I can’t think of a single person who gets a kick out of paying for car insurance, especially when they are aware that the cost is too high. Companies like Allstate, Progressive and GEICO promote their brand names with advertising and consumers find it hard to ignore the promise of big savings and take the time to shop coverage around.
You need to quote other rates once or twice a year because car insurance prices trend upward over time. Even if you got the best deal for Journey insurance two years ago you will most likely find a better premium rate today. Forget all the misinformation about car insurance because you’re going to learn how to quote online to lower your annual insurance bill.
Insurance Cost Influencing Factors
One of the most helpful ways to save on car insurance is to to have a grasp of a few of the rating criteria that go into determining the level of your policy premiums. If you understand what controls the rates you pay, this allows you to make educated decisions that may reward you with lower rates.
- Insurance rates for married couples – Having a significant other actually saves money on your car insurance policy. Having a significant other demonstrates that you tend to be more mature and statistics prove drivers who are married are more cautious.
- Fewer miles means better prices – The more miles you rack up on your Dodge each year the more you’ll pay to insure it. Most companies calculate prices based upon how you use the vehicle. Vehicles that do not get driven very much cost less to insure than vehicles that have high annual mileage. Ask your agent if your car insurance coverage is showing the correct usage. A policy that improperly rates your Journey may be costing you.
- Good credit means lower rates – An insured’s credit history is a big factor in determining premium rates. If your credit score leaves room for improvement, you could pay less to insure your Dodge Journey if you clean up your credit. People with excellent credit scores tend to be more responsible than drivers who have lower credit scores.
- Better drivers pay less – How you drive impacts premiums far more than you think. Careful drivers have lower premiums than bad drivers. Getting just one chargable violation may increase your cost by as much as twenty percent. People who have careless tickets like DUI or reckless driving may find that they have to to submit a SR-22 form with the DMV in their state in order to prevent their license from being revoked.
- Save money by eliminating extra policy coverages – There are a ton of extra add-on coverages you can purchase on your car insurance policy. Coverage for things like coverage for rental cars, death and dismemberment, and membership fees may be costing you every month. They may seem like a good idea when deciding what coverages you need, but now you might not need them so consider taking them off your policy.
- Amount of liability insurance – The liability section of your policy will protect you in the event that a court rules you are at fault for causing personal injury or damage in an accident. Liability insurance provides you with a defense in court starting from day one. Liability insurance is quite affordable compared to insuring for physical damage coverage, so drivers should make sure they buy enough to cover all assets.
- Employer can influence prices – Occupations such as doctorsairline pilots and financial analysts have higher rates than average due to intense work requirements and long work hours. On the other hand, occupations like scientists, engineers and homemakers have lower than average premiums for Journey insurance.
- Do you qualify for a multi-policy discount? – Some insurers will award lower prices to policyholders who consolidate policies with them, otherwise known as a multi-policy discount. The amount of the discounts can be ten or even fifteen percent. Even if you’re getting this discount you may still want to compare rates to verify if the discount is saving money.
There are multiple methods to shop for car insurance, but one way is less time-consuming than others. You could spend the better part of a day talking about coverages with agents in San Antonio, or you could save time and use online quoting to get rate comparisons in just a few minutes.
Many popular insurance companies belong to an insurance system that enables customers to complete one form, and every company then gives them pricing based on that information. This eliminates the need for repetitive form submissions to every company. To compare rates using this form now click here to open in new window.
The one disadvantage to comparing rates this way is you can’t choose the providers to receive prices from. So if you want to select individual companies for rate comparison, we have assembled a list of the cheapest car insurance companies in Texas. View list of Texas insurance companies.
It’s up to you how you get prices quotes, just be sure to compare the exact same coverage data on every price quote you get. If you use different values for each quote it’s impossible to make an equal comparison in San Antonio.
Save money with discounts
Car insurance companies do not advertise every available discount very well, so the following is a list of some of the more common as well as some of the hidden discounts that you may qualify for.
- Telematics Data – Drivers who elect to allow their company to look at vehicle usage by installing a telematics device such as State Farm’s In-Drive might see lower rates as long as they are good drivers.
- Seat Belts Save more than Lives – Requiring all passengers to buckle up can save up to 10 percent (depending on the company) off the medical payments premium.
- Distant Student – who are enrolled in a college that is more than 100 miles from home without a vehicle on campus may qualify for this discount.
- Anti-theft System – Vehicles equipped with anti-theft or alarm systems prevent vehicle theft and can earn a small discount on your policy.
- Air Bag Discount – Factory options such as air bags and/or automatic seat belt systems can get savings of more than 20%.
Just know that most discounts do not apply to your bottom line cost. The majority will only reduce the cost of specific coverages such as liability and collision coverage. So even though it sounds like all those discounts means the company will pay you, you won’t be that lucky.
For a list of insurance companies who offer car insurance discounts in San Antonio, click here.
Additional information is available on the through this link. Consumers can read industry bulletins, find out which companies have the most complaints, and find a variety of consumer forms.
More related San Antonio car insurance information:
In Summary
As you shop your coverage around, make sure you don’t buy poor coverage just to save money. In too many instances, consumers will sacrifice full coverage and discovered at claim time they didn’t purchase enough coverage. The aim is to buy enough coverage at the best cost and still be able to protect your assets.
In this article, we presented quite a bit of information on how to reduce Dodge Journey insurance auto insurance rates online. The most important thing to understand is the more you , the better your chances of lowering your premium rates. Consumers may even find the biggest savings come from an unexpected company. Smaller companies can often insure niche markets at a lower cost than their larger competitors like Allstate or State Farm.