Compare Dodge Journey Insurance Rate Quotes in Honolulu

Insurance rates Dodge Journey in HonoluluWhen searching for cheaper insurance, are you intimidated by the wide range of car insurance companies in your area? Hawaii drivers have such a large number of options that it can easily turn into a real hassle to lower your premium rates for Dodge Journey insurance in Honolulu. Everyone knows Honolulu is an excellent city in which to live, but finding the money to pay for car insurance can make it difficult for lots of drivers to afford good insurance coverage.

How to save money on Dodge Journey insurance in Honolulu

The recommended way to find affordable auto insurance rates is to make a habit of comparing prices annually from providers who sell auto insurance in Honolulu. You can compare rates by completing these steps.

First, gain an understanding of the coverage provided by your policy and the measures you can control to keep rates down. Many things that increase rates such as traffic violations, accidents, and a less-than-favorable credit rating can be improved by making small lifestyle or driving habit changes. Later in this article we will cover more details to get lower rates and earn a bigger discount.

Second, compare rates from direct, independent, and exclusive agents. Direct companies and exclusive agencies can only give prices from one company like GEICO and Allstate, while agents who are independent can quote rates for a wide range of companies. View prices

Third, compare the new rate quotes to your current policy to determine if switching companies saves money. If you can save money and buy the policy, make sure the effective date of the new policy is the same as the expiration date of the old one.

An essential thing to point out is to try to use the same coverage limits and deductibles on each quote request and and to get prices from as many companies as feasibly possible. Doing this enables an apples-to-apples comparison and a thorough price selection.

Remarkably, a study showed that nearly 70% of consumers have stayed with the same insurance company for over three years, and nearly half have never shopped around. Consumers in Hawaii can save hundreds of dollars each year by just comparing quotes, but they just don’t want to save money by comparing rate quotes.

If you are paying for car insurance now, you will be able to save money using the ideas you’re about to read. These techniques will instruct you on the best methods to compare rates and some money-saving tips. Although Hawaii vehicle owners do need to understand the way insurance companies market insurance on the web and use this information to your advantage.

Keep in mind that having more price comparisons increases the chance that you will find better pricing. Some insurance companies are not set up to provide online rate quotes, so it’s recommended that you also compare prices from those companies as well.

The companies in the list below are ready to provide comparison quotes in Honolulu, HI. If several companies are displayed, we suggest you visit several of them in order to find the most competitive rates.

Cheaper rates by getting these six discounts

Car insurance is expensive, but there’s a good chance there are discounts that many consumers don’t even know exist. Some trigger automatically when you quote, but some may not be applied and must be specifically requested prior to getting the savings.Discount car insurance

You can save money using discounts, but most of the big mark downs will not be given to your bottom line cost. Most only reduce specific coverage prices like liability, collision or medical payments. So when it seems like all the discounts add up to a free policy, you aren’t that lucky.

The illustration below compares Dodge Journey car insurance costs with and without discounts applied to the rates. The price estimates are based on a female driver, no violations or accidents, Hawaii state minimum liability limits, comprehensive and collision coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-policy, homeowner, safe-driver, marriage, claim-free, and multi-car discounts applied.

Insurance companies that may offer some of the above discounts are:

When quoting, ask every insurance company which discounts can lower your rates. Some of the discounts discussed earlier may not be offered everywhere. If you would like to choose from a list of insurers offering car insurance discounts in Honolulu, click this link.

Coverage analysis

The premium information shown below covers a range of insurance coverage prices for Dodge Journey models. Being able to understand how insurance rates are determined is important for drivers to make informed coverage decisions.

