Best Dodge Journey Insurance in Birmingham

How many times have you told yourself to find cheaper Dodge Journey insurance in Birmingham? Trying to find more affordable Dodge Journey insurance in Birmingham is always nearly impossible for beginners to quoting coverage prices online. With so many insurance agents and companies in the marketplace, it can easily become more work than you anticipated to find cheaper prices in Alabama.

Discount Dodge Journey insuranceInconceivable but true, the vast majority of car insurance customers renewed their policy with the same company for more than four years, and almost half have never even shopped around for cheap coverage. Many drivers in Birmingham could save an average of as much as 40% each year by just comparing rate quotes, but they don't know the amount of savings they would get if they changed companies.

Companies offering Dodge Journey insurance in Alabama

The companies in the list below are ready to provide price quotes in Birmingham, AL. If multiple providers are shown, we suggest you visit several of them in order to get a fair rate comparison.

Dodge Journey Insurance Estimates in Birmingham, AL
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Journey SE 2WD $250 $422 $354 $20 $106 $1,152 $96
Journey SXT 2WD $224 $430 $354 $20 $106 $1,134 $95
Journey R/T 2WD $186 $302 $324 $20 $96 $928 $77
Journey SXT Crew 2WD $282 $514 $354 $20 $106 $1,276 $106
Journey SXT AWD $252 $436 $318 $18 $94 $1,118 $93
Journey R/T AWD $282 $636 $382 $22 $114 $1,436 $120
Journey SXT Crew AWD $328 $618 $338 $20 $100 $1,404 $117
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Price data assumes married male driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and Alabama minimum liability limits. Discounts applied include safe-driver, multi-vehicle, multi-policy, claim-free, and homeowner. Table data does not factor in garaging location in Birmingham which can influence insurance rates significantly.

Policy deductible comparison

A question often asked by Birmingham drivers is which comprehensive and collision deductibles to buy. The rates shown below may aid in understanding the cost difference when you choose different policy deductibles. The first price estimate table uses a $250 comprehensive and collision deductible and the second rate chart uses a $1,000 deductible.

Dodge Journey insurance rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Journey SE 2WD $260 $360 $338 $20 $100 $1,103 $92
Journey SXT 2WD $260 $440 $338 $20 $100 $1,183 $99
Journey R/T 2WD $294 $440 $338 $20 $100 $1,217 $101
Journey SXT Crew 2WD $294 $440 $338 $20 $100 $1,217 $101
Journey SXT AWD $294 $440 $338 $20 $100 $1,217 $101
Journey R/T AWD $294 $518 $338 $20 $100 $1,295 $108
Journey SXT Crew AWD $294 $518 $338 $20 $100 $1,295 $108
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Dodge Journey insurance rates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Journey SE 2WD $160 $228 $338 $20 $100 $846 $71
Journey SXT 2WD $160 $276 $338 $20 $100 $894 $75
Journey R/T 2WD $182 $276 $338 $20 $100 $916 $76
Journey SXT Crew 2WD $182 $276 $338 $20 $100 $916 $76
Journey SXT AWD $182 $276 $338 $20 $100 $916 $76
Journey R/T AWD $182 $326 $338 $20 $100 $966 $81
Journey SXT Crew AWD $182 $326 $338 $20 $100 $966 $81
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Premium data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Alabama minimum liability limits. Discounts applied include multi-policy, claim-free, safe-driver, multi-vehicle, and homeowner. Estimates do not factor in vehicle location which can alter insurance rates significantly.

Based on the above data, using a $250 deductible will cost you roughly $24 more each month or $288 every year than quoting the higher $1,000 deductible. Since the policyholder would be required to pay $750 more if you turn in a claim with a $1,000 deductible as compared to a $250 deductible, if you tend to have at a minimum 31 months between claims, you would save more money by going with a higher deductible. The table below illustrates how you can make your own decision.

Average monthly premium for $250 deductibles: $101
Average monthly premium for $1,000 deductibles (subtract): - $77
Monthly savings from raising deductible: $24
Difference between deductibles ($1,000 - $250): $750
Divide difference by monthly savings: $750 / $24
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 31 months

One important note is that increasing deductibles to save money results in having to pay to pay more out-of-pocket when you have a claim. That will require enough extra money in order to pay the deductible for vehicle repair.

Full coverage versus liability-only

The diagram below visualizes the comparison of Dodge Journey insurance prices with and without physical damage coverage. The costs are based on no accidents, no driving violations, $250 deductibles, married male driver, and no additional discounts are factored in.

When to stop paying for full coverage

There is no written rule for dropping comprehensive and collision coverage on your policy, but there is a broad guideline. If the annual cost of your full coverage insurance is more than around 10% of the settlement you would receive from your company, then you might want to consider buying only liability coverage.

For example, let's assume your Dodge Journey claim settlement value is $8,000 and you have $1,000 deductibles. If your vehicle is damaged in an accident, the most you would get paid by your company is $7,000 after the policy deductible has been paid. If you are currently paying more than $700 annually for your policy with full coverage, then you might want to consider buying only liability coverage.

There are a few cases where removing full coverage is not in your best interest. If you still owe money on your vehicle, you are required to maintain full coverage as part of the loan requirements. Also, if you don't have enough money to buy a different vehicle if your current one is totaled, you should not buy liability only.

