How many times have you said it’s time to compare low-cost Dodge Journey insurance in Portland? Did you fall for a flashy sales pitch and buy an overpriced auto insurance policy? Don’t sweat it because there are many Portland consumers feeling the pinch from expensive auto insurance.
Astonishing but true, nearly 70% of drivers kept buying from the same company for a minimum of four years, and 38% of drivers have never shopped around. Oregon consumers can save about $967 each year just by shopping around, but they don’t want to take the time to shop their coverage around.
Steps to finding more affordable Dodge Journey insurance in Portland
Really, the only way to get cheaper auto insurance rates is to make a habit of comparing prices annually from insurance carriers in Portland.
First, read about how insurance works and the factors you can control to prevent high rates. Many risk factors that drive up the price such as accidents, traffic violations, and a poor credit rating can be remedied by making minor changes to your lifestyle.
Second, compare price quotes from direct, independent, and exclusive agents. Direct companies and exclusive agencies can provide rates from a single company like Progressive and State Farm, while independent agents can provide rate quotes for a wide range of insurance providers.
Third, compare the price quotes to your current policy premium and determine if cheaper Journey coverage is available. If you find a lower rate and make a switch, make sure there is no lapse in coverage.
The most important part of shopping around is to make sure you enter similar coverage information on every quote request and and to get rate quotes from as many carriers as you can. Doing this enables a level playing field and the best price selection.
Insurance companies such as GEICO, Farmers Insurance and State Farm all claim big savings with catchy ads and it is difficult to see past the geckos and flying pigs and do the work needed to find the best deal.
If you have coverage now or are looking for a new policy, use these cost-cutting techniques to save money without sacrificing coverage. Choosing the best insurance company for you in Portland is really quite simple as long as you have a good starting point. You just need to know the tricks to get comparison quotes from multiple carriers.
The companies shown below can provide price quotes in Portland, OR. If your goal is to find cheap car insurance in Portland, OR, it’s a good idea that you get rate quotes from several of them to get the best price comparison.
Dodge Journey insurance statistics and information
The table shown below outlines different insurance coverage prices for Dodge Journey models. Learning more about how auto insurance prices are formulated can help you make informed coverage decisions.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Journey SE 2WD | $172 | $270 | $336 | $20 | $100 | $898 | $75 |
| Journey SXT 2WD | $172 | $328 | $336 | $20 | $100 | $956 | $80 |
| Journey R/T 2WD | $194 | $328 | $336 | $20 | $100 | $978 | $82 |
| Journey SXT Crew 2WD | $194 | $328 | $336 | $20 | $100 | $978 | $82 |
| Journey SXT AWD | $194 | $328 | $336 | $20 | $100 | $978 | $82 |
| Journey R/T AWD | $194 | $388 | $336 | $20 | $100 | $1,038 | $87 |
| Journey SXT Crew AWD | $194 | $388 | $336 | $20 | $100 | $1,038 | $87 |
| Get Your Own Custom Quote Go | |||||||
Price data assumes married female driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Oregon minimum liability limits. Discounts applied include multi-vehicle, multi-policy, safe-driver, claim-free, and homeowner. Price information does not factor in vehicle location which can influence prices considerably.
Where to set your deductibles
One of the most common auto insurance questions is how high or low should comp and collision deductibles be. The data tables below show how much more rates are when you buy lower versus higher coverage deductibles. The first price estimate table uses a $100 physical damage deductible and the second set of prices uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Journey SE 2WD | $274 | $408 | $320 | $18 | $96 | $1,141 | $95 |
| Journey SXT 2WD | $274 | $496 | $320 | $18 | $96 | $1,229 | $102 |
| Journey R/T 2WD | $310 | $496 | $320 | $18 | $96 | $1,265 | $105 |
| Journey SXT Crew 2WD | $310 | $496 | $320 | $18 | $96 | $1,265 | $105 |
| Journey SXT AWD | $310 | $496 | $320 | $18 | $96 | $1,265 | $105 |
| Journey R/T AWD | $310 | $586 | $320 | $18 | $96 | $1,355 | $113 |
| Journey SXT Crew AWD | $310 | $586 | $320 | $18 | $96 | $1,355 | $113 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Journey SE 2WD | $200 | $276 | $320 | $18 | $96 | $910 | $76 |
| Journey SXT 2WD | $200 | $336 | $320 | $18 | $96 | $970 | $81 |
| Journey R/T 2WD | $226 | $336 | $320 | $18 | $96 | $996 | $83 |
| Journey SXT Crew 2WD | $226 | $336 | $320 | $18 | $96 | $996 | $83 |
| Journey SXT AWD | $226 | $336 | $320 | $18 | $96 | $996 | $83 |
| Journey R/T AWD | $226 | $396 | $320 | $18 | $96 | $1,056 | $88 |
| Journey SXT Crew AWD | $226 | $396 | $320 | $18 | $96 | $1,056 | $88 |
| Get Your Own Custom Quote Go | |||||||
Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and Oregon minimum liability limits. Discounts applied include safe-driver, multi-policy, homeowner, claim-free, and multi-vehicle. Rate information does not factor in vehicle garaging location which can affect coverage prices noticeably.
