How to Save on Dodge Journey Insurance in Orlando

It’s hard to fathom, but nearly 70% of drivers kept their coverage with the same insurance company for at least the last four years, and about 40% of consumers have never quoted rates to find cheaper coverage. Consumers in Florida can save as much as $1,126 each year just by getting comparison quotes, but they think it’s difficult to save money by comparing rate quotes.

If you want to save the most money, the best way to find affordable Dodge Journey insurance is to make a habit of regularly comparing prices from providers that sell auto insurance in Orlando. Drivers can shop around by following these guidelines.

Step 1: Get an understanding of what coverages are included in your policy and the modifications you can make to keep rates in check. Many rating factors that are responsible for high rates like traffic citations and a not-so-good credit rating can be controlled by paying attention to minor details. This article gives additional tips to get cheaper rates and find discounts that you may qualify for.

Step 2: Request price quotes from direct carriers, independent agents, and exclusive agents. Direct and exclusive agents can give quotes from a single company like GEICO or Allstate, while independent agents can provide price quotes from multiple companies.

Step 3: Compare the quotes to your existing rates and determine if cheaper Journey coverage is available. If you can save some money and make a switch, make sure the effective date of the new policy is the same as the expiration date of the old one.

Step 4: Notify your current company of your intention to cancel your current car insurance policy. Submit the application along with any required down payment to your new insurance company. Once received, put the proof of insurance certificate somewhere easily accessible.

An important bit of advice to remember is to make sure you enter identical limits and deductibles on every quote request and to quote with as many different companies as possible. This enables an accurate price comparison and maximum price selection.

If you are insured now or just want cheaper coverage, you can use these techniques to get lower rates and still get good coverage. Quoting and comparing the best car insurance policy in Orlando is not as difficult as people think. You only have to learn the most effective way to find the lowest price online from multiple companies.

Cheap auto insurance in Orlando, FL

The auto insurance companies shown below are our best choices to provide free quotes in Orlando, FL. If you want to find cheap car insurance in Florida, we recommend you click on several of them to get the most affordable price.

Data for Dodge Journey insurance

The premium table shown next covers detailed analysis of rate quotes for Dodge Journey models. Learning more about how insurance rates are calculated can help you make smart buying decisions.

Data assumes single female driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and Florida minimum liability limits. Discounts applied include claim-free, homeowner, multi-vehicle, safe-driver, and multi-policy. Information does not factor in Orlando location which can influence coverage prices greatly.

Where to set your deductibles

One of the hardest decisions when shopping for auto insurance is at what level do you set your deductibles. The rates shown below lay out the rate fluctuation between low and high comp and collision deductibles. The first data set uses a $250 deductible for comp and collision and the second rate chart uses a $500 deductible.

Premium data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Florida minimum liability limits. Discounts applied include claim-free, multi-vehicle, homeowner, safe-driver, and multi-policy. Rate information does not factor in Orlando location which can alter rates greatly.

Using the premium rates above, we can conclude that using a $250 deductible costs an average of $17 more each month or $204 annually across all Dodge Journey models than selecting the higher $500 deductible. Since you would have to pay $250 more to file a claim with a $500 deductible as compared to a $250 deductible, if you normally average at a minimum 15 months between claim filings, you would save money if you elect the higher deductible.

One important caveat is that higher deductibles results in having to pay to pay more out-of-pocket when you have a claim. That will force you to have some savings in the bank in order to pay the deductible for vehicle repair.

Does full coverage make sense?

The information below visualizes the comparison of Dodge Journey insurance costs with liability coverage only compared to full coverage. The costs are based on a clean driving record, no claims, $250 deductibles, drivers are single, and no additional discounts are factored in.

When to drop full coverage

There is no clear-cut rule for phasing out full coverage, but there is a guideline you can consider. If the annual cost of having full coverage is about 10% or more of the vehicle’s replacement cost less your deductible, then it may be the right time to buy liability only.

For example, let’s say your Dodge Journey claim settlement value is $4,000 and you have $1,000 physical damage deductibles. If your vehicle is destroyed, the most your company would pay you is $3,000 after paying the physical damage deductible. If you are paying more than $300 a year for your policy with full coverage, then it might be time to consider dropping full coverage.

There are a few situations where only buying liability is not a good idea. If you still owe a portion of the original loan, you have to maintain full coverage as part of the loan requirements. Also, if you don’t have enough money to buy a different vehicle if your current one is damaged, you should not buy liability only.

Companies offer money-saving discounts on Dodge Journey insurance in Orlando

The price of auto insurance can be rather high, but you might be missing out on some discounts to help bring down the price. Some trigger automatically when you get a quote, but some may not be applied and must be specially asked for before they will apply.

• Smart Student Discounts – Being a good student can get you a discount of up to 25%. Many companies even apply the discount to college students until age 25.
• Driver Education Discount – Teen drivers should participate in a local driver’s education class in school or through a local driver safety program.
• Membership in Organizations – Belonging to a qualifying organization is a good way to get lower rates on auto insurance.
• Bundle and Save – When you have multiple policies with the same company you may save at least 10% off all policies.
• Discounts for Good Drivers – Safe drivers can get discounts for up to 45% lower rates as compared to drivers with claims.
• Buy New and Save – Insuring a new Journey can be considerably cheaper because new model year vehicles keep occupants safer.
• Paper-free Discount – Some auto insurance companies give back up to $50 get Orlando auto insurance on their website.

Discounts lower rates, but some of the credits will not apply to all coverage premiums. Most cut specific coverage prices like physical damage coverage or medical payments. So even though it sounds like all those discounts means the company will pay you, it’s just not the way it works.

The example below illustrates the comparison of Dodge Journey insurance rates with and without discounts being applied to the rates. The data is based on a female driver, no accidents or driving violations, Florida state minimum liability limits, full physical damage coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with safe-driver, marriage, homeowner, multi-policy, claim-free, and multi-car discounts applied.

To find providers that offer discounts in Orlando, follow this link.

When should I have guidance from a local insurance agent?

Some people would prefer to sit down with an agent and there is nothing wrong with that. Licensed agents are trained to spot inefficiencies and help file insurance claims. The biggest benefit of comparing insurance prices online is you can get the lowest rates and also buy local. And supporting neighborhood insurance agencies is still important in Orlando.

Once you complete this short form, your insurance data is emailed to insurance agents in Orlando who will give you bids for your business. You won’t need to leave your house due to the fact that quote results will go immediately to you. If you wish to get a rate quote from a specific insurance company, feel free to visit that company’s website to submit a rate quote request.

Independent or Exclusive: It’s your choice

If you prefer to buy insurance from a reputable insurance agent or broker, it’s important to understand the different types of agents and how they work. Insurance agencies are considered either independent agents or exclusive agents. Both can provide insurance policies, but it is a good idea to know how they are different because it can impact the selection process.

Independent Agents

Agents that choose to be independent often have many company appointments and that allows them to write policies through many different insurance companies and get you the best rates possible. To transfer your coverage to a different company, your agent can switch companies which makes it simple for you.

If you are comparing insurance prices, you should always get insurance quotes from a few independent agents so that you can do a thorough price comparison. Many independent agencies also insure through companies you’ve never heard of that may have much lower rates than larger companies.

Below is a list of independent agents in Orlando that can possibly get you free insurance rate quotes.

• National Insurance Agencies
  1005 N Pine Hills Rd – Orlando, FL 32808 – (407) 480-5521 – View Map
• worldwide insurance agency
  4697 Rose Coral Dr #7 – Orlando, FL 32808 – (407) 616-7894 – View Map
• WEGO Insurance Agency, Inc
  520 N Semoran Blvd #270 – Orlando, FL 32807 – (407) 476-7972 – View Map

View more agents

Exclusive Insurance Agents

Agents of this type can only place business with one company like Farmers Insurance, Allstate, or State Farm. Exclusive agencies are unable to give you multiple price quotes so you might not find the best rates. They are highly trained in insurance sales and that allows them to sell at a higher price point. A lot of people buy from exclusive agents partially due to the brand and solid financial strength.

Shown below is a list of exclusive insurance agents in Orlando that can give you price quotes.

• Rick Fowler – State Farm Insurance Agent
  2700 Corrine Dr – Orlando, FL 32803 – (407) 897-8100 – View Map
• Rocco English – State Farm Insurance Agent
  7536 Dr Phillips Blvd #320 – Orlando, FL 32819 – (407) 351-5353 – View Map
• Leigh DelVesco – State Farm Insurance Agent
  3806 Edgewater Dr – Orlando, FL 32804 – (407) 290-8544 – View Map

View more agents

Choosing a car insurance agent should depend on more than just a cheap quote. Before buying a policy in Orlando, get answers to these questions.

• Do the companies they represent have a solid financial rating?
• How many years have they been established?
• Which insurance companies are they affiliated with?
• Is auto insurance their primary focus in Orlando?
• Does the agency provide any after hours assistance?

What is the best auto insurance company in Florida?

Choosing the right auto insurance company can be challenging considering how many companies sell coverage in Orlando. The company ratings shown below may help you pick which auto insurers to look at purchasing from.

Top 10 Orlando Car Insurance Companies Overall

1. Travelers
2. USAA
3. Mercury Insurance
4. AAA Insurance
5. Nationwide
6. Allstate
7. State Farm
8. The Hartford
9. Safeco Insurance
10. Progressive

The best insurance company isn’t always the cheapest

When searching for low cost Orlando auto insurance quotes, don’t be tempted to reduce needed coverages to save money. Too many times, an insured cut comprehensive coverage or liability limits only to regret that a couple dollars of savings turned into a financial nightmare. Your goal is to find the BEST coverage at a price you can afford and still be able to protect your assets.

You just read a lot of tips how to lower your Dodge Journey insurance premium rates in Orlando. The most important thing to understand is the more times you quote, the better your chances of lowering your prices. Consumers could even find that the lowest premium rates are with a smaller regional carrier.

The cheapest Dodge Journey insurance in Orlando is definitely available on the web and from local insurance agents, and you should compare rates from both to have the best rate selection. Some insurance companies don’t offer online price quotes and these regional carriers prefer to sell through independent agents.

Additional detailed information can be found in the articles below:

• Rearview cameras reduce backing crashes (Insurance Institute for Highway Safety)
• What Insurance is Cheapest for Active Military in Orlando? (FAQ)
• Who Has Cheap Car Insurance for a Subaru Outback in Orlando? (FAQ)
• How Much are Car Insurance Quotes for Safe Drivers in Orlando? (FAQ)
• Who Has Cheap Orlando Auto Insurance for Business Use? (FAQ)
• Who Has Cheap Orlando Auto Insurance for Teachers? (FAQ)
• Who Has the Cheapest Auto Insurance for Drivers Under 21 in Orlando? (FAQ)
• What Insurance is Cheapest for Drivers Over Age 60 in Orlando? (FAQ)
• Who Has Cheap Car Insurance Rates for Nurses in Orlando? (FAQ)
• Who Has Affordable Car Insurance Quotes for High School Students in Orlando? (FAQ)
• Neck Injury FAQ (iihs.org)
• How to Avoid Staged Accidents (State Farm)