How to Save on Dodge Journey Insurance in Santa Ana

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Insurance rates Dodge Journey in Santa AnaWe don't have to tell you that car insurance companies don't want you to look at other companies. Insureds who compare rates once a year will, in all likelihood, switch auto insurance companies because there is a high probability of finding coverage at a more affordable price. Remarkably, a study showed that consumers who regularly compared price quotes saved as much as $70 a month compared to those who never compared rates.

If finding discount rates on Dodge Journey insurance in Santa Ana is your ultimate goal, then having some knowledge of the best ways to shop for coverages can help you succeed in saving money.

If you want to find the absolute lowest rates, then the best way to save on Dodge Journey insurance in Santa Ana is to start comparing prices regularly from insurers that sell auto insurance in California.

First, try to learn a little about how companies price auto insurance and the measures you can take to lower rates. Many rating criteria that drive up the price like traffic violations, accidents, and a low credit score can be rectified by paying attention to minor details.

Second, quote rates from direct carriers, independent agents, and exclusive agents. Exclusive and direct companies can provide rates from one company like GEICO or Allstate, while independent agents can provide price quotes from multiple companies. View prices

Third, compare the price quotes to your current policy and see if you can save money. If you can save some money, make sure there is no coverage gap between policies.

Fourth, provide proper notification to your current company of your intent to cancel your current auto insurance policy. Submit a signed application and payment for the new policy. Immediately put the new certificate verifying coverage in a readily accessible location in your vehicle.

An important part of this process is to use similar coverage information on every quote request and and to get rates from all possible companies. This helps ensure a level playing field and a good representation of prices.

When shopping for cheaper Santa Ana auto insurance quotes, there are a couple of ways to compare rate quotes from all the different companies. The quickest method to compare rates involves getting comparison quotes online. When quoting car insurance, remember that obtaining a wide range of quotes gives you a better chance of getting a better price. Some regional insurers cannot provide rate quotes online, so you need to compare quotes from them, too.

The companies shown below provide quotes in Santa Ana, CA. If multiple providers are shown, we suggest you visit two to three different companies to find the cheapest car insurance rates.

Rates and other information

The premium information shown next covers different insurance costs for Dodge Journey models. Being more informed about how insurance policy premiums are determined is important for drivers to make decisions when shopping your coverage around.

Dodge Journey Insurance Rates in Santa Ana, CA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Journey SE 2WD $162 $246 $416 $24 $124 $972 $81
Journey SXT 2WD $162 $300 $416 $24 $124 $1,026 $86
Journey R/T 2WD $184 $300 $416 $24 $124 $1,048 $87
Journey SXT Crew 2WD $184 $300 $416 $24 $124 $1,048 $87
Journey SXT AWD $184 $300 $416 $24 $124 $1,048 $87
Journey R/T AWD $184 $354 $416 $24 $124 $1,102 $92
Journey SXT Crew AWD $184 $354 $416 $24 $124 $1,102 $92
Get Your Own Custom Quote Go

Data assumes married female driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and California minimum liability limits. Discounts applied include claim-free, multi-policy, homeowner, safe-driver, and multi-vehicle. Premium amounts do not factor in the specific area where the vehicle is garaged which can increase or decrease coverage prices substantially.

Auto insurance deductibles

The hardest decision when buying coverage is how high should your deductibles be. The figures shown below may help to illustrate the rate differences when you choose different comp and collision deductibles. The first data table uses a $250 deductible for comprehensive and collision coverage and the second price chart uses a $500 deductible.

Dodge Journey insurance prices with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Journey SE 2WD $342 $472 $442 $26 $132 $1,439 $120
Journey SXT 2WD $342 $576 $442 $26 $132 $1,543 $129
Journey R/T 2WD $386 $576 $442 $26 $132 $1,587 $132
Journey SXT Crew 2WD $386 $576 $442 $26 $132 $1,587 $132
Journey SXT AWD $386 $576 $442 $26 $132 $1,587 $132
Journey R/T AWD $386 $678 $442 $26 $132 $1,689 $141
Journey SXT Crew AWD $386 $678 $442 $26 $132 $1,689 $141
Get Your Own Custom Quote Go
Dodge Journey insurance prices with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Journey SE 2WD $278 $382 $442 $26 $132 $1,260 $105
Journey SXT 2WD $278 $464 $442 $26 $132 $1,342 $112
Journey R/T 2WD $314 $464 $442 $26 $132 $1,378 $115
Journey SXT Crew 2WD $314 $464 $442 $26 $132 $1,378 $115
Journey SXT AWD $314 $464 $442 $26 $132 $1,378 $115
Journey R/T AWD $314 $546 $442 $26 $132 $1,460 $122
Journey SXT Crew AWD $314 $546 $442 $26 $132 $1,460 $122
Get Your Own Custom Quote Go

