluctant to change to a new company if you find a cheaper price. Brand loyalty is great, but it isn’t a good idea if it’s costing you a lot of money every month. If you have a few minutes, now is a great time to compare prices to find cheaper insurance for a Dodge Journey.