How Much Does Insurance Cost for a Dodge Journey in Idaho?

Whenever people write about car insurance, the words “cheap” or “affordable” really shouldn’t be used anywhere in the article as a descriptor for car insurance rates. The fact is, cheap car insurance for a Dodge Journey is almost non-existent. But don’t let us ruin your dream, because we can show you some ways you can still find and buy insurance that you can afford.

The chances of finding the best cheap insurance for a Dodge Journey in Idaho depends on a lot of things like the safety rating of your vehicle, if you have ever let your coverage lapse, and any prior driving offenses you have. Drivers in Idaho pay approximately $730 per year to insure a Journey, but that policy rate is a projection that uses a 40-year-old single male driver who needs full coverage including both comprehensive and collision and $500 physical damage deductibles.

There is a high probability that you aren’t exactly 40 years old or even a male, you might be married instead of single, or you just want cheap liability insurance instead of full coverage. Car insurance rates are unique for each driver, so the best way to quote cheap car insurance rates for your Dodge is to compare rates from as many companies as possible.

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The trim level of your vehicle has an effect on the coverage cost, so the price you pay to insure a Journey SE 2WD will be $120 less than the cost to insure the more well-appointed Journey SXT Crew AWD trim level, as shown in the table below.

Data based on single male driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Idaho minimum liability limits. Discounts applied include multi-vehicle, claim-free, homeowner, multi-policy, and safe-driver. Rate quotes do not factor in your specific Idaho location which can revise rates substantially.

Finding decent, low-cost insurance is not easy, and figuring out which companies have the cheapest car insurance rates for a Dodge Journey will involve even more perseverance.

Each auto insurer has a different process to determine rates, so let’s rank the overall cheapest car insurance companies in Idaho. It’s a good idea to know that Idaho car insurance rates are impacted by many factors which can substantially change the cost of a policy. Price variation is why consumers need to compare as many rates as possible to find the cheapest auto insurance quotes for a Dodge Journey. Insurance rates are influenced by many factors and can change substantially, so the cheapest company a year ago may now not even be in the top five.

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American National has some of the most affordable car insurance rates in Idaho at around $240 annually. USAA, Farm Bureau of ID Group, Oregon Mutual, and Travelers also qualify as some of the cheapest Idaho auto insurance companies.

As the example above demonstrates, if you currently have a policy with Farm Bureau of ID Group and switched to American National, you might achieve annual savings of roughly $304. Idaho drivers with Oregon Mutual might save as much as $432 a year, and Travelers insureds might cut rates by $439 a year.

Be aware that those estimates are averaged for all types of drivers and the different vehicles they drive and are not factoring in a specific rating modification for a Dodge Journey. So the car insurance company that is most affordable for your situation may not even be featured in the rate chart shown above. That’s why you need to get auto insurance quotes using your own driver information and specific vehicle type.

Do you need full coverage?

Finding cheap insurance for a Dodge Journey in Idaho is important to the majority of people, and one of the easiest ways to find cheap insurance is to not buy full coverage. The chart below visualizes the comparison of car insurance costs with full physical damage coverage compared to only buying the minimum liability limits required in Idaho. The premium estimates are based on no accidents or driving violations, $250 deductibles, marital status is single, and no discounts are applied to the premium.

If we average the cost for ages 20 through 70, full coverage on your policy costs an extra $1,477 per year more than just buying liability only. Many of you may wonder when is it safe to stop buying full coverage. There is no exact formula of when to stop paying for full coverage, but there is a guideline you can consider. If the annual cost of coverage is more than about 10% of the vehicle’s replacement cost less your deductible, then it could be time to drop full coverage.

The illustration below highlights how deductible choice can influence yearly insurance costs when searching for cheap insurance for a Dodge Journey. The data is based on a single female driver, full coverage, and no policy discounts are applied.

In the chart above, a 40-year-old driver could cut expenses by $232 a year by switching their comprehensive and collision coverages from a $100 deductible up to a $500 deductible, or save $352 by switching to a $1,000 deductible. Even younger insureds, like the 20-year-old, can cut up to $586 or even more by using higher deductibles when buying full coverage.

When insureds make the decision to increase the deductibles on their policy, it is important to have enough spare savings to pay the extra out-of-pocket expense, which is the one inconvenience of using high deductibles.

How to find the cheapest insurance for a Dodge Journey

Lowering your rates is not difficult, and here are some money-saving suggestions that can help you locate cheaper auto insurance.

• Bundle car and home insurance and save money
• Improve your credit
• Drop full coverage on older vehicles
• Choose a safer vehicle and pay lower rates
• Avoid preventable accidents
• Compare prices frequently to find the best deal

That final tip is very vital, as was noted in this write-up. Prices in Idaho vary greatly, so drivers shouldn’t hesitate to buy from a different company if a better rate can be found.

Having brand loyalty is commendable, but it isn’t a good idea if that dedication is costing hundreds of dollars year after year. In just a few minutes you could shop around to find cheaper insurance for a Dodge Journey.