Cheapest Insurance for a Dodge Journey in Hawaii

Your chances of buying the best cheap insurance for a Dodge Journey in Hawaii hinges on many factors like your marital status, if you have ever had a gap in coverage, and any prior driving offenses. Hawaii drivers will pay around $790 every 12 months to insure a Dodge Journey, but that policy rate is a ballpark figure based on rates for a 40-year-old married male who requires full coverage and $250 physical damage deductibles.

The problem with using this number is the good chance you are not 40 years old and maybe not even male, single instead of married, or you just prefer to insure for liability only. Just a slight difference in quote information can lead to a big change in price quotes.

Each driver has unique rating factors, so the most reliable method for finding the most affordable coverage for your Dodge is to just compare rates yourself. Get your free quotes now and you will receive price comparisons from the cheapest companies in Hawaii.

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Vehicle trim level tends to have a direct impact on the cost of insurance, so the price you will pay to insure a Journey SE 2WD trim level will be $138 less than the insurance cost for the more expensive Journey SXT Crew AWD model, as shown in the table below.

Table data represents married male driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and Hawaii minimum liability limits. Discounts applied include multi-policy, multi-vehicle, safe-driver, homeowner, and claim-free. Price information does not factor in specific garaging location which can lower or raise auto insurance rates substantially.

Ending up with a highly-rated insurance provider can be a challenge considering how many choices there are in Hawaii. The company rank data below may help you analyze which car insurance companies to look at when comparing auto insurance rates for a Dodge Journey.

The rankings below include major nationwide insurance companies, so companies that have a smaller presence are not included in this list. To compare prices from these top-rated insurers and more, click here.

Top 10 Large Auto Insurance Companies in Hawaii Ranked by Value

1. USAA
2. American Family
3. The Hartford
4. State Farm
5. AAA Insurance
6. Nationwide
7. Safeco
8. Esurance
9. Allstate
10. Liberty Mutual

Top Companies for Dodge Journey Insurance in Hawaii

The chart below demonstrates how deductibles can increase or decrease insurance costs when trying to find cheap insurance for a Dodge Journey. The premiums are based on a married female driver, full physical damage coverage, and no discounts are factored in.

As shown above, a 30-year-old driver could lower rates by $260 a year by changing from a $100 deductible to a $500 deductible, or save $394 by using a $1,000 deductible. Youthful drivers, like the 20-year-old, could drop their prices $558 each year by choosing a larger deductible amount.

When increasing deductibles, it is necessary to have enough savings to enable you to pay the extra out-of-pocket expense, which is the main inconvenience of larger deductibles.

Impact of citations and accidents on insurance rates

A great way to score good insurance prices in Hawaii for a Journey is to be a careful driver and not have accidents or get tickets. The diagram below highlights how speeding tickets and at-fault collisions impact car insurance costs for different age categories. The premium estimates are based on a married male driver, comp and collision included, $1,000 deductibles, and no discounts are applied to the premium.

The data above shows the average cost of a car insurance policy in Hawaii per year with a clean driving record and no accidents is $1,062. Add in two speeding tickets and the average cost surges to $1,453, an increase of $390 each year. Next add one accident along with the two speeding tickets and the annual cost of insurance for a Dodge Journey jumps again to an average of $1,845. That’s an increase of $783, or $65 per month, just for not being a responsible driver!

How to find budget-friendly auto insurance for a Dodge Journey

The list below shows some of the recommended penny-pinching suggestions that can help Hawaii drivers locate cheaper car insurance.

• Do not pay for comprehensive and collision coverage on older vehicles
• Higher credit ratings may save you money
• If possible, do not file small claims
• Bundle home and auto and save
• Higher deductibles save money
• The safer your car, the less it costs to insure
• Compare prices as often as possible

That last piece of advice is extraordinarily necessary, as we pointed out in this article. Rates in Hawaii can be modified anytime, so don’t be unwilling to buy from a different company if a cheaper price is available.

Many consumers stick with the same company and that’s fine, but it’s not recommended if it’s costing you thousands of dollars over several years. It only takes a couple minutes to compare prices and find cheaper insurance for a Dodge Journey.

Best cheap Dodge Journey insurance quotes

Due to technology, there are many ways to get affordable insurance quotes in Hawaii, but the most popular are from an exclusive agency like State Farm or Liberty Mutual, an independent agent, or direct online or over the phone from a company like Geico or Progressive. All three ways are similar, but insurance buyers need to understand the differences in how they work.

Independent insurance agencies write business for many companies and can get policy pricing from all of them. These types of agents have the ability to give you more rate choices, which may provide you with the best shot at cutting your rates. If they find a cheaper price, your agent can switch companies and you don’t have to find a new agent.

An exclusive ageny is only able to write business for one company such as an Allstate or Liberty Mutual agent. These agents normally cannot shop your coverage around, so if prices are high they cannot provide alternatives.

Consumers who buy insurance direct do not use an exlusive or independent agent and instead shop direct either online or via phone. Buying insurance direct may be a decent choice consumers who do not need complex risk management and understand how insurance works.

So what is the best way for finding the cheapest insurance for a Dodge Journey in Hawaii? The quick answer would be shopping direct results in the best prices since no commissions are paid to an agent, but that does not always hold true. And we’d like to say an independent agency is the best way to go since there are more companies to choose from, but again, that’s not a true statement. And occasionally, exclusive agents have very competitive rates that cannot be beaten by either independent or direct companies.

Since insurance rates vary so much, the guaranteed way to ensure you are not overpaying is to compare, compare, and compare some more. If you want to save money, get quotes from all three types to give yourself enough choices. For a list of companies with online discounts, click here to view.