Best Cheap Insurance Quotes for a Dodge Journey in West Virginia

The chances of buying cheap insurance for a Dodge Journey in West Virginia depends on a complex equation that considers factors like if you are single or married, if you have a lapse in coverage, and any prior driving citations you have received. West Virginia drivers on average pay approximately $1,090 per year to buy Dodge Journey insurance, but that is a ballpark figure calculated using a 50-year-old married male that purchased full coverage including both comprehensive and collision and $100 deductibles.

Chances are good that you are not exactly 50 years old and possibly not even male, single instead of married, or maybe your West Virginia zip code is rated cheaper than the example. Just a very minor change in rating criteria can make a big difference in the policy cost.

Car insurance coverage is unique to each driver, so this is why the best way to quote affordable rates for your Dodge is to just take the time to compare rates yourself.

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Your vehicle’s trim level will be a contributing factor to the insurance rate, so the cost to insure a Journey SE 2WD will cost $206 less than the insurance cost for the higher-end Journey SXT Crew AWD version, as shown by the rates below.

Cost estimates assume married male driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and West Virginia minimum liability limits. Discounts applied include claim-free, safe-driver, homeowner, multi-vehicle, and multi-policy. Estimates do not factor in the specific area where the vehicle is garaged which can influence auto insurance rates significantly.

Finding reliable, cost effective car insurance is not always easy, and deciding which companies offer the lowest-priced car insurance rates for a Dodge Journey calls for even more diligence. Each company has a proprietary formula for filing rates in each state, so let’s begin by taking a look at the lowest cost car insurance companies in West Virginia.

It’s important to know that West Virginia car insurance rates are calculated based on many things that control the policy price. Improving your credit score, increasing deductibles, or getting into an accident can produce rate changes that can cause some rates to be higher when they were quite affordable.

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Erie has some of the cheapest car insurance rates in West Virginia at around $913 annually. The Hartford, State Auto, Westfield, and USAA also rank well as some of the best West Virginia insurance companies.

As depicted above, if you are a policyholder with State Auto and switched to Erie, you could see an annual savings of roughly $316. West Virginia drivers with Westfield may save as much as $362 a year, and USAA policyholders might realize rate reductions of up to $400 a year.

It’s important to note that these policy prices are averaged for all types of drivers and the different vehicles they drive and do not take into consideration a specific rate value for a Dodge Journey. So the company that fits your age and vehicle best may not even be featured in the rate chart shown above. That helps illustrate why you need to compare rates from multiple companies using your own driver information and specific vehicle type.

Types of discounts on West Virginia insurance

Auto insurance companies that sell the best cheap insurance for a Dodge Journey in West Virginia may also give you discounts that can reduce rates by as much as 35% if you meet the requirements. A list of companies and a partial list of their discounts can be read below.

The chart below visualizes the comparison of insurance costs with and without discounts applied to the policy rates. The data is based on a male driver, no claims or violations, West Virginia state minimum liability limits, comp and collision included, and $250 deductibles. The first bar for each age group shows insurance cost with no discounts. The lower bar shows the rates with anti-theft, claim-free, passive restraint, multiple policy, vehicle safety, and safe-driver discounts applied. When these discounts are applied, the the amount saved on car insurance for a Dodge Journey is % or $.

Full coverage rates vs. liability-only

Finding the best cheap insurance for a Dodge Journey in West Virginia should be important to the majority of people, and one way to find cheaper insurance is to only buy liability insurance. The example below shows the comparison of insurance prices with full physical damage coverage compared to only buying liability only. The price estimates are based on no violations or accidents, $500 deductibles, single status, and no policy discounts are applied.

Averaged for all ages 20 through 70, physical damage coverage costs $2,084 per year more than buying just liability insurance. A very common question is if you should buy full coverage at all. There is no set rule that works best for making the decision to drop physical damage insurance, but there is a general guideline. If the annual cost of comprehensive and collision coverage is more than 10% of the replacement cost of your vehicle minus the policy deductible, then you may need to consider dropping full coverage.

For example, let’s say your vehicle’s settlement value is $11,500 and you have $1,000 full coverage deductibles. If your vehicle is destroyed, the most you would get paid by your company is $10,500 after paying your policy deductible. If it’s costing you more than $1,050 annually to have full coverage, then you might want to consider buying only liability coverage.

There are a few situations where only buying liability is not advised. If you haven’t satisfied your loan, you have to carry full coverage in order to prevent your loan from defaulting. Also, if your savings is not enough to buy a different vehicle if your current one is in an accident, you should not eliminate full coverage.

How to find the best cheap insurance for a Dodge Journey in West Virginia

It’s not impossible to find cheaper rates, and here are some of the better penny-pinching suggestions that can help West Virginia drivers locate low-cost car insurance.

• Remove physical damage coverage on older vehicles
• Vehicles with safetly features generally cost less to insure
• Buy your homeowners policy from the same company as your auto insurance
• Just one traffic violation will increase your rates
• Frequent claims will increase rates
• Maintain a safe distance and avoid accidents
• Shop around once a year for cheaper rates

That last tip is especially vital, as we noted in the prior information. Auto insurance rates adjust frequently, so don’t hesitate to buy a different policy if you can save money.

Brand loyalty is not necessarily bad, but is isn’t recommended if that loyalty results in overpaying major coinage every year. It only takes a couple minutes to compare prices to find cheaper car insurance for a Dodge Journey.