Based on this data, using a $100 deductible could cost the average driver approximately $22 more each month or $264 annually across all Dodge Journey models than requesting the higher $500 deductible. Since the policyholder would be required to pay $400 more out-of-pocket with a $500 deductible as compared to a $100 deductible, if you tend to go at least 18 months between claim filings, you would probably come out ahead if you decide on a higher deductible.
The information below demonstrates how choosing different deductibles and can affect Dodge Journey insurance premiums for each different age category. The data assumes a single female driver, full coverage, and no additional discounts are factored in.
Auto insurance rates based on gender
The example below visualizes the comparison of Dodge Journey insurance costs for male and female drivers. The rate quotes are based on no claims, a clean driving record, full coverage, $500 deductibles, marital status is single, and no additional discounts are factored in.
Liability only or full coverage
The diagram below shows the difference between Dodge Journey premium costs with full physical damage coverage and with liability coverage only. The price estimates are based on no violations or accidents, $100 deductibles, drivers are single, and no discounts are factored in.
Guidelines for dropping full coverage
There isn’t a written rule to delete comp and collision coverage, but there is a general guideline you can use. If the annual cost of coverage is about 10% or more of the vehicle’s replacement cost less your deductible, then you might want to consider buying only liability coverage.
For example, let’s say your Dodge Journey settlement value is $3,000 and you have $1,000 full coverage deductibles. If your vehicle is totaled in an accident, you would only receive $2,000 after paying your deductible. If you are currently paying more than $200 annually for full coverage, then it could be time to drop full coverage.
There are a few cases where removing full coverage is not recommended. If you still owe money on your vehicle, you have to maintain full coverage to satisfy the loan requirements. Also, if you can’t afford to buy a different vehicle in case of an accident, you should keep full coverage in place.
Why you need auto insurance
Despite the high cost of buying insurance for a Dodge Journey in Portland, maintaining insurance may be required and benefits you in several ways.
- The majority of states have compulsory liability insurance requirements which means the state requires specific limits of liability in order to drive the car legally. In Oregon these limits are 25/50/20 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $20,000 of property damage coverage.
- If you took out a loan on your Dodge Journey, more than likely the lender will make it a condition of the loan that you have full coverage to guarantee payment of the loan. If you let the policy lapse, the lender may insure your Dodge at a more expensive rate and force you to pay for the expensive policy.
- Auto insurance preserves both your Dodge Journey and your personal assets. It will also reimburse you for medical expenses for not only you but also any passengers injured in an accident. One policy coverage, liability insurance, also covers legal expenses if someone files suit against you as the result of an accident. If your car is damaged in a storm or accident, comprehensive and/or collision insurance will pay all costs to repair after the deductible has been paid.
The benefits of buying enough insurance definitely exceed the cost, especially if you ever need it. Unknowingly, the average driver is overpaying more than $700 annually so compare rate quotes every year to ensure rates are inline.
Car insurance coverages for a Dodge Journey
Having a good grasp of your insurance policy helps when choosing appropriate coverage and proper limits and deductibles. The terms used in a policy can be ambiguous and coverage can change by endorsement. Below you’ll find typical coverages offered by insurance companies.
Collision protection
This covers damage to your Journey resulting from colliding with a stationary object or other vehicle. You will need to pay your deductible then your collision coverage will kick in.
Collision coverage pays for claims like damaging your car on a curb, sustaining damage from a pot hole and hitting a mailbox. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are older. Another option is to increase the deductible on your Journey to save money on collision insurance.
