Cheap Insurance for a Dodge Journey in Baltimore

Sadly, nearly 70% of customers have bought insurance from the same company for more than four years, and just under half have never compared rate quotes at all. Maryland drivers can save approximately 55% each year just by getting comparison quotes, but most tend to underestimate how much savings they would realize if they swap their current policy for a cheaper one.

If you want to save money, the best way to get more affordable auto insurance rates in Baltimore is to annually compare prices from different companies who sell auto insurance in Maryland.

• Step 1: Gain an understanding of the coverage provided by your policy and the changes you can make to prevent high rates. Many policy risk factors that increase rates like speeding tickets, accidents and a negative credit rating can be controlled by improving your driving habits or financial responsibility. This article provides additional tips to help find cheaper rates and find hidden discounts.
• Step 2: Compare rates from direct, independent, and exclusive agents. Exclusive and direct companies can only quote rates from one company like GEICO and State Farm, while independent agents can provide price quotes for many different companies. Find a Baltimore insurance agent
• Step 3: Compare the new rate quotes to the price on your current policy to see if you can save by switching companies. If you find a lower rate and switch companies, verify that coverage does not lapse between policies.
• Step 4: Provide proper notification to your current company to cancel your current car insurance policy and submit any necessary down payment along with the completed application to your new insurance company. Once coverage is bound, put the certificate verifying proof of insurance along with the vehicle’s registration papers.

An important part of this process is to make sure you’re comparing similar deductibles and liability limits on every price quote and and to get rates from every insurance company. Doing this helps ensure an accurate price comparison and a thorough price selection.

This article’s intent is to introduce you to the most effective way to quote insurance and some money-saving tips. If you have insurance now, you stand a good chance to be able to shop for the lowest rates using the ideas you’re about to read. Vehicle owners just need to learn the proper way to compare prices from many different companies online.

Dodge Journey Insurance Cost Factors

An important part of buying insurance is that you know the factors that help calculate your premiums. If you understand what positively or negatively impacts your premiums, this empowers consumers to make smart changes that could result in lower rates. Multiple criteria are part of the calculation when you quote your car insurance policy. Most are fairly basic like a motor vehicle report, but other factors are less obvious such as your marital status or your vehicle rating.

• Lower stress equals lower prices – Did you know your job can affect your rates? Occupational choices like military personnel, airline pilots, and miners have higher rates than average due to high stress and lengthy work days. Other careers like farmers, engineers and homemakers pay lower than average rates.

• What type of car do you drive? – The type of vehicle you drive makes a big difference in your auto insurance rates. The lowest rates are generally reserved for the lowest performance passenger vehicles, but many other things help determine your insurance rates.

  The next chart uses these variables: married male driver age 30, full coverage with $1000 deductibles, and no discounts or violations. It shows Dodge Journey rates compared to other models of vehicles that have a range of performance rating factors.

• How credit score affects car insurance premiums – Credit rating can be an important factor in determining premium rates. If your credit history can use some improvement, you could potentially save money when insuring your Dodge Journey if you improve your credit rating. Drivers who have very high credit ratings tend to file fewer claims and have better driving records than drivers who have bad credit.

• Gender and car insurance – Statistics have proven that females take fewer risks when driving. Now that doesn’t mean men are worse drivers. Women and men cause fender benders at a similar rate, but the males tend to have more serious accidents. They also have more aggressive citations like DWI (DUI) or reckless driving. Male drivers age 16 to 19 cause the most accidents and thus pay the highest rates.

  The illustration below illustrates the comparison of Dodge Journey insurance costs for male and female drivers. The rates are based on a clean driving record, no claims, full coverage, $250 deductibles, single marital status, and no policy discounts are applied.

• Claims statistics for a Dodge Journey – Insurance companies include the past claim trends for vehicles when determining insurance rates. Vehicles that the statistics show to have higher number or severity of losses will have increased rates.

  The data below shows the compiled insurance loss statistics for Dodge Journey vehicles. For each policy coverage type, the statistical loss for all vehicles averaged together is considered to be 100. Values that are below 100 represent a good loss history, while numbers above 100 point to more claims or statistically larger claims.

  
  

  Dodge Journey Insurance Claim 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 Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

Finding low cost Baltimore auto insurance prices can be quick and easy. You just have to take time comparing rates online from several insurance companies.

Online shopping is fast and free, and it takes the place of having to drive around to each insurance agency near you. Quoting Dodge Journey insurance online has reduced the need for local agents unless you want the professional guidance that can only be provided by a licensed insurance agent. Some companies do allow you to price shop your coverage online but purchase the actual policy in an agency.

