Cheap Rates for Dodge Journey Insurance in Plano

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It takes a few minutes, but the best way to get discount auto insurance rates is to compare prices regularly from insurers who provide car insurance in Plano. Rates can be compared by following these guidelines.

First, read and learn about how companies set rates and the things you can control to keep rates down. Many rating factors that result in higher rates such as inattentive driving and poor credit history can be controlled by making lifestyle changes or driving safer. Continue reading for more details to help prevent high rates and find available discounts that you may qualify for.

Second, compare rates from direct carriers, independent agents, and exclusive agents. Exclusive and direct companies can give quotes from one company like GEICO and Allstate, while agents who are independent can provide rate quotes from multiple sources.

Third, compare the price quotes to your existing policy to determine if switching companies saves money. If you find a lower rate quote and buy the policy, ensure there is no coverage lapse between policies.

Fourth, notify your current company to cancel your current car insurance policy. Submit the required down payment along with the signed application to the new insurer. As soon as coverage is bound, safely store the proof of insurance certificate along with the vehicle's registration papers.

One key aspect when comparing rates is to use the same liability limits and deductibles on each quote and and to analyze as many carriers as you can. Doing this provides the most accurate price comparison and the best price quote selection.

Insurance quote for Dodge Journey in PlanoShockingly, a large majority of drivers have bought car insurance from the same company for more than four years, and nearly half have never shopped around. Plano drivers can save hundreds of dollars each year by just shopping around, but they don't believe the actual amount they would save if they switch to a new company.

The most recommended method to compare car insurance company rates for Dodge Journey insurance in Plano is to understand most insurance companies actually pay money for the chance to compare rate quotes. To start a quote, the only thing you need to do is provide the companies a bit of rating information such as how much you drive, level of coverage desired, the make and model of your vehicles, and if a SR-22 is needed. Your rating data is automatically sent to multiple companies and they provide comparison quotes within a short period of time.

To check Dodge Journey insurance prices now, click here and enter the information requested.

The companies in the list below can provide quotes in Texas. If multiple companies are listed, we recommend you compare several of them to get the best price comparison.

Here's why auto insurance is not optional

Even though Plano Journey insurance rates can get expensive, maintaining insurance is a good idea for several reasons.

  • Just about all states have minimum liability requirements which means the state requires a specific level of liability in order to drive the car. In Texas these limits are 30/60/25 which means you must have $30,000 of bodily injury coverage per person, $60,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.
  • If you took out a loan on your Dodge, almost all lenders will require that you have full coverage to ensure they get paid if you total the vehicle. If the policy lapses, the bank may buy a policy for your Dodge at a much higher premium rate and force you to pay for the expensive policy.
  • Auto insurance preserves both your car and your assets. Insurance will also pay for most medical and hospital costs for yourself as well as anyone injured by you. As part of your policy, liability insurance also pays for attorney fees and expenses in the event you are sued. If damage is caused by hail or an accident, your policy will pay to have it repaired.

The benefits of buying enough insurance more than offset the price you pay, specifically if you ever have a liability claim. The average driver in Texas is wasting up to $855 a year so it's important to compare rates at least once a year to save money.

Coverage analysis

The premium information shown below showcases a range of rate quotes for Dodge Journey models. Being able to understand how insurance policy premiums are established can help drivers make informed decisions.

Dodge Journey Insurance Rates in Plano, TX
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Journey SE 2WD $314 $550 $496 $30 $148 $1,538 $128
Journey SXT 2WD $314 $670 $496 $30 $148 $1,658 $138
Journey R/T 2WD $356 $670 $496 $30 $148 $1,700 $142
Journey SXT Crew 2WD $356 $670 $496 $30 $148 $1,700 $142
Journey SXT AWD $356 $670 $496 $30 $148 $1,700 $142
Journey R/T AWD $356 $788 $496 $30 $148 $1,818 $152
Journey SXT Crew AWD $356 $788 $496 $30 $148 $1,818 $152
Get Your Own Custom Quote Go

Above prices assume single female driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and Texas minimum liability limits. Discounts applied include homeowner, claim-free, safe-driver, multi-vehicle, and multi-policy. Premium costs do not factor in zip code location which can impact prices significantly.

Physical damage deductible comparison

One of the most common auto insurance questions is where should you set your physical damage deductibles. The comparisons below may aid in understanding the rate fluctuation of buying low and high physical damage deductibles. The first pricing table uses a $250 comprehensive and collision deductible and the second price grid uses a $500 deductible.

Dodge Journey insurance prices with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Journey SE 2WD $294 $408 $382 $22 $114 $1,245 $104
Journey SXT 2WD $294 $496 $382 $22 $114 $1,333 $111
Journey R/T 2WD $332 $496 $382 $22 $114 $1,371 $114
Journey SXT Crew 2WD $332 $496 $382 $22 $114 $1,371 $114
Journey SXT AWD $332 $496 $382 $22 $114 $1,371 $114
Journey R/T AWD $332 $584 $382 $22 $114 $1,459 $122
Journey SXT Crew AWD $332 $584 $382 $22 $114 $1,459 $122
Get Your Own Custom Quote Go
Dodge Journey insurance prices with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Journey SE 2WD $240 $328 $382 $22 $114 $1,086 $91
Journey SXT 2WD $240 $400 $382 $22 $114 $1,158 $97
Journey R/T 2WD $270 $400 $382 $22 $114 $1,188 $99
Journey SXT Crew 2WD $270 $400 $382 $22 $114 $1,188 $99
Journey SXT AWD $270 $400 $382 $22 $114 $1,188 $99
Journey R/T AWD $270 $472 $382 $22 $114 $1,260 $105
Journey SXT Crew AWD $270 $472 $382 $22 $114 $1,260 $105
Get Your Own Custom Quote Go

Above prices assume married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include claim-free, homeowner, multi-policy, safe-driver, and multi-vehicle. Prices do not factor in Plano location which can influence premiums greatly.

