Affordable Insurance for a Dodge Journey in Atlanta

Want to learn how to save money and find low-cost Dodge Journey insurance in Atlanta? Searching for the cheapest insurance for your Dodge Journey in Georgia can be a painful process, but you can learn a few tricks and make it easy. There are more efficient ways to shop for insurance so we’re going to tell you the best way to price shop coverage for a new or used Dodge and find the lowest possible price from both online companies and Atlanta agents.

It’s important to compare premium rates as often as possible because insurance prices are constantly changing. Just because you had the best deal on Dodge Journey insurance in Atlanta a year ago there may be better deals available now. Forget anything you know (or think you know) about insurance because you’re about to learn the easiest way to find better rates and still maintain coverage.

Why Your Insurance Rates might be higher

Multiple criteria are taken into consideration when premium rates are determined. Some are pretty understandable such as your driving history, but other factors are less apparent like your vehicle usage or your financial responsibility.

Save money by raising coverage deductibles – Physical damage protection, aka comp and collision, covers your vehicle from damage. A few examples of covered claims would be running into the backend of another car, damage caused by hail, and damage caused by flying debris. Your deductibles are the amount of money you are willing to pay before your insurance pays a claim. The more of the claim you are required to pay out-of-pocket, the less your company will charge you for insurance.

Urban residents pay more – Living in smaller towns and rural areas of the country has definite advantages when shopping for auto insurance. People who live in big cities have to deal with more auto accidents and much longer commute distances. Fewer drivers means a lower chance of having an accident and also fewer theft and vandalism claims.

Your credit score is important – Credit rating will be a significant factor in your rate calculation. Consumers who have excellent credit tend to file fewer claims and have better driving records as compared to drivers with poor credit. Therefore, if your credit rating is not that good, you could save money insuring your Dodge Journey by spending a little time repairing your credit.

Teen drivers are expensive to insure – Teenage drivers in Georgia are known to be easily distracted when driving with friends so they pay higher insurance rates. Having to add a young driver onto a policy can cause a big jump in price. Older insureds are more cautious drivers, file fewer claims, and are generally more financially stable.

Always keep your policy in place – Driving any period of time without insurance can get your license suspended and as a result your rates will increase for letting your coverage have a gap. Not only will you pay more, the inability to provide proof of insurance may earn you fines or a revoked license. You could then be forced to provide proof of insurance in the form of an SR-22 filing with the Georgia motor vehicle department to get your license reinstated.

Incidental coverages that aren’t used – There are a lot of additional coverages you can purchase if you aren’t diligent. Things like personal injury protection, towing coverage, and Farm Bureau memberships may not be needed and are just wasting money. You may think they are a good idea when talking to your agent, but if you don’t need them consider taking them off your policy.

Fewer miles means better costs – The higher the mileage driven every year the more it will cost to insure it. Most companies rate vehicles based on their usage. Vehicles that have low annual miles cost less to insure than those used for commuting. Improper usage on your Journey can result in significantly higher rates. It’s always a good idea to double check that your insurance declarations sheet correctly shows the right rating data.

Loss probability for a Dodge Journey – Insurance companies factor in insurance loss information when determining insurance rates. Models that have higher claim amounts or frequency will have a higher cost to insure. The table below illustrates the insurance loss data for Dodge Journey vehicles.

For each coverage type, the loss probability for all vehicles, regardless of manufacturer or model, equals 100. Values below 100 indicate a favorable loss history, while numbers above 100 point to more frequent losses or tendency to have larger claims.

All the larger insurance companies allow you to get prices for coverage from their websites. Comparing Dodge Journey insurance rates online is possible for anyone as you just enter your required coverages into a form. After the form is submitted, the company’s rating system collects your credit score and driving record and returns pricing information determined by many factors.

This helps simplify price comparisons, and it is important to compare as many rates as possible if you are searching for the cheapest insurance rates.

To save time and compare rates using this form now, check out the insurance providers below. If you have a policy now, it’s recommended you copy the insurance coverages identical to your current policy. This helps ensure you will have a rate comparison for the exact same coverage.

The companies shown below are ready to provide free rate quotes in Atlanta, GA. If several companies are displayed, it’s highly recommended you get rates from several of them to get a more complete price comparison.

Table data assumes married female driver age 40, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Georgia minimum liability limits. Discounts applied include claim-free, safe-driver, multi-vehicle, homeowner, and multi-policy. Rate information does not factor in garaging location in Atlanta which can revise premiums greatly.