The providers in the list below can provide free rate quotes in Maryland. If you want cheap auto insurance in Baltimore, we suggest you visit several of them to get the best price comparison.

Dodge Journey insurance charts and tables

The data table displayed below covers estimates of coverage prices for Dodge Journey models. Having insight into how rate quotes are figured can be of help when making decisions when shopping your coverage around.

Data based on single female driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and Maryland minimum liability limits. Discounts applied include multi-policy, safe-driver, claim-free, multi-vehicle, and homeowner. Rate quotes do not factor in zip code location which can increase or decrease insurance rates significantly.

Analysis of deductible levels

The hardest decision when buying coverage is which comprehensive and collision deductibles to buy. The comparison tables below approximate the differences in price between high and low deductibles. The first rate table uses a $100 deductible and the second rate chart uses a $1,000 deductible.

Prices above based on married male driver age 30, no speeding tickets, no at-fault accidents, and Maryland minimum liability limits. Discounts applied include claim-free, homeowner, multi-policy, multi-vehicle, and safe-driver. Estimates do not factor in your specific Baltimore location which can affect prices noticeably.

Using the data above, we can ascertain that using a $100 deductible costs approximately $42 more each month or $504 every year than opting for 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 21 months between claims, you would most likely save money if you choose a higher deductible.

Difference between full coverage and liability only rates

The information below illustrates the comparison of Dodge Journey insurance prices with liability coverage only compared to full coverage. The premiums assume no accidents or driving violations, $250 deductibles, single status, and no discounts are applied to the premium.

Are you wasting money paying for full coverage?

There is no exact rule to drop physical damage insurance, but there is a general guideline. If the annual cost of your full coverage insurance is 10% or more of the vehicle’s replacement cost less your deductible, then you may need to consider dropping full coverage.

For example, let’s pretend your Dodge Journey settlement value is $9,000 and you have $1,000 full coverage deductibles. If your vehicle is totaled in an accident, you would only receive $8,000 after the policy deductible has been paid. If you are currently paying more than $800 annually for your policy with full coverage, then it might be time to consider dropping full coverage.

There are some scenarios where dropping physical damage coverage is not a good plan. If you still owe money on your vehicle, you are required to maintain full coverage as part of the loan requirements. Also, if you can’t afford to buy a different vehicle in case of an accident, you should not buy liability only.

Why do I need car insurance?

Despite the fact that auto insurance is not cheap in Baltimore, buying auto insurance serves several important purposes.

• Just about all states have mandatory liability insurance requirements which means the state requires a minimum amount of liability insurance in order to license the vehicle. In Maryland these limits are 30/60/15 which means you must have $30,000 of bodily injury coverage per person, $60,000 of bodily injury coverage per accident, and $15,000 of property damage coverage.
• If you have a loan on your Dodge, almost every bank will force you to have insurance to ensure they get paid if you total the vehicle. If you do not keep the policy in force, the lender may have to buy a policy to insure your Dodge for a much higher rate and force you to pay the higher price.
• Auto insurance protects both your vehicle and your assets. It will also reimburse you for medical transport and hospital expenses for both you and anyone you injure as the result of an accident. As part of your policy, liability insurance will also pay attorney fees in the event you are sued. If you have damage to your Dodge as the result of the weather or an accident, collision and comprehensive coverages will pay to have it repaired.

The benefits of insuring your car definitely exceed the price paid, especially when you need to use it. As of last year, the average driver in Maryland overpays as much as $869 every year so you should quote your policy with other companies once a year at a minimum to help ensure money is not being wasted.

Auto insurance policy discounts for Dodge Journey insurance in Baltimore

Auto insurance is not an enjoyable expense, but there may be some discounts to help bring down the price. Some of these discounts will be visible at quote time, but less common discounts must be specially asked for prior to receiving the credit.

• Safety Course Discount – Participating in a class that teaches defensive driver techniques could cut 5% off your bill depending on where you live.
• No Claim Discounts – Good drivers with no accidents can earn big discounts as opposed to frequent claim filers.
• Waiver for an Accident – This isn’t a discount exactly, but a handful of insurance companies may permit one accident without getting socked with a rate hike if your claims history is clear for a specific time period.
• ABS and Traction Control Discounts – Vehicles that have anti-lock braking systems can avoid accidents and the ABS can save up to 10%.
• Government Employee Discount – Federal government employees could qualify for a slight premium decrease with certain companies.
• Senior Citizen Rates – Older drivers may qualify for a slight reduction on a Baltimore auto insurance quote.

