Save Money on Dodge Journey Insurance in Buffalo

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Dodge Journey insurance
Dodge Journey insurance image courtesy of QuoteInspector.com

If your goal is the lowest price, then the best way to find low-cost Dodge Journey insurance is to compare prices at least once a year from different companies who can sell car insurance in Buffalo. Rate comparisons can be done by completing these steps.

First, it will benefit you to learn about how insurance companies determine prices and the things you can change to drop your rates. Many factors that result in higher rates like at-fault accidents and an imperfect credit score can be amended by being financially responsible and driving safely. Keep reading for more ideas to prevent expensive rate increases and find hidden discounts.

Second, compare prices from independent agents, exclusive agents, and direct companies. Exclusive and direct companies can only provide price estimates from a single company like Progressive or Farmers Insurance, while independent agents can give you price quotes from multiple companies. Click to view companies

Third, compare the new quotes to the price on your current policy to see if a cheaper rate is available. If you can save some money and change companies, make sure there is no lapse between the expiration of your current policy and the new one.

Fourth, provide proper notification to your current company of your decision to cancel your existing policy and submit a down payment and signed policy application to your new carrier. Once the paperwork is finalized, keep your new proof of insurance certificate along with your vehicle registration.

One key aspect of rate comparisons is to try to use identical coverages on every quote and and to get prices from as many auto insurance providers as possible. This enables the most accurate price comparison and a thorough price selection.

Insurance rates Dodge Journey in BuffaloIt's an obvious assumption that car insurance companies don't want their policyholders to compare prices. Consumers who shop around for better prices will, in all likelihood, switch to a new company because they stand a good chance of finding a lower-priced company. A survey found that consumers who compared rates regularly saved as much as $850 each year compared to those who didn't regularly shop around.

If finding the lowest rates on auto insurance in Buffalo is the reason for your visit, then having a good understanding the best ways to shop for cheaper coverage can help simplify the task of finding more affordable coverage.

Get More Affordable Insurance Premiums by Understanding These Factors

Multiple criteria are part of the equation when you quote your car insurance policy. A few of the factors are predictable such as traffic violations, but other factors are less obvious like your continuous coverage or your financial responsibility. Smart consumers have a good feel for some of the things that come into play when calculating the rates you pay for car insurance. If you have a feel for what determines base rates, this enables you to make decisions that could result in better car insurance rates.

The items below are some of the items used by your company to calculate your prices.

Do you know you're credit history? - A driver's credit rating is likely to be a major factor in determining what you pay. Insureds that have excellent credit scores tend to be better risks to insure than drivers with lower credit scores. Therefore, if your credit could use some work, you could potentially save money when insuring your Dodge Journey by taking the time to improve your credit score.

Lower mileage equals lower premium - Driving a lot of miles annually the higher your rate. Almost all companies price each vehicle's coverage based on how the vehicle is used. Autos that have low annual miles qualify for better rates than vehicles that have high annual mileage. Incorrect rating for your Journey may be costing you higher rates. Double check that your vehicle rating reflects how each vehicle is driven.

Liability protection limits should be high - A critical coverage on your policy, liability insurance provides coverage if you are determined to be liable for personal injury or accident damage. It provides you with a defense in court which can cost thousands of dollars. It is affordable coverage when compared to the cost of physical damage coverage, so do not cut corners here.

Responsible drivers pay lower premiums - Drivers who don't get tickets get better rates as compared to those with violations. Having just one chargeable violation can bump up the cost substantially. Drivers with flagrant violations such as reckless driving, hit and run or driving under the influence may be required to submit a SR-22 form with their state motor vehicle department in order to continue driving.

The illustration below shows how speeding tickets and at-fault collisions can impact Dodge Journey insurance premiums for different age groups of insureds. Data assumes a single male driver, full physical damage coverage, $250 deductibles, and no additional discounts are factored in.

Safer cars are cheaper to insure - Vehicles with good safety scores get lower rates. These vehicles protect occupants better and lower injury rates translates into savings for insurance companies passed on to you as lower rates.

Your stress level may be raising your premiums - Did you know your job can affect your rates? Careers such as military generals, social workers, and dentists usually pay higher premiums than the average policyholder because of intense work-related stress and lots of time spent away from family. Conversely, careers like farmers, historians and retirees generally pay rates lower than average.

