Compare Dodge Journey Insurance Quotes in Philadelphia

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Having to pay for high-priced car insurance in Philadelphia can dry up your budget and put a big crunch on your finances. Performing a price comparison is free and is an excellent way to make ends meet.

Insurance quote for Dodge Journey in PhiladelphiaUnbelievable but true, the vast majority of consumers in Pennsylvania kept their policy with the same company for four years or more, and nearly the majority have never even compared rates from other companies. American drivers could cut their rates by nearly $850 a year by just comparing quotes, but they just don't understand the large savings they would see if they switched to a cheaper policy.

There is such a variety of insurers to buy insurance from, and although it's nice to be able to choose, it makes it harder to find a good deal for Dodge Journey insurance in Philadelphia.

You should take the time to shop coverage around every six months since prices fluctuate regularly. Despite the fact that you may have had the best price on Dodge Journey insurance in Philadelphia last year the chances are good that you can find a lower rate today. Forget all the misinformation about car insurance because I'm going to teach you the fastest way to save on car insurance.

The Dodge Journey Insurance Rate Equation

Consumers need to have an understanding of a few of the rating criteria that aid in calculating insurance rates. When you know what positively or negatively determines base rates, this empowers consumers to make smart changes that can help you get much lower annual insurance costs. Lots of things are taken into consideration when you get your auto insurance bill. Most are fairly basic like your driving record, although others are not quite as obvious such as your marital status or your vehicle rating.

The itemized list below are some of the items insurance companies consider when setting your rates.

  • Does insurance coverage cost less for women? - Statistics demonstrate that females take fewer risks when driving. The data does not necessarily mean that men are worse drivers. Males and females tend to get into at-fault accidents in similar numbers, but the men tend to have more serious accidents. Men also statistically get ticketed for serious violations such as reckless driving.

    The information below illustrates the difference between Dodge Journey car insurance rates for male and female drivers. The costs are based on no claims, a clean driving record, comprehensive and collision coverage, $1,000 deductibles, marital status is single, and no other discounts are factored in.

  • Married drivers pay lower premiums - Having a significant other may cut your premiums when shopping for insurance. Having a spouse means you're more stable financially and statistics show drivers who are married are more cautious.
  • Lower rates with a multi-policy discount - The majority of insurance companies give lower prices to customers that have more than one policy such as combining an auto and homeowners policy. This can amount to 10 percent or more. Even if you already get this discount, drivers will still want to shop around to help guarantee you have the best rates.There is a chance you can save more without the discount by buying from different companies
  • Your credit score is important - Having a bad credit score is a large factor in determining your rates. Insureds with high credit ratings tend to be more responsible than those with lower ratings. If your credit rating is lower than you'd like, you could be paying less to insure your Dodge Journey by taking the time to improve your credit score.
  • Infrequent drivers can save - The more miles you rack up on your Dodge in a year's time the higher the price you pay to insure it. Many insurance companies apply a rate based on their usage. Autos that do not get driven very much can be on a lower rate level as compared to vehicles used primarily for driving to work. It's a smart idea to ensure your declarations sheet shows how each vehicle is driven, because improper ratings can cost you money. An improperly rated Journey may be costing you.
  • What type of vehicle do you drive? - The performance level of the car you need insurance for makes a substantial difference in the rate you pay. The lowest premiums will generally be found on small economy passenger vehicles, but that's not the only thing that factors into the final price.

    The following data uses these variables: single female driver age 50, full coverage with $1000 deductibles, and no discounts or violations. It illustrates Dodge Journey policy rates compared to other models that have different performance rating factors.

  • Never let your coverage lapse - Letting your insurance expire will be a fast way to increase your renewal premiums. Not only will rates go up, not being able to provide proof of insurance could result in a fine, jail time, or a revoked license.
  • Dodge Journey statistical loss data - Insurance companies analyze past claim statistics to help determine costs. Vehicles that have higher losses will cost more for specific coverages. The next table illustrates the actual insurance loss data for Dodge Journey vehicles.