An analysis of deductible level

The example below demonstrates how choosing different deductibles and can increase or decrease Dodge Journey yearly insurance costs for different age groups. The premium estimates are based on a married male driver, comp and collision included, and no additional discounts are factored in.

Deductible comparison

One of the more difficult decisions when buying car insurance is how low should you set your deductibles. The tables below may help to conceptualize the rate difference between low and high physical damage deductibles. The first set of prices uses a $250 physical damage coverage deductible and the second pricing table uses a $500 deductible.

Cost estimates assume married male driver age 30, no speeding tickets, no at-fault accidents, and Georgia minimum liability limits. Discounts applied include claim-free, multi-vehicle, multi-policy, safe-driver, and homeowner. Rates do not factor in specific garaging location which can decrease or increase insurance rates significantly.

Based on this data, we can arrive at the conclusion that using a $250 deductible will cost in the ballpark of $16 more each month or $192 a year than requesting the higher $500 deductible. Because you would be required to pay $250 more out of your own pocket with a $500 deductible as compared to a $250 deductible, if you tend to go at least 16 months between claims, you would most likely save money by going with a higher deductible.

Insurance does more than just repair your car

Even though Atlanta Journey insurance rates can get expensive, maintaining insurance is required for several reasons.

• Almost all states have compulsory liability insurance requirements which means you are required to carry a specific level of liability protection if you want to drive legally. In Georgia these limits are 25/50/25 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.
• If your vehicle has a lien holder, almost every bank will require you to have full coverage to guarantee their interest in the vehicle. If you let the policy lapse, the bank or lender will purchase a policy for your Dodge at an extremely high rate and force you to reimburse them the higher premium.
• Insurance safeguards not only your Dodge but also your assets. It also can pay for all forms of medical expenses for not only you but also any passengers injured in an accident. Liability insurance also pays expenses related to your legal defense if you are sued as the result of an accident. If your vehicle suffers damage from an accident or hail, collision and comprehensive (also known as other-than-collision) coverage will cover the damage repairs after a deductible is paid.

The benefits of insuring your Journey more than cancel out the cost, especially with large liability claims. In a recent study of 1,000 drivers, the average customer is wasting up to $865 each year so smart consumers compare quotes at least once a year to help ensure money is not being wasted.

Save a ton by taking advantage of discounts

Companies do not list every discount very clearly, so here is a list both the well known and also the more inconspicuous credits available to lower your premiums when you buy Atlanta auto insurance online.

• Anti-lock Brakes – Anti-lock brake equipped vehicles can avoid accidents and qualify for as much as a 10% discount.
• Pay Early and Save – If you pay your entire premium ahead of time instead of monthly or quarterly installments you can avoid the installment charge.
• Early Switch Discount – A few companies give discounts for buying a new policy prior to your current Journey insurance policy expiration. The savings is around 10%.
• Club Memberships – Being a member of a professional or civic organization could earn you a nice discount when shopping for insurance.
• Savings for New Vehicles – Putting insurance on a new Journey may earn a small discount since new model year vehicles are generally safer.
• Good Student – This discount can be rewarded with saving of up to 25%. Many companies even apply the discount to college students up to age 25.
• Student in College – Youth drivers living away from Atlanta attending college without a vehicle on campus could qualify for this discount.
• Accident Forgiveness Coverage – This one is not really a discount per se, but companies like Allstate and State Farm will forgive one accident without the usual rate increase with the catch being you have to be claim-free prior to the accident.

A quick disclaimer, some credits don’t apply to your bottom line cost. Most only apply to individual premiums such as physical damage coverage or medical payments. If you do the math and it seems like it’s possible to get free car insurance, companies don’t profit that way. Any amount of discount will positively reduce the cost of coverage.

To choose companies that can offer you the previously mentioned discounts in Georgia, click here to view.

What if I want to buy from local Atlanta insurance agents?

Many drivers just prefer to talk to a local agent. Good agents are very good at helping people manage risk and help you file claims. The best thing about comparing insurance prices online is the fact that drivers can get the best rates and still buy from a local agent.

To help locate an agent, after submitting this form (opens in new window), your insurance coverage information is submitted to agents in your area that provide free Atlanta auto insurance quotes for your insurance coverage. It simplifies rate comparisons since you won’t have to leave your computer as quotes are delivered immediately to your email address. If you need to quote rates from one company in particular, you can always navigate to their website and submit a quote form there.

