Locating cheaper insurance for your Dodge Journey in Texas can turn out to be difficult, but you can learn the following methods to make it easier. There are both good and bad ways to buy auto insurance so you’re going to learn the absolute fastest way to quote coverages on a Dodge and find the lowest possible price either online or from Houston insurance agents.
If you are paying for car insurance now, you will most likely be able to reduce your rates substantially using these methods. Finding more affordable auto insurance coverage in Houston is simple if you know the tricks. But Texas car owners do need to learn the way insurance companies price online insurance and take advantage of how the system works.
Performing a rate comparison can take time and effort if you aren’t aware of the most efficient way. You could spend the better part of a day talking to insurance companies in Houston, or you could save time and use online quotes to quickly compare rates.
Many of the larger companies participate in a marketplace that allows shoppers to send in one quote, and each company can provide price quotes for coverage. This system prevents you from having to do quotation requests for each company you want a rate for.
To compare pricing click to open in new window.
The one downside to getting quotes like this is you don’t know exactly which companies to get quotes from. So if you want to select specific providers to compare, we have a listing of companies who write auto insurance in Texas. Click to view list.
You can use whichever method you prefer to find lower rates, just make sure you use exactly the same coverage limits with each company. If each company quotes different values for each quote you can’t possibly truly determine the lowest rate in Houston. Having just a slight variation in insurance coverages or limits can result in a big premium difference. It’s important to know that more quotes will enable you to find a lower rate.
Use discounts on Texas auto insurance
Companies don’t always publicize the complete list of policy discounts in an easy-to-find place, so the following is a list of a few of the more common and the more hidden discounts that you can inquire about if you .
- Buy New and Save – Putting auto insurance coverage on a new car can cost up to 25% less because newer vehicles keep occupants safer.
- Data Collection Discounts – Insureds that choose to allow their auto insurance company to analyze driving manner by using a telematics device such as In-Drive from State Farm or Allstate’s Drivewise system may see discounts if they have good driving habits.
- Seat Belts Save – Drivers who always wear seat belts and also require passengers to buckle up can save up to 10 percent (depending on the company) off PIP or medical payments premium.
- Claim-Free Discount – Good drivers with no accidents are rewarded with significantly better rates on in comparison to insureds who have frequent claims or accidents.
- Early Switch Discount – A few auto insurance companies allow discounts for buying a policy prior to your current policy expiring. It can save you around 10%.
- Government Employee Discount – Active or former government employment could cut as much as 10% off on Journey insurance depending on your company.
- Anti-lock Brake System – Vehicles that have steering control and anti-lock brakes prevent accidents and therefore earn up to a 10% discount.
- No Charge for an Accident – This one is not really a discount per se, but a few companies such as Allstate and State Farm allow you one accident before your rates go up if your claims history is clear before the accident.
- Distant College Student Discount – Older children who live away from home to go to college and do not have access to a covered vehicle may qualify for this discount.
It’s important to understand that most discount credits are not given to the entire policy premium. Most cut specific coverage prices like physical damage coverage or medical payments. Despite the fact that it seems like it’s possible to get free car insurance, you’re out of luck. Any qualifying discounts should definitely cut the cost of your policy.
Some companies that may include some of the above discounts may include but are not limited to:
If you need , ask each insurance company which discounts can lower your rates. Depending on the company, some discounts may not be available in your state. To see a list of auto insurance companies that offer the discounts shown above in Texas, click here to view.
Tailor your auto insurance coverage to you
When choosing the right insurance coverage, there really is not a cookie cutter policy. Everyone’s needs are different.
Here are some questions about coverages that can aid in determining if your situation would benefit from an agent’s advice.
- Do I pay less if my vehicle is kept in my garage?
- Am I covered by my employer’s commercial auto policy when driving my personal car for business?
- Does my car insurance cover rental cars?
- Do I benefit by insuring my home with the same company?
- Do no-fault laws apply in Texas?
- Does medical payments coverage apply to all occupants?
- What if I total my Dodge Journey and owe more than it’s worth?
If you can’t answer these questions then you might want to talk to a licensed insurance agent. If you don’t have a local agent, take a second and complete this form.
Additional detailed information can be found at the Texas Department of Insurance website. Consumers can find out which companies have the most complaints, read consumer alerts, view agent and company licensing information, and read state legal mandates and laws.
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- Insider Advice on Lower Houston Car Insurance
- Secret Techniques for Buying Houston Texas Car Insurance for Less Money
Cheaper auto insurance is a realistic goal
Affordable Dodge Journey insurance can be found both online as well as from independent agents in Houston, and you should compare rates from both to have the best rate selection. Some insurance companies may not offer online rate quotes and usually these smaller companies provide coverage only through independent agencies.
We covered many ideas to reduce Dodge Journey insurance rates online. The key thing to remember is the more price quotes you have, the higher your chance of finding . You may be surprised to find that the biggest savings come from the least-expected company.
People switch companies for a variety of reasons including not issuing a premium refund, high rates after DUI convictions, delays in paying claims or even extreme rates for teen drivers. It doesn’t matter why you want to switch finding a new auto insurance company is less work than it seems.