Uninsured/Underinsured Motorist coverage
This gives you protection from other motorists when they do not carry enough liability coverage. It can pay for medical payments for you and your occupants as well as damage to your Dodge Journey.
Because many people have only the minimum liability required by law (25/50/20 in Oregon), their liability coverage can quickly be exhausted. So UM/UIM coverage is important protection for you and your family. Usually your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.
Coverage for liability
Liability insurance provides protection from damage or injury you incur to other’s property or people in an accident. Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see policy limits of 25/50/20 which stand for a limit of $25,000 per injured person, $50,000 for the entire accident, and a limit of $20,000 paid for damaged property. Alternatively, you may have a combined single limit or CSL that pays claims from the same limit with no separate limits for injury or property damage.
Liability can pay for things such as bail bonds, court costs, pain and suffering, attorney fees and legal defense fees. How much coverage you buy is up to you, but consider buying as high a limit as you can afford. Oregon requires minimum liability limits of 25/50/20 but drivers should carry higher limits.
The chart below shows why the minimum limit may not be high enough to cover claims.
Medical payments coverage and PIP
Personal Injury Protection (PIP) and medical payments coverage provide coverage for expenses for ambulance fees, surgery, pain medications, prosthetic devices and nursing services. They are often used to fill the gap from your health insurance program or if you lack health insurance entirely. It covers not only the driver but also the vehicle occupants and also covers any family member struck as a pedestrian. Personal injury protection coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage
Comprehensive coverage
Comprehensive insurance coverage will pay to fix damage that is not covered by collision coverage. You need to pay your deductible first then your comprehensive coverage will pay.
Comprehensive coverage pays for claims like hail damage, damage from getting keyed, fire damage and vandalism. The maximum payout your insurance company will pay is the actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.
Compare auto insurance rates regularly to save
When searching for affordable Portland car insurance quotes, it’s very important that you do not sacrifice coverage to reduce premiums. There are a lot of situations where an insured dropped uninsured motorist or liability limits only to discover later that a couple dollars of savings turned into a financial nightmare. The goal is to purchase a proper amount of coverage for the lowest cost, but do not sacrifice coverage to save money.
Cheaper Dodge Journey insurance in Portland is definitely available on the web and from local agencies, and you need to price shop both in order to have the best chance of saving money. Some insurance companies do not offer the ability to get quotes online and these regional insurance providers work with independent agents.
You just read many ways to compare Dodge Journey insurance premium rates in Portland. The key concept to understand is the more price quotes you have, the more likely it is that you will get a better rate. You may even discover the biggest savings come from a lesser-known regional company. These companies can often provide lower prices in certain areas as compared to the big name companies such as Progressive and GEICO.
Steps to finding discount Dodge Journey insurance in Portland
To save the most money, the best way to find affordable quotes for auto insurance rates is to compare prices at least once a year from different companies who provide auto insurance in Portland.
- First, spend a few minutes and learn about how auto insurance works and the things you can change to keep rates low. Many risk factors that are responsible for high rates such as distracted driving and an imperfect credit rating can be controlled by making minor changes to your lifestyle.
- Second, compare prices from direct, independent, and exclusive agents. Direct and exclusive agents can provide rates from a single company like Progressive or State Farm, while agents who are independent can quote prices from multiple companies.
- Third, compare the new rate quotes to the premium of your current policy to see if a cheaper price is available. If you find better rates and change companies, make sure coverage does not lapse between policies.
One bit of advice is to try to compare the same amount of coverage on every price quote and and to compare as many companies as you can. This enables the most accurate price comparison and the best price selection.
More tips and info about auto insurance can be read at these sites:
- Steps to Take After an Auto Accident (Insurance Information Institute)
- Who Has Cheap Car Insurance Rates for a Ford Fusion in Portland? (FAQ)
- What Insurance is Cheapest for a Toyota Camry in Portland? (FAQ)
- Who Has Affordable Car Insurance for State Employees in Portland? (FAQ)
- What Car Insurance is Cheapest for a Ford F-150 in Portland? (FAQ)
- Teen Driving Statistics (iihs.org)
- Event Data Recorders FAQ (iihs.org)
- Protecting Teens from Drunk Driving (Insurance Information Institute)
- Rental Car Insurance Tips (Insurance Information Institute)