Cheap Insurance for a Dodge Journey in Alaska

Buying cheaper car insurance for a Dodge Journey in Alaska depends on a lot of factors such as if you own the home you live in, your current insurance company, and if your driving record is clean. Alaska drivers pay on average $660 annually to insure their Journey, but that price is an estimate based upon a 50-year-old married male driver who requires full coverage and $500 physical damage deductibles.

This brings up the issue that more than likely you are not a 50-year-old male, possibly single instead of married, or maybe your Journey is old enough that it doesn’t require full coverage. Even a slight change in the criteria used to calculate rates can make a huge difference in rates.

There is no one cookie-cutter policy that works for everyone, so the best way to find cheap insurance prices for your Dodge is to put in the effort and compare rates. Quotes are free and you will receive rate quotes from the best auto insurance companies available.

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Your Dodge’s trim level will have an impact the yearly cost, so the price you will pay to insure a Journey SE 2WD model will be $102 cheaper than the cost to insure the higher-priced Journey SXT Crew AWD model, as shown in the chart below.

Price data assumes married male driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Alaska minimum liability limits. Discounts applied include multi-vehicle, homeowner, multi-policy, safe-driver, and claim-free. Prices do not factor in zip code location which can influence premiums noticeably.

Alaska car insurance companies ranked

Picking the right auto insurance provider can be difficult considering how many different companies sell coverage in Alaska. The ranking information below could help you choose which auto insurers to look at putting your business with.

The rankings below are only comprised of the largest companies in America, so smaller regional companies will not be included in these rankings. To compare prices from these and other companies in Alaska, follow this link.

The chart below demonstrates how deductible levels can raise or lower insurance premiums when trying to find cheap insurance for a Dodge Journey. The price estimates are based on a single female driver, comprehensive and collision coverage, and no additional discounts are factored in.

The chart above illustrates that a 30-year-old driver could lower rates by $344 a year by switching the physical damage coverage from a $100 deductible up to a $500 deductible, or save $520 by changing to a $1,000 deductible. Even younger insureds, like the 20-year-old category, could reduce their rates up to $768 annually just by choosing higher deductibles when buying full coverage. If you do decide to increase your deductibles, it will now be necessary to have enough spare savings to be able to cover the extra out-of-pocket expense, which is the one shortcoming of high deductibles.

Last year’s bargain might be this year’s rip off

Alaska car insurance rates are impacted by many factors that control the policy premium. Getting older, moving to a different location, or getting caught speeding can trigger changes in premium resulting in some companies being cheaper than others. Not only that, but insurers change premium rates every year or even multiple times each year to ensure their profitability. An extended period of higher than normal claims can result in rate increases, while lower claim expenses may produce cheaper Journey insurance rates.

To help illustrate this point, the data below shows the cheapest car insurance in Alaska for a 30-year-old male driver with no accidents, a clean driving record, and good credit. Based on his current situation, Umialik might quote the most affordable car insurance rates in Alaska at $892 per year. This is $651 less than the average policy premium paid by Alaska drivers of $1,543. State Farm, USAA, Progressive, and GEICO also make the list of the most affordable Alaska auto insurance companies.

In this example, we will give the driver in the first example a chargeable accident, a lower credit score, and a few blemishes on his driving record. Since each insurance company has their own unique process for determing rates in each state, comparing prices may now show a slightly different list of the cheapest car insurance companies in Alaska as shown below.

State Farm now has the cheapest auto insurance in Alaska with USAA, Umialik, Progressive, and Safeco also being competitive. This illustrates why consumers need to take the time to shop around when trying to get the most budget-friendly auto insurance quotes for a Dodge Journey. Car insurance prices are determined by many different factors and change dramatically, so the most economical option three years ago may now not even be in the top five.

Find cheap insurance for a Dodge Journey in Alaska

The list below summarizes some of the recommended penny-pinching suggestions that can help Alaska drivers buy the cheapest car insurance.

• Just one traffic violation will increase your rates
• Pay for small claims rather than turning them in to your insurance company
• Accidents can significantly increase rates
• Assess whether full coverage is needed
• Higher comprehensive and collision coverage deductibles will save money
• Shop around for lower rates once a year

The last item on the list is very vital, as was discussed in this write-up. Prices in Alaska can change significantly in a year, so don’t be unwilling to switch companies if you can save money. We understand brand loyalty, but it’s not a great idea if that faithfulness ends up costing you lots of money. If you have a few minutes, now is a great time to shop around and find cheaper car insurance for a Dodge Journey.

Cheap Dodge Journey insurance quotes

Thanks to the internet, there are a lot of ways to find cheaper car insurance in Alaska, but the most preferred are through an exclusive insurance agent like Liberty Mutual or State Farm, an independent agent, or from a direct company like Progressive or Geico. They all have the same end result, but they are slightly different in how they price policies.

Independent insurance agencies write for multiple companies and can do rate comparisons with every one. These agents will quote rates with many companies, which can help you get improved chances of finding a lower rate. If a cheaper price is found, an independent agent can move your coverage and you can keep the same agent.

A captive or exclusive agent is able to place business with just one company, examples being a State Farm or Farmers agent. Exclusive agents are unable to quote prices from more than a single company, so you will not be able to compare multiple prices.

The third popular method of shopping for car insurance is direct, which means you do not use local insurance agents and instead shop direct either online or via phone. Buying car insurance direct can be a good choice for consumers who have limited assets and have a good understanding of how car insurance works.

Which way works best to find cheap insurance for a Dodge Journey in Alaska? The majority of people assume that buying direct results in the best prices since it doesn’t require paying agent commissions, but in reality, that is not the case. An argument could also be made that going through an independent agent results in the best rates due to having more companies to select from, but again, it’s not a sure thing. For some people, exclusive agents have coverage prices that other car insurance companies cannot touch.

Because there are so many factors that make up car insurance rates, really the only way to ensure the lowest rates is to compare, compare, and compare some more. Take some time and get price quotes all three ways in order to have the best selection to choose from. For a list of companies offering online discounts, click here to view.