    For each policy coverage, the claim amount for all vehicles combined as an average is a value of 100. Values that are 100 or less indicate better than average losses, while values that are above 100 point to more claims or an increased chance of larger losses than average.

    Dodge Journey Insurance Claim Statistics
    Vehicle Model Collision Property Damage Comp Personal Injury Medical Payment Bodily Injury
    Dodge Journey 4dr 2WD 80 92 80 148 163 131
    Dodge Journey 4dr 4WD 96 116 71 96

    Empty fields indicate not enough data collected
    Statistics Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

There are several ways of comparing rate quotes from lots of Pennsylvania car insurance companies. The fastest way to find cheaper Dodge Journey rates consists of shopping online.

Comparison shopping rates online is easy and it makes it a waste of time to physically go to different Philadelphia agent offices. The ability to quote Dodge Journey insurance online makes this process obsolete unless you prefer the professional abilities of a local agency. You can, however, comparison shop online but have a local agent actually write the policy. When comparison shopping, making a lot of price comparisons helps you find lower pricing.

The companies shown below offer price quotes in Philadelphia, PA. If multiple providers are shown, we suggest you visit several of them to get a more complete price comparison.

Dodge Journey coverage statistics

The rate information displayed next outlines detailed analysis of insurance premium costs for Dodge Journey models. Being aware of how insurance policy rates are figured can help you make decisions on the best policy to buy.

Dodge Journey Insurance Rates in Philadelphia, PA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Journey SE 2WD $150 $250 $428 $26 $128 $982 $82
Journey SXT 2WD $150 $304 $428 $26 $128 $1,036 $86
Journey R/T 2WD $170 $304 $428 $26 $128 $1,056 $88
Journey SXT Crew 2WD $170 $304 $428 $26 $128 $1,056 $88
Journey SXT AWD $170 $304 $428 $26 $128 $1,056 $88
Journey R/T AWD $170 $360 $428 $26 $128 $1,112 $93
Journey SXT Crew AWD $170 $360 $428 $26 $128 $1,112 $93
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Table data assumes single female driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and Pennsylvania minimum liability limits. Discounts applied include safe-driver, homeowner, multi-policy, claim-free, and multi-vehicle. Price information does not factor in garaging location in Philadelphia which can affect insurance rates significantly.

Choosing deductibles

When shopping for car insurance, a common question is the level to set your comp and collision deductibles. The comparisons below may aid in understanding the costs and benefits of buying low and high coverage deductibles. The first set of rates uses a $250 physical damage coverage deductible and the second rate chart uses a $500 deductible.

Dodge Journey insurance premium estimates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Journey SE 2WD $254 $352 $330 $20 $98 $1,079 $90
Journey SXT 2WD $254 $428 $330 $20 $98 $1,155 $96
Journey R/T 2WD $288 $428 $330 $20 $98 $1,189 $99
Journey SXT Crew 2WD $288 $428 $330 $20 $98 $1,189 $99
Journey SXT AWD $288 $428 $330 $20 $98 $1,189 $99
Journey R/T AWD $288 $506 $330 $20 $98 $1,267 $106
Journey SXT Crew AWD $288 $506 $330 $20 $98 $1,267 $106
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Dodge Journey insurance premium estimates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Journey SE 2WD $206 $284 $330 $20 $98 $938 $78
Journey SXT 2WD $206 $346 $330 $20 $98 $1,000 $83
Journey R/T 2WD $234 $346 $330 $20 $98 $1,028 $86
Journey SXT Crew 2WD $234 $346 $330 $20 $98 $1,028 $86
Journey SXT AWD $234 $346 $330 $20 $98 $1,028 $86
Journey R/T AWD $234 $408 $330 $20 $98 $1,090 $91
Journey SXT Crew AWD $234 $408 $330 $20 $98 $1,090 $91
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Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and Pennsylvania minimum liability limits. Discounts applied include multi-vehicle, safe-driver, homeowner, multi-policy, and claim-free. Information does not factor in specific Philadelphia garaging location which can affect coverage rates greatly.

