Cheap Insurance for a Dodge Journey in Rhode Island

The chances of finding cheap coverage for a Dodge Journey in Rhode Island is contingent on many factors like the number of years you have been driving, your credit history, and any prior driving offenses you have. Rhode Island drivers pay on average $1,250 per year to insure a Dodge Journey, but that rate is an estimation that uses rate data for a 30-year-old married female driver who needs comprehensive and collision coverage and $250 policy deductibles.

But there is a good chance that you are not 30 and maybe not even a female, single instead of married, and you possibly have other drivers on your policy that need factored in. Not every driver requires the same auto insurance coverages, so the only real way to find the cheapest insurance price for your Dodge is to put in the effort and compare rates. It takes less than five minutes and you will receive rate quotes from top-rated car insurance companies that insure vehicles in Rhode Island.

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Your Dodge’s trim level will be a contributing factor to the yearly cost, so the rate you will pay to insure a Journey SE 2WD model will be $224 lower than the cost to insure the more costly Journey SXT Crew AWD version, as shown by the rates below.

Price data assumes married female driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Rhode Island minimum liability limits. Discounts applied include claim-free, multi-vehicle, multi-policy, safe-driver, and homeowner. Table data does not factor in vehicle garaging location which can raise or lower prices noticeably.

Establishing which companies offer the cheapest insurance rates for a Dodge Journey will require more work in order to find the lowest price quote.

Every auto insurer has their own formula for setting prices, so we’ll go over the insurance companies with the overall best prices in Rhode Island. It’s a good idea to be aware that Rhode Island insurance rates are impacted by many factors that will increase or decrease the policy premium. Simply having another birthday, buying a different vehicle, or getting a ticket for running a stop sign can cause premium changes that can cause some rates to be more affordable than competitors.

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USAA has some of the cheapest car insurance rates in Rhode Island at around $698 per year. State Farm, Travelers, Progressive, and Amica also qualify as some of the cheaper Rhode Island car insurance companies.

As shown above, if you currently buy coverage from Travelers and switched to USAA, you might see a yearly price reduction of around $561. Rhode Island drivers with Progressive may save as much as $801 a year, and Amica policyholders might lower prices by $814 a year.

Be aware that those premium estimates are averages for all drivers and vehicles in Rhode Island and do not take into consideration a specific rate factor for a Dodge Journey. So the car insurance company that is best suited for you may not even be in the company chart above. That helps illustrate why you need to compare prices as often as possible using your own specific driver information and vehicle.

Does full coverage make sense?

Finding cheap insurance for a Dodge Journey in Rhode Island should be important to most drivers, and one good way to save on the cost of insurance is to buy only liability coverage. The illustration below shows the comparison of premium costs with and without full coverage. The premiums assume no claims or driving violations, $500 deductibles, marital status is single, and no policy discounts are applied.

As an average, comprehensive and collision coverage on your policy costs $2,118 per year more than just insuring for liability. That amount may make you wonder if full coverage is worth the money. There is no specific rule of when to exclude comprehensive and collision coverage on your policy, but there is a general guideline. If the yearly cost of full coverage is about 10% or more of replacement cost minus your deductible, the it may be a good time to stop paying for full coverage.

For example, let’s say your vehicle’s book value is $5,000 and you have $1,000 full coverage deductibles. If your vehicle is totaled in an accident, the most your company would pay you is $4,000 after you pay the deductible. If it’s costing you more than $400 a year for full coverage, then it may be the right time to buy liability only.

There are some scenarios where only buying liability is not in your best interest. If you still owe a portion of the original loan, you have to maintain full coverage as part of the loan conditions. Also, if your finances do not allow you to purchase a different vehicle if your current one is in an accident, you should not consider dropping full coverage.

Irresponsible driving raises your rates

The obvious way to earn the cheapest insurance premiums in Rhode Island for a Journey is to drive cautiously and have a clean driving record. The example below highlights how speeding tickets and at-fault collisions can affect premium costs for different age groups. The premium estimates are based on a single male driver, comprehensive and collision coverage, $1,000 deductibles, and no discounts are applied.

The data above shows the average cost of an auto insurance policy per year with no violations or accidents is $2,010. Add in two speeding tickets and the average cost swells to $2,648, an increase of $638 each year. Then add one accident along with the two speeding tickets and the yearly cost of insurance for a Dodge Journey jumps again to an average of $3,299. That’s an increase of $1,289, or $107 per month, just for not maintaining a clean driving record!

Tips for finding budget-friendly insurance for a Dodge Journey

The list below details a few money-saving solutions that can help Rhode Island drivers quote lower-cost car insurance.

• Save money by bundling your home and auto policies
• Violations and traffic tickets increase rates
• Choose a safer vehicle and pay lower rates
• Staying accident-free helps keep rates low
• Try to remain claim-free
• Shop around for cheaper prices often

That final tip is very valuable, as we emphasized in the prior article. Insurance rates can be adjusted at any time, so don’t be tentative to change to a new company if a better rate can be found. Many drivers tend to have loyalty to a certain company, but it’s not a great idea if that dedication is costing lots of hard earned cash every month. Take a couple minutes and compare rates to find cheaper auto insurance for a Dodge Journey.

Who has the cheapest Dodge Journey insurance quotes?

There are a variety of different ways to shop for and buy insurance in Rhode Island, but the most common methods are using a captive (or exclusive) agent such as State Farm or Allstate, an independent insurance agent, or from a direct company like Geico or Progressive.

All three ways are similar, but each is different in how they give price quotes.

Independent insurance agencies write for multiple companies and can compare rates with every one. These agents are usually affiliated with several companies and can give you more rates, which may give you a better chance of saving money. If your premiums go up, your policy can be easily switched to a different company without having to get a different agent.

A captive, or exclusive, agent is restricted to a single insurance company, two examples are State Farm and Allstate agents. Exclusive agents normally do not have the ability to provide rates from more than one company, so they really need to provide good service.

If you want to buy insurance direct, you skip an agent and buy direct online or over the phone from a company like Esurance or Geico. This option can be a good choice for drivers who have an average risk profile and know more than average about what specific coverages they need.

What is the best way for finding cheap insurance for a Dodge Journey in Rhode Island? We wish we could say buying direct results in the cheapest price because there is no agent taking a commission, but in reality, that argument does not hold true. A valid argument could also be made that buying insurance from an independent agent saves the most money since they have more companies to choose from, but again, it’s not necessarily true. For the right applicant, exclusive agents have really good rates that other companies cannot beat.

Because there are so many factors that make up insurance rates, the one way to buy the cheapest policy is to compare lots of quotes. If time allows, get prices from all three types to give yourself enough choices. For a list of insurance companies with low rates, click here to view.

Company comparison: State Farm vs Allstate vs Progressive vs Geico

When it comes to auto insurance, probably the best companies to start with are State Farm, Allstate, Progressive, and Geico. When combined, they have almost 50% of all policies written in the United States. The table below ranks some of the different options and features you can expect with each one.