How to Compare Henderson Dodge Journey Insurance

A study showed that over 70% of consumers renewed their policy with the same company for at least four years, and roughly 40% of drivers have never compared quotes from other companies. Henderson drivers could pocket approximately 35% a year by just comparing rate quotes, but they just don’t understand how much they could save if they moved their coverage to a different company.

If saving money is your primary concern, then the best way to get budget Dodge Journey insurance is to begin comparing prices regularly from companies in Henderson. Prices can be compared by following these guidelines.

Step 1: Try to comprehend how car insurance works and the steps you can take to prevent expensive coverage. Many policy risk factors that drive up the price like your driving record and an imperfect credit history can be eliminated by making minor changes in your lifestyle. Later in this article we will cover more information to help reduce premium rates and find hidden discounts.

Step 2: Compare price quotes from direct carriers, independent agents, and exclusive agents. Direct and exclusive agents can provide rates from one company like GEICO and State Farm, while independent agencies can give you price quotes for a wide range of companies.

Step 3: Compare the new quotes to the price on your current policy and see if you can save money. If you find better rates and make a switch, make sure there is no coverage gap between policies.

Step 4: Notify your agent or company to cancel the current policy and submit payment and a signed application to the new insurer. Make sure you keep your new certificate verifying coverage along with the vehicle’s registration papers.

One piece of advice is that you’ll want to compare identical coverage information on every price quote and and to get prices from as many car insurance companies as possible. This enables an apples-to-apples comparison and the best price quote selection.

Finding affordable insurance coverage in Henderson seems hard but is not really that difficult. If you currently have a car insurance policy, you will surely be able to lower your rates using the techniques presented in this article. Shoppers just need to use the least time-consuming way to find the lowest price from many different companies online.

Affordable car insurance in Henderson, NV

The companies in the list below have been selected to offer price quotes in Henderson, NV. To find cheaper auto insurance in NV, we recommend you click on several of them to get the lowest price.

Dodge Journey coverage analysis

The rate table displayed next covers detailed analysis of policy rates for Dodge Journey models. Having insight into how auto insurance policy rates are calculated can benefit drivers when making informed decisions when comparing rate quotes.

Data variables include single female driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and Nevada minimum liability limits. Discounts applied include homeowner, safe-driver, multi-policy, claim-free, and multi-vehicle. Prices do not factor in your specific Henderson location which can raise or lower auto insurance rates considerably.

The information below highlights how deductible choice and can impact Dodge Journey insurance premiums for different age groups of insureds. The premiums are based on a single male driver, comp and collision included, and no additional discounts are factored in.

Reduce Insurance Rates with These Tips

Lots of factors are used when you quote your car insurance policy. A few of the factors are predictable such as traffic violations, but some are more obscure like where you live or your vehicle rating.

• Responsible drivers have lower costs – Good drivers tend to pay less for car insurance than people who have multiple driving citations. Only having one speeding ticket can increase rates forty percent or more. Drivers who get severe violations such as DUI or reckless driving may find they need to submit a SR-22 form with their state’s department of motor vehicles in order to drive a vehicle legally.

  The example below illustrates how speeding tickets and fender-benders can affect Dodge Journey car insurance rates for different age groups. The premiums assume a single female driver, comp and collision included, $500 deductibles, and no policy discounts are applied.

• Teen drivers pay higher rates – Older people are more cautious drivers, cause fewer claims and accidents, and tend to be get fewer driving tickets. Drivers with little experience are proven to be inattentive when at the wheel of a vehicle and because of this, their insurance rates are much higher.

  The data below is based on a single driver, full coverage with $250 deductibles, and no discounts or violations.

• High deductibles save money – Comprehensive and collision coverage deductibles define how much you are willing to pay out-of-pocket before a claim is paid by your company. Protection for physical damage, commonly called comprehensive (or other-than-collision) and collision coverage, is used to repair damage to your car. Examples of some claims that would be covered are collision with another vehicle, fire damage, and damage caused by road hazards. The larger the amount the insured has to pay upfront, the less money you will pay for insurance.

