Cheap Insurance for a Dodge Journey in Louisiana

The likelihood of finding the cheapest auto insurance for a Dodge Journey in Louisiana depends on many different factors like annual miles driven, if you have ever let your coverage lapse, and if you had any at-fault accidents in the last few years. Louisiana drivers pay an average rate of $1,450 every 12 months to buy Dodge Journey insurance, but that is an approximation based on rates for a 40-year-old single male driver that included both comprehensive and collision coverage and $500 deductibles.

There is a really good chance that you are not a 40-year-old male, maybe you are married instead of single, or maybe you just want to insure for liability only. Making minor changes in quote information can generate big changes in the price of coverage.

Having different needs demonstrates why the most reliable method for finding the most affordable coverage for your Dodge is to do the rate comparisons yourself.

Compare Dodge Journey Insurance Rates

The trim level of your Dodge will likely have an effect on the coverage cost, so the price to insure a Journey SE 2WD will be $236 less than the price to insure the more costly Journey SXT Crew AWD version, as shown in the table below.

Table data represents single male driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Louisiana minimum liability limits. Discounts applied include homeowner, safe-driver, multi-vehicle, multi-policy, and claim-free. Table data does not factor in vehicle location which can lower or raise premiums noticeably.

Insuring your vehicle with a highly-rated insurance company can be a challenge considering how many companies are available to choose from in Louisiana. The company information displayed below may help you choose which companies to look at when comparing insurance rates for a Dodge Journey.

The ratings below are for the companies with a significant amount of written premium nationwide, so companies that only write business in Louisiana or surrounding areas will not be included in this list. To check prices and find cheaper insurance for a Dodge Journey, click this link.

The information below highlights how deductible selection can increase or decrease yearly insurance costs when searching for cheap insurance for a Dodge Journey. The information is based on a single female driver, comp and collision included, and no discounts are factored in.

google.charts.setOnLoadCallback(drawDfdqcibChart);function drawDfdqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘$100 Deductible’,’$250 Deductible’,’$500 Deductible’,’$1,000 Deductible’],[‘Age 20’, 4473,4107,3705,3319],[‘Age 30’, 3121,2853,2545,2247],[‘Age 40’, 2889,2645,2365,2099],[‘Age 50’, 2527,2313,2069,1833],[‘Age 60’, 2439,2235,1999,1775],[‘Age 70’, 2827,2597,2337,2093]]);var options = {title: ‘Deductible Levels and Dodge Journey Insurance Rates in Louisiana’,titleTextStyle: {color: ‘#333’,fontSize: 17,bold: true},width: ‘100%’,height: 700,’chartArea’: {left:100,top:50,’width’: ‘100%’,’height’: ‘80%’},legend: {position: ‘bottom’,textStyle: {fontSize: 12}},bar: {groupWidth: ‘80%’},colors: [‘#6791b9′,’#75a8d8′,’#98bee2′,’#bad4ec’],hAxis: {title: ‘Annual Insurance Cost for a Dodge Journey’,minValue: 0,format: ‘$###,###’},vAxis: {title: ‘Age of Insured’}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});formatter.format(data,1);formatter.format(data,2);formatter.format(data,3);formatter.format(data,4);var chart = new google.visualization.BarChart(document.getElementById(‘qcibdfd’));chart.draw(data, options);}

In the chart above, a 50-year-old driver could cut expenses by $458 a year by changing their physical damage coverage from a $100 deductible to a $500 deductible, or save $694 by switching to a $1,000 deductible. Youthful drivers, like the 20-year-old example, can save as much as $1,154 every year just by choosing higher deductibles. When using a larger deductible, it is a good idea to have enough spare savings to be able to pay the extra out-of-pocket expense that comes with higher deductibles.

Low rates today, overpriced tomorrow

Louisiana insurance rates are influenced by many factors that may substantially change the price you have to pay for coverage. Simply having another birthday, having a claim, or getting a reckless driving citation can produce rate changes that may make certain companies cheaper in comparison to the competition.

Not only may your situation change, but car insurance companies change the rates they charge in Louisiana every year in order to offset underwriting gains or losses. A period of higher than normal claims may result in increased rates, while profitable underwriting can result in lower-cost Journey insurance rates.

The bar chart below compares the cheapest car insurance in Louisiana for a 40-year-old male driver with no prior accidents, a clean driving record, and a good credit history. When quoting prices based on his current risk profile, USAA quotes the cheapest car insurance rates in Louisiana at $1,626 a year. This is $788 less than the average policy premium paid by Louisiana drivers of $2,414. MetLife, GEICO, Progressive, and Safeway are also included in the cheapest Louisiana auto insurance companies.

