Cheap Insurance for a Dodge Journey in Mississippi

Because the topic is auto insurance, the words “affordable” or “cheap” really shouldn’t be used as a descriptor for car insurance rates. It’s just a fact that cheap auto insurance for a Dodge Journey is not easy to find. But fear not, because we are going to show you some ways you can still find and buy insurance that won’t break the bank.

Your chances of buying the cheapest auto insurance for a Dodge Journey in Mississippi depends on a complicated rating formula that uses factors such as age of the vehicle, whether or not you are currently insured, and your policy deductibles. Drivers pay an average of $1,100 annually to insure a Dodge Journey, but that figure is a valuation based upon a 50-year-old single female that wants full coverage including both comprehensive and collision and $100 physical damage deductibles.

There is a very good chance that you are not 50 and maybe not even a female, married instead of single, or possibly you just want cheap liability coverage. Every insurance policy is unique to the driver, so the most reliable way to find cheap insurance rates for your Dodge is to just compare rates yourself. In less than five minutes you will be able to compare rates from top-rated car insurance companies available.

Compare Dodge Journey Insurance Rates

The trim level of your vehicle will likely have an effect on price, so the rate you pay to insure a Journey SE 2WD will be $206 cheaper than the price to insure the more costly Journey SXT Crew AWD model, as shown in the prices below.

Cost estimates assume single female driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and Mississippi minimum liability limits. Discounts applied include safe-driver, claim-free, multi-vehicle, homeowner, and multi-policy. Premium amounts do not factor in your specific Mississippi location which can alter rates greatly.

Mississippi insurance companies ranked

Ending up with the highest-rated insurance company is difficult considering how many choices drivers have in Mississippi. The company information in the lists below could help you decide which coverage providers to look at when comparing rates.

The ratings below are only comprised of companies with a national presence, so companies without a large exposure are not taken into consideration for these rankings. If you’d like to compare prices and find cheaper insurance for a Dodge Journey, follow this link.

Top 10 Large Auto Insurers in Mississippi Ranked by Customer Satisfaction

1. USAA – 91%
2. Esurance – 90%
3. AAA Insurance – 90%
4. Nationwide – 89%
5. Progressive – 88%
6. Safeco Insurance – 88%
7. State Farm – 88%
8. Allstate – 88%
9. Travelers – 88%
10. The Hartford – 87%

Top 10 Large Auto Insurers in Mississippi Ranked by Claims Service

1. Travelers
2. Allstate
3. Nationwide
4. State Farm
5. Liberty Mutual
6. GEICO
7. American Family
8. Esurance
9. AAA Insurance
10. Titan Insurance

Top Companies for Dodge Journey Insurance in Mississippi

The chart below shows how different deductible levels can influence insurance prices when searching for cheap insurance for a Dodge Journey. The premium estimates are based on a married female driver, comp and collision included, and no discounts are factored in.

The data above shows that a 50-year-old driver could lower their policy premium by $306 a year by changing from a $100 deductible up to a $500 deductible, or save $462 by selecting a $1,000 deductible. Even younger drivers, like the 20-year-old example, can cut as much as $762 or even more by choosing a larger deductible amount. When choosing a higher deductible, it’s a good idea to have enough in a savings account to enable you to cover the extra out-of-pocket expense. This is the primary disadvantage of choosing high deductibles.

Find cheap insurance for a Dodge Journey in Mississippi

Lowering your rates is not difficult, and here are a few money-saving ideas that can help you locate cheap car insurance.

• Buy your homeowners policy from the same company as your auto insurance
• Avoid preventable accidents
• Buy a car with high safety ratings
• Good credit scores may lower your rates
• Do not insure for full coverage
• Shop your coverage around for the best deal

That last piece of advice is extraordinarily critical, as was stressed in this piece. Coverage prices vary considerably, so don’t be hesitant to buy a policy from a new company if a cheaper rate is available.

Having a favorite company is great, but we do not recommend it if that inflexibility results in costing you lots of money. Take a couple minutes and compare prices to find cheaper insurance for a Dodge Journey.

Who has the cheapest Dodge Journey insurance quotes?

Thanks to technology, there are a lot of ways to shop around for insurance in Mississippi, but the most preferred are through a captive (or exclusive) agency such as State Farm or Allstate, an independent or non-exclusive agent, or from a direct company like Progressive or Geico. Each way is similar, but they differ slightly in how they price policies.

Independent insurance agents write for multiple companies and can quote your policy with every one. They can sell policies from many different companies and can give you more rate choices, which may provide you with the best shot at cutting your rates. If you are not satisfied with one company, your agent can switch companies and the insured can keep the same agent.

A captive, or exclusive, agent is only able to give prices for just one company, two examples being a Liberty Mutual or State Farm agent. Exclusive agents cannot provide rates from more than one company, so keep that in mind.

The final way is buying direct, which means you skip local insurance agents and instead buy buying direct from a company like Progressive or Esurance. This insurance option may be preferred by consumers who do not have a lot of assets and have knowledge of what coverage limits and deductibles they need.

Which method is best to find cheap insurance for a Dodge Journey in Mississippi? The quick answer would be buying direct results in the cheapest price since there is no middleman, but unfortunately, it’s not that cut and dried. An argument could also be made that an independent agent guarantees the cheapest rates due to more options, but again, it’s not a sure thing. And occasionally, exclusive agencies may have very competitive prices that are the cheapest in Mississippi.

Because of the variability of insurance rates, the best way to buy the cheapest coverage is to get quotes and compare the rates. We highly recommend getting price quotes all three ways to have the best selection of rates to choose from. For a list of companies offering online discounts in Mississippi, click here to view.