Dodge Journey historical loss data - Insurance companies use historical loss data as a tool for profitable underwriting. Vehicles that tend to have increased claim numbers or amounts will have a higher premium rate. The next table shows the historical loss data for Dodge Journey vehicles.

For each coverage category, the claim amount for all vehicles, without regard to make or model, equals 100. Numbers under 100 imply a favorable loss record, while values that are 100 or greater show a trend for more claims or statistically larger losses.

Car Insurance Loss Data for Dodge Journey Models
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
Data Source: iihs.org (Insurance Institute for Highway Safety) for 2013-2015 Model Years

When comparison shopping, comparing all the rates in your area increases the chance that you will find a lower rate. Not every company provides online rate quotes, so it's important to also get price estimates from the smaller companies as well.

The companies in the list below offer price comparisons in New York. If you want to find cheap car insurance in New York, it's highly recommended you visit as many as you can in order to get a fair rate comparison.

Dodge Journey coverage analysis

The price information displayed next highlights different insurance premium costs for Dodge Journey models. Having a better understanding of how rates are calculated can assist in making smart buying decisions.

Dodge Journey Insurance Rates in Buffalo, NY
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Journey SE 2WD $198 $278 $270 $16 $80 $842 $70
Journey SXT 2WD $198 $338 $270 $16 $80 $902 $75
Journey R/T 2WD $224 $338 $270 $16 $80 $928 $77
Journey SXT Crew 2WD $224 $338 $270 $16 $80 $928 $77
Journey SXT AWD $224 $338 $270 $16 $80 $928 $77
Journey R/T AWD $224 $398 $270 $16 $80 $988 $82
Journey SXT Crew AWD $224 $398 $270 $16 $80 $988 $82
Get Your Own Custom Quote Go

Premium data assumes married female driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and New York minimum liability limits. Discounts applied include safe-driver, multi-policy, homeowner, multi-vehicle, and claim-free. Rate quotes do not factor in vehicle location which can lower or raise rates significantly.

Higher deductibles save money

One of the most common car insurance questions is how low should you set your deductibles. The comparisons below can help you visualize the differences in price when you select higher and lower comp and collision deductibles. The first data set uses a $100 deductible for comprehensive and collision coverage and the second set of rates uses a $1,000 deductible.

Dodge Journey insurance premium rates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Journey SE 2WD $228 $338 $264 $16 $80 $951 $79
Journey SXT 2WD $228 $412 $264 $16 $80 $1,025 $85
Journey R/T 2WD $258 $412 $264 $16 $80 $1,055 $88
Journey SXT Crew 2WD $258 $412 $264 $16 $80 $1,055 $88
Journey SXT AWD $258 $412 $264 $16 $80 $1,055 $88
Journey R/T AWD $258 $484 $264 $16 $80 $1,127 $94
Journey SXT Crew AWD $258 $484 $264 $16 $80 $1,127 $94
Get Your Own Custom Quote Go
Dodge Journey insurance premium rates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Journey SE 2WD $126 $178 $264 $16 $80 $664 $55
Journey SXT 2WD $126 $216 $264 $16 $80 $702 $59
Journey R/T 2WD $142 $216 $264 $16 $80 $718 $60
Journey SXT Crew 2WD $142 $216 $264 $16 $80 $718 $60
Journey SXT AWD $142 $216 $264 $16 $80 $718 $60
Journey R/T AWD $142 $256 $264 $16 $80 $758 $63
Journey SXT Crew AWD $142 $256 $264 $16 $80 $758 $63
Get Your Own Custom Quote Go

Price data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and New York minimum liability limits. Discounts applied include claim-free, multi-vehicle, multi-policy, safe-driver, and homeowner. Premium costs do not factor in Buffalo location which can alter insurance rates substantially.

Based on this data, we can arrive at the conclusion that using a $100 deductible will cost you roughly $28 more each month or $336 every year averaged for all Journey models than quoting the higher $1,000 deductible. Due to the fact that you would have to pay $900 more to file a claim with a $1,000 deductible as compared to a $100 deductible, if you normally average at a minimum 32 months between claims, you would more than likely save some money by selecting a higher deductible.

Do you need full coverage?

The example below shows the comparison of Dodge Journey insurance costs with full coverage compared to only the New York minimum liability coverage. The premiums are based on no claims or driving citations, $250 deductibles, marital status is single, and no discounts are factored in.