Based on these figures, using a $250 deductible will cost in the ballpark of $13 more each month or $156 every year than requesting the higher $500 deductible. Due to the fact that you would have to pay $250 more if you file a claim with a $500 deductible as compared to a $250 deductible, if you average at a minimum 19 months between claims, you would probably be better off going with the higher deductible.

How to determine if a higher deductible is a good idea

Average monthly premium for $250 deductibles: $99
Average monthly premium for $500 deductibles (subtract): - $86
Monthly savings from raising deductible: $13
Difference between deductibles ($500 - $250): $250
Divide difference by monthly savings: $250 / $13
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 19 months

An important thing to remember is that increasing deductibles to save money means you will have to pay more out-of-pocket when you have a claim. You need some extra savings in the event you have to pay more for the deductible.

The information below shows how choosing a deductible and can affect Dodge Journey premium costs for different age categories. The data assumes a single female driver, comprehensive and collision coverage, and no additional discounts are factored in.

Insurance rate increases from tickets or accidents

The information below illustrates how traffic citations and accidents influence Dodge Journey premium costs for different age groups of insureds. The premiums are based on a married male driver, comp and collision included, $100 deductibles, and no other discounts are factored in.

Best reasons to buy car insurance in Pennsylvania

Even though it's not necessarily cheap to insure a Dodge in Philadelphia, insurance may be required and benefits you in several ways.

  • The majority of states have compulsory liability insurance requirements which means you are required to carry a specific level of liability in order to drive the car. In Pennsylvania these limits are 15/30/5 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $5,000 of property damage coverage.
  • If you bought your vehicle with a loan, more than likely the lender will make it a condition of the loan that you carry insurance to ensure they get paid if you total the vehicle. If you cancel or allow the policy to lapse, the bank or lender will purchase a policy for your Dodge at a much higher premium rate and require you to pay for the expensive policy.
  • Insurance safeguards not only your vehicle but also your assets. Insurance will also pay for medical transport and hospital expenses incurred in an accident. Liability insurance also pays for attorney fees and expenses if you are sued as the result of an accident. If mother nature or an accident damages your car, your policy will pay to repair the damage.

The benefits of having insurance definitely exceed the price paid, especially when you need to use it. In a recent study of 1,000 drivers, the average customer overpays as much as $810 a year so smart consumers compare quotes each time the policy renews to save money.

Discounts for cheap auto insurance quotes

Some insurers don't always list all discounts in a way that's easy to find, so the below list has some of the more common as well as the least known savings tricks you should be using when you buy Philadelphia auto insurance online.Save money with discounts

  • Save with a New Car - Insuring a new Journey can cost up to 25% less since new model year vehicles have better safety ratings.
  • Military Rewards - Being on active duty in the military can result in better auto insurance rates.
  • Drivers Education - Cut your cost by having your teen driver successfully take a driver's education course if it's offered in school.
  • Online Discount - A few auto insurance companies may give you up to $50 for buying your policy online.
  • Renewal Discounts - A few auto insurance companies offer discounts for switching policies prior to your current Journey insurance policy expiration. You could save around 10% when you buy Philadelphia auto insurance online.
  • Pay Early and Save - By paying your entire bill at once rather than spreading payments over time you may have a lower total premium amount.
  • Passenger Safety Discount - Factory options such as air bags and/or automatic seat belt systems could see savings of 20% or more.
  • Anti-theft Discount - Cars, trucks, and SUVs equipped with tracking devices and advanced anti-theft systems have a lower chance of being stolen and that can save you a little bit as well.
  • Multi-car Discount - Purchasing coverage when you have all your vehicles on one policy qualifies for this discount.

