Cheapest Insurance for a Dodge Journey in Maine

Finding cheaper insurance for a Dodge Journey in Maine hinges on factors such as if you are single or married, if you are currently insured, and violations on your driving record. Maine drivers on average will pay $790 a year to buy insurance for a Dodge Journey, but that rate is based on cost data for a 30-year-old single male who purchased comprehensive and collision coverage and $100 physical damage deductibles.

There is a really good chance that you are not 30 and maybe not even a male, maybe you are married instead of single, and you probably do not live in the same zip code as the example. Just a slight change in policy rating data can cause large differences in price quotes.

Everyone has different rating factors, so your best chance at finding the cheapest rates for your Dodge is to get into the habit of comparing rates once a year. Get your free quotes now and you can get prices from some of the most affordable companies available.

View Dodge Journey Insurance Rates

The specific model of Journey can impact price, so the price to insure a Journey SE 2WD trim level will be $140 less than the cost to insure the higher-priced Journey SXT Crew AWD model, as shown in the chart below.

Data variables include single male driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and Maine minimum liability limits. Discounts applied include homeowner, safe-driver, multi-vehicle, claim-free, and multi-policy. Premium amounts do not factor in specific location information which can affect coverage prices significantly.

Maine auto insurance companies ranked

Insuring your vehicle with a good quality insurer can be challenging considering how many companies there are in Maine. The rank data below can help you select which car insurance companies to look at shopping your coverage with.

These ratings are only comprised of companies that insure vehicles across America, so companies that have a smaller presence are not factored into this list. If you wish to compare rates from many more Maine auto insurance companies, click this link.

Get discounts on Maine auto insurance rates

Insurance providers that provide the cheapest insurance for a Dodge Journey in Maine may also provide discounts that could reduce prices by 25% or more if you meet certain criteria. Larger auto insurance companies and a summarized list of policyholder discounts include:

• Esurance may offer discounts for DriveSense, anti-theft, emergency road assistance, good driver, good student, safety device, and online shopper.
• The Hartford offers discounts including vehicle fuel type, good student, defensive driver, bundle, and anti-theft.
• AAA offers premium reductions for good driver, good student, education and occupation, multi-car, and multi-policy.
• GEICO policyholders can earn discounts including driver training, membership and employees, anti-theft, defensive driver, anti-lock brakes, multi-vehicle, and emergency military deployment.
• State Farm has savings for multiple policy, accident-free, Drive Safe & Save, defensive driving training, and good driver.

The illustration below illustrates the comparison of insurance prices with and without discounts applied to the rates. The prices are based on a female driver, no violations or accidents, Maine state minimum liability limits, comp and collision included, and $1,000 deductibles.

The first bar for each age group shows the average annual price with no discounts. The lower bar shows the rates with marriage, passive restraint, defensive driving course, accident-free, anti-theft, and multiple vehicle discounts applied. With discounts applied, the the average yearly reduction on auto insurance for a Dodge Journey is 28% or $273.

Progressive, Allstate, Geico, and State Farm compared

When comparing insurance for a Journey in Maine, the companies that insure more vehicles than anyone else are Progressive, Allstate, Geico, and State Farm. When combined, they have almost half of all auto insurance policies in force. All four can cover your vehicle for liability and physical damage, but each one has a unique set of features, discounts, and options that buyers can choose from. The data below ranks ratings and policy coverage options shoppers can expect to find with each one.

How to find the cheapest insurance for a Dodge Journey

It is possible to find better rates, and here are some of the recommended money-saving suggestions that can help Maine drivers find low-cost coverage.

• Choose a safer vehicle and pay lower rates
• Do not get into accidents that are your fault
• Assess whether full coverage is needed
• Maintaining good credit helps earn cheaper rates
• Do not get traffic citations
• Raise comprehensive and collision coverage deductibles
• Ensure you have the best deal by shopping around regularly

The last tip is particularly critical, as was affirmed in this write-up. Insurance prices in Maine adjust often, so don’t be hesitant to buy a policy from a new company if a cheaper price is available. Brand loyalty is not necessarily bad, but it’s not a good idea if your bullheadedness ends up costing you a lot of money every month. In just a few minutes you could compare prices to find cheaper car insurance for a Dodge Journey.

Who has the cheapest Dodge Journey insurance quotes?

Drivers have many ways to compare auto insurance prices in Maine, but the most preferred are either through a non-exclusive or independent agent, an exlusive agent like Allstate or State Farm, or from a direct company like Progressive.

Each way has the same basic process, but auto insurance buyers need to understand the differences in how they function.

Independent agencies are appointed by several companies and can compare coverage rates with every one. They are not locked into one company and can provide multiple price quotes, which may provide you with better odds of saving money. If you are not satisfied with one company, your policy is moved internally and you can keep the same agent.

An exclusive ageny is usually restricted to just one company, two examples being Allstate or Farmers Insurance agents. Exclusive agents generally are unable to provide other companys’ prices, which necessitates shopping around.

If you buy direct, you bypass an exlusive or independent agent and instead shop direct online or over the phone from a company like Esurance or Progressive. This option may be a decent choice consumers who do not need advice for risk management and know how auto insurance works.

So out of those three methods, which one works best for finding the cheapest insurance for a Dodge Journey in Maine? The majority of people assume that shopping direct saves the most money because there isn’t an agent involved, but that generally is not the case. An argument could also be made that an independent agency guarantees the cheapest rates since they can provide multiple quotes, but that idea is not necessarily true either. And sometimes, the exclusive agents have very competitive rates that other auto insurance companies cannot touch.

Since auto insurance prices are based on many different factors, the only real way to buy the cheapest coverage is to get as many comparison quotes as possible. We highly recommend getting price quotes all three ways to give yourself enough choices. For a list of companies offering online discounts, click here to view.