Auto Insurance Quotes for a Dodge Journey in Detroit

It’s easy to assume that insurance companies don’t want policyholders to shop around. Drivers who get comparison quotes once a year are very likely to buy a new policy because there is a high probability of finding a lower-cost company. A recent survey found that drivers who compared rates regularly saved approximately $3,450 over four years compared to policyholders who never shopped around for lower prices.

If saving the most money on Dodge Journey insurance in Detroit is your ultimate objective, understanding how to quote and compare car insurance can make shopping around easier.

The most effective way to find affordable quotes for auto insurance rates is to make a habit of comparing prices annually from insurers who sell auto insurance in Detroit. Price quotes can be compared by completing these steps.

Step 1: It will benefit you to learn about how auto insurance works and the changes you can make to prevent expensive coverage. Many things that are responsible for high rates such as at-fault accidents, speeding tickets, and a low credit rating can be eliminated by being financially responsible and driving safely.

Step 2: Request price quotes from direct carriers, independent agents, and exclusive agents. Exclusive and direct companies can provide rates from one company like Progressive or Allstate, while independent agents can provide prices from many different companies. Compare rates

Step 3: Compare the price quotes to your existing coverage and see if there is a cheaper rate. If you find better rates and decide to switch, make sure there is no lapse in coverage.

Step 4: Notify your agent or company of your decision to cancel your current policy and submit the signed application along with the required initial payment to your new insurance company. Once coverage is bound, place your new certificate verifying coverage along with your vehicle registration.

A valuable tip to remember is that you’ll want to compare similar coverage information on every quote and and to get quotes from as many auto insurance providers as possible. Doing this provides a fair rate comparison and the most accurate and complete price analysis.

Quoting and comparing the best auto insurance policy in Detroit is not as hard as you may think. In a nutshell, everyone who compares rates for auto insurance will probably get a lower-priced policy. But Michigan car owners need to have an understanding of the way insurance companies determine what you pay and apply this information to your search.

Just remember that making a lot of price comparisons will improve the odds of getting the best price.

The companies in the list below are ready to provide free rate quotes in Detroit, MI. If multiple companies are listed, we recommend you get rate quotes from several of them to get the lowest price.

Choosing the best Dodge vehicle insurance in Michigan is an important decision

Despite the high cost of buying insurance for a Dodge Journey in Detroit, buying auto insurance is not optional due to several reasons.

• The majority of states have minimum liability requirements which means you are required to buy a minimum amount of liability insurance coverage if you don’t want to risk a ticket. In Michigan these limits are 20/40/10 which means you must have $20,000 of bodily injury coverage per person, $40,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.
• If your vehicle has a loan, it’s most likely the lender will stipulate that you carry insurance to guarantee loan repayment. If coverage lapses or is canceled, the lender may have to buy a policy to insure your Dodge at an extremely high rate and make you pay for it.
• Insurance safeguards both your assets and your vehicle. It will also reimburse you for medical bills for yourself as well as anyone injured by you. Liability insurance, one of your policy coverages, also covers legal expenses if you are sued as the result of an accident. If you receive damage to your vehicle caused by a storm or accident, collision and comprehensive coverages will cover the repair costs.

The benefits of having auto insurance more than cancel out the cost, particularly for liability claims. According to a 2015 survey, the average American driver overpays as much as $810 a year so you should quote your policy with other companies each time the policy renews to ensure rates are competitive.

Rates and other information

The information shown below showcases estimates of insurance coverage prices for Dodge Journey models. Understanding more about how insurance quotes are formulated can be useful when making smart choices when purchasing an auto insurance policy.

Prices above based on single female driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and Michigan minimum liability limits. Discounts applied include homeowner, safe-driver, claim-free, multi-policy, and multi-vehicle. Price information does not factor in garaging location in Detroit which can change prices substantially.

Policy deductible comparison

One of the more difficult decisions when buying insurance is which deductibles should you choose. The comparison tables below may help to conceptualize the rate differences when you buy lower versus higher policy deductibles. The first rate table uses a $100 deductible for comp and collision and the second data table uses a $1,000 deductible.

Premium data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Michigan minimum liability limits. Discounts applied include safe-driver, homeowner, multi-vehicle, multi-policy, and claim-free. Prices do not factor in Detroit location which can alter coverage rates considerably.

Based on these figures, using a $100 deductible costs roughly $70 more each month or $840 a year across all Dodge Journey models than opting for the higher $1,000 deductible. Because you would be required to pay $900 more out-of-pocket with a $1,000 deductible as compared to a $100 deductible, if you normally go at a minimum 13 months between claims, you would come out ahead if you choose the higher deductible. The illustration below shows an example of how you can come to your own conclusion.

The illustration below illustrates how choosing a deductible and can affect Dodge Journey premium costs for different insured age categories. The price estimates are based on a married male driver, comp and collision included, and no discounts are applied.

Full coverage versus liability only rates

The chart below illustrates the comparison of Dodge Journey car insurance rates with and without full coverage. The rates are based on no driving violations, no at-fault accidents, $100 deductibles, single marital status, and no other discounts are factored in.

When to stop buying physical damage coverage

There is no set rule of when to phase out full coverage on your policy, but there is a general convention. If the annual cost of having full coverage is more than about 10% of the settlement you would receive from your company, then you might want to consider buying only liability coverage.