Policy discounts save money, but some of the credits will not apply to the entire cost. A few only apply to individual premiums such as comp or med pay. Just because you may think all the discounts add up to a free policy, companies wouldn't make money that way.

The illustration below shows the comparison of Dodge Journey annual premium costs with and without discounts applied to the premium. Data assumes a male driver, no accidents or driving violations, Pennsylvania state minimum liability limits, comp and collision included, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-policy, marriage, multi-car, homeowner, safe-driver, and claim-free discounts applied.

For a list of insurers with the best Dodge Journey insurance discounts in Philadelphia in Philadelphia, follow this link.

Local Philadelphia car insurance agents and insurance

A lot of people would rather sit down and talk to an agent and that is not a bad decision One of the best bonuses of comparing insurance prices online is that you can find cheaper car insurance rates and also buy local.

Insurance agents in PhiladelphiaUpon completion of this quick form, your insurance data is sent to agents in your area who can give free rate quotes for your coverage. It simplifies rate comparisons since you won't have to leave your house due to the fact that quote results will go to your email. You can most likely find cheaper rates and an insurance agent to talk to. If you wish to compare prices for a specific company, you just need to search and find their rate quote page to submit a rate quote request.

Picking the best provider needs to be determined by more than just a cheap price quote. Before buying a policy in Philadelphia, get answers to these questions.

  • How long has their agency been in business in Philadelphia?
  • Does the company allow you to choose your own collision repair facility?
  • Is the agency active in community causes in Philadelphia?
  • Do they offer claims assistance after hours?
  • If you have an accident, will your rates go up?
  • Does the agent have professional designations like CIC, CPCU or AIC?
  • What insurance company do they write the most business with?

If you need to find a good insurance agency, there are two different types of agents and how they are distinctly different. Agents can be described as either exclusive or independent.

Exclusive Insurance Agents

Agents in the exclusive channel can only place business with one company such as American Family, State Farm, and Allstate. They usually cannot give you multiple price quotes so it's a take it or leave it situation. They are usually well trained on sales techniques and that can be a competitive advantage.

The following are exclusive insurance agents in Philadelphia that can give you comparison quotes.

6750 N 5th St - Philadelphia, PA 19126 - (215) 224-4400 - View Map

326 S 19th St Ste 2 - Philadelphia, PA 19103 - (215) 772-0100 - View Map

7904 Germantown Ave - Philadelphia, PA 19118 - (267) 323-2923 - View Map

View more agents

Independent Insurance Agents

Agents that elect to be independent are not limited to a single company and that is an advantage because they can write policies with a variety of different insurance companies and find the cheapest insurance rates. If your premiums go up, they simply switch companies in-house and you won't have to switch agencies. If you are comparing rate quotes, we recommend you get rate quotes from independent agents to maximize your price options.

Shown below is a short list of independent agents in Philadelphia willing to provide price quote information.

300 W Cheltenham Ave - Philadelphia, PA 19126 - (215) 224-4890 - View Map

Rexach Insurance Agency
2932 N 5th St - Philadelphia, PA 19133 - (215) 229-6320 - View Map

1636 S Front St - Philadelphia, PA 19148 - (215) 468-4116 - View Map

View more agents

Shop around and save

When getting Philadelphia auto insurance quotes online, it's a bad idea to buy lower coverage limits just to save a few bucks. Too many times, an insured dropped uninsured motorist or liability limits only to discover later they didn't have enough coverage. Your strategy should be to get the best coverage possible at an affordable rate, but do not sacrifice coverage to save money.

We've covered many ways to find cheap Dodge Journey insurance in Philadelphia. It's most important to understand that the more providers you compare, the better chance you'll have of finding the cheapest Dodge Journey rate quotes. You may even discover the lowest priced auto insurance comes from an unexpected company. Regional companies can often provide lower premium rates in certain areas compared to the large companies like State Farm, GEICO and Nationwide.

For more information, feel free to browse the resources below: