Unbelievable but true, a large majority of drivers kept buying from the same company for four years or more, and almost 40% of drivers have never compared quotes from other companies. American insurance shoppers could save 46.5% every year by just shopping around, but they just assume it’s a time-consuming process to compare rates online.
If your goal is the lowest price, then the best way to get more affordable Dodge Journey insurance in Columbus is to start doing an annual price comparison from insurers who provide auto insurance in Ohio. This can be done by following these steps.
- Step 1: Learn about policy coverages and the factors you can control to prevent expensive coverage. Many things that cause rate increases such as at-fault accidents, speeding tickets, and a substandard credit history can be remedied by making minor driving habit or lifestyle changes.
- Step 2: Compare prices from direct, independent, and exclusive agents. Exclusive and direct companies can only quote rates from one company like Progressive and State Farm, while independent agencies can quote prices for many different companies. Compare rates now
- Step 3: Compare the new quotes to the premium of your current policy to see if switching to a new carrier will save money. If you can save some money, verify that coverage does not lapse between policies.
- Step 4: Provide notification to your current company to cancel your current car insurance policy and submit payment along with a signed and completed policy application to your new insurance company. As soon as you can, keep the new certificate verifying proof of insurance with the vehicle registration.
One key aspect when comparing rates is to compare identical limits and deductibles on every quote request and and to look at as many different insurance providers as possible. This provides a fair rate comparison and a complete price analysis.
How to compare Dodge Journey insurance price quotes in Columbus, Ohio
All the larger insurance companies make it easy to get coverage prices on the web. Comparing Dodge Journey insurance rates online is fairly simple as all you need to do is type in the amount of coverage you want into the quote form. After you submit the form the quote system sends out for information on your driving record and credit history and provides a quote based on these and other factors.
Using the web to get rate quotes for Dodge Journey insurance in Columbus helps simplify price comparisons, and it’s necessary to compare as many rates as possible in order to get the lowest payment possible.
To save time and use this form to compare rates, compare rate quotes from the providers shown below. If you currently have coverage, we recommend you copy the insurance coverages identical to your current policy. Using the same limits helps guarantee you will have a price comparison based on the exact same insurance coverage.
The auto insurance companies shown below are our best choices to provide free rate quotes in Ohio. If more than one company is shown, it’s highly recommended you get rate quotes from several of them to find the most competitive auto insurance rates.
Dodge Journey coverage analysis
The price information below showcases different insurance rates for Dodge Journey models. Learning as much as possible about how auto insurance premiums are calculated can assist in making informed coverage decisions.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Journey SE 2WD | $130 | $180 | $234 | $14 | $70 | $628 | $52 |
| Journey SXT 2WD | $130 | $220 | $234 | $14 | $70 | $668 | $56 |
| Journey R/T 2WD | $146 | $220 | $234 | $14 | $70 | $684 | $57 |
| Journey SXT Crew 2WD | $146 | $220 | $234 | $14 | $70 | $684 | $57 |
| Journey SXT AWD | $146 | $220 | $234 | $14 | $70 | $684 | $57 |
| Journey R/T AWD | $146 | $258 | $234 | $14 | $70 | $722 | $60 |
| Journey SXT Crew AWD | $146 | $258 | $234 | $14 | $70 | $722 | $60 |
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Data based on married male driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Ohio minimum liability limits. Discounts applied include claim-free, safe-driver, multi-policy, homeowner, and multi-vehicle. Table data does not factor in vehicle garaging location which can revise premiums significantly.
Premiums by gender and age
The chart below shows the difference between Dodge Journey insurance rates for male and female drivers. The rates are based on no violations or claims, full coverage, $250 deductibles, drivers are not married, and no discounts are factored in.
Dodge Journey full coverage rates compared to liability only
The information below compares Dodge Journey insurance premiums with and without full coverage. The costs are based on a clean driving record, no claims, $1,000 deductibles, drivers are not married, and no discounts are factored in.
Are you wasting money paying for full coverage?
There isn’t a steadfast formula that works best for making the decision to drop full coverage, but there is a general guideline. If the annual cost of having full coverage is more than around 10% of the replacement cost minus the deductible, then it may be the right time to buy liability only.
For example, let’s assume your Dodge Journey replacement cost is $4,000 and you have $1,000 policy deductibles. If your vehicle is destroyed, the most you would get paid by your company is $3,000 after paying the physical damage deductible. If you are paying more than $300 a year for comprehensive and collision coverage, then you might want to consider buying only liability coverage.
