Find Cheaper Dodge Journey Insurance in San Antonio

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Scraping up a payment for pricey Dodge Journey insurance in San Antonio can empty your budget and force you to make tough financial choices.

Insurance for Dodge JourneyIt's a fact that car insurance companies want to keep you from comparing prices. Drivers who shop for lower prices will most likely move their business because there is a great chance of finding a policy with better rates. A recent survey found that consumers who routinely shopped for cheaper coverage saved $865 annually compared to people who never shopped for cheaper rates.

If saving money on insurance is the reason you're here, then learning about how to find and compare cheaper coverage can save time and money.

Vehicle owners have many car insurance companies to insure vehicles with, and although it's a good thing to have a selection, more choices can make it harder to compare rates and find the lowest cost car insurance.

Buying the cheapest car insurance in San Antonio seems hard but is not really that difficult. In a nutshell, every person who needs lower cost car insurance most likely will be able to find better rates. Although Texas consumers do need to know how the larger insurance companies price insurance differently because rates are impacted by many factors.

Best companies for competitive Dodge Journey insurance in Texas

The companies shown below are ready to provide price quotes in Texas. If multiple companies are shown, we recommend you compare several of them to find the lowest car insurance rates.

Dodge Journey detailed coverage information

The rate table below outlines detailed analysis of insurance costs for Dodge Journey models. Having a good grasp of how insurance policy premiums are figured can help customers make decisions on the best policy coverages.

Dodge Journey Insurance Rates in San Antonio, TX
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Journey SE 2WD $178 $294 $462 $28 $138 $1,100 $92
Journey SXT 2WD $178 $358 $462 $28 $138 $1,164 $97
Journey R/T 2WD $202 $358 $462 $28 $138 $1,188 $99
Journey SXT Crew 2WD $202 $358 $462 $28 $138 $1,188 $99
Journey SXT AWD $202 $358 $462 $28 $138 $1,188 $99
Journey R/T AWD $202 $422 $462 $28 $138 $1,252 $104
Journey SXT Crew AWD $202 $422 $462 $28 $138 $1,252 $104
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Data assumes single male driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and Texas minimum liability limits. Discounts applied include safe-driver, homeowner, multi-vehicle, multi-policy, and claim-free. Table data does not factor in San Antonio location which can raise or lower premium rates greatly.

Higher deductibles save money

One of the most common auto insurance questions is what deductibles to buy. The comparison tables below help summarize the costs and benefits of buying low and high insurance deductibles. The first rate table uses a $100 deductible for comp and collision and the second price table uses a $1,000 deductible.

Dodge Journey insurance rates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Journey SE 2WD $328 $486 $382 $22 $114 $1,357 $113
Journey SXT 2WD $328 $592 $382 $22 $114 $1,463 $122
Journey R/T 2WD $370 $592 $382 $22 $114 $1,505 $125
Journey SXT Crew 2WD $370 $592 $382 $22 $114 $1,505 $125
Journey SXT AWD $370 $592 $382 $22 $114 $1,505 $125
Journey R/T AWD $370 $698 $382 $22 $114 $1,611 $134
Journey SXT Crew AWD $370 $698 $382 $22 $114 $1,611 $134
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Dodge Journey insurance rates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Journey SE 2WD $182 $256 $382 $22 $114 $956 $80
Journey SXT 2WD $182 $312 $382 $22 $114 $1,012 $84
Journey R/T 2WD $206 $312 $382 $22 $114 $1,036 $86
Journey SXT Crew 2WD $206 $312 $382 $22 $114 $1,036 $86
Journey SXT AWD $206 $312 $382 $22 $114 $1,036 $86
Journey R/T AWD $206 $368 $382 $22 $114 $1,092 $91
Journey SXT Crew AWD $206 $368 $382 $22 $114 $1,092 $91
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Prices based on married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include multi-policy, safe-driver, homeowner, multi-vehicle, and claim-free. Information does not factor in specific zip code location which can lower or raise prices considerably.

Based on the data above, we can derive that using a $100 deductible will cost you approximately $39 more each month or $468 annually across all Dodge Journey models than choosing the higher $1,000 deductible. Because you would pay $900 more to settle a claim with a $1,000 deductible as compared to a $100 deductible, if you usually have at least 23 months between claims, you would probably be better off by selecting a higher deductible. Here's a better example of how you can make your own decision.

Average monthly premium for $100 deductibles: $125
Average monthly premium for $1,000 deductibles (subtract): - $86
Monthly savings from raising deductible: $39
Difference between deductibles ($1,000 - $100): $900
Divide difference by monthly savings: $900 / $39
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 23 months

An important sidenote is that raising deductibles to save money means you will have to cover more of the damage yourself when you have a claim. You must have some funds available in the event you have to pay the higher deductible.

Drive safe and save

The chart below demonstrates how speeding tickets and at-fault fender-benders raise Dodge Journey premium costs for different ages of insureds. The data is based on a single male driver, comp and collision included, $250 deductibles, and no additional discounts are factored in.

Dodge Journey insurance rates by gender

The diagram below shows the comparison of Dodge Journey insurance rates for male and female drivers. The premiums assume no violations or claims, comp and collision included, $100 deductibles, drivers are not married, and no policy discounts are applied.

Informed Consumers Can Slash Their Insurance Premiums

Consumers need to have an understanding of some of the factors that help calculate the level of your policy premiums. When consumers understand what positively or negatively impacts your premiums, this allows you to make good choices that could result in better auto insurance rates. Lots of factors are used when pricing auto insurance. Some of the criteria are obvious such as your driving record, but other criteria are not as apparent such as your marital status or how safe your car is.

Having a spouse reduces risk - Having a significant other actually saves money on auto insurance. Having a spouse demonstrates that you tend to be less irresponsible and insurance companies reward insureds because married drivers get in fewer accidents.

Maintain auto insurance coverage - Allowing your coverage to lapse will be a fast way to increase your rates. Not only will you pay higher rates, being ticketed for driving with no insurance may earn you fines or a revoked license. You may then be required to submit proof of financial responsibility or a SR-22 with the Texas department of motor vehicles.

Does your occupation raise your prices? - Did you know your career choice can influence rates? Occupations like military personnel, social workers, and dentists generally pay the highest average rates because of intense work requirements and lots of time spent at work. Conversely, careers like farmers, students and performers have lower than average premiums.

More performance means higher rates - The make and model of the vehicle you own makes a huge difference in your premium level. The cheapest insurance rates tend to be for lower cost passenger cars, but there are many factors that impact the final cost.

The following chart assumes a married male driver age 20, full coverage with $250 deductibles, and no discounts or violations. The data compares Dodge Journey insurance premiums compared to other vehicles that have a range of performances.

Eliminate unneeded add-on coverages - Policies have additional coverages that sound like a good idea at the time on your auto insurance policy. Add-on coverages like rental car coverage, accident forgiveness, and additional equipment coverage could be just wasting money. You may think they are a good idea when discussing your needs, but if you have no use for them eliminate them to save money.

Consider raising deductibles - Physical damage protection, also called comprehensive and collision insurance, helps pay for damage to your vehicle. Some examples of covered claims would be colliding with a building, collision with an animal, or theft. Deductibles for physical damage define the amount you are willing to pay if the claim is covered. The more expense the insured is willing to pay, the better rate you will receive.

With age comes lower premiums - More mature drivers are shown to be more cautious, tend to cause fewer accidents, and are safer drivers. Beginning drivers are proven to be inattentive with other occupants in the car so they pay higher auto insurance rates.

The data below uses these assumptions: single driver, full coverage with $1000 deductibles, and no discounts or violations.

Dodge Journey insurance loss data - Companies analyze claim trends for every vehicle in order to profitably underwrite each model. Models that are shown to have a higher amount or frequency of claims will be charged more to insure.

The table below outlines the compiled insurance loss statistics for Dodge Journey vehicles. For each coverage category, the statistical loss for all vehicles combined as an average equals 100. Numbers under 100 are indicative of better than average losses, while numbers above 100 show a trend for more claims or tendency to have higher losses.

Dodge Journey Insurance Loss Statistics
Make and 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
BETTER
AVERAGE
WORSE

Empty fields indicate not enough data collected
Statistics from IIHS.org for 2013-2015 Model Years

Cheaper rates with these money saving discounts

Companies that sell car insurance don't always publicize their entire list of discounts in an easy-to-find place, so we researched some of the more common as well as some of the hidden credits available to bring down your rates.Discount car insurance

  • Braking Control Discount - Cars, trucks, and SUVs that have steering control and anti-lock brakes prevent accidents and qualify for as much as a 10% discount.
  • Passenger Safety Discount - Cars that have air bags and/or automatic seat belt systems can receive discounts of more than 20%.
  • Own a Home - Being a homeowner can save you money because of the fact that having a home requires personal responsibility.
  • Bundle and Save - If you have multiple policies and insure them with the same company you may save at least 10 to 15 percent or more.
  • Theft Deterrent System - Cars and trucks equipped with tracking devices and advanced anti-theft systems help deter theft and therefore earn up to a 10% discount.
  • New Car Discount - Insuring a new Journey can get you a discount since new vehicles have better safety ratings.
  • Smart Student Discounts - Being a good student can get you a discount of up to 25%. The discount lasts well after school through age 25.

A quick disclaimer, some of the credits will not apply to the entire policy premium. Most only reduce individual premiums such as collision or personal injury protection. So even though they make it sound like all those discounts means the company will pay you, it just doesn't work that way.

The illustration below compares Dodge Journey auto insurance rates with and without discounts. The prices are based on a male driver, no claims, a clean driving record, Texas state minimum liability limits, comprehensive and collision coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with marriage, claim-free, multi-car, multi-policy, safe-driver, and homeowner discounts applied.

A few of the larger companies and a selection of discounts are outlined below.

  • Farmers Insurance has savings for bundle discounts, youthful driver, teen driver, multi-car, early shopping, and switch companies.
  • State Farm discounts include driver's education, defensive driving training, Drive Safe & Save, student away at school, safe vehicle, good student, and anti-theft.
  • Liberty Mutual may offer discounts for good student, new graduate, safety features, multi-policy, and newly married.
  • MetLife offers premium reductions for multi-policy, claim-free, good driver, good student, defensive driver, and accident-free.
  • Progressive has discounts for multi-vehicle, good student, continuous coverage, multi-policy, and online signing.

Before buying, ask each company or agent what discounts are available to you. Savings may not apply to policyholders in your area. To view insurers with the best Dodge Journey insurance discounts in Texas, click here to view.

Can't I get rate quotes from local San Antonio auto insurance agents?

Some people would prefer to talk to an insurance agent. An additional benefit of price shopping on the web is that you can find better rates but also keep your business local.

Insurance agency in San AntonioTo find an agent, once you fill out this form (opens in new window), your insurance coverage information is instantly submitted to insurance agents in San Antonio who will gladly provide quotes for your business. It simplifies rate comparisons since you won't have to visit any agencies because quoted prices will be sent immediately to your email address. It's the lowest rates AND a local agent. If for some reason you want to get a price quote from a specific company, you can always jump over to their website and submit a quote form there.

Choosing an provider should include more criteria than just the bottom line cost. Any agent in San Antonio should be willing to answer these questions.

  • Does their agency support local causes in San Antonio?
  • Will a damage claim use OEM or aftermarket replacement parts?
  • How much will you save each year by using a higher deductible?
  • Who are their largest clients?
  • Do they have a Better Business Bureau rating in San Antonio?

If you need to find a local agent, you need to know there are two different types of agencies and how they can service your needs differently. Insurance agencies in San Antonio are either exclusive agents or independent agents.

Exclusive Insurance Agents

These type of agents have only one company to place business with like State Farm, AAA, and Liberty Mutual. Exclusive agents cannot provide rate quotes from other companies so they have to upsell other benefits. Exclusive agents are well schooled on sales techniques and that enables them to sell even at higher rates.

The following are San Antonio exclusive agencies that are able to give price quote information.


10103 TX-1604 Loop #102 - San Antonio, TX 78254 - (210) 688-7707 - View Map


13421 Blanco Rd - San Antonio, TX 78216 - (210) 492-0314 - View Map


2, 407 N Zarzamora - San Antonio, TX 78207 - (210) 438-5826 - View Map

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Independent Car Insurance Agents

Agents that choose to be independent are not limited to a single company so as a result can place your coverage with lots of companies and find you cheaper rates. If they find a cheaper price, your policy is moved internally and you don't have to find a new agent.

When comparing rate quotes, you definitely need to include price quotes from several independent agencies to ensure the widest selection of prices.

Shown below is a list of independent agents in San Antonio who can help you get price quote information.


800 Isom Rd # 100 - San Antonio, TX 78216 - (210) 366-5094 - View Map

Legion Insurance Agency
5309 Wurzbach Rd - San Antonio, TX 78230 - (210) 693-1501 - View Map


1100 NE Interstate 410 Loop - San Antonio, TX 78209 - (210) 822-2590 - View Map

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If you get satisfactory answers as well as a price you're happy with, it's a good possibility that you have found an auto insurance agent that meets the criteria to insure your vehicles. Just understand that it's your policy and you can cancel a policy whenever you want so don't feel you're contractually obligated to your new company with no way out.

When should I discuss my situation with an agent?

When quoting and comparing your policy, there isn't really a one size fits all plan. Your situation is unique.Drive safe and save

For example, these questions may help you determine whether or not you might need an agent's assistance.

  • How high should my uninsured/underinsured coverage be in Texas?
  • Is my custom stereo system covered?
  • When should my teen driver be added to my policy?
  • Do I really need UM/UIM coverage?
  • Can I rent a car in Mexico?
  • When would I need rental car insurance?

If you're not sure about those questions but you think they might apply to your situation, you might consider talking to an agent. If you don't have a local agent, complete this form.

Quote more and you will save more

People who switch companies do it for many reasons like lack of trust in their agent, policy cancellation, not issuing a premium refund or even policy non-renewal. Regardless of your reason for switching companies, finding a great new company is actually quite simple.

In this article, we presented a lot of tips how to get a better price on Dodge Journey insurance in San Antonio. The key concept to understand is the more times you quote, the more likely it is that you will get a better rate. Consumers may even find the lowest prices come from the smaller companies.

Cheaper Dodge Journey insurance in San Antonio is attainable from both online companies and also from your neighborhood San Antonio agents, so get free San Antonio auto insurance quotes from both of them to have the best chance of lowering rates. Some insurance providers may not provide the ability to get a quote online and usually these regional carriers prefer to sell through local independent agents.

For more information, link through to the resources below: