Insurance rates Dodge Journey in ColumbiaHave you finally had enough of not being able to afford to pay high car insurance rates every month? You have the same problem as many other South Carolina drivers.

Shockingly, most drivers kept their policy with the same company for four years or more, and approximately 40% of consumers have never quoted car insurance rates at all. Many consumers in Columbia could cut their rates by about $750 a year, but they just don't understand the amount of money they would save if they switched.

Due to the abundance of options for buying cheap insurance for a Dodge Journey in Columbia, it is hard for the average consumer to choose the lowest price car insurance company.

Companies offering Dodge Journey insurance in Columbia

The following companies are ready to provide price comparisons in Columbia, SC. If multiple companies are listed, we recommend you compare several of them to find the lowest car insurance rates.

Dodge Journey Insurance Costs in Columbia, SC
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Journey SE 2WD $252 $448 $386 $22 $116 $1,224 $102
Journey SXT 2WD $226 $440 $320 $18 $96 $1,100 $92
Journey R/T 2WD $368 $652 $460 $28 $138 $1,646 $137
Journey SXT Crew 2WD $286 $520 $386 $22 $116 $1,330 $111
Journey SXT AWD $256 $436 $386 $22 $116 $1,216 $101
Journey R/T AWD $256 $514 $358 $22 $108 $1,258 $105
Journey SXT Crew AWD $232 $478 $444 $26 $132 $1,312 $109
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Price data assumes single female driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and South Carolina minimum liability limits. Discounts applied include multi-vehicle, multi-policy, homeowner, claim-free, and safe-driver. Premium costs do not factor in the specific area where the vehicle is garaged which can impact auto insurance rates significantly.

Rate increases following a ticket or accident

The information below shows how violations and fender-benders can impact Dodge Journey auto insurance rates for each age group. The prices are based on a single female driver, full physical damage coverage, $500 deductibles, and no discounts are taken into consideration.

Rate comparison for different deductibles

When comparing auto insurance rates, the most common question is which deductibles should you choose. The following insurance rates highlight the rate fluctuation when you buy lower versus higher coverage deductibles. The first set of prices uses a $250 physical damage deductible and the second price table uses a $1,000 deductible.

Dodge Journey insurance premium rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Journey SE 2WD $264 $366 $342 $20 $102 $1,119 $93
Journey SXT 2WD $264 $444 $342 $20 $102 $1,197 $100
Journey R/T 2WD $298 $444 $342 $20 $102 $1,231 $103
Journey SXT Crew 2WD $298 $444 $342 $20 $102 $1,231 $103
Journey SXT AWD $298 $444 $342 $20 $102 $1,231 $103
Journey R/T AWD $298 $524 $342 $20 $102 $1,311 $109
Journey SXT Crew AWD $298 $524 $342 $20 $102 $1,311 $109
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Dodge Journey insurance premium rates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Journey SE 2WD $162 $230 $342 $20 $102 $856 $71
Journey SXT 2WD $162 $280 $342 $20 $102 $906 $76
Journey R/T 2WD $184 $280 $342 $20 $102 $928 $77
Journey SXT Crew 2WD $184 $280 $342 $20 $102 $928 $77
Journey SXT AWD $184 $280 $342 $20 $102 $928 $77
Journey R/T AWD $184 $330 $342 $20 $102 $978 $82
Journey SXT Crew AWD $184 $330 $342 $20 $102 $978 $82
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Table data represents married male driver age 30, no speeding tickets, no at-fault accidents, and South Carolina minimum liability limits. Discounts applied include homeowner, multi-policy, safe-driver, multi-vehicle, and claim-free. Estimates do not factor in vehicle location which can raise or lower rates noticeably.

Based on the data above, we can derive that using a $250 deductible will cost you about $26 more each month or $312 for a full year than requesting the higher $1,000 deductible. Since the policyholder would be required to pay $750 more to file a claim with a $1,000 deductible as compared to a $250 deductible, if you tend to average more than 29 months between claims, you would save more money by going with a higher deductible.

Auto insurance rates by gender and age

The chart below shows the comparison of Dodge Journey premium costs for male and female drivers. The data assumes no violations or claims, full coverage, $250 deductibles, drivers are single, and no additional discounts are factored in.

Cheaper Columbia auto insurance rates with discounts

Companies do not advertise all discounts in an easy-to-find place, so the list below contains a few of the more well known and the harder-to-find discounts you could be receiving when you buy Columbia auto insurance online.Auto insurance discounts

As a sidenote, some credits don't apply to the whole policy. Most only reduce individual premiums such as liability, collision or medical payments. So even though it sounds like you can get free auto insurance, it doesn't quite work that way.

A few popular companies and some of the premium reductions they offer can be found below.

It's a good idea to ask each insurance company which discounts can lower your rates. A few discounts might not be available to policyholders in your state. To find insurers who offer discounts in South Carolina, click here.

What Determines Dodge Journey Insurance Costs?

Many different elements are considered when you get a price on insurance. Some of the criteria are obvious like your driving record, although others are more obscure like your continuous coverage and annual miles driven. Part of the insurance buying process is learning the rating factors that go into determining insurance rates. If you have a feel for what determines base rates, this enables informed choices that could result in much lower annual insurance costs.