For example, let’s pretend your Dodge Journey book value is $7,000 and you have $1,000 policy deductibles. If your vehicle is totaled, the most your company will settle for is $6,000 after paying the physical damage deductible. If it’s costing in excess of $600 a year for physical damage coverage, then you might want to consider buying only liability coverage.

There are a few situations where dropping full coverage is not advised. If you still owe a portion of the original loan, you have to maintain full coverage in order to keep the loan. Also, if your finances do not allow you to purchase a different vehicle in the event your current vehicle is totaled, you should not buy liability only.

Car insurance policy discounts you can’t miss

Buying car insurance is not cheap, but you might already qualify for some discounts that can drop the cost substantially. A few discounts will automatically apply at quote time, but some may not be applied and must be requested specifically prior to getting the savings.

• Air Bags and Passive Restraints – Options like air bags or automatic seat belts could see savings of 20 to 30 percent.
• Discount for Swiching Early – A few companies give discounts for buying a policy prior to the expiration date on your current Journey insurance policy. This can save 10% or more.
• Student Discount for Driver Training – Make teen driver coverage more affordable by requiring them to successfully take a driver’s education course in high school.
• Own a Home – Owning your own home or condo may trigger a policy discount on car insurance because maintaining a house shows financial diligence.
• Driving Data Discount – Insureds who allow their car insurance company to monitor vehicle usage by using a small device installed in their vehicle such as Progressive’s Snapshot and State Farm’s In-Drive may get a rate reduction if they have good driving habits.
• Payment Method – By making one initial payment rather than spreading payments over time you can actually save on your bill.
• Multi-line Discount – Larger insurance carriers have a break if you buy some life insurance in addition to your auto policy.

Just know that many deductions do not apply to your bottom line cost. Most only reduce specific coverage prices like physical damage coverage or medical payments. If you do the math and it seems like it’s possible to get free car insurance, you aren’t that lucky. But all discounts will help reduce your overall premium however.

The example below compares Dodge Journey yearly insurance costs with and without discounts applied to the policy rates. The rates are based on a female driver, no tickets, no at-fault accidents, Michigan state minimum liability limits, comprehensive and collision coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with marriage, homeowner, multi-policy, claim-free, multi-car, and safe-driver discounts applied.

A few popular companies and a selection of discounts include:

• Progressive includes discounts for continuous coverage, good student, homeowner, multi-vehicle, and online signing.
• SAFECO offers discounts including multi-car, drive less, accident prevention training, homeowner, teen safety rewards, anti-lock brakes, and anti-theft.
• American Family offers discounts for air bags, good student, early bird, defensive driver, TimeAway discount, accident-free, and mySafetyValet.
• MetLife may offer discounts for claim-free, good driver, defensive driver, multi-policy, and accident-free.
• GEICO offers premium reductions for multi-policy, anti-lock brakes, daytime running lights, air bags, five-year accident-free, and good student.
• The Hartford discounts include bundle, vehicle fuel type, defensive driver, good student, air bag, and driver training.

Before you buy a policy, ask each company how you can save money. All car insurance discounts may not be available in Detroit.

Local Detroit insurance agencies and car insurance

Some consumers still like to visit with an insurance agent and that is not a bad decision One of the benefits of getting free rate quotes online is you can get cheap car insurance rates but still work with a licensed agent. Buying insurance from local insurance agents is still important in Detroit.

To help locate an agent, after submitting this short form, the quote information is transmitted to local insurance agents in Detroit that provide free Detroit car insurance quotes for your insurance coverage. It simplifies rate comparisons since you won’t have to drive around since rate quotes are delivered instantly to you. You’ll get the best rates without a big time investment. In the event you want to get a price quote for a specific company, you just need to navigate to their website and fill out the quote form the provide.

Below are agents in Detroit who can help you get price quotes for Dodge Journey insurance in Detroit.

View more Detroit agents

Picking a provider needs to be determined by more than just a low price. Agents should be asked these questions:

• Do they have cheaper tiers of coverage?
• Can you contact them at any time?
• How often do they review policy coverages?
• Does the agency have a good rating with the Better Business Bureau?
• Are they properly licensed to sell insurance in Michigan?
• If you have an accident, are you able to get your vehicle repaired at the shop of your choice?
• Does the company have a local claim office in Detroit?
• Which family members are covered?

Shop around and save

Affordable Dodge Journey insurance in Detroit is possible online as well as from independent agents in Detroit, and you need to comparison shop both in order to have the best chance of saving money. A few companies don’t offer online quoting and many times these smaller providers sell through independent insurance agents.

We just presented a lot of tips how to get a better price on Dodge Journey insurance in Detroit. It’s most important to understand that the more times you quote, the more likely it is that you will get a better rate. You may even find the best price on car insurance is with the smaller companies. Some small companies can often insure niche markets at a lower cost than their larger competitors like State Farm or Progressive.

Additional detailed information is located by following these links:

• Safety Features for Your New Car (State Farm)
• Who Has Cheap Detroit Car Insurance Quotes for Police Officers? (FAQ)
• What Auto Insurance is Cheapest for Homeowners in Detroit? (FAQ)
• Who Has Affordable Car Insurance Rates After a Speeding Ticket in Detroit? (FAQ)
• Reducing Your Risks in a Car Crash Video (iihs.org)
• Understanding Limits and Deductibles (Allstate)