• Gender and insurance coverage rates – Over time, data shows females are less aggressive when driving. It does not mean women are BETTER drivers than men. Both sexes are in auto accidents in similar numbers, but guys tend to have more serious accidents. Men also tend to get more serious tickets such as reckless driving.

  The information below compares Dodge Journey insurance costs for male and female drivers. The premiums assume a clean driving record, no claims, full physical damage coverage, $100 deductibles, single status, and no discounts are applied to the premium.

• Insurance losses for a Dodge Journey – Companies analyze the history of losses to help calculate a profitable premium rate. Models that the statistics show to have high amounts or severity of claims will cost more to insure.

  The next table shows the compiled insurance loss statistics for Dodge Journey vehicles. For each insurance policy coverage type, the claim probability for all vehicles, regardless of make, model or trim level, equals 100. Percentage numbers below 100 indicate better than average losses, while numbers above 100 indicate frequent claims or an increased probability of a larger loss.

  
  

  Insurance Loss Ratings for Dodge Journey Vehicles

  Make and Model	Collision	Property Damage	Comp	Personal Injury	Medical Payment	Bodily Injury
  Dodge Journey 4dr 2WD	80	92	80	148	163	131
  Dodge Journey 4dr 4WD	96	116	71	96

  BETTER

  AVERAGE

  WORSE

  Empty fields indicate not enough data collected
  Data Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

Cheaper rates with these discounts

The cost of insuring your cars can be expensive, but you might already qualify for some discounts that could help you make your next renewal payment. Certain discounts will be applied when you complete an application, but once in a while a discount must be asked about prior to receiving the credit.

• Theft Prevention System – Vehicles optioned with advanced anti-theft systems are less likely to be stolen and will save you 10% or more on Journey insurance in Henderson.
• Accident Free – Drivers who don’t have accidents can earn big discounts compared to frequent claim filers.
• Online Discount – A few larger online companies may give you up to $50 for buying a policy and signing up over the internet.
• Driver Education Discount – Make teen driver coverage more affordable by requiring them to successfully take a driver’s education course as it can save substantially.
• Responsible Driver Discount – Drivers without accidents may receive a discount up to 45% than drivers with accident claims.
• Henderson Homeowners Discount – Just owning your own home can earn you a little savings due to the fact that maintaining a home demonstrates responsibility.
• Passive Restraint Discount – Factory options such as air bags or motorized seat belts can get savings up to 30%.
• Good Student – Being a good student may save as much as 25% on a Henderson auto insurance quote. Most companies allow this discount up until you turn 25.
• Waiver for an Accident – This one is not really a discount per se, but companies like Liberty Mutual, Allstate and State Farm may permit one accident before your rates go up with the catch being you have to be claim-free for a certain period of time.

Discounts lower rates, but most of the big mark downs will not be given to the entire cost. The majority will only reduce specific coverage prices like comp or med pay. So even though they make it sound like having all the discounts means you get insurance for free, companies don’t profit that way.

The chart below shows the difference between Dodge Journey insurance premiums with and without some available policy discounts. The data is based on a female driver, no claims, a clean driving record, Nevada state minimum liability limits, full physical damage coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with homeowner, claim-free, multi-car, marriage, safe-driver, and multi-policy discounts applied.

Companies who may offer these money-saving discounts include:

• The Hartford
• American Family
• Progressive
• Travelers
• Farmers Insurance
• USAA
• Liberty Mutual

If you need the cheapest Dodge Journey rate quotes, ask all the companies to give you their best rates. All car insurance discounts may not apply to policyholders in Henderson. To find insurance companies who offer cheap Dodge Journey insurance quotes in Henderson, click here to view.

