Cheapest Insurance Quotes for a Dodge Journey in Oregon

Whether or not you can find the best cheap auto insurance for a Dodge Journey in Oregon is dependent upon many rating factors such as how you use your vehicle, if you have ever let your coverage lapse, and citations on your driving record. Drivers in Oregon on average will pay $900 every 12 months to insure a Journey, but that rate is based on rate data for a 30-year-old single male driver with comprehensive and collision coverage and $1,000 deductibles.

But there is a good chance that you are not 30 years old and maybe not even male, maybe you are married instead of single, and you may just want the cheapest liability coverage you can find. What people think is a minor change in price quote data can result in a big discrepancy in price quotes.

Everyone has different rating factors, so the only way to find affordable rates for your Dodge is to shop around at every renewal for lower rates.

Insure Your Dodge for Less

The trim level of your vehicle has an effect on the cost of coverage, so the rate you pay to insure a Journey SE 2WD will cost $114 less than the cost to insure the more expensive Journey SXT Crew AWD trim level, as demonstrated by the prices below.

Data variables include single male driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and Oregon minimum liability limits. Discounts applied include claim-free, multi-vehicle, multi-policy, homeowner, and safe-driver. Rates do not factor in garaging location in Oregon which can modify insurance rates substantially.

Insuring your vehicle with the top auto insurance provider is difficult considering how many different companies insure vehicles in Oregon. The company ratings in the lists below may help you choose which providers you want to consider when shopping your coverage around. These ratings include the largest companies in America, so companies with more of a regional focus are not taken into consideration for these rankings.

The illustration below demonstrates how deductibles can increase or decrease annual premium costs when trying to find cheap insurance for a Dodge Journey. The rates are based on a single female driver, full coverage, and no discounts are taken into consideration.

As shown above, a 30-year-old driver could lower their policy premium by $358 a year by increasing from a $100 deductible to a $500 deductible, or save $544 by using a $1,000 deductible. Young drivers, like the 20-year-old category, have the ability to save as much as $794 or even more by choosing larger deductibles on their policy. When using a larger deductible, it’s a good idea to have plenty of savings on hand to be able to pay the extra out-of-pocket expense, which is the one disadvantage of using larger deductibles.

Get discounts on Oregon auto insurance

Car insurance companies that offer the cheapest insurance for a Dodge Journey in Oregon may also offer rate discounts that can reduce rates by as much as 30% if you meet specific criteria. A few popular companies and their offered discounts are outlined below.

The chart below shows the difference between yearly insurance costs with and without discounts being applied to the rates. The rates are based on a female driver, no claims or driving violations, Oregon state minimum liability limits, comp and collision included, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with vehicle safety, safe-driver, passive restraint, marriage, anti-theft, and homeowner discounts applied. When these discounts are applied, the average amount saved each year on car insurance for a Dodge Journey is % or $.

Which car insurance company is best?

When buying insurance for a Journey in Oregon, four of the larger companies to compare rates for are Geico, Progressive, Allstate, and State Farm. If you combine them together, they insure 48.5% of all car insurance policies written. The following table rates pricing and service ratings, plus some optional coverages that may be available in Oregon.