Affordable Insurance for a Dodge Journey in Long Beach

It’s a known fact that auto insurance companies don’t want policyholders to shop around. Consumers who compare other rates will presumably buy a different policy because there is a good chance of finding a policy with better rates. A recent car insurance study revealed that consumers who shopped around every year saved over $3,450 over four years as compared to drivers who don’t make a habit of comparing rates.

If finding the best rates on auto insurance is the reason you’re reading this, then having some insight into how to get free comparison quotes and analyze coverages can help you succeed in saving money.

Really, the only way to get budget Dodge Journey insurance in Long Beach is to regularly compare price quotes from insurers who can sell car insurance in California. You can compare prices by completing these steps.

1. Get a basic knowledge of how insurance works and the changes you can make to keep rates low. Many policy risk factors that result in higher rates like speeding tickets, accidents and a negative credit score can be rectified by making minor changes to your lifestyle. This article provides tips to get cheaper coverage and earn larger discounts.
2. Compare rates from independent agents, exclusive agents, and direct companies. Exclusive and direct companies can only quote rates from one company like Progressive and State Farm, while agents who are independent can quote rates for a wide range of companies.
3. Compare the price quotes to your existing rates to see if a cheaper price is available in Long Beach. If you find a lower rate quote and switch companies, make sure coverage is continuous and does not lapse.
4. Provide proper notification to your current company to cancel your current policy and submit payment and a signed application for the new coverage. As soon as you have the new policy, store the certificate of insurance along with your vehicle registration.

A good tip to remember is to try to compare similar deductibles and liability limits on each quote and and to get price quotes from all possible companies. This guarantees a fair price comparison and a thorough selection of prices.

How to find low cost Dodge Journey insurance in Long Beach, CA

The companies in the list below are our best choices to provide quotes in California. To find the best cheap car insurance in CA, we recommend you get rates from several of them to find the most affordable car insurance rates.

Get lower-cost Dodge Journey insurance in Long Beach with discounts

Companies don’t necessarily list every possible discount in a way that’s easy to find, so the list below details some of the more common and the harder-to-find discounts that you may qualify for.

• Fewer Miles Equal More Savings – Fewer annual miles on your Dodge could be rewarded with lower premium rates due to less chance of an accident.
• Discounts for Seat Belt Usage – Forcing all vehicle occupants to buckle up can save 10% or more on medical payment and PIP coverage.
• Sign Early and Save – Some larger companies reward drivers for switching to them before your current Journey insurance policy expires. Ten percent is about the average savings.
• Military Discounts – Being on active deployment in the military could mean lower prices.
• Distant College Student Discount – College-age children living away from Long Beach attending college without a vehicle on campus could get you a discount.
• Multiple Cars – Buying coverage for primary and secondary vehicles on one policy can get a discount on all vehicles.
• Discount for Life Insurance – If the company offers life insurance, you could get lower premium rates if you buy a life insurance policy as well.
• Air Bags and Passive Restraints – Options like air bags and/or automatic seat belt systems may get savings of 20 to 30 percent.
• Theft Prevention Discount – Cars, trucks, and SUVs with anti-theft systems have a lower chance of being stolen and can earn a small discount on your policy.

Just know that some of the credits will not apply to the entire policy premium. Some only apply to specific coverage prices like comprehensive or collision. Just because it seems like adding up those discounts means a free policy, car insurance companies aren’t that generous.

The example below illustrates the difference between Dodge Journey insurance costs with and without discounts applied to the rates. The premiums are based on a female driver, a clean driving record, no at-fault accidents, California state minimum liability limits, full physical damage coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with claim-free, multi-policy, homeowner, safe-driver, multi-car, and marriage discounts applied.

Popular car insurance companies and their possible discounts are shown below.

