Cheapest Insurance Quotes for a Dodge Journey in Alabama

When writing about shopping for car insurance, the words cheap or affordable should not be used anywhere in the article as a descriptor for car insurance rates. It’s a simple fact that cheap car insurance for a Dodge Journey is pretty hard to find. Don’t let that spoil your day, because we will show you how you can still get auto insurance that you can afford.

Your ability to find cheaper car insurance for a Dodge Journey in Alabama relies on a complex formula that factors things like whether you are single or married, if you are currently insured, and if your driving record shows any at-fault accidents. Alabama drivers pay on average $790 every 12 months to buy Dodge Journey insurance, but that amount is an estimation using rating data for a 40-year-old married female driver that included full coverage and $1,000 physical damage deductibles.

When making auto insurance estimates, the issue arises that you are not a 40-year-old female, you might be single instead of married, or maybe you want more liability coverage than is required by law in Alabama. The different assumptions illustrate why the best way to quote cheap car insurance rates for your Dodge is to put in the effort and compare rates. To cut your rates now, get a free quote and you can get rates from some of the cheapest companies in Alabama.

Save Now on Journey Insurance

Your Dodge’s trim level has an effect on the cost of insurance, so the price to insure a Journey SE 2WD model will be $114 less expensive the insurance cost for the higher-end Journey SXT Crew AWD model, as shown by the rates below.

Premium data assumes married female driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and Alabama minimum liability limits. Discounts applied include multi-vehicle, multi-policy, claim-free, homeowner, and safe-driver. Price estimates do not factor in your specific Alabama location which can affect prices noticeably.

Finding good, low-priced car insurance is not most people’s favorite thing to do, and figuring out which insurers offer the most affordable insurance rates for a Dodge Journey will involve even more shopping around.

Every insurance company has a unique formula for determining rates in each state, so first let’s look at the rankings for the insurance companies with the overall best prices in Alabama.

Compare Cheap Insurance Quotes for Your Dodge

Start Your Free Quote

Travelers normally has some of the lowest car insurance rates in Alabama at around $791 a year. Cincinnati Insurance, USAA, GEICO, and Auto-Owners also make the cut as some of the cheaper Alabama insurance companies.

As shown in the rates above, if you are a customer of GEICO and switched to Cincinnati Insurance, you might see an annual savings of upwards of $222. Drivers with Auto-Owners might save as much as $342 a year, and Safeway insureds might cut rates by $378 a year.

Remember that these prices are averages for all ages of drivers and types of vehicles and and are not calculated with a specific rating modification for a Dodge Journey. So the auto insurance company that can offer you the lowest price may not even be in the company chart above. That points out the importance of why you need to compare as many prices as possible using your own driver information and specific vehicle type.

Irresponsible driving raises your rates

In a perfect world, the best way to enjoy the cheapest insurance premiums in Alabama for a Journey is to be a careful driver and avoid at-fault accidents and violations. The information below illustrates how speeding tickets and at-fault collisions impact insurance costs for each age group. The rate quotes are based on a married female driver, comp and collision included, $250 deductibles, and no discounts are factored in.

In the chart above, the average cost of auto insurance per year with no accidents or violations is $1,762. Receive one speeding ticket and the average cost jumps to $2,051, an increase of $288 each year. Then add one accident along with the one speeding ticket and the 12-month cost of insurance for a Dodge Journey jumps again to an average of $2,864. That’s an increase of $1,102, or $92 per month, just for not keeping your driving record clean!

How to get the cheapest insurance for a Dodge Journey in Alabama

The list below summarizes many thrifty ideas that can help Alabama drivers find low-cost auto insurance.

• Drive safe vehicles
• Improve your credit rating
• Do not waste money insuring older vehicles for full coverage
• Avoid accidents
• Serious violations like DUI or careless driving can make car insurance unaffordable
• Higher comprehensive and collision coverage deductibles will save money
• Compare rates once a year for cheaper prices

That last tip is notably vital, as we pointed out in this write-up. Insurance prices vary considerably, so don’t be afraid to switch to a new company if a better deal can be had.

Many consumers stick with the same company and that’s fine, but it isn’t a good idea if that inflexibility results in costing you hundreds every year. Take a couple minutes and shop around and find cheaper auto insurance for a Dodge Journey.

Who has the cheapest Dodge Journey insurance quotes?

You have a lot of ways to comparison shop for insurance in Alabama, but the most frequently used are through a captive (or exclusive) agent such as State Farm or Liberty Mutual, a non-exclusive or independent agent, or from a direct company like Progressive or Geico.

They all have the same end result, but buyers should know the differences in how they provide rate quotes.

Independent insurance agencies write for multiple companies and can do rate comparisons with all of them. They do not sell for just one brand and can give you more rates, which may provide you with better odds of saving money. If you want to switch companies, the agent simply finds a different carrier and you don’t have to switch agencies.

A captive, or exclusive, agent is only able to give prices for just one company, two examples are State Farm and Auto-Owners agents. These agents are not able to provide multiple price quotes, so it’s a good idea to shop around.

When you buy insurance direct, you do not use the middleman (the agent) and instead shop from a direct company like Geico. Buying insurance direct can be good for drivers who do not need advice for asset protection and have knowledge of what insurance covers.

So which way is best to find the cheapest insurance for a Dodge Journey in Alabama? The quick answer would be shopping direct results in the cheapest rates because you bypass the middleman, but unfortunately, it’s not that simple. It would also be easy to say buying from an independent agent results in the best rates because you have more choices, but again, it’s not a sure thing. And sometimes, exclusive agents have very competitive rates well below independent agents AND direct companies.

Since insurance companies use so many rating factors, the best method to buy the cheapest coverage is to get as many comparison quotes as possible. The ideal approach is to get price quotes from independent, exclusive, and direct to give yourself enough choices. For a list of companies with cheap rates in Alabama, click here to view.