Cheap Insurance for a Dodge Journey in San Diego

Do you get exhausted from not being able to scrape enough together to keep your car insured? You are in the same boat as most other consumers in California.

Insurance rates Dodge Journey in San DiegoIt’s astonishing, but nearly 70% of customers renewed their policy with the same company for at least four years, and 38% of drivers have never compared rates with other companies. Drivers in the United States can save about $860 each year by just comparing rate quotes, but they mistakenly think it’s difficult to find cheap insurance by shopping around.

Multiple insurance companies compete for your hard-earned dollar, and it can be difficult to compare rates to find the absolute lowest cost out there.

You should take the time to shop coverage around as often as possible because rates change frequently. Just because you found the lowest premium rates on Dodge Journey insurance in San Diego six months ago you may be paying too much now. Forget all the misinformation about insurance because you’re about to learn the things you must know in order to reduce your cost while increasing coverage.

If you’re already insured, you will surely be able to cut your premiums using this information. Locating the most cost-effective auto insurance policy in San Diego is actually quite simple. Although California vehicle owners need to learn how the larger insurance companies market on the web and use this information to your advantage.

Auto insurance providers offering low-cost rates in California

The companies in the list below can provide free quotes in California. If more than one company is shown, we suggest you compare several of them in order to find the most affordable rates.

Dodge Journey Insurance Estimates in San Diego, CA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Journey SE 2WD $210 $298 $442 $26 $132 $1,108 $92
Journey SXT 2WD $272 $534 $534 $32 $160 $1,532 $128
Journey R/T 2WD $334 $584 $424 $26 $126 $1,494 $125
Journey SXT Crew 2WD $270 $454 $464 $28 $138 $1,354 $113
Journey SXT AWD $334 $584 $424 $26 $126 $1,494 $125
Journey R/T AWD $420 $930 $534 $32 $160 $2,076 $173
Journey SXT Crew AWD $242 $454 $416 $24 $124 $1,260 $105
Get Your Own Custom Quote Go

Data rating is based on married female driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and California minimum liability limits. Discounts applied include homeowner, multi-policy, claim-free, safe-driver, and multi-vehicle. Information does not factor in San Diego location which can alter rates considerably.

Comparison of full coverage and liability-only policies

The diagram below shows the comparison of Dodge Journey car insurance costs with full physical damage coverage compared to only buying the minimum liability limits required in California. Data assumes no violations or claims, $500 deductibles, married male driver, and no discounts are factored in.

When to stop buying comprehensive and collision coverage

There is no clear-cut rule to exclude comp and collision coverage, but there is a general convention. If the annual cost of having full coverage is 10% or more of the vehicle’s replacement cost less your deductible, then it might be time to consider dropping full coverage.

For example, let’s say your Dodge Journey claim settlement value is $8,000 and you have $1,000 policy deductibles. If your vehicle is totaled, you would only receive $7,000 after paying your deductible. If you are paying over $700 annually for physical damage coverage, then you might want to consider buying only liability coverage.

There are some cases where buying only liability insurance is not a good plan. If you still have a loan on your vehicle, you must maintain physical damage coverage in order to prevent your loan from defaulting. Also, if you cannot afford to purchase a different vehicle in the even your car is totaled, you should not opt for liability only.

Get affordable Dodge Journey insurance in San Diego with discounts

Auto insurance is expensive, but you might find some hidden discounts that many people don’t even know exist. Some discounts apply automatically when you get a quote, but less common discounts must be asked about prior to getting the savings.Auto insurance discounts

We need to note that most discount credits are not given to the entire policy premium. The majority will only reduce the cost of specific coverages such as physical damage coverage or medical payments. If you do the math and it seems like adding up those discounts means a free policy, companies wouldn’t make money that way.

A few popular companies and their offered discounts are detailed below.

If you need lower rates, check with each insurance company which discounts they offer. Savings may not be available in your area.

How Your Journey Insurance Rates are Determined

The best way to find cheaper insurance is to take a look at the rating factors that come into play when calculating your policy premiums. When you know what positively or negatively influences your rates, this enables informed choices that can earn you cheaper rates. Many things are taken into consideration when you get your auto insurance bill. Some factors are common sense like your driving record, but some are less apparent such as whether you are married or how safe your car is.

The items below are a few of the “ingredients” that factor into your rates.

Auto insurance agents near you

Many people still like to visit with an insurance agent and there is nothing wrong with that. A good thing about comparing auto insurance online is that you can obtain cheap auto insurance rates and still buy from a local agent.

Insurance agents in San DiegoTo make it easy to find an agent, after completing this short form, your insurance data is sent to participating agents in San Diego who will gladly provide quotes to get your business. You won’t even need to drive around because prices are sent directly to you. You can most likely find cheaper rates and work with a local agent. If you need to compare rates from a particular provider, don’t hesitate to visit that company’s website and submit a quote form there.

Choosing an insurance company requires you to look at more than just the price. Any agent in San Diego should be forthright in answering these questions:

When looking for a reliable insurance agency, you must know there are a couple types of agencies that you can choose from. Agents are considered either exclusive or independent (non-exclusive).

Exclusive Insurance Agencies

These type of agents can only quote rates from one company and examples are State Farm, Allstate, or Farmers Insurance. These agents are not able to provide other company’s prices so keep that in mind. They receive a lot of sales training on what they offer which helps overcome the inability to quote other rates.

Shown below are exclusive insurance agents in San Diego that can give you price quote information.

1635 Rosecrans St bSan Diego, CA 92106(619) 694-4788View Map

7332 Casper DrSan Diego, CA 92119(619) 464-4261View Map

8333 Clairemont Mesa Blvd Ste 110San Diego, CA 92111(858) 278-4880View Map

View more San Diego agents

Independent Agencies or Brokers

Independent insurance agents do not have single company limitations so they can write business with lots of companies and find the cheapest auto insurance rates. If they find a lower price, your agent can just switch to a different company and you stay with the same agent. If you need lower rates, we recommend you get quotes from multiple independent agents so that you can do a thorough price comparison.

Shown below are San Diego independent agents willing to provide price quote information.

3443 Camino del Rio S #221San Diego, CA 92108(619) 296-6222View Map

6363 Greenwich Dr #120San Diego, CA 92122(858) 457-5720View Map

9699 Tierra Grande St # 100San Diego, CA 92126(800) 421-4653View Map

View more San Diego agents

Upon receiving satisfactory answers to these questions and cheaper Journey insurance quotes, you’ve probably found an insurance agent that meets the requirements to properly insure your vehicles.

Shop smart and save

The cheapest Dodge Journey insurance in San Diego is definitely available both online and with local San Diego insurance agents, so you should compare both so you have a total pricing picture. A few companies may not have online rate quotes and many times these regional carriers only sell coverage through independent agents.

When searching for cheaper San Diego auto insurance quotes, never reduce coverage to reduce premium. There have been many cases where an insured cut comprehensive coverage or liability limits only to discover later that their decision to reduce coverage ended up costing them more. The ultimate goal is to find the BEST coverage for the lowest cost, but do not skimp to save money.

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