Are you researching cheaper auto insurance rates in Charlotte, NC? Charlotte drivers have lots of choices when trying to find the lowest priced Dodge Journey insurance. You can either waste hours calling around to compare prices or save time using the internet to find the lowest rates. There are more efficient ways to compare auto insurance rates and you need to know the proper way to get price quotes for your Dodge and locate the cheapest rates from both online companies and Charlotte agents.
Unthinkable but true, nearly 70% of consumers kept buying from the same company for at least the last four years, and almost 40% of drivers have never shopped around. Charlotte drivers could save an average of almost $90 each year just by comparing rates, but they don’t invest the time required to compare rate quotes online.
It’s a good habit to take a look at other company’s rates before your next renewal since prices go up and down regularly. Despite the fact that you may have had the lowest rates on Dodge Journey insurance in Charlotte six months ago other companies may now be cheaper. You can find a lot of misleading information regarding Journey insurance online, but in a few minutes you can learn some great ways to quit paying high auto insurance rates in Charlotte.
If you have insurance now or just want to save money, use these money-saving tips to reduce the price you pay without reducing coverage. This information will introduce you to how car insurance quotes work and some tricks to saving. Shoppers just need to use the most efficient way to compare price quotes from multiple carriers.
Take policy discounts and save on Dodge Journey insurance in Charlotte
Some companies don’t always list the complete list of policy discounts very clearly, so here is a list a few of the more common in addition to some of the lesser obvious discounts you could be receiving when you buy Charlotte car insurance online.
- Distant Student – Children who live away from home at college and do not have access to a covered vehicle may qualify for this discount.
- Professional Memberships – Being a member of a qualifying organization could qualify you for a break on auto insurance.
- Cautious Driver Discounts – Drivers who avoid accidents could pay up to 40% less compared to accident prone drivers.
- E-sign – A few larger online companies will discount your bill up to fifty bucks shop Charlotte car insurance on their website.
- Driver Education Discount – Teen drivers should take driver’s ed class in school.
- Renewal Discounts – A few companies offer discounts for signing up before your current coverage expires. You can save around 10% with this discount.
- Save with a New Car – Adding a new car to your policy can be considerably cheaper because newer vehicles keep occupants safer.
A little note about advertised discounts, most discount credits are not given to all coverage premiums. Most only apply to specific coverage prices like comprehensive or collision. So even though you would think it’s possible to get free car insurance, you aren’t that lucky. Any qualifying discounts should definitely cut the premium cost.
The information below compares Dodge Journey annual premium costs with and without policy discounts. The premiums are based on a male driver, no driving violations, no at-fault accidents, North Carolina state minimum liability limits, comp and collision included, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-policy, marriage, claim-free, multi-car, homeowner, and safe-driver discounts applied.
A few popular companies and some of their more popular discounts can be read below.
- 21st Century offers premium reductions for automatic seat belts, theft prevention, teen driver, anti-lock brakes, early bird, and good student.
- State Farm offers discounts for multiple autos, driver’s education, good student, Drive Safe & Save, and Steer Clear safe driver discount.
- AAA may have discounts that include multi-policy, multi-car, good driver, good student, and anti-theft.
- Liberty Mutual includes discounts for teen driver discount, safety features, multi-policy, exclusive group savings, new move discount, hybrid vehicle, and newly retired.
- Progressive has discounts for multi-policy, good student, homeowner, online signing, online quote discount, continuous coverage, and multi-vehicle.
It’s a good idea to ask each company or agent to give you their best rates. Some of the earlier mentioned discounts might not be available to policyholders in your area.
The best way we recommend to get rate comparisons for Dodge Journey insurance in Charlotte takes advantage of the fact most larger insurance companies pay for the opportunity to provide you with free rate quotes. To begin a comparison, all you need to do is provide a little information like if the vehicle is leased, distance driven, if your license is active, and what your job is. That rating data is instantly submitted to multiple different insurance companies and you receive quotes immediately.
To start a quote now, click here then complete the form.
The following companies offer comparison quotes in North Carolina. If your goal is to find cheap car insurance in North Carolina, it’s a good idea that you visit as many as you can in order to find the most affordable rates.