Using the premium rates above, we can conclude that using a $250 deductible will cost you approximately $15 more each month or $180 annually than requesting the higher $500 deductible. Because you would pay $250 more if you file a claim with a $500 deductible as compared to a $250 deductible, if you tend to go more than 17 months between claim filings, you would probably come out ahead going with the higher deductible.

The illustration below demonstrates how deductible levels and can raise or lower Dodge Journey insurance costs for different ages of insureds. The rates are based on a single male driver, comp and collision included, and no discounts are applied to the premium.

Plano car insurance discounts

Companies that sell car insurance don't always publicize every policy discount in a way that's easy to find, so the list below gives a summary of a few of the more well known and the harder-to-find credits that you can use to lower your rates.Cheaper car insurance with discounts

  • Government Employees - Active or former government employment can earn a discount up to 10% but check with your company.
  • Multi-Vehicle Discounts - Having several vehicles on the same car insurance policy can get a discount on all vehicles.
  • Student in College - Any of your kids who are enrolled in a college that is more than 100 miles from Plano and do not take a car to college may be able to be covered for less.
  • 55 and Retired - Drivers that qualify as senior citizens could receive lower premium rates.
  • New Vehicle Savings - Adding a new car to your policy may earn a small discount due to better safety requirements for new model year vehicles.

While discounts sound great, it's important to understand that most credits do not apply to the whole policy. A few only apply to specific coverage prices like collision or personal injury protection. So even though it sounds like all those discounts means the company will pay you, it's just not the way it works.

The example below compares Dodge Journey yearly insurance costs with and without discounts. The information is based on a female driver, no claims, a clean driving record, Texas state minimum liability limits, comprehensive and collision coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with claim-free, multi-policy, multi-car, marriage, homeowner, and safe-driver discounts applied.

A partial list of companies that may offer quotes with these money-saving discounts include:

When comparing rates, check with every insurance company which discounts you may be entitled to. Savings might not apply in Plano. To find providers who offer cheap Dodge Journey insurance quotes in Texas, click here.

When should I have guidance from an insurance agency?

A lot of people just prefer to get professional advice from a licensed agent and that is a smart decision One of the best bonuses of comparing insurance online is you may find lower prices and still buy from a local agent. Buying insurance from neighborhood insurance agencies is definitely important in Plano.

Plano insurance agentsTo help locate an agent, after submitting this short form, your insurance coverage information is transmitted to agents in your area who will give you quotes to get your business. There is no need to search for any insurance agencies since price quotes are sent to the email address you provide. You can get cheaper insurance rates and work with a local agent. If you have a need to quote rates from a specific insurance company, you just need to jump over to their website to submit a rate quote request.

Do you need an independent or exclusive auto insurance agent?

If you want to use a reliable insurance agent, you need to know there are two types of insurance agents and how they are distinctly different. Insurance agencies in Plano are considered either independent agents or exclusive agents.

Independent Insurance Agents (or Brokers)

Independent agents do not sell for just one brand so they can quote policies with lots of companies and find you cheaper rates. If premiums increase, they simply switch companies in-house which makes it simple for you.

When comparing insurance prices, you definitely need to get insurance quotes from multiple independent agents in order to have the best price comparison. Many can place coverage with smaller companies that can offer cheaper rates than bigger companies.

Shown below are Plano independent insurance agencies that may be able to give you price quotes.

More insurance agents

Exclusive Insurance Agents

Exclusive insurance agents can only place business with one company like Farmers Insurance or State Farm. These agents are not able to shop your coverage around so they really need to provide good service. Exclusive agents are very knowledgeable on sales techniques which helps overcome the inability to quote other rates. Consumers frequently use the same exclusive agent partially due to the brand legacy rather than having low rates.

The following are exclusive agencies in Plano who can help you get rate quotes.

More insurance agents

Choosing an insurance agent shouldn't rely on just the quoted price. These are some questions you should get answers to.

  • Do the companies they represent have a solid financial rating?
  • Is there any savings for paying the full premium?
  • How does the company pay claims for a total loss?
  • Does the agent have professional designations like CIC, CPCU or AIC?
  • Do they regularly work with personal auto policies in Plano?
  • Did they already check your driving record and credit reports?
  • How long has the business existed?
  • Does the company use OEM repair parts?

More quotes mean more car insurance savings

In this article, we covered a lot of ways to compare Dodge Journey insurance premium rates in Plano. The key concept to understand is the more you quote Plano car insurance, the better chance you'll have of finding affordable Plano car insurance quotes. You may even discover the most savings is with the smaller companies.

Budget-friendly car insurance in Plano can be purchased both online in addition to local insurance agencies, so you should be comparing quotes from both to have the best chance of lowering rates. Some companies don't offer rate quotes online and most of the time these small, regional companies provide coverage only through local independent agents.

As you prepare to switch companies, you should never buy poor coverage just to save money. There are a lot of situations where an insured cut liability limits or collision coverage only to discover later that the savings was not a smart move. Your aim should be to buy a smart amount of coverage for the lowest price while still protecting your assets.

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