Best Quotes for Dodge Journey Insurance in Tampa

We don’t have to point out that fact that car insurance companies want to keep your business as long as possible. Insureds who get price quotes annually are inclined to buy a new policy because there is a good chance of getting low-cost coverage. A survey found that drivers who compared prices once a year saved as much as $865 a year compared to people who never shopped around for better prices.

If finding the cheapest rates on Dodge Journey insurance is your ultimate target, then learning a little about how to find companies and compare cheaper coverage can save time, money, and frustration.

Really, the only way to save on Dodge Journey insurance in Tampa is to regularly compare prices from insurance carriers in Florida.

1. Spend some time learning about how auto insurance works and the factors you can control to prevent high rates. Many factors that result in higher prices like accidents, careless driving, and a bad credit rating can be rectified by making lifestyle changes or driving safer. Continue reading for additional ideas to find cheap prices and get additional discounts that may be available.
2. Request rate estimates from direct, independent, and exclusive agents. Direct companies and exclusive agencies can provide rates from one company like GEICO or State Farm, while independent agencies can give you price quotes from multiple sources.
3. Compare the new quotes to the premium of your current policy and see if you can save money. If you find a better price and change companies, make sure there is no lapse between the expiration of your current policy and the new one.

An important note is to compare identical limits and deductibles on every quote request and and to get price estimates from as many different insurance providers as possible. This helps ensure an apples-to-apples comparison and a complete price analysis.

Finding the cheapest auto insurance coverage in Tampa is not that difficult. Basically, every person who is overpaying for auto insurance will most likely be able to lower their premiums. But Florida drivers do need to understand the way companies calculate your auto insurance rates because it varies considerably.

The easiest way to compare insurance rates in your area is to understand most of the larger companies participate in online systems to provide you with a free rate quote. To start a quote, the only thing you need to do is give them some information including coverage limits, daily mileage, the type of vehicles you drive, and if you’re married. Your information gets sent immediately to multiple different insurance companies and they provide comparison quotes immediately.

To compare rates for your car now, click here and complete the form.

The following companies offer quotes in Tampa, FL. If you wish to find cheap auto insurance in FL, we suggest you visit two to three different companies to get the lowest price.

Dodge Journey detailed coverage information

The coverage information shown below showcases different coverage prices for Dodge Journey models. Learning a little about how policy premiums are figured can help you make decisions when choosing a new policy provider.

Data based on single female driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and Florida minimum liability limits. Discounts applied include homeowner, multi-policy, multi-vehicle, safe-driver, and claim-free. Prices do not factor in specific location information which can alter rates significantly.

Deductible comparison

One frequently asked question is where to set your physical damage deductibles. The data tables below illustrate how much more you’ll pay between low and high deductibles. The first data set uses a $250 deductible and the second set of rates uses a $1,000 deductible.

Data variables include married male driver age 30, no speeding tickets, no at-fault accidents, and Florida minimum liability limits. Discounts applied include claim-free, safe-driver, multi-vehicle, homeowner, and multi-policy. Rate information does not factor in Tampa location which can modify coverage rates considerably.

We can derive from the above data that using a $250 deductible will cost you approximately $31 more each month or $372 every year across all Dodge Journey models than buying the higher $1,000 deductible. Due to the fact that you would have 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 least 24 months between claims, you would save money by selecting a higher deductible.

Men versus women drivers and insurance cost

The information below shows the comparison of Dodge Journey insurance costs for male and female drivers. The rate quotes are based on no violations or claims, full physical damage coverage, $500 deductibles, marital status is single, and no discounts are applied.

Best reasons to buy insurance in Florida

Despite the high cost of buying insurance for a Dodge Journey in Tampa, insurance serves an important purpose.

• Almost all states have minimum liability requirements which means it is punishable by state law to not carry a specific minimum amount of liability insurance in order to license the vehicle. In Florida these limits are 10/20/10 which means you must have $10,000 of bodily injury coverage per person, $20,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.
• If you took out a loan on your Dodge Journey, almost every bank will have a requirement that you have physical damage coverage to ensure the loan is repaid in case of a total loss. If you do not keep the policy in force, the bank or lender will purchase a policy for your Dodge at an extremely high rate and force you to pay for the expensive policy.
• Insurance protects both your assets and your Dodge Journey. It will also reimburse you for hospital and medical expenses for you, any passengers, and anyone injured in an accident. One policy coverage, liability insurance, also covers legal expenses if anyone sues you for causing an accident. If you receive damage to your vehicle caused by a storm or accident, comprehensive and collision coverage will pay to repair the damage minus the deductible amount.

The benefits of buying enough insurance greatly outweigh the cost, particularly when you have a large claim. But the average American driver overpays more than $830 a year so we recommend shopping around once a year at a minimum to be sure current rates are still competitive.

Why Your Insurance Rates might be higher

Many factors are considered when premium rates are determined. Some factors are common sense such as your driving record, but some are less apparent such as your marital status or your financial responsibility. Part of the insurance buying process is learning some of the elements that aid in calculating insurance rates. If you know what controls the rates you pay, this enables informed choices that can help you get much lower annual insurance costs.

Marriage can lower premiums – Being married may earn you lower rates compared to being single. Having a significant other translates into being less irresponsible and statistics prove married drivers tend to have fewer serious accidents.

Responsible drivers pay less – Your driving citation history impacts premiums far more than you think. Getting just one ticket may increase your cost by twenty percent. Drivers with clean records have lower premiums as compared to careless drivers. Drivers unfortunate enough to have careless violations like DUI or reckless driving are required to complete a SR-22 with the DMV in their state in order to legally drive.

The illustration below shows how traffic citations and at-fault accidents influence Dodge Journey insurance costs for different categories of driver ages. The costs are based on a married female driver, full coverage, $500 deductibles, and no discounts are factored in.

Lower prices with no policy lapses – Driving your car without having proper coverage is not a good idea and insurance companies will penalize you for letting your insurance lapse. Not only will you pay higher rates, the inability to provide proof of insurance could result in a steep fine or even jail time. You could then be forced to file a SR-22 with the Florida motor vehicle department.

Five star crash test rating saves money – Safe vehicles tend to have better insurance rates. Vehicles built for safety help reduce the chance of injuries in an accident and fewer injuries means less claims paid and thus lower rates. If your Dodge Journey earned at least an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website you may pay a lower rate.

Dodge Journey claim statistics – Auto insurance companies use past insurance losses to help determine prices. Models that tend to have increased losses will have higher rates. The table below demonstrates the historical loss data for Dodge Journey vehicles.

For each coverage type, the claim probability for all vehicles averaged together is represented as 100. Values that are below 100 suggest a positive loss record, while values over 100 point to more claims or tendency to have larger claims.

You can lower your car insurance rates

Lower-priced Dodge Journey insurance in Tampa can be bought from both online companies and from local agencies, and you need to comparison shop both to have the best chance of lowering rates. Some insurance companies may not provide online rate quotes and many times these smaller providers work with independent agencies.

When shopping online for car insurance, do not buy lower coverage limits just to save a few bucks. There are a lot of situations where someone dropped comprehensive coverage or liability limits only to find out that it was a big mistake. Your aim should be to buy the best coverage you can find at an affordable rate.

Additional car insurance information is located at these links:

• Coverage Information (Progressive Insurance)
• Understanding Rental Car Insurance (Insurance Information Institute)
• Pickups fall short in headlight tests (Insurance Institute for Highway Safety)