Affordable Insurance for a Dodge Journey in New Orleans

Discount Dodge Journey insuranceGetting lower-cost New Orleans Dodge Journey insurance quotes can be difficult for people new to price shopping online. With such a big selection of agents and online companies, how are we expected to be able to compare every one to find the cheapest rates?

How to find low-cost rates for Dodge Journey insurance in New Orleans

It takes a few minutes, but the best way to get low-cost car insurance rates in New Orleans is to compare prices once a year from providers in Louisiana. Rate comparisons can be done by following these guidelines.

  1. It will benefit you to learn about how insurance companies determine prices and the modifications you can make to keep rates in check. Many policy risk factors that drive up the price such as traffic violations and an unacceptable credit score can be eliminated by making minor changes in your lifestyle. This article gives the details to get cheaper rates and earn a bigger discount.
  2. Compare prices from independent agents, exclusive agents, and direct companies. Direct companies and exclusive agencies can provide rates from a single company like Progressive and State Farm, while independent agencies can quote prices from multiple insurance companies. Click to view companies
  3. Compare the new quotes to your current policy to see if cheaper Journey coverage is available. If you find a lower rate quote, make sure the effective date of the new policy is the same as the expiration date of the old one.
  4. Notify your agent or company of your intention to cancel your current auto insurance policy and submit payment along with a signed and completed policy application for your new policy. As soon as you can, place your new certificate of insurance in your vehicle.

The most important part of shopping around is to use the same deductibles and limits on every quote and and to look at as many carriers as you can. This helps ensure an accurate price comparison and a better comparison of the market.

It’s well known that car insurance companies don’t want policyholders to shop around. Consumers who shop around for a cheaper policy are inclined to buy a new policy because they have good chances of finding a more affordable policy premium. A survey found that drivers who made a habit of comparing rates saved on average $865 annually as compared to drivers who don’t make a habit of comparing rates.

If finding budget-friendly rates on car insurance is the reason you’re here, learning how to get rate quotes and compare cheaper coverage can help make the process easier and more efficient.

Smart Consumers Save on Insurance

The best way to find cheaper car insurance is to take a look at the rating factors that aid in calculating your premiums. If you have a feel for what influences your rates, this empowers consumers to make smart changes that will entitle you to cheaper rates.

The itemized list below are some of the items companies use to determine your rates.

Analysis of coverages

The premium information displayed below covers estimates of coverage prices for Dodge Journey models. Having knowledge of how rates are formulated can be of help when making decisions on which insurance to purchase.

Dodge Journey Insurance Rates in New Orleans, LA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Journey SE 2WD $276 $412 $436 $26 $130 $1,280 $107
Journey SXT 2WD $276 $502 $436 $26 $130 $1,370 $114
Journey R/T 2WD $312 $502 $436 $26 $130 $1,406 $117
Journey SXT Crew 2WD $312 $502 $436 $26 $130 $1,406 $117
Journey SXT AWD $312 $502 $436 $26 $130 $1,406 $117
Journey R/T AWD $312 $592 $436 $26 $130 $1,496 $125
Journey SXT Crew AWD $312 $592 $436 $26 $130 $1,496 $125
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Data variables include married female driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and Louisiana minimum liability limits. Discounts applied include claim-free, homeowner, multi-policy, multi-vehicle, and safe-driver. Price estimates do not factor in specific zip code location which can modify rates substantially.

Should you buy full coverage?

The example below shows the difference between Dodge Journey auto insurance rates with and without full coverage. The price estimates are based on no driving violations, no at-fault accidents, $250 deductibles, single marital status, and no policy discounts are applied.

When to drop comp and collision

There is no clear-cut formula to eliminate comprehensive and collision coverage on your policy, but there is a general guideline. If the annual cost of your full coverage insurance is more than 10% of the settlement you would receive from your company, then you might want to think about dropping full coverage.

For example, let’s pretend your Dodge Journey replacement cost is $3,000 and you have $1,000 deductibles. If your vehicle is damaged in an accident, the most you would receive is $2,000 after the policy deductible has been paid. If you are paying in excess of $200 annually to have full coverage, then it may be the right time to buy liability only.