Dodge Journey Insurance Rates in Honolulu, HI
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Journey SE 2WD $176 $278 $300 $18 $90 $862 $72
Journey SXT 2WD $176 $338 $300 $18 $90 $922 $77
Journey R/T 2WD $198 $338 $300 $18 $90 $944 $79
Journey SXT Crew 2WD $198 $338 $300 $18 $90 $944 $79
Journey SXT AWD $198 $338 $300 $18 $90 $944 $79
Journey R/T AWD $198 $398 $300 $18 $90 $1,004 $84
Journey SXT Crew AWD $198 $398 $300 $18 $90 $1,004 $84
Get Your Own Custom Quote Go

Table data assumes single female driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and Hawaii minimum liability limits. Discounts applied include multi-vehicle, claim-free, multi-policy, homeowner, and safe-driver. Rates do not factor in vehicle location which can modify coverage rates noticeably.

Insurance deductibles

A question often asked by Honolulu drivers is where should you set your physical damage deductibles. The comparisons below may help you to understand how much more you’ll pay when you buy lower versus higher deductibles. The first rate comparisons uses a $100 deductible for comprehensive and collision coverage and the second rate table uses a $500 deductible.

Dodge Journey insurance premium rates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Journey SE 2WD $228 $338 $264 $16 $80 $951 $79
Journey SXT 2WD $228 $412 $264 $16 $80 $1,025 $85
Journey R/T 2WD $258 $412 $264 $16 $80 $1,055 $88
Journey SXT Crew 2WD $258 $412 $264 $16 $80 $1,055 $88
Journey SXT AWD $258 $412 $264 $16 $80 $1,055 $88
Journey R/T AWD $258 $484 $264 $16 $80 $1,127 $94
Journey SXT Crew AWD $258 $484 $264 $16 $80 $1,127 $94
Get Your Own Custom Quote Go

Dodge Journey insurance premium rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Journey SE 2WD $166 $228 $264 $16 $80 $754 $63
Journey SXT 2WD $166 $278 $264 $16 $80 $804 $67
Journey R/T 2WD $188 $278 $264 $16 $80 $826 $69
Journey SXT Crew 2WD $188 $278 $264 $16 $80 $826 $69
Journey SXT AWD $188 $278 $264 $16 $80 $826 $69
Journey R/T AWD $188 $328 $264 $16 $80 $876 $73
Journey SXT Crew AWD $188 $328 $264 $16 $80 $876 $73
Get Your Own Custom Quote Go

Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and Hawaii minimum liability limits. Discounts applied include multi-vehicle, homeowner, safe-driver, multi-policy, and claim-free. Price information does not factor in Honolulu location which can influence coverage rates considerably.

We can derive from the above data that using a $100 deductible will cost you approximately $19 more each month or $228 each year than requesting the higher $500 deductible. Because you would pay $400 more to settle a claim with a $500 deductible as compared to a $100 deductible, if you go at a minimum 21 months between claim filings, you would more than likely save some money if you choose the higher deductible.

The chart below highlights how deductible choice and can change Dodge Journey insurance costs for different insured age categories. The information is based on a married female driver, comp and collision included, and no discounts are taken into consideration.

Impact of citations and accidents on insurance rates

The information below highlights how traffic violations and accident claims can raise Dodge Journey annual premium costs for each different age category. The prices are based on a married female driver, comprehensive and collision coverage, $250 deductibles, and no discounts are applied to the premium.

Price comparison of only insuring for liability

The diagram below illustrates the difference between Dodge Journey auto insurance costs when comparing full coverage to liability only. The price estimates are based on no accidents, no driving violations, $1,000 deductibles, drivers are single, and no discounts are applied.

When to stop buying full coverage

There is no exact rule to stop paying for full coverage, but there is a general convention. If the yearly cost of comp and collision coverage is more than 10% of any settlement you would receive from your insurance company, then it could be time to drop full coverage.

For example, let’s assume your Dodge Journey book value is $6,000 and you have $1,000 full coverage deductibles. If your vehicle is destroyed, the most you would receive is $5,000 after paying your policy deductible. If you are paying more than $500 annually for full coverage, then you might want to consider buying only liability coverage.

There are some situations where removing full coverage is not a good idea. If you have an outstanding loan on your vehicle, you have to maintain full coverage to satisfy the loan requirements. Also, if you can’t afford to buy a different vehicle in the event your current vehicle is totaled, you should keep full coverage.