Coverage statistics and figures
The rate information displayed below outlines estimates of insurance rates for Dodge Journey models. Understanding how premiums are determined is important for making smart choices when comparing insurance rates.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Journey SE 2WD | $178 | $214 | $326 | $20 | $98 | $836 | $70 |
| Journey SXT 2WD | $178 | $262 | $326 | $20 | $98 | $884 | $74 |
| Journey R/T 2WD | $202 | $262 | $326 | $20 | $98 | $908 | $76 |
| Journey SXT Crew 2WD | $202 | $262 | $326 | $20 | $98 | $908 | $76 |
| Journey SXT AWD | $202 | $262 | $326 | $20 | $98 | $908 | $76 |
| Journey R/T AWD | $202 | $308 | $326 | $20 | $98 | $954 | $80 |
| Journey SXT Crew AWD | $202 | $308 | $326 | $20 | $98 | $954 | $80 |
| Get Your Own Custom Quote Go | |||||||
Table data represents single male driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and North Carolina minimum liability limits. Discounts applied include multi-policy, safe-driver, homeowner, multi-vehicle, and claim-free. Estimates do not factor in the specific area where the vehicle is garaged which can raise or lower premium rates noticeably.
Deductible analysis
One frequently asked question is how high or low should comp and collision deductibles be. The data tables below help summarize the rate differences of buying low and high insurance deductibles. The first set of rates uses a $250 deductible for physical damage and the second rate chart uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Journey SE 2WD | $192 | $266 | $250 | $14 | $74 | $821 | $68 |
| Journey SXT 2WD | $192 | $324 | $250 | $14 | $74 | $879 | $73 |
| Journey R/T 2WD | $218 | $324 | $250 | $14 | $74 | $905 | $75 |
| Journey SXT Crew 2WD | $218 | $324 | $250 | $14 | $74 | $905 | $75 |
| Journey SXT AWD | $218 | $324 | $250 | $14 | $74 | $905 | $75 |
| Journey R/T AWD | $218 | $382 | $250 | $14 | $74 | $963 | $80 |
| Journey SXT Crew AWD | $218 | $382 | $250 | $14 | $74 | $963 | $80 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Journey SE 2WD | $156 | $214 | $250 | $14 | $74 | $708 | $59 |
| Journey SXT 2WD | $156 | $262 | $250 | $14 | $74 | $756 | $63 |
| Journey R/T 2WD | $176 | $262 | $250 | $14 | $74 | $776 | $65 |
| Journey SXT Crew 2WD | $176 | $262 | $250 | $14 | $74 | $776 | $65 |
| Journey SXT AWD | $176 | $262 | $250 | $14 | $74 | $776 | $65 |
| Journey R/T AWD | $176 | $308 | $250 | $14 | $74 | $822 | $69 |
| Journey SXT Crew AWD | $176 | $308 | $250 | $14 | $74 | $822 | $69 |
| Get Your Own Custom Quote Go | |||||||
Price data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and North Carolina minimum liability limits. Discounts applied include safe-driver, multi-vehicle, multi-policy, claim-free, and homeowner. Estimates do not factor in specific Charlotte garaging location which can change auto insurance rates greatly.
Based on the data above, we can derive that using a $250 deductible will cost you about $10 more each month or $120 annually than requesting the higher $500 deductible. Because you would pay $250 more out-of-pocket with a $500 deductible as compared to a $250 deductible, if you tend to average at least 25 months between claim filings, you would probably save some money going with the higher deductible.
How much more does full coverage cost in Charlotte?
The example below visualizes the comparison of Dodge Journey annual premium costs with and without full coverage. The data is based on no accidents or driving violations, $250 deductibles, drivers are not married, and no additional discounts are factored in.
When to stop buying full coverage
There is no definitive formula for excluding comprehensive and collision coverage on your policy, but there is a general convention. If the annual cost of coverage is more than about 10% of any settlement you would receive from your insurance company, then you may need to consider dropping full coverage.
For example, let’s say your Dodge Journey book value is $9,000 and you have $1,000 deductibles. If your vehicle is damaged in an accident, the most your company will settle for is $8,000 after you pay the deductible. If you are paying in excess of $800 a year for comprehensive and collision coverage, then it might be time to buy liability only.
There are some situations where buying only liability insurance is not recommended. If you haven’t paid off your loan, you have to keep full coverage as part of the loan requirements. Also, if your emergency fund is not enough to purchase a different vehicle in case of an accident, you should not remove full coverage.
Dodge Journey Insurance Rate Factors
Lots of factors are used in the calculation when you get your auto insurance bill. Some are pretty understandable such as traffic violations, but some are more transparent like where you live or how safe your car is.