Are you wasting money paying for full coverage?

There is no set guideline for dropping physical damage insurance, but there is a guideline you can use. If the annual cost of comprehensive and collision coverage is about 10% or more of the replacement cost minus the deductible, then you might want to consider buying only liability coverage.

For example, let's say your Dodge Journey settlement value is $8,000 and you have $1,000 physical damage deductibles. If your vehicle is severely damaged, the most your company would pay you is $7,000 after the deductible is paid. If you are currently paying more than $700 annually for comprehensive and collision coverage, the it may be a good time to stop paying for full coverage.

There are a few cases where dropping physical damage coverage is not financially feasible. If you still have a loan on your vehicle, you must maintain physical damage coverage in order to prevent the bank from purchasing higher-priced coverage. Also, if you can't afford to buy a different vehicle if your current one is damaged, you should keep full coverage on your policy.

Three reasons to insure your vehicle

Despite the fact that car insurance is not cheap in Buffalo, insurance may be required for several reasons.

  • Almost all states have mandatory insurance requirements which means state laws require a specific minimum amount of liability coverage if you don't want to risk a ticket. In New York these limits are 25/50/10 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.
  • If you bought your vehicle with a loan, most banks will make it mandatory that you buy insurance to protect their interest in the vehicle. If you default on your policy, the lender may insure your Dodge for a much higher rate and require you to pay for the expensive policy.
  • Car insurance preserves not only your car but also your assets. It will also cover medical bills for both you and anyone you injure as the result of an accident. Liability coverage, the one required by state law, will also pay to defend you if you are named as a defendant in an auto accident. If you receive damage to your vehicle caused by a storm or accident, your car insurance policy will pay to restore your vehicle to like-new condition.

The benefits of having insurance are definitely more than the cost, especially if you ever need it. As of last year, the average driver in New York overpays as much as $850 per year so you should quote and compare rates each time the policy renews to be sure current rates are still competitive.

Discounts mean cheaper rates for Dodge Journey insurance in Buffalo

Car insurance can cost a lot, but you may qualify for discounts that many consumers don't even know exist. Many discounts should be triggered at the time of purchase, but some must be specially asked for before you will receive the discount.Insurance discounts

  • Auto/Home Discount - If you can combine your homeowners and auto policy and place coverage with the same company you will save at least 10 to 15 percent or more.
  • Membership in Organizations - Having an affiliation with a qualifying organization is a simple method to lower premiums when shopping for insurance.
  • Driver's Education for Students - Require your teen driver to enroll in driver's education in school.
  • Discount for Swiching Early - A few insurance companies allow discounts for buying a new policy prior to the expiration date on your current Journey insurance policy. You could save around 10% when you buy Buffalo auto insurance online.
  • Safety Course Discount - Taking time to complete a defensive driving class can save you 5% or more and also improve your driving technique.
  • Waiver for an Accident - This isn't a discount exactly, but companies like GEICO, State Farm, and Progressive will forgive one accident before hitting you with a surcharge if you are claim-free prior to the accident.

Please keep in mind that most of the big mark downs will not be given to the entire policy premium. Most only reduce the cost of specific coverages such as liability and collision coverage. So even though they make it sound like it's possible to get free car insurance, it's just not the way it works. But any discount will help lower the cost of coverage.

The information below illustrates the comparison of Dodge Journey insurance premiums with and without discounts being applied to the rates. Data assumes a male driver, no claims or driving citations, New York state minimum liability limits, comp and collision included, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with homeowner, marriage, claim-free, safe-driver, multi-policy, and multi-car discounts applied.

The best insurance companies and a summarized list of policyholder discounts include:

  • State Farm has discounts for student away at school, multiple autos, accident-free, good student, and driver's education.
  • GEICO offers discounts including emergency military deployment, membership and employees, federal employee, multi-policy, defensive driver, anti-theft, and multi-vehicle.
  • Liberty Mutual has savings for exclusive group savings, safety features, teen driver discount, multi-car, newly married, and new move discount.
  • The Hartford offers premium reductions for anti-theft, bundle, good student, defensive driver, driver training, and air bag.
  • MetLife includes discounts for good driver, defensive driver, good student, multi-policy, accident-free, claim-free
  • Progressive may include discounts for online quote discount, homeowner, continuous coverage, multi-vehicle, and online signing.

