Buying the best cheap car insurance for a Dodge Journey is normally pretty easy, but it hinges on many rating criteria such as annual miles driven, whether you are claim-free, and any prior driving offenses. South Carolina drivers will pay around $1,167 per year for Journey insurance, but that price is calculated using a 50-year-old single female driver with full coverage and $100 deductibles.
If we were betting, you are not 50 and maybe not even a female, married instead of single, and you need different coverage limits than the sample rates. Having the smallest difference in the factors used in pricing a policy can result in a big discrepancy in how much coverage for a Dodge Journey costs.
Each driver's needs are different, and that demonstrates why the only real way to find the cheapest coverage for your Dodge is to compare as many rates as possible. It's really quite easy you will get price quotes from some of the best insurers that sell coverage in South Carolina.
The trim level of your Journey can impact the annual cost of coverage, so the price you will pay to insure a Journey SE 2WD will cost $218 less than the price to insure the more costly Journey SXT Crew AWD version, as shown in the chart below.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Journey SE 2WD||$252||$428||$386||$22||$116||$1,204||$100|
|Journey SXT 2WD||$252||$520||$386||$22||$116||$1,296||$108|
|Journey R/T 2WD||$286||$520||$386||$22||$116||$1,330||$111|
|Journey SXT Crew 2WD||$286||$520||$386||$22||$116||$1,330||$111|
|Journey SXT AWD||$286||$520||$386||$22||$116||$1,330||$111|
|Journey R/T AWD||$286||$612||$386||$22||$116||$1,422||$119|
|Journey SXT Crew AWD||$286||$612||$386||$22||$116||$1,422||$119|
|Get Your Own Custom Quote Go|
Prices above based on single female driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and South Carolina minimum liability limits. Discounts applied include multi-policy, claim-free, safe-driver, homeowner, and multi-vehicle. Table data does not factor in the specific area where the vehicle is garaged which can impact premium rates greatly.
Finding out which insurers offer the most affordable car insurance rates for a Dodge Journey in South Carolina involves more time than just picking a company at random. Each auto insurance company has their own unique process for establishing rates, so we'll take a look at the most competitive car insurance companies in South Carolina.
It's important to know that South Carolina car insurance rates are determined by lots of factors that may substantially change the price you have to pay for coverage. Improving your credit score, buying a different home, or getting a DUI can trigger changes in premium that may make certain companies more affordable than before.
Find the Cheapest Car Insurance for Your Dodge
|Rank||Company||Cost Per Year|
|5||SC Farm Bureau Mutual||$1,286|
|6||Southern Farm Bureau||$1,298|
|7||National Grange Mutual||$1,321|
|Quote Your Rates Go|
The Hartford may offer some of the cheapest car insurance rates in South Carolina at around $768 annually. This is $841 less than the average premium paid by South Carolina drivers of $1,609. USAA, Auto-Owners, State Auto, and SC Farm Bureau Mutual also rank well as some of the cheaper South Carolina car insurance companies.
In this example, if you are a customer of USAA and switched to The Hartford, you might see yearly savings of roughly $247. Drivers with Auto-Owners might save as much as $351 a year, and State Auto insureds might cut rates by $359 a year.
Remember that these policy prices are averages across all ages of drivers and types of vehicles and do not factor in a specific rating modification for a Dodge Journey. So the company that is best suited for you may not even be in the list above. That affirms the importance of why you need to get rate quotes from many companies using your own specific driver and vehicle information.
Cost difference between full coverage and liability
Saving on car insurance should be important to the majority of people, and a good way to find cheap insurance for a Dodge Journey in South Carolina is to buy liability only. The example below illustrates the comparison of insurance rates with and without physical damage coverage, medical payments, and uninsured/under-insured motorist coverage. Data assumes no accidents, no driving violations, $100 deductibles, single marital status, and no discounts are applied to the premium.
On average, full coverage costs $2,368 per year more than just insuring for liability. Many people question if it's worth it to buy full coverage. There is no exact formula to drop full coverage, but there is a guideline you can consider. If the annual cost of coverage is more than about 10% of the replacement cost minus the deductible, then you may need to consider dropping full coverage.
For example, let's pretend your vehicle's replacement value is $8,500 and you have $1,000 policy deductibles. If your vehicle is severely damaged, the most you would get paid by your company is $7,500 after paying your deductible. If it's costing you more than $750 a year for your policy with full coverage, then you might want to consider buying only liability coverage.
Cautious South Carolina drivers save money
The easiest method to obtain the best car insurance premiums in South Carolina for a Journey is to be an attentive driver and avoid at-fault accidents and violations. The illustration below illustrates how violations and at-fault claims can drive up car insurance rates for different ages of insureds. The price estimates are based on a single female driver, full physical damage coverage, $1,000 deductibles, and no discounts are applied.
The data charted above shows the average cost of a car insurance policy per year with no accidents or violations is $1,728. Get one speeding ticket and the average cost swells to $1,961, an increase of $233 each year. Then add two accidents along with the one speeding ticket and the 12-month cost of car insurance for a Dodge Journey in South Carolina jumps again to an average of $4,090. That's an increase of $2,362, or $197 per month, just for not being attentive to the road!
How to find more affordable car insurance for a Dodge Journey
Lowering your rates is not difficult, and here are some penny-pinching suggestions that can help drivers locate more affordable auto insurance.
- Frequent claims may make car insurance unaffordable
- Improve your credit
- Buying car and homeowners insurance together can save money
- Speeding tickets and other violations increase rates
- Staying accident-free helps keep rates low
- Raise deductibles to save money
- Look for cheaper rates once a year by shopping around
That last piece of advice is extraordinarily necessary, as we discussed in this write-up. Prices charged by auto insurers vary greatly, so drivers shouldn't be resistant to buy from a different company if you can find a cheaper rate.
Sticking with a specific company is fine, but it isn't a good idea if your bullheadedness ends up costing you a considerable chunk of change every month. It takes less than five minutes to shop around and find cheaper insurance for a Dodge Journey.