Choosing the best provider requires you to look at more than just the bottom line cost. These are some valid questions you should ask.

• When do they do a full risk review?
• Do they feel the quoted coverages are adequate?
• Which insurance companies are they affiliated with?
• Do they offer accident forgiveness?
• Are there any extra charges for paying monthly?
• Will vehicle repairs be made with aftermarket parts or OEM replacement parts?
• By raising physical damage deductibles, how much would you save?

Is an exclusive or independent auto insurance agent right for you?

If you are searching for a reputable insurance agent or broker, you should know the different types of agencies and how they can service your needs differently. Auto insurance agents in Atlanta can be classified as either exclusive or independent (non-exclusive). Either type can handle auto insurance, but it’s important to know how they differ because it can factor into the type of agent you choose.

Exclusive Auto Insurance Agencies

Agents that elect to be exclusive can usually just insure with one company and examples are State Farm, Allstate, or Farmers Insurance. They are unable to provide prices from multiple companies so they really need to provide good service. Exclusive insurance agents receive a lot of sales training on sales techniques which helps offset the inability to provide other markets. Consumers often buy from exclusive agents primarily because of the prominence of the brand rather than having low rates.

The following are Atlanta exclusive insurance agents who can help you get price quotes.

• Eddie Sanders – State Farm Insurance Agent
  47 Perimeter Center E #130 – Atlanta, GA 30346 – (770) 394-5068 – View Map
• American Family Insurance – Sheree Johnson
  1218 Fairburn Rd SW #204 – Atlanta, GA 30331 – (404) 682-1940 – View Map
• Aaron Frazier – State Farm Insurance Agent
  NE, 4246 Peachtree Rd NE #7 – Atlanta, GA 30319 – (404) 233-4847 – View Map

View more Atlanta agents

Independent Auto Insurance Agencies

Agents that choose to be independent are not limited to a single company so they can write business through many companies and find the cheapest auto insurance rates. To move your coverage to a new company, an independent agent can move your coverage and you won’t have to switch agencies.

When comparing auto insurance rates, you need to get some free quotes from a few independent agents to maximize your price options. Most also write with mutual insurance companies that may have much lower rates than larger companies.

Shown below is a short list of independent insurance agents in Atlanta that are able to give rate quotes.

• Morris and Templeton Insurance
  3405 Piedmont Rd NE #500 – Atlanta, GA 30305 – (912) 355-4549 – View Map
• Cascade Heights Insurance Agency
  833 Cascade Ave SW e – Atlanta, GA 30311 – (404) 758-7811 – View Map
• Snellings Walters Insurance Agency
  1117 Perimeter Center W – Atlanta, GA 30338 – (770) 396-9600 – View Map

View more Atlanta agents

If you receive good answers to any questions you may have as well as a affordable price, it’s a good possibility that you have found an insurance agent that can be relied on to adequately provide auto insurance. Keep in mind you are entitled to terminate coverage for any reason so don’t assume that you are permanently stuck with any specific company for the entire policy term.

You can find cheaper coverage

People leave their current company for a number of reasons such as high prices, delays in paying claims, questionable increases in premium and even delays in responding to claim requests. Regardless of your reason, finding a new car insurance company can be easier than you think.

When getting Atlanta auto insurance quotes online, it’s very important that you do not buy poor coverage just to save money. Too many times, an insured cut liability limits or collision coverage and learned later that saving that couple of dollars actually costed them tens of thousands. The goal is to buy enough coverage for the lowest price while still protecting your assets.

In this article, we covered quite a bit of information on how to shop for Dodge Journey insurance online. The key concept to understand is the more quotes you get, the more likely it is that you will get a better rate. You may even be surprised to find that the best price on car insurance is with a small mutual company.

Additional detailed information can be read by following these links:

• Frontal Crash Tests (iihs.org)
• Who Has Affordable Atlanta Car Insurance Quotes for a Dodge Journey? (FAQ)
• Who Has Cheap Atlanta Auto Insurance for 19 Year Olds? (FAQ)
• Teen Driving Statistics (iihs.org)
• Protect Yourself Against Auto Theft (Insurance Information Institute)
• Side airbags reduce rollover fatalities (Insurance Institute for Highway Safety)
• Automakers compete to add autobraking (Insurance Institute for Highway Safety)