Price data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include multi-vehicle, safe-driver, multi-policy, homeowner, and claim-free. Table data does not factor in garaging location in Santa Ana which can raise or lower auto insurance rates noticeably.

Using the premium rates above, we can conclude that using a $250 deductible costs approximately $17 more each month or $204 each year than selecting the higher $500 deductible. Because you would be required to pay $250 more if you file a claim with a $500 deductible as compared to a $250 deductible, if you tend to average more than 15 months between claims, you would most likely save money by going with a higher deductible. Here's a better example of how you can make your own decision.

Average monthly premium for $250 deductibles: $132
Average monthly premium for $500 deductibles (subtract): - $115
Monthly savings from raising deductible: $17
Difference between deductibles ($500 - $250): $250
Divide difference by monthly savings: $250 / $17
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 15 months

One thing to be aware of is that increasing deductibles to save money means you will have to cover more of the damage yourself if you have a claim. You need to make sure you have a higher level of savings in the event you have to pay the deductible.

Cost of full coverage

The diagram below illustrates the comparison of Dodge Journey insurance premiums with liability coverage only compared to full coverage. The data assumes no claims or violations, $500 deductibles, marital status is single, and no discounts are taken into consideration.

Should you be buying full coverage?

There isn't a written rule for phasing out full coverage, but there is a broad guideline. If the annual cost of coverage is about 10% or more of the replacement cost minus the deductible, then you may want to consider only buying liability coverage.

For example, let's assume your Dodge Journey claim settlement value is $7,000 and you have $1,000 policy deductibles. If your vehicle is damaged in an accident, the most you would receive is $6,000 after the policy deductible has been paid. If you are paying over $600 a year to have full coverage, then you may need to consider dropping full coverage.

There are some circumstances where removing full coverage is not financially feasible. If you still owe a portion of the original loan, you have to maintain full coverage in order to satisfy the requirements of the loan. Also, if your savings is not enough to buy a different vehicle in the even your car is totaled, you should not buy liability only.

It may be expensive, but it's not optional

Even though it can be expensive, insurance may not be optional for several reasons.

First, most states have minimum liability requirements which means state laws require a minimum amount of liability protection in order to drive the car. In California these limits are 15/30/5 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $5,000 of property damage coverage.

Second, if you bought your vehicle with a loan, more than likely the lender will stipulate that you buy full coverage to protect their interest in the vehicle. If you let the policy lapse, the bank may buy a policy for your Dodge at a significantly higher premium and make you pay much more than you were paying before.

Third, car insurance protects your car and your assets. It will also pay for all forms of medical expenses for both you and anyone you injure as the result of an accident. Liability coverage, the one required by state law, also covers legal expenses if someone files suit against you as the result of an accident. If your vehicle suffers damage from an accident or hail, collision and comprehensive (also known as other-than-collision) coverage will pay to repair the damage minus the deductible amount.

The benefits of buying enough insurance are without a doubt worth the cost, especially if you ever need it. An average driver in America overpays as much as $830 a year so compare rate quotes every year to be sure current rates are still competitive.

Six Things That Determine Your Insurance Costs

Many factors are part of the equation when premium rates are determined. Some factors are common sense such as your driving history, although others are not quite as obvious such as your credit history or your vehicle rating. It's important that you understand some of the factors that go into determining the price you pay for auto insurance. If you have a feel for what impacts premium levels, this enables informed choices that could help you find lower auto insurance prices.

Qualify for multi-policy discounts - The majority of auto insurance companies allow discounts to people who buy several policies from them, otherwise known as a multi-policy discount. Even if you qualify for this discount already, consumers should still compare other company rates to help ensure you have the lowest rates.There is a chance you can save money by buying from different companies

Tickets can be expensive - Drivers who don't get tickets tend to pay less for car insurance than bad drivers. Only having one driving citation may increase your cost by as much as twenty percent. Drivers who get careless citations like reckless driving, hit and run or driving under the influence may need to file a SR-22 with their state DMV in order to prevent a license revocation.

