Who Has the Cheapest Jacksonville Car Insurance Rates for a Dodge Journey?

Buying the best cheap coverage for a Dodge Journey in Florida relies on a complicated formula that considers factors such as the age of the Journey, if you have recent claims, and any driving offenses on your record. Florida drivers pay approximately $1,455 annually for Journey insurance, but that amount is an approximation based upon a 50-year-old single male driver with full comprehensive and collision coverage and $100 deductibles.

There’s a good chance you may not be 50 years old (or even male), possibly married instead of single, and you need different coverage limits than the sample rates. Even a minor difference in rating variables or coverage information could end up in a significant change in the policy cost.

Not everyone needs the same coverages, so the only way to find cheap car insurance rates for your Dodge is to just take the time to compare rates yourself. It only takes a few minutes and you will get price quotes from the cheapest companies that offer coverage in Florida.

Cheapest Dodge Journey Insurance Rates

The specific trim level will likely have an effect on the cost of coverage, so the rate you pay to insure a Journey SE 2WD model will be $278 less than the price to insure the more expensive Journey SXT Crew AWD trim level, as shown in the prices below.

Price data assumes single male driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and Florida minimum liability limits. Discounts applied include multi-policy, safe-driver, claim-free, homeowner, and multi-vehicle. Premium costs do not factor in specific Jacksonville garaging location which can impact insurance rates noticeably.

Trying to buy cost effective insurance is difficult, and figuring out which company offers the most affordable insurance rates for a Dodge Journey will require even more work. Each company has a proprietary method to set their prices, so we’ll go over the insurance companies with the overall cheapest rates in Jacksonville.

It’s important to understand that Florida insurance rates are influenced by many factors that will increase or decrease the policy price. That is why Florida drivers need to compare many different companies when trying to get the most affordable insurance rates for a Dodge Journey. Car insurance prices are impacted by many factors and can change substantially, so the best company the last time you checked may now be an over-priced policy.

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USAA has some of the lowest car insurance rates in Jacksonville at around $986 per year. Amica, Electric, Progressive, and Travelers also make the cut as some of the cheaper Jacksonville, FL insurance companies.

As shown in the table above, if you currently have coverage with Electric and switched to USAA, you could earn savings of in the vicinity of $760. Customers with Progressive may save as much as $807 a year, and Travelers customers might lower prices by up to $883 a year.

If you would like to find cheaper car insurance rates, click here to get a free quote or visit several of the following companies.

Remember that these premium estimates are averages across all types of insureds and vehicles and and are not figured with a specific zip code for a Dodge Journey. So the insurer that can offer the best rates for your situation may not even be in the list above. That is why you need to quote rates from as many companies as possible using your own driver data and vehicle information.

The information below highlights how deductible choice can influence insurance costs when getting quotes for 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.

As shown above, a 40-year-old driver could pocket $476 a year by switching the physical damage coverage from a $100 deductible to a $500 deductible, or save $720 by selecting a $1,000 deductible. Even younger drivers, like the 20-year-old example, could roll back prices $1,582 or even more by selecting a higher deductible. When choosing a higher deductible, it’s a good idea to have additional savings on hand to allow you to pay the extra out-of-pocket expense that is associated with using high deductibles.

How much more does full coverage cost?

Buying cheaper insurance is the goal of most vehicle owners, and one common way to lower the cost of insurance for a Dodge Journey is to buy only liability coverage. The example below shows the difference between insurance prices with full coverage compared to only the Florida minimum liability coverage. The rates are based on no claims or driving violations, $500 deductibles, marital status is single, and no discounts are taken into consideration.

Averaged out for all age groups, physical damage coverage on your policy costs $2,364 per year over and above liability coverage. At some point, every insured wonders if you should buy full coverage. There is no definitive guideline for phasing out physical damage coverage on your policy, but there is a general guideline. If the annual cost of comprehensive and collision coverage is 10% or more of the settlement you would receive from your company, then it may be the right time to buy liability only.

For example, let’s assume your vehicle’s replacement cost is $10,500 and you have $1,000 policy deductibles. If your vehicle is damaged in an accident, you would only receive $9,500 after the policy deductible has been paid. If you are paying more than $950 annually to have full coverage, then you might consider buying liability only.

There are some cases where buying only liability insurance is not recommended. If you still have a lienholder on your title, you have to carry full coverage to protect the lienholder’s interest in the vehicle. Also, if you cannot afford to purchase a different vehicle in case of an accident, you should not drop full coverage.

How to get discounts on Jacksonville insurance

Insurance providers that offer cheap quotes for a Dodge Journey may have premium discounts that could reduce prices by as much as 35% if you meet certain criteria. A list of insurance companies and their possible discounts are included below.

• Progressive offers premium reductions for online signing, multi-vehicle, continuous coverage, online quote discount, and homeowner.
• Farmers Insurance discounts include good student, youthful driver, multi-car, alternative fuel, homeowner, and teen driver.
• Farm Bureau policyholders can earn discounts including multi-policy, youthful driver, 55 and retired, renewal discount, good student, and safe driver.
• State Farm may offer discounts for driver’s education, Drive Safe & Save, multiple policy, accident-free, and anti-theft.
• GEICO may have discounts that include driver training, multi-policy, military active duty, good student, multi-vehicle, seat belt use, and five-year accident-free.
• SAFECO may include discounts for drive less, accident prevention training, homeowner, anti-lock brakes, teen safety rewards, and anti-theft.
• Liberty Mutual has discounts for preferred payment discount, hybrid vehicle, new move discount, newly married, newly retired, and good student.

The diagram below compares auto insurance costs with and without discounts applied. The premiums assume a male driver, no accidents or driving violations, Florida state minimum liability limits, comp and collision included, and $250 deductibles.

The first bar for each age group shows insurance cost with no discounts. The lower bar shows the rates with vehicle safety, homeowner, accident-free, passive restraint, multiple vehicle, and defensive driving course discounts applied. When these discounts are applied to the policy premium, theamount saved on insurance for a Dodge Journey is 28% or $730.