The items below are a partial list of the pieces used by your company to calculate your premiums.

Little extras can really add up - There are a lot of extra coverages that you can get tricked into buying when buying insurance. Add-on coverages like roadside assistance, death and dismemberment, and extra equipment coverage may be costing you every month. These may sound like a good investment initially, but your needs may have changed so think about removing them and cutting costs.

Better drivers pay lower costs - Good drivers get better rates as compared to careless drivers. Only having one ticket can increase rates substantially. Drivers who get dangerous violations like reckless driving, hit and run or driving under the influence may face state-mandated requirements to submit a SR-22 or proof of financial responsibility with the DMV in their state in order to continue driving.

What type of car, truck or SUV do you drive? - The make and model of the car you own makes a big difference in the rate you pay. Due to the fact that the Dodge Journey is classified as a passenger car, insurance will be similar in price or lower compared to average rates in Columbia. Economy passenger vehicles generally receive the lowest base rates, but that's not the only thing that factors into the final price.

Lower premiums with no policy lapses - Driving your car without having proper coverage is against the law and companies may charge more for letting your insurance coverage expire. In addition to paying higher premiums, getting caught without coverage may result in a revoked license or a big fine. You may then have to provide proof of insurance in the form of an SR-22 filing with the South Carolina department of motor vehicles.

Use credit responsibly and save - A driver's credit score can be an important factor in determining what you pay for insurance. Insureds with good credit tend to be more responsible as compared to drivers with lower ratings. If your credit rating can be improved, you may save money insuring your Dodge Journey if you improve your credit rating.

Dodge Journey claim statistics - Car insurance companies use claims history to calculate a rate that will offset losses. Models that statistically have high amounts or severity of claims will cost more for specific coverages. The table below demonstrates the insurance loss data for Dodge Journey vehicles.

For each coverage category, the statistical loss for all vehicles, as a total average, is set at 100. Percentages below 100 are indicative of better than average losses, while percentage values above 100 indicate a higher chance of having a claim or statistically larger losses.

Dodge Journey Insurance Loss Statistics

Vehicle 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

Empty fields indicate not enough data collected
Statistics from for 2013-2015 Model Years

When to contact a local insurance agent

A lot of people prefer to sit down with an agent. A nice benefit of comparing auto insurance online is you may find cheap rate quotes and also buy local.

Columbia insurance agentsFor easy comparison, once you complete this quick form, your coverage information is immediately sent to companies in Columbia who will return price quotes for your insurance coverage. It's much easier because you don't need to visit any agencies because prices are sent to you. You can get cheaper auto insurance rates and a licensed agent to talk to. If you need to compare prices for a specific company, just go to their quote page and fill out their quote form.

Picking the best company shouldn't rely on just the premium amount. These are some questions your agent should answer.

If you prefer to buy auto insurance from a local Columbia insurance agent, it's important to understand the different types of agents and how they differ in how they can insure your vehicles. Insurance agencies in Columbia are categorized either independent agents or exclusive agents depending on their employer.

Exclusive Auto Insurance Agencies

Agents that elect to be exclusive can only quote rates from one company like Allstate, AAA, Farmers Insurance, and State Farm. These agents are unable to shop your coverage around so if the price isn't competitive there isn't much they can do. They receive a lot of sales training on their company's products which helps them sell insurance even at higher premiums.

Shown below is a short list of exclusive agencies in Columbia who can help you get rate quotes.

452 W Killian Rd d - Columbia, SC 29203 - (803) 764-6779 - View Map

3206 Millwood Ave - Columbia, SC 29205 - (803) 212-7000 - View Map

1920 Bull St c - Columbia, SC 29201 - (803) 779-6650 - View Map

View more Columbia agents

Independent Auto Insurance Agents

Independent agencies do not sell for just one brand so they can insure your vehicles amongst many companies and get the cheapest rates. If your premiums go up, the business is moved internally and you don't have to do anything. When shopping rates, you will want to get several quotes from several independent insurance agents to ensure the widest selection of prices.

The following is a list of independent insurance agents in Columbia willing to provide comparison quotes.

1320 Elmwood Ave - Columbia, SC 29201 - (803) 779-7854 - View Map

1 Fernandina Ct - Columbia, SC 29212 - (803) 732-0060 - View Map

455 St Andrews Rd # A2 - Columbia, SC 29210 - (803) 772-3122 - View Map

View more Columbia agents

Cheaper car insurance is a realistic goal

When searching for affordable Dodge Journey insurance quotes, it's a bad idea to skimp on coverage in order to save money. In too many instances, consumers will sacrifice uninsured motorist or liability limits and learned later that the savings was not a smart move. The ultimate goal is to buy enough coverage at the best cost, but don't skip important coverages to save money.

We've covered a lot of techniques to save on Dodge Journey insurance in Columbia. The most important thing to understand is the more rate quotes you have, the better chance you'll have of finding the cheapest Dodge Journey rate quotes. Drivers may even discover the best price on car insurance is with a company that doesn't do a lot of advertising. Smaller companies can often provide lower rates in certain areas as compared to the big name companies such as State Farm or Progressive.

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