• AAA policyholders can earn discounts including education and occupation, multi-car, anti-theft, AAA membership discount, good driver, good student, and multi-policy.
• Progressive may include discounts for online signing, good student, homeowner, multi-vehicle, continuous coverage, and online quote discount.
• State Farm may have discounts that include student away at school, anti-theft, passive restraint, accident-free, and safe vehicle.
• Esurance offers discounts for online quote, online shopper, paid-in-full, multi-policy, and emergency road assistance.
• Nationwide discounts include anti-theft, multi-policy, good student, accident-free, business or organization, and Farm Bureau membership.

Before purchasing a policy, check with all companies you are considering how many discounts you can get. Some credits may not be available in Long Beach. To locate companies who offer cheap Dodge Journey insurance quotes in Long Beach, click here.

Statistics and details

The information displayed below highlights a range of insurance rates for Dodge Journey models. Having insight into how policy rates are determined can assist in making smart policy decisions.

Table data represents married male driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and California minimum liability limits. Discounts applied include homeowner, multi-policy, multi-vehicle, safe-driver, and claim-free. Prices do not factor in garaging location in Long Beach which can alter prices considerably.

Analysis of deductible levels

A question often asked by Long Beach drivers is the level to set your comp and collision deductibles. The data tables below may help you to understand the premium difference when you choose different deductibles. The first table uses a $250 physical damage deductible and the second price table uses a $1,000 deductible.

Cost estimates assume married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include safe-driver, multi-vehicle, homeowner, claim-free, and multi-policy. Price estimates do not factor in specific location information which can change price quotes substantially.

Based on the above data, using a $250 deductible will cost in the ballpark of $32 more each month or $384 every year across all Dodge Journey models than requesting the higher $1,000 deductible. Because you would be required to pay $750 more out of your own pocket with a $1,000 deductible as compared to a $250 deductible, if you tend to have at least 23 months between claim filings, you would more than likely save some money if you choose a higher deductible.

The chart below shows how choosing a deductible and can influence Dodge Journey insurance rates for different age categories. The information is based on a single female driver, comprehensive and collision coverage, and no discounts are applied.

Violations and accidents raise rates

The illustration below highlights how speeding tickets and at-fault fender-benders influence Dodge Journey insurance prices for different insured age categories. The prices are based on a married female driver, comprehensive and collision coverage, $100 deductibles, and no discounts are taken into consideration.

How much more does full coverage cost in Long Beach?

The chart below visualizes the comparison of Dodge Journey yearly insurance costs with full coverage and liability only. The premiums assume no claims or driving violations, $250 deductibles, drivers are single, and no additional discounts are factored in.

When to drop comprehensive and collision coverage

There is no set rule for eliminating full coverage on your policy, but there is a guideline you can use. If the annual cost of coverage is more than around 10% of the vehicle’s replacement cost less your deductible, then it may be the right time to buy liability only.

For example, let’s assume your Dodge Journey replacement cost is $4,000 and you have $1,000 physical damage deductibles. If your vehicle is severely damaged, the most you would get paid by your company is $3,000 after the deductible is paid. If premium cost is more than $300 annually for your policy with full coverage, then it might be time to consider dropping full coverage.

There are some scenarios where dropping physical damage coverage is not a good plan. If you have an outstanding loan on your vehicle, you must maintain physical damage coverage as part of the loan conditions. Also, if your finances do not allow you to purchase a different vehicle in the even your car is totaled, you should keep full coverage.

Best auto insurance company in California

Buying coverage from the right insurer is difficult considering how many companies sell coverage in Long Beach. The company information below can help you pick which car insurance companies you want to consider when comparing rates.

Top 10 Long Beach Car Insurance Companies Ranked by Customer Satisfaction

1. Titan Insurance – 95%
2. USAA – 94%
3. AAA of Southern California – 92%
4. AAA Insurance – 91%
5. Nationwide – 90%
6. State Farm – 90%
7. The Hartford – 89%
8. GEICO – 89%
9. The General – 88%
10. 21st Century – 88%