There are some conditions where removing full coverage is not a good idea. If you have an outstanding loan on your vehicle, you have to carry full coverage as part of the loan conditions. Also, if your savings is not enough to buy a different vehicle if your current one is damaged, you should not remove full coverage.
Why you need insurance for your vehicle
Despite the potentially high cost of Dodge Journey insurance, insuring your vehicle is required by state law in Ohio and it also provides benefits you may not be aware of.
First, just about all states have mandatory insurance requirements which means the state requires specific limits of liability insurance in order to license the vehicle. In Ohio these limits are 25/50/25 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.
Second, if your vehicle has a loan, it’s guaranteed your bank will stipulate that you carry insurance to guarantee loan repayment. If you default on your policy, the lender may have to buy a policy to insure your Dodge at a much higher rate and require you to pay for it.
Third, insurance safeguards both your car and your assets. It will also cover medical expenses for not only you but also any passengers injured in an accident. Liability coverage, the one required by state law, also pays expenses related to your legal defense if you cause an accident and are sued. If damage is caused by hail or an accident, your policy will pay to repair the damage minus the deductible amount.
The benefits of buying enough insurance definitely exceed the cost, specifically if you ever have a liability claim. The average driver in America is overpaying more than $825 a year so it’s important to compare rates at every renewal to help ensure money is not being wasted.
Specifics of your insurance policy
Knowing the specifics of a insurance policy can be of help when determining the best coverages for your vehicles. Insurance terms can be difficult to understand and coverage can change by endorsement.
Liability insurance
This coverage will cover injuries or damage you cause to a person or their property. It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show values of 25/50/25 that means you have $25,000 in coverage for each person’s injuries, a per accident bodily injury limit of $50,000, and a limit of $25,000 paid for damaged property. Alternatively, you may have one number which is a combined single limit that pays claims from the same limit rather than limiting it on a per person basis.
Liability coverage protects against claims like loss of income, funeral expenses and repair bills for other people’s vehicles. How much liability coverage do you need? That is your choice, but it’s cheap coverage so purchase as high a limit as you can afford. Ohio requires minimum liability limits of 25/50/25 but you should think about purchasing higher limits.
The illustration below shows why buying the state minimum limits may not provide adequate coverage.
Insurance for medical payments
Personal Injury Protection (PIP) and medical payments coverage provide coverage for immediate expenses for hospital visits, doctor visits, funeral costs, EMT expenses and dental work. They are used in conjunction with a health insurance plan or if you are not covered by health insurance. Coverage applies to you and your occupants in addition to any family member struck as a pedestrian. PIP is not universally available but it provides additional coverages not offered by medical payments coverage
Comprehensive coverage (or Other than Collision)
This coverage covers damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then your comprehensive coverage will pay.
Comprehensive coverage protects against claims such as fire damage, damage from flooding and hitting a deer. The maximum amount you’ll receive from a claim is the market value of your vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.
Uninsured Motorist or Underinsured Motorist insurance
Uninsured or Underinsured Motorist coverage gives you protection when the “other guys” either have no liability insurance or not enough. It can pay for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.
Since many Ohio drivers only carry the minimum required liability limits (25/50/25 in Ohio), it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is important protection for you and your family. Most of the time these limits are identical to your policy’s liability coverage.
Collision protection
Collision coverage covers damage to your Journey resulting from colliding with an object or car. You first must pay a deductible then your collision coverage will kick in.
Collision coverage pays for things like damaging your car on a curb, backing into a parked car and hitting a parking meter. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are older. It’s also possible to choose a higher deductible on your Journey in order to get cheaper collision rates.
Insurance savings summarized
Cheaper Dodge Journey insurance in Columbus is available from both online companies and from local agencies, so you should be comparing quotes from both so you have a total pricing picture. Some insurance companies do not offer rate quotes online and many times these smaller providers prefer to sell through independent insurance agents.
As you quote Columbus auto insurance, don’t be tempted to skimp on coverage in order to save money. In too many instances, an accident victim reduced comprehensive coverage or liability limits and discovered at claim time that it was a big error on their part. The ultimate goal is to get the best coverage possible at an affordable rate but still have enough coverage for asset protection.
We just covered a lot of information how to shop for Dodge Journey insurance online. The key concept to understand is the more quotes you get, the better your chances of lowering your rates. Consumers could even find that the most savings is with the least-expected company.
Much more information about insurance in Ohio can be found below:
- Frontal Crash Tests (iihs.org)
- Think You’re a Safe Driver? (State Farm)
- Child Safety FAQ (iihs.org)
- What is Full Coverage? (Allstate)