Scraping up a payment for high-priced Dodge Journey insurance in Seattle can deplete your bank account and require stricter spending habits. Comparison shopping can help to reduce premiums and put more money in your pocket.
It’s astonishing, but the vast majority of consumers have stayed with the same insurance company for more than four years, and approximately 38% of consumers have never shopped around. With the average premium in the United States being $1,847, drivers can cut their rates by about 47% a year, but they assume it’s a waste of time to compare rates and save money.
Lots of car insurance companies contend to insure your vehicles, so it can be very hard to choose a provider to find the cheapest price on Dodge Journey insurance in Seattle.
There are several ways of comparing rate quotes from many different Washington insurance companies. The best way to find the cheapest insurance rates consists of obtaining rate quotes online.
Comparison shopping rates online is easy and it makes it a waste of time to drive around to each insurance agency near you. The internet eliminates the middleman unless your situation requires the professional advice of a local Seattle agent. You can, however, find lower rates online but have your policy serviced through an agent.
Just keep in mind that making a lot of price comparisons helps improve the odds of finding more affordable insurance.
The companies shown below have been selected to offer comparison quotes in Seattle, WA. If multiple providers are shown, we suggest you get price quotes from several of them to get a more complete price comparison.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Journey SE 2WD||$290||$376||$386||$22||$116||$1,190||$99|
|Journey SXT 2WD||$248||$526||$356||$22||$106||$1,258||$105|
|Journey R/T 2WD||$136||$236||$334||$20||$100||$826||$69|
|Journey SXT Crew 2WD||$286||$472||$398||$24||$120||$1,300||$108|
|Journey SXT AWD||$222||$376||$310||$18||$92||$1,018||$85|
|Journey R/T AWD||$152||$322||$384||$22||$114||$994||$83|
|Journey SXT Crew AWD||$182||$284||$386||$22||$116||$990||$83|
|Get Your Own Custom Quote Go|
Table data assumes single male driver age 30, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Washington minimum liability limits. Discounts applied include claim-free, homeowner, multi-vehicle, safe-driver, and multi-policy. Rate information does not factor in zip code location which can revise premiums considerably.
Gender-based car insurance rates
The information below illustrates the comparison of Dodge Journey insurance premiums for male and female drivers. The costs are based on no violations or accidents, full coverage, $250 deductibles, marital status is single, and no discounts are applied to the premium.
Price comparison of only insuring for liability
The illustration below shows the difference between Dodge Journey yearly insurance costs with and without physical damage coverage. The costs are based on no claims, a clean driving record, $1,000 deductibles, single female driver, and no discounts are factored in.
Should you buy full coverage or liability only?
There is no definitive rule for phasing out full coverage, but there is a general guideline. If the yearly cost of full coverage is about 10% or more of the replacement cost of your vehicle minus the policy deductible, then you might consider buying liability only.
For example, let’s pretend your Dodge Journey replacement cost is $4,000 and you have $1,000 deductibles. If your vehicle is totaled, the most your company would pay you is $3,000 after paying your policy deductible. If you are paying over $300 annually for comprehensive and collision coverage, then you might want to think about dropping full coverage.
There are some situations where dropping physical damage coverage is not in your best interest. If you still have a loan on your vehicle, you have to carry full coverage in order to satisfy the requirements of the loan. Also, if your emergency fund is not enough to purchase a different vehicle if your current one is damaged, you should not eliminate full coverage.
The chart below illustrates how your choice of deductibles and can affect Dodge Journey insurance costs for each different age category. Data assumes a single female driver, full physical damage coverage, and no discounts are taken into consideration.
Insurance is unique, just like you
When selecting insurance from an agent or online, there is no one-size-fits-all type of policy. Your situation is unique.
Here are some questions about coverages that might point out whether your personal situation could use an agent’s help.
- Will my Dodge Journey be repaired with OEM or aftermarket parts?
- If I drive on a suspended license am I covered?
- What is high-risk coverage and where do I buy it?
- Do I need medical payments coverage since I have good health insurance?
- Is business equipment covered while in my vehicle?
- What discounts do I qualify for?
If you can’t answer these questions, you may need to chat with a licensed insurance agent. To find an agent in your area, simply complete this short form.
Compare rates but buy from a neighborhood Seattle auto insurance agent
Some people prefer to talk to an insurance agent and that can be a great decision An additional benefit of comparing insurance prices online is you can get cheap rate quotes but still work with a licensed agent.
For easy comparison, once you complete this short form, your information is immediately sent to local insurance agents that can provide free Seattle auto insurance quotes for your business. It simplifies rate comparisons since you won’t have to drive around since price quotes are sent instantly to you. It’s the lowest rates without requiring a lot of work. If you need to get a comparison quote for a specific company, feel free to search and find their rate quote page and fill out the quote form the provide.
Picking an insurer shouldn’t rely on just the bottom line cost. You should also get answers to these questions.
- How many years of experience in personal auto insurance do they have?
- Is the coverage adequate for your vehicle?
- Will a damage claim use OEM or aftermarket replacement parts?
- What insurance companies do they work with in Seattle?
- Is the agency active in community causes in Seattle?
- What is their Better Business Bureau rating?
- Are there any hidden costs in their price quote and does it include driving and credit history?
- Will high miles depreciate repair valuations?
When researching a local insurance agency, it’s important to understand the different agency structures that you can choose from. Seattle agents are either exclusive or independent.
Exclusive Insurance Agencies
Agents in the exclusive channel can only provide pricing for a single company and examples are State Farm, Allstate, and Farm Bureau. They are unable to compare other company’s rates so keep that in mind. Exclusive insurance agents are trained well on their products and sales techniques and that can be a competitive advantage.
Below is a list of exclusive agencies in Seattle that are able to give price quote information.
Independent Agents (or Brokers)
These agents are normally appointed by many insurers so they can write business with any number of different companies and find the cheapest rate. If they quote lower rates, they can switch companies in-house and you don’t have to do anything. When searching for an agent, you will want to include price quotes from at a minimum one independent agency to have the most options to choose from.
The following are independent agents in Seattle that are able to give rate quotes.
Once you have received reasonable responses for all questions you ask in addition to an acceptable price estimate, it’s a good possibility that you have found an auto insurance agent that is a good match to insure your vehicles.