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High premiums for younger drivers – More experienced drivers are shown to be more cautious, tend to cause fewer accidents, and are generally more financially stable. Teenage drivers are statistically shown to be more careless when at the wheel of a vehicle so they pay higher insurance rates.
The data below uses these assumptions: single driver, full coverage with $100 deductibles, and no discounts or violations.
- Better credit means lower prices – Having a bad credit score will be a significant factor in determining what you pay for insurance. People that have good credit tend to be better drivers and file fewer claims than drivers with poor credit scores. If your credit history is lower than you’d like, you could potentially save money when insuring your Dodge Journey by improving your rating.
- Never have insurance policy lapses – Allowing your insurance policy to lapse is a quick way to trigger a rate increase. Not only will you pay more, getting caught without coverage can result in a revoked license or a big fine.
- Do you really need roadside assistance? – There are a lot of additional extra coverages that you can buy on your Journey policy. Add-on coverages like rental car reimbursement, accidental death, and Farm Bureau memberships may not be needed and are just wasting money. They may seem like a good idea when you first buy your policy, but if you’ve never needed them in the past get rid of them and save.
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Dodge Journey historical loss data – Car insurance companies analyze historical claim data as a tool for profitable underwriting. Models that the data determines to have a trend towards higher claim severity or frequency will have a higher cost to insure. The data below shows the compiled insurance loss statistics for Dodge Journey vehicles.
For each policy coverage type, the claim amount for all vehicles averaged together is represented as 100. Numbers shown that are under 100 indicate better than average losses, while percentages above 100 show a trend for more claims or statistically larger claims.
Dodge Journey Insurance Loss Statistics 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 BETTERAVERAGEWORSEEmpty fields indicate not enough data collected
Statistics from IIHS.org for 2013-2015 Model Years
Insurance agents near you
A lot of people just want to get advice from a local agent and that is recommended in a lot of cases Licensed agents are trained to spot inefficiencies and give you someone to call. The biggest benefit of comparing insurance prices online is that drivers can save money and get lower premium rates but still work with a licensed agent.
By using this form (opens in new window), the quote information is submitted to agents in your area that can provide free Charlotte car insurance quotes for your coverage. There is no need to search for an agent due to the fact that quote results will go to your email. If you need to quote rates from a specific car insurance provider, don’t hesitate to go to their quote page and give them your coverage information.
Choosing an insurance company shouldn’t rely on just a cheap quote. The questions below may impact your decision as well.
- Are they primarily personal or commercial lines agents in Charlotte?
- Can glass repairs be made at your home?
- Who are their largest clients?
- Does the agency have a good rating with the Better Business Bureau?
- If independent agents, which companies do they recommend?
If you are wanting to find a reliable insurance agency, you should know the different types of agencies and how they are slightly different. Agencies in Charlotte may be either exclusive agents or independent agents. Both types can insure your vehicles, but it’s worth mentioning the differences because it can influence your selection of an agent.
Exclusive Insurance Agents
Exclusive agents can only provide one company’s prices such as State Farm, Allstate and AAA. Exclusive agents are unable to give you multiple price quotes so keep that in mind. They are highly trained on what they offer which aids in selling service over price. Consumers often buy from the same agent for years primarily because of the prominent brand name rather than low price.
The following are exclusive agents in Charlotte that can give you price quote information.
- Todd Younker – State Farm Insurance Agent
7725 Matthews-Mint Hill Road – Charlotte, NC 28227 – (704) 545-9111 – View Map - Brian McCaw – State Farm Insurance Agent
5950 Fairview Rd #220 – Charlotte, NC 28210 – (704) 554-0144 – View Map - Michael Grant – State Farm Insurance Agent
1727 East Blvd – Charlotte, NC 28203 – (704) 373-7444 – View Map
Independent Car Insurance Agents
These type of agents can quote rates with many companies and that is an advantage because they can write policies with lots of companies and find you cheaper rates. If premiums increase, your agent can switch companies which requires no work on your part. If you are trying to find cheaper rates, we highly recommend that you get quotes from at least one independent agent in order to compare the most rates. They also have the ability to place coverage with companies you’ve never heard of that may provide cheaper car insurance rates.
Shown below are independent agents in Charlotte that can give you rate quotes.