Car insurance rates based on gender

The diagram below illustrates the comparison of Dodge Journey annual premium costs for male and female drivers. The premiums are based on a clean driving record, no claims, comp and collision included, $100 deductibles, drivers are not married, and no policy discounts are applied.

Find Dodge Journey Insurance at a Discount

Lots of factors are part of the equation when you quote your car insurance policy. Most are fairly basic like your driving record, but other factors are not quite as obvious such as whether you are married or your commute time.

Multi-policy discounts can save money - The majority of companies will award lower prices to clients who have multiple policies with them such as combining an auto and homeowners policy. If you currently are using one company, you still need to comparison shop to make sure you are getting the best deal. It's possible to still save even more than the discount even if you have your coverage with different companies

High performance equals high rates - The type of car you are trying to find cheaper insurance for makes a big difference in your rates. Due to the fact that the Dodge Journey falls in the passenger car class, insuring your vehicle will cost similar in price or lower when compared to the average rates in Birmingham. Lower cost passenger models usually have the lowest premiums, but many other things help determine your insurance rates.

Vehicle options can affect insurance rates - Choosing to buy a car with an alarm system can help lower your rates. Systems that thwart thieves such as LoJack tracking devices, vehicle tamper alarm systems or GM's OnStar system can thwart car theft and help bring rates down.

Where you live - Having an address in areas with lower population is a positive aspect when insuring your vehicles. Residents of big cities regularly have traffic congestion and higher rates of accident claims. Fewer drivers and short commutes translates into fewer accidents in addition to fewer liability claims.

Always keep your insurance in place - Driving your car without having proper coverage is a misdemeanor and your next policy will cost more because you let your coverage cancel without a new policy in place. And not only will your rates increase, the inability to provide proof of insurance could earn you a revoked license or a big fine.

Liability limits on your policy - Your policy's liability coverage will provide protection when a court rules you are at fault for damages from an accident. It will provide legal defense to attempt to prove you were not liable. It is affordable coverage compared to insuring for physical damage coverage, so buy as much as you can afford.

How do annual miles impact premiums? - The more you drive in a year the higher your rates will be. Most insurance companies rate vehicles partially by how you use the vehicle. Autos that sit idle most of the time qualify for better rates as compared to vehicles used primarily for driving to work. Improper usage on your Journey may be costing you. It's a good idea to make sure your declarations sheet states the right rating data.

Your credit rating is important - A driver's credit score will be a significant factor in determining what you pay. Insureds that have good credit tend to file fewer claims than drivers who have worse credit. If your credit history can use some improvement, you could be paying less to insure your Dodge Journey by improving your rating.

Dodge Journey historical loss data - Car insurance companies analyze past claim statistics when they set coverage costs for each model. Models that are shown to have higher claim amounts or frequency will have higher rates for specific coverages. The next table shows the historical loss data for Dodge Journey vehicles.

For each policy coverage type, the claim amount for all vehicles, regardless of make or model, is a value of 100. Values that are under 100 imply a favorable loss record, while numbers shown that are more than 100 indicate higher probability of having a loss or statistically larger losses.

Dodge Journey Insurance Loss Statistics

Specific Dodge Model Collision Property Damage Comp Personal Injury Medical Payment Bodily Injury
Dodge Journey 4dr 2WD 80 92 80 148 163 131
Dodge Journey 4dr 4WD 96 116 71 96

Empty fields indicate not enough data collected
Statistics from for 2013-2015 Model Years

Do you qualify for discounts?

Car insurance is not cheap, but there's a good chance there are discounts that you may not know about. Certain credits will be shown when you get a quote, but a few must be inquired about before being credited.Insurance discounts

It's important to note that many deductions do not apply to the overall cost of the policy. The majority will only reduce specific coverage prices like comp or med pay. Even though the math looks like all those discounts means the company will pay you, you aren't that lucky.

For a list of companies who offer free Dodge Journey insurance quotes in Birmingham, click here to view.

Auto insurance agents can help

Many drivers still like to talk to an insurance agent and often times that is recommended An additional benefit of comparing insurance online is that you can obtain cheap rate quotes and also buy local. Buying insurance from neighborhood insurance agencies is still important in Birmingham.

Insurance agents in BirminghamBy using this form (opens in new window), your information is immediately sent to local insurance agents in Birmingham who will give competitive quotes for your insurance coverage. There is no need to even leave your home because quoted prices will be sent straight to your inbox. You'll get the best rates AND an agent nearby. If you need to compare prices from a particular provider, feel free to search and find their rate quote page and complete a quote there.

Picking an company requires you to look at more than just the premium amount. The answers to these questions are important, too.

Frequent quotes can save

Consumers who switch companies do it for a variety of reasons including not issuing a premium refund, policy non-renewal, questionable increases in premium and extreme rates for teen drivers. Whatever your reason, finding a new company is not as difficult as it may seem.

While you're price shopping online, you should never skimp on coverage in order to save money. Too many times, an accident victim reduced physical damage coverage only to discover later that it was a big error on their part. Your goal should be to purchase a proper amount of coverage at the best cost, not the least amount of coverage.

Budget-friendly car insurance in Birmingham is available both online as well as from insurance agents, so you should compare both in order to have the best chance of saving money. Some companies may not provide rate quotes online and these smaller companies sell through independent insurance agencies.

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