Cheapest Insurance Quotes for a Dodge Journey in New Jersey

Because the topic is car insurance, the words cheap or affordable should never appear anywhere to describe car insurance prices. Notwithstanding, cheap car insurance for a Dodge Journey just does not exist. Don’t let that bother you, though, because we are going to tell you how you can get auto insurance that you can afford.

Your chances of finding cheaper car insurance for a Dodge Journey in New Jersey hinges on a complex rating formula that takes into consideration things such as how old the vehicle is, the likelihood of vehicle theft, and driving violations and tickets. New Jersey drivers pay an average of $1,460 annually to insure a Dodge Journey, but that is an approximation assuming a 40-year-old married female driver that wants full comprehensive and collision coverage and $250 physical damage deductibles.

Chances are that rate is not what you would pay, because most likely you are not exactly 40 years old and possibly not even female, you might be single instead of married, and there is a good chance that there are other drivers on your policy. Changing even a minor factor in the criteria used to calculate rates can create big changes in rates.

Every car insurance policy is unique to the driver, so your best chance at finding the cheapest coverage for your Dodge is to do your own rate comparisons. It only takes a few minutes and you will receive price comparisons from the best auto insurance companies that insure Dodge vehicles in New Jersey.

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The specific trim level can impact the cost of insurance, so the price to insure a Journey SE 2WD will cost $258 less than the insurance cost for the more well-appointed Journey SXT Crew AWD model, as shown by the rates below.

Prices based on married female driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and New Jersey minimum liability limits. Discounts applied include claim-free, homeowner, safe-driver, multi-vehicle, and multi-policy. Table data does not factor in specific New Jersey garaging location which can increase or decrease price quotes considerably.

Determining which companies quote the cheapest car insurance rates for a Dodge Journey requires a little more sweat in order to find the lowest price.

Each auto insurer uses different criteria to determine premium rates, so to begin we’ll rank the most affordable car insurance companies in New Jersey. It’s important that readers know that New Jersey car insurance rates are based on many factors that can increase the cost of a policy. Turning one year older, having a teenage driver, or getting a DUI may prompt premium changes that can cause some rates to be more affordable than others.

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21st Century normally has some of the best car insurance rates in New Jersey at around $1,067 a year. Travelers, New Jersey Manufacturers, Penn National, and Palisades are also some of the more affordable New Jersey insurance companies.

As the rates illustrate above, if you are currently insured with Palisades and switched to Travelers, you might see a yearly price reduction of in the neighborhood of $250. Customers with California Casualty might save as much as $292 a year, and The Hartford policyholders might cut rates by $376 a year.

To get a fast rate comparison, click here to start your custom quote or click through to the companies below.

Be aware that those policy rates are averages across all drivers and vehicles in New Jersey and and are not figured with a specific rating modification for a Dodge Journey. So the auto insurance company that fits your situation best may not even be in the list above. That illustrates why you need to get rate quotes from many companies using your own driver and vehicle profiles.

Drive responsibly or pay higher rates

The common sense way to find good car insurance premiums in New Jersey for a Journey is to drive carefully and avoid tickets and accidents. The illustration below demonstrates how citations and at-fault collisions can influence insurance costs for each different age group. The prices are based on a single female driver, comprehensive and collision coverage, $100 deductibles, and no discounts are factored in.

The data above shows the average cost of car insurance in New Jersey per year with a clean driving record and no accidents is $3,088. Get one speeding ticket and the average cost hikes up to $3,501, an increase of $413 each year. Now include two accidents along with the one speeding ticket and the annual cost of car insurance for a Dodge Journey goes up to an average of $6,962. That’s an increase of $3,874, or $323 per month, just for a couple of infractions!

Liability-only versus full coverage

Finding the cheapest insurance for a Dodge Journey in New Jersey is probably important to the majority of vehicle owners, and one easy way to save on the cost of insurance is to not buy full coverage. The chart below illustrates the difference between auto insurance rates with full phyical damage coverage and with liability coverage only. The premiums are based on no claims, a clean driving record, $250 deductibles, marital status is single, and no policy discounts are applied.

If we average the cost for all age groups, physical damage coverage costs $3,041 per year more than just insuring for liability. At some point, about every driver wonders if physical damage coverage is worth the money. There is no exact rule to drop comprehensive and collision coverage on your policy, but there is a general guideline you can use. If the yearly cost of comp and collision coverage is 10% or more of any settlement you would receive from your insurance company, then you might want to consider buying only liability coverage.

Is the best company Geico, Allstate, State Farm, or Progressive?

When buying car insurance, probably the best companies to start with are Geico, Allstate, State Farm, and Progressive. Each one has a distict selection of optional coverages and features that shoppers can choose from. The following table points out some of the different options and features that are available for customers.

Best cheap Dodge Journey insurance quotes

There are many ways to find cheap car insurance in New Jersey, but the most common are either through an exlusive agent like Auto-Owners or State Farm, an independent agent, or from a direct company like Geico. All three ways are similar, but each is different in how they provide rate quotes.

Independent insurance agencies can place your business with multiple companies and can quote your policy with each one. Independent agents are appointed with more than one company and can provide you with more rates, which may give you the best chance of saving money. If prices rise, you can get a different policy which is easy for the insured.

A captive or exclusive agent is able to quote prices with one insurance company, for example Liberty Mutual and Allstate agents. These agents are unable to provide prices from multiple companies, so it’s a good idea to get additional price quotes.

When you buy car insurance direct, you forego local agents and buy direct online or over the phone from a company like Esurance or Progressive. Buying direct may be good for families who have limited assets and know more than average about the limitations of car insurance.

So out of those three methods, which one works best to buy the cheapest insurance for a Dodge Journey in New Jersey? It would be premature to say buying from a direct car insurance company results in the cheapest rates since it doesn’t require paying agent commissions, but in reality, that is not true. It would also be easy to say using an independent agent is the best way to save because you have more choices, but that assumption is also not accurate. For the right applicant, exclusive agents have price quotes that other companies cannot beat.

Because there is so much variation in car insurance prices, the one way to not overpay for car insurance is to get rate quotes and compare. It’s recommended that drivers get price quotes from all three to get an idea of which is cheapest. For a list of companies with some of the cheapest New Jersey car insurance rates, click here to view.