Check with every insurance company which discounts you may be entitled to. Some of the earlier mentioned discounts may not be offered in Buffalo. For a list of insurance companies that can offer you the previously mentioned discounts in New York, follow this link.

Comparing quotes from local Buffalo auto insurance agents

Some people prefer to talk to an insurance agent and that is just fine! One of the great benefits of comparing rates online is that drivers can save money and get lower rates but still work with a licensed agent. And providing support for local insurance agencies is definitely important in Buffalo.

To find an agent, once you fill out this simple form, your insurance data is emailed to local insurance agents that can give you free Buffalo auto insurance quotes to get your business. There is no need to search for an agent since price quotes are sent to your email. You can find better rates and work with a local agent. If you need to get a rate quote from a particular provider, feel free to visit that company's website and submit a quote form there.

Buffalo car insurance agents come in two flavors

If you would like to find a good insurance agency, it's helpful to know the different agency structures to choose from. Auto insurance agents in Buffalo can be categorized as either independent or exclusive depending on the company they work for.

Independent Auto Insurance Agents

Independent insurance agents do not have single company limitations and that is an advantage because they can write policies with any number of different companies and get you the best rates possible. If you are not satisfied with one company, they simply move your policy to a different company and you don't have to do anything.

If you are comparing auto insurance prices, you will want to check rates from at least one independent agent for maximum quote selection.

Shown below are independent insurance agents in Buffalo who can help you get free rate quotes.


285 Delaware Ave - Buffalo, NY 14202 - (716) 853-7960 - View Map


2686 Elmwood Ave - Buffalo, NY 14217 - (716) 835-9653 - View Map


90 Bryant Woods S - Buffalo, NY 14228 - (716) 632-6118 - View Map

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Exclusive Auto Insurance Agents

Agents that elect to be exclusive write business for a single company and some examples include Allstate, Farmers Insurance or State Farm. Exclusive agents are unable to provide rate quotes from other companies so always compare other rates. Exclusive agents are usually quite knowledgeable on their company's products which helps overcome the inability to quote other rates.

The following is a short list of exclusive agencies in Buffalo that can give you price quote information.


6699 Transit Road - Buffalo, NY 14221 - (716) 810-1500 - View Map


2165 Sheridan Dr - Buffalo, NY 14223 - (716) 875-0524 - View Map


7718 Buffalo Ave - Niagara Falls, NY 14304 - (716) 283-9100 - View Map

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Picking a car insurance agent requires you to look at more than just a cheap price quote. These are some questions your agent should answer.

  • Is the agent and/or agency licensed to do business in New York?
  • Will you work with the agent or an assistant?
  • Does the agent recommend any additional coverage?
  • Does the agency support the community they serve?
  • Are aftermarket or OEM parts used to repair vehicles?

It's not one size fits all

When buying coverage for your personal vehicles, there is no perfect coverage plan. Your financial needs are unique so your insurance should reflect thatAuto insurance savings These are some specific questions could help you determine if your situation could use an agent's help.

  • Is pleasure use cheaper than using my Dodge Journey to commute?
  • Does car insurance cover theft of personal property?
  • Are my company tools covered if they get stolen?
  • What does roadside assistance cover?
  • Can I afford to buy a different vehicle if my Dodge Journey is totaled?
  • Should I have a commercial auto policy?
  • Can my teen driver be rated on a liability-only vehicle?
  • Does coverage extend to Mexico or Canada?
  • Does rental coverage apply when I am renting a car?
  • How can I get high-risk coverage after a DUI?

If you can't answer these questions but you think they might apply to your situation then you might want to talk to an insurance agent. If you want to speak to an agent in your area, take a second and complete this form or go to this page to view a list of companies.

Cheap car insurance is out there

We covered many ideas to shop for Dodge Journey insurance online. The key concept to understand is the more you quote Buffalo auto insurance, the higher the chance of saving money. Consumers could even find that the biggest savings come from a small local company. They can often provide lower premium rates in certain areas than the large multi-state companies such as Progressive and GEICO.

Cost effective Dodge Journey insurance can be bought both online in addition to local insurance agencies, and you need to comparison shop both so you have a total pricing picture. Some companies may not offer internet price quotes and these small, regional companies work with independent insurance agents.

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