There are a few situations where buying only liability insurance is not a good idea. If you haven’t paid off your loan, you are required to maintain full coverage in order to prevent your loan from defaulting. Also, if your finances do not allow you to purchase a different vehicle if your current one is damaged, you should not consider dropping full coverage.

Affordable Dodge Journey insurance in New Orleans

Some providers don’t list every available discount very clearly, so the following list contains both the well known and also the lesser-known discounts that may be available. If you check and find you aren’t receiving every discount you qualify for, it’s possible you qualify for a lower rate.Auto insurance discounts

It’s important to understand that many deductions do not apply to the whole policy. A few only apply to specific coverage prices like liability, collision or medical payments. So even though they make it sound like all the discounts add up to a free policy, companies wouldn’t make money that way.

The diagram below illustrates the comparison of Dodge Journey car insurance costs with and without discounts applied to the premium. The data assumes a male driver, no violations or claims, Louisiana state minimum liability limits, full physical damage coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with safe-driver, marriage, claim-free, multi-car, homeowner, and multi-policy discounts applied.

A few of the larger companies and some of the premium reductions they offer are included below.

When quoting, ask every insurance company to apply every possible discount. Some of the discounts discussed earlier may not apply to policyholders in New Orleans. To see a list of insurance companies offering auto insurance discounts in New Orleans, click this link.

Best car insurance company in New Orleans

Selecting the highest-rated car insurance company is hard considering how many companies are available to choose from in Louisiana. The company ratings displayed below may help you analyze which car insurance providers to look at to insure your vehicles.

Best Car Insurance Companies in Louisiana
Company Value Customer Service Claims Customer Satisfaction A.M Best Rating Overall Score
Travelers 93 98 99 88% A++ 95.1
USAA 83 99 100 91% A++ 94.1
Mercury Insurance 97 96 88 89% A+ 93.4
AAA Insurance 91 95 92 90% A 93.3
Nationwide 85 95 97 89% A+ 92.4
Allstate 77 100 97 88% A+ 90.7
State Farm 80 94 96 88% A++ 90.6
The Hartford 88 93 91 87% A+ 90.4
Safeco Insurance 91 95 85 88% A 90.2
Progressive 88 94 83 88% A+ 90.1
American Family 91 86 95 83% A 89.7
Esurance 86 90 94 90% A+ 89.5
The General 86 93 89 84% A- 88.2
GEICO 79 89 95 87% A++ 87.8
Titan Insurance 86 82 92 86% A+ 86.5
21st Century 86 82 90 84% A 86.4
Liberty Mutual 79 87 95 78% A 85.3
Farmers Insurance 77 80 80 84% A 80.3
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Data Source: Best Car Insurance Companies

Insurance savings summarized

As you shop your coverage around, don’t be tempted to sacrifice coverage to reduce premiums. In many instances, an insured cut comprehensive coverage or liability limits to discover at claim time that saving that couple of dollars actually costed them tens of thousands. The ultimate goal is to purchase plenty of coverage at a price you can afford.

We just covered a lot of techniques to shop for Dodge Journey insurance online. The key thing to remember is the more you quote New Orleans auto insurance, the better likelihood of getting affordable Dodge Journey insurance quotes. You may even be surprised to find that the most savings is with some of the lesser-known companies. Regional companies may have significantly lower rates on certain market segments compared to the large companies like State Farm, GEICO and Nationwide.

How to find the cheapest rates for Dodge Journey insurance in New Orleans

The recommended way to find more affordable car insurance rates in New Orleans is to start comparing rates regularly from insurance carriers in Louisiana. Rate comparisons can be done by following these steps.

Step 1: Learn about car insurance and the changes you can make to prevent expensive coverage. Many factors that result in higher rates such as accidents, traffic violations, and bad credit can be rectified by making minor driving habit or lifestyle changes.

Step 2: Compare prices from direct carriers, independent agents, and exclusive agents. Exclusive and direct companies can only quote rates from one company like Progressive or Farmers Insurance, while agents who are independent can give you price quotes from multiple sources.

Step 3: Compare the new rate quotes to your existing policy and determine if cheaper Journey coverage is available in New Orleans. If you find a better price, make sure there is no lapse in coverage.

An important part of this process is that you’ll want to make sure you compare identical coverage information on each quote and and to compare as many companies as feasibly possible. Doing this provides an apples-to-apples comparison and a complete price analysis.

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