Discounts reduce rates, but you should keep in mind that many deductions do not apply to the entire cost. Most only cut individual premiums such as physical damage coverage or medical payments. So even though they make it sound like all the discounts add up to a free policy, insurance companies wouldn’t stay in business.

The diagram below illustrates the difference between Dodge Journey yearly insurance costs with and without discounts. The costs are based on a male driver, no driving violations, no at-fault accidents, Maryland state minimum liability limits, full coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with homeowner, multi-car, marriage, multi-policy, safe-driver, and claim-free discounts applied.

Some of the insurance companies that may include these benefits include:

• GEICO
• Travelers
• Farm Bureau
• Liberty Mutual
• American Family
• Progressive

When getting free Baltimore auto insurance quotes, it’s a good idea to every insurance company which credits you are entitled to. Some discounts listed above may not be available in Baltimore. For a list of auto insurance companies who offer free Dodge Journey insurance quotes in Maryland, click this link.

Insurance quotes from local Baltimore insurance agents

Certain consumers still like to buy from a local agent and that is OK! Insurance agents can help you build your policy and help submit paperwork. One of the great benefits of comparing insurance online is that you can find cheap insurance rates but also keep your business local. Buying insurance from small agencies is important particularly in Baltimore.

To make it easy to find an agent, after completing this quick form, the quote information is submitted to local insurance agents in Baltimore who will return price quotes for your insurance coverage. It’s much easier because you don’t need to leave your computer due to the fact that quote results will go immediately to your email address. In the event you want to get a rate quote from one company in particular, you can always navigate to their website to submit a rate quote request.

Pick the best auto insurance agent in Baltimore for you

If you want to use a reliable agent, you need to know there are two different types of agencies and how they operate. Agencies in Baltimore are classified as either independent (non-exclusive) or exclusive. Either type can handle insurance, but it’s worth learning how they differ since it can impact your agent selection.

Independent Insurance Agents

Agents in the independent channel are not required to write business for one company so they have the ability to put coverage with multiple insurance companies and find you cheaper rates. If they find a cheaper price, your agent can switch companies which makes it simple for you. When searching for an agent, you definitely need to contact a couple of independent agencies for the best price selection.

Featured below is a list of independent insurance agents in Baltimore that may be able to give free insurance rate quotes.

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Exclusive Agents

Exclusive agents can only provide one company’s prices and some examples include State Farm or Allstate. Exclusive agents cannot shop your coverage around so you need to shop around if the rates are high. Exclusive insurance agents receive extensive training on the products they sell which helps them sell on service rather than price.

The following is a list of exclusive agents in Baltimore who can help you get comparison quotes.

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Picking an auto insurance agent shouldn’t rely on just the quoted price. Any agent in Baltimore should be willing to answer these questions.

• Do they have adequate Errors and Omissions coverage? This protects you if they make a mistake.
• Did they already check your driving record and credit reports?
• How many years of experience in personal auto insurance do they have?
• Do they get extra compensation for selling add-on coverages?
• Do they regularly work with personal auto policies in Baltimore?
• Do they have cheaper tiers of coverage?
• Can you contact them at any time?
• When do they do policy reviews?

Cheap auto insurance premiums are possible

When getting Baltimore auto insurance quotes online, it’s not a good idea to reduce needed coverages to save money. In too many instances, an insured cut liability coverage limits only to regret at claim time that the small savings ended up costing them much more. The aim is to find the BEST coverage at the best possible price.

Some companies may not have internet price quotes and these smaller providers work with local independent agents. Cheap Dodge Journey insurance in Baltimore can be purchased online as well as from independent agents in Baltimore, so you should compare both so you have a total pricing picture.

In this article, we presented some good ideas how to compare Dodge Journey insurance car insurance rates in Baltimore. It’s most important to understand that the more price quotes you have, the better likelihood of getting affordable Baltimore auto insurance quotes. Consumers may even find the best price on auto insurance is with some of the smallest insurance companies. Smaller companies can often insure niche markets at a lower cost than their larger competitors like Progressive and GEICO.

More detailed auto insurance information is located by following these links:

• Safety Features for Your New Car (State Farm)
• Who Has Cheap Baltimore Auto Insurance Quotes for High Risk Drivers? (FAQ)
• Who Has the Cheapest Auto Insurance for High Mileage Drivers in Baltimore? (FAQ)
• Dangers of fake or stolen airbags (Insurance Institute for Highway Safety)
• Car Insurance for Teen Drivers with Divorced Parents (Allstate)