Shop online but buy locally

Some consumers would rather buy from a licensed agent and that is recommended in a lot of cases Professional insurance agents are trained to spot inefficiencies and help you file claims. One of the great benefits of comparing insurance prices online is the fact that drivers can get cheap insurance rates and also buy local.

After completing this short form, your insurance coverage information gets sent to agents in your area that can give you free Henderson auto insurance quotes for your insurance coverage. You never need to contact any insurance agencies since price quotes are sent instantly to you. If you want to compare rates from a particular provider, feel free to search and find their rate quote page and complete a quote there.

Choosing an insurer requires more thought than just a low price. These are valid questions to ask:

• Does their agency support local causes in Henderson?
• Does the agent have a valid license to sell insurance in Nevada?
• Can you get a list of referrals?
• If you have an accident, will your rates go up?
• Will the agent help in case of a claim?
• Do you need full coverage on every vehicle?

If you want a reliable insurance agency, you must know there are a couple different agency structures and how they work. Agents in Henderson are considered either independent or exclusive depending on the company they work for. Either type can sell affordable insurance policies, but it’s important to point out the difference in the companies they write for because it can impact the type of agent you choose.

Exclusive Insurance Agents

These agents work for only one company such as State Farm, Allstate and AAA. Exclusive agents cannot place coverage with different providers so keep that in mind. They are highly trained in insurance sales and that enables them to sell even at higher rates.

Shown below are exclusive insurance agents in Henderson willing to provide rate quotes.

View more agents

Independent Insurance Agents

These agents are not employed by one company and that allows them to write policies with a variety of different insurance companies and get you the best rates possible. If your agent finds better pricing, an independent agent can move your coverage without you having to go to a different agency. When searching for an agent, you need to get several quotes from independent agents for the best price selection.

Below is a short list of independent insurance agencies in Henderson that can give you price quote information.

View more agents

Upon getting good feedback for all questions you ask and an acceptable price quote, it’s possible that you found an insurance agent that meets your needs to insure your vehicles.

There’s no such thing as the perfect auto insurance policy

When buying the right insurance coverage for your vehicles, there is no “perfect” insurance plan. Everyone’s situation is unique.

Here are some questions about coverages that may help you determine if your situation would benefit from an agent’s advice.

• Does rental coverage apply when I am renting a car?
• Does my insurance cover damage caused when ticketed for reckless driving?
• What is motorclub and do I need it?
• Can my babysitter drive my car?
• What does medical payments cover?
• Are rock chip repairs covered?
• Which companies will insure me after a DUI?
• Do I get a pro-rated refund if I cancel my policy early?

If you can’t answer these questions but you think they might apply to your situation, you might consider talking to a licensed insurance agent. If you want to speak to an agent in your area, take a second and complete this form. It’s fast, free and can provide invaluable advice.

You can find affordable coverage

We covered some good ideas how to reduce Dodge Journey insurance auto insurance rates online in Henderson. The most important thing to understand is the more times you quote, the higher the chance of saving money. Consumers could even find that the lowest auto insurance rates come from a company that doesn’t do a lot of advertising.

Cheaper car insurance in Henderson can be purchased online as well as from insurance agents, so you should be comparing quotes from both to have the best rate selection. Some companies do not provide internet price quotes and many times these small, regional companies prefer to sell through independent insurance agencies.

As you restructure your insurance plan, do not sacrifice coverage to reduce premiums. Too many times, someone dropped liability limits or collision coverage and found out when filing a claim that saving that couple of dollars actually costed them tens of thousands. Your focus should be to purchase a proper amount of coverage for the lowest price, but don’t skip important coverages to save money.

Additional articles

• Learn About Car Insurance (GEICO)
• How Much are Auto Insurance Rates for Homeowners in Henderson? (FAQ)
• Who Has Cheap Car Insurance for Teenage Males in Henderson? (FAQ)
• Winter Driving (Insurance Information Institute)
• Car Insurance FAQ (Trusted Choice)