google.charts.setOnLoadCallback(drawLAWitcqcibChart);function drawLAWitcqcibChart() {var data = google.visualization.arrayToDataTable([[‘Company’, ‘Rate’, { role: ‘style’ }],[‘USAA’, 1626, ‘#53860C’],[‘MetLife’, 1910, ‘#456F0A’],[‘GEICO’, 1965, ‘#395C08’],[‘Progressive’, 2005, ‘#2F4C06’],[‘Safeway’, 2132, ‘#273F05’]]);var options = {title: ‘Best Cheap Auto Insurance for a Dodge Journey’,titleTextStyle: {color: ‘#333’, fontSize: 17, bold: true},width: ‘100%’,height: 300,’chartArea’: {left:0,top:50,’width’: ‘100%’, ‘height’: ‘70%’},bar: {groupWidth: “90%”},legend: {position: ‘none’},vAxis: {viewWindowMode:’explicit’,viewWindow:{max:2232,min:0}}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});var view = new google.visualization.DataView(data);view.setColumns([0, 1,{ calc: “stringify”,sourceColumn: 1,type: “string”,role: “annotation” },2]);formatter.format(data,1);formatter.format(data,2);var chart = new google.visualization.ColumnChart(document.getElementById(‘qcibwitc’));chart.draw(view, options);}

Now let’s give the driver in the first example an accident claim, a lower credit rating, and a stop sign violation. Since each insurance company uses their own method to determine rates, comparing quotes could result in a different list of cheap Louisiana auto insurance companies as shown below.

google.charts.setOnLoadCallback(drawLAWcqcibChart);function drawLAWcqcibChart() {var data = google.visualization.arrayToDataTable([[‘Company’, ‘Rate’, { role: ‘style’ }],[‘Southern Farm Bureau’, 2498.1, ‘#F57E00’],[‘State Farm’, 2594.9, ‘#CC6900’],[‘Safe Auto’, 2803.9, ‘#AA5700’],[‘MetLife’, 2865, ‘#8D4800’],[‘GEICO’, 2947.5, ‘#753C00’]]);var options = {title: ‘New Rates with Accident/Violation Surcharges’,titleTextStyle: {color: ‘#333’,fontSize: 17,bold: true},width: ‘100%’,height: 300,’chartArea’:{left:0,top:50,’width’: ‘100%’, ‘height’: ‘70%’},bar: {groupWidth: “90%”},legend: {position: ‘none’},vAxis: {viewWindowMode:’explicit’,viewWindow:{max:3047.5,min:0}}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});var view = new google.visualization.DataView(data);view.setColumns([0, 1,{ calc: “stringify”,sourceColumn: 1,type: “string”,role: “annotation” },2]);formatter.format(data,1);formatter.format(data,2);var chart = new google.visualization.ColumnChart(document.getElementById(‘qcibwc’));chart.draw(view, options);}

Southern Farm Bureau now has the best auto insurance rate in Louisiana with State Farm, Safe Auto, MetLife, and GEICO now rounding out the top five. This shows why consumers need to spend some time comparing rates to get the best car insurance quotes for a Dodge Journey.

Rates are calculated by many things and can increase or decrease at any time, so the cheapest company when you bought your policy may now cost much more than other companies.

How to find cheap insurance for a Dodge Journey in Louisiana

The list below shows some of the recommended money-saving suggestions that can help Louisiana drivers buy the cheapest coverage.

• Avoid accidents and claims
• Choose a safer vehicle and pay lower rates
• Try to remain claim-free
• Do not get traffic violations
• Buy your auto and home insurance from the same company and save
• Compare rates regularly to ensure the best deal

That final tip is extraordinarily crucial, as was noted in the article above. Rates go up and down frequently, so drivers shouldn’t be resistant to buy from a different company if a more affordable rate is found. Many drivers have brand loyalty and that’s fine, but it isn’t a good idea if that stubbornness costs you money that could be going to better use. It takes less than five minutes to compare prices and find cheaper insurance for a Dodge Journey.

Who has the cheapest Dodge Journey insurance quotes?

Drivers have many ways to find cheaper insurance in Louisiana, but the most common are through an independent or non-exclusive agent, an exclusive insurance agent like Liberty Mutual or State Farm, or from a direct company like Progressive or Geico.

Each way has the same basic process, but shoppers should understand the differences in how they work.

Independent insurance agents write business for many companies and can compare coverage rates with every one. Agents of this type are usually affiliated with several companies and can get prices from more than one company, which may give you a better chance of finding cheaper coverage. If cheaper coverage is found, they simply move the coverage in-house and you stay with the same agent.

An exclusive ageny is only able to quote rates from one company, two examples are Allstate or Farmers Insurance agents. These agents normally cannot shop your coverage around, so keep that in mind.

Opting to purchase insurance direct means you bypass a local agent and instead buy direct from companies such as Geico or Esurance. Buying direct may be the best choice families who do not need complex risk management and have a good understanding of what coverage options they need.

Which way is best to buy cheap insurance for a Dodge Journey in Louisiana? It would be obvious to point out buying from a direct company results in the cheapest rates because you bypass the agent, but unfortunately, that is not the case. We could also say that an independent agent results in the cheapest rates because they can quote many companies, but that assumption is also not accurate. And occasionally, exclusive agents may have very competitive prices that are impossible to beat.

Because there is so much variation in insurance prices, the best method to ensure you are not overpaying is to obtain price quotes and compare them. Money-saving experts recommend you get prices from all three types in order to have enough rates to compare. For a list of companies with cheap rates in Louisiana, click here to view.