Who Has the Cheapest Insurance Quotes for a Dodge Journey in Massachusetts?

When talking about auto insurance, the words “cheap” or “affordable” should never be used anywhere in the article as a descriptor for auto insurance rates. The fact is, cheap auto insurance for a Dodge Journey just does not exist. But don’t despair, because we will show you how you can still find and buy coverage that is more affordable.

Your chances of finding the cheapest insurance for a Dodge Journey in Massachusetts relies on a complex formula that considers things like whether you use your Journey for business use, your residence address, and citations on your driving record. Massachusetts drivers will pay around $890 a year to insure their Journey, but that rate is an approximation calculated using a 50-year-old married female with both comprehensive and collision coverage and $250 physical damage deductibles.

It’s more than likely that you are not 50 and possibly not even female, you might be single instead of married, or maybe your Journey is old enough that it doesn’t require full coverage. What people think is a minor change in rating factors could end up in a significant change in the cost of insurance.

Each driver’s needs are different, and that demonstrates why the most reliable way to find the most affordable coverage for your Dodge is to get into the habit of comparing rates once a year. Quotes only take a couple of minutes and you will receive rate quotes from some of the most affordable companies that insure vehicles in Massachusetts.

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The trim level of your Dodge will likely have an effect on the annual cost of coverage, so the rate you pay to insure a Journey SE 2WD model will be $156 less than the cost to insure the fancier Journey SXT Crew AWD trim level, as shown by the rates below.

Prices above based on married female driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and Massachusetts minimum liability limits. Discounts applied include claim-free, safe-driver, multi-vehicle, multi-policy, and homeowner. Rate quotes do not factor in specific location information which can raise or lower price quotes considerably.

Picking a highly-rated car insurance company is difficult considering how many companies sell coverage in Massachusetts. The company information below can help you select which companies you want to consider comparing rates with. The rankings below are for companies who write in the majority of U.S. states, so companies that focus mainly on Massachusetts business are not included in the list.

The example below highlights how deductible choice can impact insurance costs when researching cheap insurance for a Dodge Journey. The premiums are based on a single male driver, comprehensive and collision coverage, and no discounts are taken into consideration.

The data above shows that a 50-year-old driver could reduce rates by $286 a year by increasing from a $100 deductible up to a $500 deductible, or save $434 by choosing a $1,000 deductible. Younger drivers, like the age 20 example, could possibly save up to $930 or more just by using higher deductibles. If you do raise deductibles, it is important to have enough funds in savings to allow you to pay the extra out-of-pocket expense, which is the primary disadvantage of high deductibles.

Full coverage versus liability-only

Finding the cheapest insurance for a Dodge Journey in Massachusetts is probably important to the majority of vehicle owners, and one of the quickest ways to save on the cost of insurance is to not buy comprehensive and collision coverage. The information below illustrates the difference between insurance rates with full physical damage coverage compared to only buying the minimum liability limits required in Massachusetts. The data is based on no accidents or driving violations, $1,000 deductibles, drivers are single, and no policy discounts are applied.

If all age groups are averaged, physical damage coverage on your policy costs an additional $1,686 per year more than just insuring for liability. That proposes the question if you should buy full coverage at all. There is no definitive rule of when to stop paying for full coverage on your policy, but there is a general guideline you can use. If the annual cost of your full coverage insurance is 10% or more of the replacement cost minus the deductible, then it’s probably a good time to buy liability coverage only.

Cheapest car insurance: Geico, Allstate, Progressive, or State Farm

When buying auto insurance, four companies to take a look at are Geico, Allstate, Progressive, and State Farm. The table below points out ratings for price and service, as well as some optional coverages that may be available in your state.