Finding affordable insurance for a Dodge Journey is dependent upon a large number of rating criteria such as the safety rating of your vehicle, if you have prior claims, and your driving record. Ohio drivers will pay on average $721 each year for Journey insurance, but that is a valuation calculated based on a 50-year-old single male driver with full coverage and $250 deductibles.
When estimating a car insurance rate like we just did, the issue is that you are not 50 and maybe not even a male, married instead of single, or maybe you just want liability only. Even a slight change in the rating criteria used to formulate rates can result in a large change in the cost of a policy.
Each driver’s needs are different, and that demonstrates why the best way to find cheap car insurance rates for your Dodge is to compare as many rates as you can.
Your vehicle’s trim level tends to have a direct effect on price, so the cost to insure a Journey SE 2WD will be $128 lower than the price to insure the more well-appointed Journey SXT Crew AWD version, as shown in the prices below.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Journey SE 2WD||$150||$250||$256||$16||$76||$748||$62|
|Journey SXT 2WD||$150||$304||$256||$16||$76||$802||$67|
|Journey R/T 2WD||$170||$304||$256||$16||$76||$822||$69|
|Journey SXT Crew 2WD||$170||$304||$256||$16||$76||$822||$69|
|Journey SXT AWD||$170||$304||$256||$16||$76||$822||$69|
|Journey R/T AWD||$170||$358||$256||$16||$76||$876||$73|
|Journey SXT Crew AWD||$170||$358||$256||$16||$76||$876||$73|
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Prices above based on single male driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and Ohio minimum liability limits. Discounts applied include multi-vehicle, multi-policy, safe-driver, homeowner, and claim-free. Rate information does not factor in garaging location in Cleveland which can impact coverage rates significantly.
Deciding which company quotes the lowest-priced insurance rates for a Dodge Journey will involve more time than just comparing a company or two. Every insurance provider has a proprietary formula to determine rates, so we need to take a look at the insurance companies with the overall best prices in Cleveland, OH.
Best Insurance Companies for Your Dodge
|Rank||Company||Cost Per Year|
|8||Merchants Insurance Group||$771|
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Utica National offers some of the lowest car insurance rates in Cleveland at around $654 each year. This is $386 less than the average policy premium paid by Ohio drivers of $1,040. Erie, Allied, Frankenmuth, and Travelers also are some of the most economical Cleveland, OH insurance companies.
As depicted above, if you currently have coverage with Frankenmuth and switched to Utica National, you might see savings of in the neighborhood of $47. Drivers with Travelers could save as much as $51 a year, and USAA customers might lower prices by $79 a year.
Understand that those premium estimates are averages for all types of drivers and the different vehicles they drive and do not factor in an exact location for a Dodge Journey. So the auto insurance company that fits you best may not even be in the top 33 companies in the list above. That illustrates why you need to compare as many prices as possible using your own personalized driver profile and vehicle information.
Does full coverage make sense?
Lowering the price of insurance is probably important to the majority of drivers, and one of the easiest ways to find cheaper insurance for a Dodge Journey is to not pay for full coverage. The illustration below shows the comparison of auto insurance rates with full physical damage coverage compared to only buying the minimum liability limits required in Ohio. The information is based on no violations or accidents, $1,000 deductibles, single status, and no discounts are applied.
If we average the cost for all age groups, full coverage costs an additional $1,136 per year over having just liability coverage. That is a large expense which might make you wonder if paying for full coverage is worth it. There isn’t a written rule to stop paying for comprehensive and collision coverage on your policy, but there is a general school of thought. If the yearly cost of comp and collision coverage is 10% or more of the replacement cost of your vehicle minus the policy deductible, then it might be time to consider dropping full coverage.
The illustration below demonstrates how choosing different deductibles can influence yearly insurance costs when quoting cheap insurance for a Dodge Journey. The data is based on a married male driver, full physical damage coverage, and no discounts are applied to the premium.
As shown above, a 40-year-old driver could cut expenses by $166 a year by changing their physical damage coverage from a $100 deductible to a $500 deductible, or save $252 by switching to a $1,000 deductible. Even younger drivers, such as the 20-year-old example, could lower their rates $546 each year by using higher deductibles when buying full coverage. When raising deductibles, it is necessary to have plenty of discretionary funds to allow you to pay the extra out-of-pocket expense that deters many people from opting for higher deductibles.
Compare rates to save
Ohio insurance rates are based on many factors that can increase the cost of your policy. Simply improving your credit, marrying your spouse, or getting a reckless driving citation may prompt premium changes resulting in some rates now being more affordable than others.
Additionally, car insurance companies amend premium rates as often as every three months in order to maintain liquidity for claims. Higher than normal claim frequency or severity may cause rate increases, while less frequent claims can cause more affordable Journey insurance rates.
As an example, the bar chart below shows which company has the cheapest car insurance in Cleveland, OH for a 30-year-old male driver with no violations or accidents, and great credit. Based on his current risk factors, Utica National may have the lowest car insurance rates in Cleveland at $817 a year. This is $223 less than the average policy premium paid by Ohio drivers of $1,040. Erie, Allied, Travelers, and Frankenmuth are the rest of the top five cheapest Cleveland, OH auto insurance companies.
In the next rate comparison, we’ll give the driver in the first chart a chargeable claim, less-than-perfect credit, and a stop sign violation. Since each insurance company uses their own calculation to determining premium rates, analyzing rates may now present a significantly different list of the cheapest Cleveland car insurance companies as shown below.
Cincinnati Insurance now has the lowest price in Cleveland, OH with Merchants Insurance Group, Motorists Mutual, Grange Mutual, and General Casualty completing the list. This example shows why it is critical to compare many different companies when trying to find the most budget-friendly auto insurance rates for a Dodge Journey.
Rates consist of many risk factors and can change without notice, so the best option the last time you shopped around may now be priced much higher than other options.
Tips to find low-cost auto insurance for a Dodge Journey
The list below summarizes a few thrifty ideas that can help drivers buy cheap car insurance.
- Do not get traffic citations
- Vehicles with good safety ratings are usually cheaper to insure
- Claim-free drivers earn discounts
- Do not get into accidents
- Buying home and auto together can help save money
- Keep rates low by shopping around frequently
The last tip is especially critical, as was stressed in the prior information. Coverage prices change a lot, so you should be ready to switch to a new company if a better deal can be had.
Many drivers prefer to stick with one company, but it’s not a good idea if it’s costing you a lot of money. It only take a few minutes to compare rates and find cheaper insurance for a Dodge Journey in Cleveland.
The agents listed below are a good start to provide answers to your questions and help you determine which policy fits your needs best, since many people would rather get some professional advice when shopping for the best coverage for a Journey. It can be time-consuming to find the best policy on your own, and getting advice from a licensed agent can give comfort knowing your policy gives you sufficient coverage for your assets.
To locate an agency close to where you live, click the link at the bottom.
Allstate Insurance: Nanci Cieckiewicz
4719 State Rd – Cleveland, OH 44109 – (216) 739-0990
Washington and Co Insurance Agency Inc
10535 St Clair Ave – Cleveland, OH 44108 – (216) 761-1500
1100 Superior Ave Suite 1345 – Cleveland, OH 44114 – (216) 367-8787
Furlong and Co Insurance Agency Inc
569 E 185th St – Cleveland, OH 44119 – (216) 486-4170