Cheap Insurance for a Dodge Journey in Washington

The chances of finding the best cheap auto insurance for a Dodge Journey in Washington is contingent on many different factors such as the number of years of driving experience you have, if you are a frequent claim filer, and if your driving record shows any at-fault accidents. Drivers in Washington on average pay approximately $910 annually to insure their Journey, but that cost is a ballpark figure using rating data for a 30-year-old married male that includes full comprehensive and collision coverage and $250 policy deductibles.

The problem with using this number is the good chance you are not exactly 30 years old and possibly not even male, maybe you are single instead of married, or maybe you have a couple of speeding tickets. What seems to be a small difference in rating variables can result in a big discrepancy in rates.

There is no one cookie-cutter policy that works for everyone, so the most reliable way to find cheap auto insurance rates for your Dodge is to do your own rate comparisons. In just a couple of minutes you will be able to compare rates from the best auto insurance companies that offer coverage in Washington.

Insure Your Dodge for Less

The specific trim level has an effect on the cost of insurance, so the cost to insure a Journey SE 2WD trim level will be $166 cheaper than the price to insure the higher-priced Journey SXT Crew AWD trim level, as shown in the prices below.

Cost estimates assume married male driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Washington minimum liability limits. Discounts applied include multi-policy, safe-driver, homeowner, multi-vehicle, and claim-free. Price information does not factor in specific zip code location which can impact price quotes greatly.

Buying affordable auto insurance is not always easy, and deciding which company offers the lowest-priced auto insurance rates for a Dodge Journey calls for a little more work. Each auto insurance company has a different process for determining prices, so let’s take a look at the most budget-friendly auto insurance companies in Washington.

It’s a good idea to know that Washington auto insurance rates are influenced by many factors that will increase or decrease the cost of coverage. Improving your credit score, increasing liability limits, or getting a ticket for careless driving may cause policy rate changes that may make certain companies higher-priced than before.

Compare Cheap Insurance Quotes for Your Dodge

Compare Rates and Save

Capital may have some of the lowest car insurance rates in Washington at around $784 each year. Grange, Nationwide, PEMCO, and Travelers would also be considered some of the lowest-priced Washington car insurance companies.

As shown above, if you are insured with Grange and switched to Capital, you could realize yearly savings of approxmiately $54. Customers with Nationwide could save as much as $197 a year, and PEMCO insureds might lower prices by up to $210 a year.

To find cheap insurance for a Dodge Journey in Washington, click here to get quotes or feel free to get quotes from the companies below.

Understand that those rates are averaged for all insureds and vehicles and and are not figured with a specific rate factor for a Dodge Journey. So the insurer that can offer you the lowest price may not even be in the above list. That emphasizes why you need to compare as many prices as possible using your own specific driver and vehicle information.

Difference between liability only and full coverage rates

Finding cheap insurance for a Dodge Journey in Washington is important to the majority of people, and one of the best ways to buy cheaper insurance is to not buy comprehensive and collision coverage. The chart below illustrates the comparison of premium costs with and without full coverage. The prices are based on no violations or claims, $500 deductibles, drivers are single, and no discounts are taken into consideration.

If we average all the age groups together, physical damage coverage on your policy costs an additional $1,547 per year more than just buying liability insurance. That brings up the question if buying full coverage is a good investment. There is no definitive formula to eliminate physical damage coverage, but there is a general convention. If the annual cost of your full coverage insurance is 10% or more of the replacement cost of your vehicle minus the policy deductible, then it may be the right time to buy liability only.

For example, let’s assume your vehicle’s replacement cost is $5,000 and you have $1,000 physical damage deductibles. If your vehicle is totaled, the most you would get paid by your company is $4,000 after the policy deductible has been paid. If you are paying more than $400 annually for your policy with full coverage, then it’s probably a good time to buy liability coverage only.

The information below highlights how deductible choice can increase or decrease insurance costs when trying to find cheap insurance for a Dodge Journey. The data assumes a married female driver, comprehensive and collision coverage, and no discounts are applied to the premium.

In the chart above, a 40-year-old driver could save $282 a year by changing from a $100 deductible up to a $500 deductible, or save $424 by changing to a $1,000 deductible. Even younger insureds, like the 20-year-old category, could drop their prices up to $694 annually by using a higher deductible.

When using a larger deductible, it’s a good idea to have enough savings to enable you to pay the extra out-of-pocket expense, which is the one inconvenience of using high deductibles.