- Pegram Insurance
4420 C The Plaza – Charlotte, NC 28215 – (704) 563-4343 – View Map - The Jordan Insurance Agency,LLC
13860 Ballantyne Corporate Pl #120 – Charlotte, NC 28277 – (704) 926-7565 – View Map - Nationwide Insurance: Ed Cantey Insurance Agency Inc
5534 Albemarle Rd Ste 105 – Charlotte, NC 28212 – (704) 563-7777 – View Map
Protect your Dodge vehicle and other assets
Even though it’s not necessarily cheap to insure a Dodge in Charlotte, maintaining insurance serves several important purposes.
- The majority of states have minimum liability requirements which means you are required to carry a specific minimum amount of liability coverage if you drive a vehicle. In North Carolina these limits are 30/60/25 which means you must have $30,000 of bodily injury coverage per person, $60,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.
- If you have a lien on your Dodge, it’s most likely the lender will force you to have insurance to guarantee payment of the loan. If the policy lapses, the lender may have to buy a policy to insure your Dodge at a more expensive rate and force you to pay much more than you were paying before.
- Insurance protects not only your Dodge but also your financial assets. It will also provide coverage for hospital and medical expenses incurred in an accident. As part of your policy, liability insurance also covers legal expenses if you are sued as the result of an accident. If your Dodge gets damaged, comprehensive (other-than-collision) and collision coverage will cover the repair costs.
The benefits of carrying adequate insurance more than offset the price you pay, especially with large liability claims. In a recent study of 1,000 drivers, the average customer is overpaying more than $830 a year so compare rates at every renewal to ensure rates are competitive.
Do the work, save more money
In this article, we covered a lot of ways to reduce Dodge Journey insurance premium rates online in Charlotte. The most important thing to understand is the more price quotes you have, the more likely it is that you will get a better rate. You may even discover the best premium rates are with a lesser-known regional company.
Consumers change insurance companies for many reasons like delays in paying claims, being labeled a high risk driver, not issuing a premium refund or even unfair underwriting practices. It doesn’t matter why you want to switch switching auto insurance companies is pretty simple and you could end up saving a buck or two.
When shopping online for auto insurance, do not buy lower coverage limits just to save a few bucks. Too many times, drivers have reduced liability limits or collision coverage only to discover later that the savings was not a smart move. Your strategy should be to purchase plenty of coverage at a price you can afford while not skimping on critical coverages.
How to find affordable Dodge Journey insurance in Charlotte
If you want to save the most money, the best way to get more affordable Dodge Journey insurance is to do a yearly price comparison from insurers who can sell car insurance in Charlotte.
- Spend a few minutes and learn about how your policy works and the things you can change to keep rates in check. Many policy risk factors that result in higher rates like traffic violations and a negative credit rating can be rectified by paying attention to minor details.
- Quote rates from independent agents, exclusive agents, and direct companies. Exclusive and direct companies can only give rate quotes from a single company like GEICO and State Farm, while independent agents can provide prices for a wide range of companies. Compare rates
- Compare the new rates to the premium of your current policy and see if you can save money. If you find a lower rate and switch companies, make sure coverage does not lapse between policies.
- Notify your current company to cancel your current auto insurance policy. Submit any necessary down payment along with the completed application for your new policy. As soon as you can, place your new proof of insurance certificate with your registration paperwork.
The most important part of shopping around is that you’ll want to make sure you compare the same physical damage deductibles and liability limits on each quote request and and to get rate quotes from every insurance company. This provides an accurate price comparison and a thorough selection of prices.
Additional articles
- Auto Insurance Facts and Statistics (Insurance Information Institute)
- Who Has the Cheapest Charlotte Car Insurance Rates for Handicapped Drivers? (FAQ)
- Who Has Affordable Charlotte Auto Insurance Quotes for a Chevrolet Equinox? (FAQ)
- Who Has Cheap Charlotte Car Insurance Rates for Low Income Drivers? (FAQ)
- How Much are Charlotte Car Insurance Quotes for a Chevrolet Silverado? (FAQ)
- Who Has Cheap Auto Insurance Rates for Good Students in Charlotte? (FAQ)
- How Much is Auto Insurance for 17 Year Olds in Charlotte? (FAQ)
- Who Has Cheap Auto Insurance Quotes for Business Use in Charlotte? (FAQ)
- Who Has the Cheapest Auto Insurance Quotes for a 20 Year Old Female in Charlotte? (FAQ)
- Who Has Cheap Charlotte Auto Insurance for a Nissan Rogue? (FAQ)
- Understanding Limits and Deductibles (Allstate)
- Where can I buy Insurance? (Insurance Information Institute)
- Your Car has been Stolen: Now What? (Allstate)
- Car Insurance FAQ (Trusted Choice)