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.

Insurance for Dodge JourneyIf 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.

Dodge Journey Insurance Rates in Henderson, NV
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Journey SE 2WD $142 $234 $400 $24 $120 $920 $77
Journey SXT 2WD $142 $286 $400 $24 $120 $972 $81
Journey R/T 2WD $160 $286 $400 $24 $120 $990 $83
Journey SXT Crew 2WD $160 $286 $400 $24 $120 $990 $83
Journey SXT AWD $160 $286 $400 $24 $120 $990 $83
Journey R/T AWD $160 $336 $400 $24 $120 $1,040 $87
Journey SXT Crew AWD $160 $336 $400 $24 $120 $1,040 $87
Get Your Own Custom Quote Go

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.

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.Insurance discounts

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:

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.

Find insurance agent in HendersonAfter 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:

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.

3215 St Rose Pkwy Ste 120Henderson, NV 89052(702) 233-8372View Map

10890 S Eastern Ave #115Henderson, NV 89052(702) 616-1000View Map

900 Wigwam Pkwy #140Henderson, NV 89014(702) 564-3380View Map

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.

Carl R Forman Insurance Agency
70 E Horizon Ridge PkwyHenderson, NV 89002(702) 732-7675View Map

Nikkol Jackson Insurance Agency
701 N Green Valley Pkwy #200Henderson, NV 89074(702) 451-9799View Map

All Star Insurance Agency
10120 S. Eastern Ave, Suite 200Henderson, NV 89052(702) 660-6618View Map

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.Higher deductibles save money

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

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