The chart below shows how traffic citations and fender-benders influence Dodge Journey insurance costs for different age groups of insureds. The costs are based on a married male driver, full physical damage coverage, $1,000 deductibles, and no additional discounts are factored in.

Your spouse saves you money - Walking down the aisle may cut your premiums on your auto insurance bill. Marriage translates into being more mature and statistics show married drivers get in fewer accidents.

Save money by eliminating extra policy coverages - Insurance companies have many extra add-on coverages that can waste your money on your auto insurance policy. Things like coverage for rental cars, high-cost glass coverage, and term life insurance are probably not needed. These may sound like a good investment when you first buy your policy, but if they're wasting money consider taking them off your policy.

Performance impacts premiums - The type of car you own makes a substantial difference in your premium level. Lower performance four cylinder passenger cars usually are quite affordable to insure, but many other things help determine your insurance rates.

The following data assumes a married male driver age 30, full coverage with $100 deductibles, and no discounts or violations. It compares Dodge Journey rates compared to other vehicles that have a range of performance rating factors.

How much liability protection - Your auto insurance policy's liability coverage is the protection if you are determined to be liable for an accident. It will provide legal defense coverage up to the limits shown on your policy. This coverage is very inexpensive as compared to coverage for physical damage, so do not cut corners here.

Dodge Journey insurance loss probability - Companies analyze historical claim data to calculate a rate that will offset losses. Vehicles that the statistics show to have higher losses will have a higher premium rate. The information below illustrates the actual insurance loss data for Dodge Journey vehicles.

For each coverage type, the statistical loss for all vehicles, regardless of make, model or trim level, is considered to be 100. Values under 100 represent a good loss history, while numbers that are greater than 100 indicate higher probability of having a loss or a tendency for claims to be larger.

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

How much insurance do I need?

When it comes to choosing coverage for your vehicles, there is no perfect coverage plan. Everyone's needs are different.Drive safe and save

Here are some questions about coverages that may help highlight whether your personal situation might need professional guidance.

  • Will my rates increase for filing one claim?
  • Am I covered if hit by an uninsured driver?
  • What are good deductibles for a Dodge Journey?
  • Should I drop comprehensive coverage on older vehicles?
  • Should I buy additional glass protection?
  • Will I lose any money if I cancel my policy before it expires?

If you're not sure about those questions but one or more may apply to you, you might consider talking to an agent. To find lower rates from a local agent, take a second and complete this form.

Best auto insurance in Santa Ana

Ending up with a high-quality insurance company is hard considering how many different companies there are to choose from in Santa Ana. The company rank data in the lists below could help you choose which auto insurers you want to consider when comparing rate quotes.

Top 10 Santa Ana Car Insurance Companies by A.M. Best Rank

  1. USAA - A++
  2. Travelers - A++
  3. State Farm - A++
  4. GEICO - A++
  5. Esurance - A+
  6. Nationwide - A+
  7. Allstate - A+
  8. Mercury Insurance - A+
  9. Progressive - A+
  10. Titan Insurance - A+

Top 10 Santa Ana Car Insurance Companies Ranked by Claims Service

  1. AAA of Southern California
  2. State Farm
  3. Esurance
  4. AAA Insurance
  5. Progressive
  6. Liberty Mutual
  7. GEICO
  8. Allstate
  9. Titan Insurance
  10. The Hartford

In conclusion

When you buy Santa Ana auto insurance online, do not buy lower coverage limits just to save a few bucks. In many cases, an accident victim reduced comprehensive coverage or liability limits only to discover later that a couple dollars of savings turned into a financial nightmare. The proper strategy is to find the BEST coverage at the best price while not skimping on critical coverages.

We covered a lot of techniques to reduce Dodge Journey insurance premium rates online in Santa Ana. The most important thing to understand is the more quotes you get, the better your chances of lowering your prices. You may even discover the best premium rates are with a small mutual company.

The cheapest Dodge Journey insurance in Santa Ana is attainable from both online companies as well as from insurance agents, so you need to quote Santa Ana auto insurance with both to have the best rate selection. Some companies may not have rates over the internet and most of the time these smaller providers sell through local independent agencies.

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