Affordable Dodge Journey Insurance in Virginia Beach

Everyone knows that auto insurance companies want to keep you from shopping around. Drivers who shop around will, in all likelihood, buy a new policy because there is a great chance of finding a more affordable policy premium. A study showed that people who compared prices regularly saved an average of $72 a month compared to people who never shopped around for better prices.

If saving the most money on insurance is your ultimate objective, learning how to quote prices and compare car insurance can make it easier to shop your coverage around.

Insurance quote for Dodge Journey in Virginia BeachIf your goal is the lowest price, then the best way to get cheaper car insurance rates is to begin comparing prices regularly from different companies who provide auto insurance in Virginia Beach. Rates can be compared by following these guidelines.

One important bit of advice is to try to compare similar deductibles and liability limits on each quote and and to get price estimates from as many companies as possible. This provides a level playing field and the best rate selection.

If you have coverage now or are just looking to switch companies, you can follow these tips to save money without having to cut coverage. Buying affordable insurance in Virginia Beach can initially seem challenging. You only need an understanding of the most efficient way to compare rate quotes instantly.

Insurance Price Influencing Factors

Part of the insurance buying process is learning some of the elements that go into determining the rates you pay for insurance. If you know what influences your rates, this empowers consumers to make smart changes that may reward you with lower insurance prices.

Rates and other information

The data table displayed next covers estimates of insurance premium costs for Dodge Journey models. Learning as much as possible about how policy rates are formulated can aid in making smart choices when selecting a coverage provider.

Dodge Journey Insurance Rates in Virginia Beach, VA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Journey SE 2WD $118 $196 $334 $20 $100 $768 $64
Journey SXT 2WD $118 $238 $334 $20 $100 $810 $68
Journey R/T 2WD $134 $238 $334 $20 $100 $826 $69
Journey SXT Crew 2WD $134 $238 $334 $20 $100 $826 $69
Journey SXT AWD $134 $238 $334 $20 $100 $826 $69
Journey R/T AWD $134 $280 $334 $20 $100 $868 $72
Journey SXT Crew AWD $134 $280 $334 $20 $100 $868 $72
Get Your Own Custom Quote Go

Data based on single female driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and Virginia minimum liability limits. Discounts applied include safe-driver, multi-policy, claim-free, multi-vehicle, and homeowner. Information does not factor in zip code location which can raise or lower price quotes significantly.

The information below shows how choosing a deductible and can increase or decrease Dodge Journey yearly insurance costs for different insured age categories. The premiums are based on a married female driver, full physical damage coverage, and no discounts are factored in.

How violations and accidents impact rates

The chart below illustrates how violations and at-fault claims can affect Dodge Journey annual premium costs for different ages of insureds. The data assumes a single male driver, comprehensive and collision coverage, $500 deductibles, and no discounts are applied.

Do you need full coverage?

The illustration below illustrates the difference between Dodge Journey annual premium costs with full physical damage coverage compared to only buying liability only. The prices are based on no accidents or driving violations, $1,000 deductibles, single status, and no other discounts are factored in.

When to stop buying comprehensive and collision coverage

There is no clear-cut formula for excluding full coverage, but there is a general guideline. If the annual cost of coverage is more than 10% of the settlement you would receive from your company, then you may want to consider only buying liability coverage.

For example, let’s pretend your Dodge Journey replacement value is $9,000 and you have $1,000 physical damage deductibles. If your vehicle is destroyed, the most you would receive is $8,000 after the deductible is paid. If it’s costing you more than $800 a year for physical damage coverage, then you might want to think about dropping full coverage.

There are some circumstances where eliminating full coverage is not recommended. If you haven’t paid off your loan, you have to maintain full coverage in order to keep the loan. Also, if you cannot afford to purchase a different vehicle if your current one is in an accident, you should not consider dropping full coverage.

Score discounts on Virginia Beach car insurance

Not too many consumers would say car insurance is affordable, but discounts can save money and there are some available that can help lower your rates. Some discounts apply automatically at the time of quoting, but some must be manually applied before being credited.Discount car insurance

As a disclaimer on discounts, most credits do not apply to the entire policy premium. A few only apply to the price of certain insurance coverages like comp or med pay. So even though you would think having all the discounts means you get insurance for free, companies don’t profit that way.

The example below visualizes the comparison of Dodge Journey annual premium costs with and without discounts being applied to the rates. Data assumes a female driver, no claims or driving citations, Virginia state minimum liability limits, full coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-car, homeowner, marriage, safe-driver, claim-free, and multi-policy discounts applied.

Some of the larger companies who may offer most of the discounts above include:

When quoting, ask each insurance company which credits you are entitled to. Some credits might not be offered on policies in every state. To see providers that offer the discounts shown above in Virginia Beach, click here to view.

One last thing to lower rates

Drivers who switch companies do it for any number of reasons including extreme rates for teen drivers, being labeled a high risk driver, policy cancellation or an unsatisfactory settlement offer. It doesn’t matter what your reason, switching car insurance companies is not as hard as you think.

Lower-priced Dodge Journey insurance in Virginia Beach is attainable both online and with local Virginia Beach insurance agents, so you should compare both in order to have the best price selection to choose from. Some companies do not offer the ability to get a quote online and most of the time these small, regional companies prefer to sell through independent insurance agencies.

In this article, we presented some good ideas how to find affordable Dodge Journey insurance in Virginia Beach. The most important thing to understand is the more providers you compare, the higher your chance of finding low cost Virginia Beach auto insurance quotes. You may even find the lowest rates come from the least-expected company.

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