Want to learn the secrets to finding more competitive Dodge Journey insurance in Lexington? Locating cheaper insurance for a Dodge Journey in Kentucky could be difficult, but you can follow the following methods and make it easy.
There is a right way and a wrong way to buy insurance so you’re going to learn the best way to quote coverages on a Dodge and obtain the lowest possible price.
Finding and buying the best car insurance coverage in Lexington is not as hard as you may think. If you’re already insured or just want to reduce your rates, use these techniques to save money without having to cut coverage. Smart buyers only need to know the quickest method to compare price quotes online.
Low Cost companies for Dodge Journey insurance in Kentucky
The following companies are our best choices to provide free quotes in Lexington, KY. In order to find the best cheap auto insurance in Kentucky, we suggest you visit two to three different companies to get a more complete price comparison.
Statistics and details
The price information below showcases different policy rates for Dodge Journey models. Being more informed about how prices are formulated can assist in making decisions when choosing a new policy provider.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Journey SE 2WD | $206 | $282 | $326 | $20 | $98 | $932 | $78 |
| Journey SXT 2WD | $206 | $342 | $326 | $20 | $98 | $992 | $83 |
| Journey R/T 2WD | $232 | $342 | $326 | $20 | $98 | $1,018 | $85 |
| Journey SXT Crew 2WD | $232 | $342 | $326 | $20 | $98 | $1,018 | $85 |
| Journey SXT AWD | $232 | $342 | $326 | $20 | $98 | $1,018 | $85 |
| Journey R/T AWD | $232 | $404 | $326 | $20 | $98 | $1,080 | $90 |
| Journey SXT Crew AWD | $232 | $404 | $326 | $20 | $98 | $1,080 | $90 |
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Above prices assume married male driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Kentucky minimum liability limits. Discounts applied include homeowner, multi-vehicle, claim-free, multi-policy, and safe-driver. Premium amounts do not factor in zip code location which can raise or lower coverage prices substantially.
The diagram below highlights how deductible selection and can affect Dodge Journey annual premium costs for different insured age categories. The information is based on a single male driver, comprehensive and collision coverage, and no discounts are applied to the premium.
Insurance cost for men versus women
The diagram below illustrates the difference between Dodge Journey insurance costs for male and female drivers. The costs are based on no violations or accidents, full physical damage coverage, $500 deductibles, marital status is single, and no other discounts are factored in.
Lower Insurance Rates with These Tips
Multiple criteria are considered when you get a price on insurance. Some are pretty understandable like an MVR report, but some are not quite as obvious such as your credit history or your commute time. The best way to find cheaper insurance is to take a look at the rating factors that play a part in calculating your insurance rates. When you understand what determines base rates, this empowers consumers to make smart changes that could help you find big savings.
Tickets and citations cost more than a fine – Being a careful driver impacts premiums far more than you think. Having just one speeding ticket can increase rates substantially. Drivers with clean records pay lower auto insurance prices than bad drivers. Drivers who have received dangerous citations such as 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 their state motor vehicle department in order to legally drive.
The chart below demonstrates how traffic citations and accident claims impact Dodge Journey insurance premiums for each age group. The premium estimates are based on a married female driver, full coverage, $250 deductibles, and no discounts are applied.
Deductibles are a factor – Deductibles for physical damage represent how much money you are willing to pay if you file a covered claim. Physical damage insurance, termed comprehensive and collision coverage on your policy, covers damage that occurs to your car. Examples of covered claims would be colliding with a stationary object, collision with a deer, or theft of your vehicle. The more expense you’re willing to pay, the better rate you will receive.
Insurance rates for married couples – Being married can actually save you money when shopping for insurance. Marriage translates into being more financially stable and statistics show drivers who are married file infrequent claims.
Higher premiums for insurance lapses – Driving without insurance coverage in place is not a good idea and you may have a hard time finding new coverage because you let your insurance lapse. In addition to paying higher premiums, being ticketed for driving with no insurance may result in fines or a revoked license.
Use one insurance company and save – Most companies will award lower prices to buyers who buy several policies from them such as combining an auto and homeowners policy. Even with this discount, it’s always a smart idea to compare other Lexington Journey insurance rates to ensure the best deal.There is a good possibility that you can save money even if you have your coverage with different companies
Loss statistics for a Dodge Journey – Companies use past insurance losses to calculate a price that offsets possible losses. Vehicles that historically have higher number or severity of losses will be charged more to insure.
The table below illustrates the collected loss data for Dodge Journey vehicles. For each policy coverage, the claim amount for all vehicles, regardless of make or model, is a value of 100. Values under 100 suggest a positive loss record, while numbers above 100 point to more losses or an increased probability of a larger loss.
| 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 IIHS.org for 2013-2015 Model Years
Verify you’re receiving every discount
Car insurance is neither fun to buy or cheap, but you might already qualify for some discounts that you may not know about. Certain reductions will be credited when you purchase, but once in a while a discount must be inquired about prior to receiving the credit.
- Early Switch Discount – Select car insurance companies give a discount for buying a policy before your current expiration date. The savings is around 10%.
- Onboard Data Collection – Lexington drivers who agree to allow data collection to scrutinize driving patterns through the use of a telematics system such as In-Drive from State Farm or Allstate’s Drivewise system might get better premium rates if they exhibit good driving behavior.
- New Vehicle Savings – Insuring a vehicle that is new can cost up to 25% less because new model year vehicles have to meet stringent safety requirements.
- Auto/Home Discount – If you have multiple policies and place coverage with the same company you could save at least 10% off all policies.
- More Vehicles More Savings – Buying insurance for multiple cars or trucks on a single policy can reduce rates for all insured vehicles.
- Discount for Good Grades – Maintaining excellent grades may save as much as 25% on a Lexington auto insurance quote. You can use this discount normally up to age 25.
Don’t be surprised that most of the big mark downs will not be given to the entire cost. The majority will only reduce the price of certain insurance coverages like liability and collision coverage. So when it seems like you can get free auto insurance, you won’t be that lucky.
The chart below shows the difference between Dodge Journey car insurance rates with and without discounts applied to the premium. The costs are based on a female driver, no accidents, no driving violations, Kentucky state minimum liability limits, comp and collision included, 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, claim-free, multi-car, and marriage discounts applied.
Insurance companies that may offer some of the above discounts include:
If you are trying to find affordable Lexington auto insurance quotes, ask each company which discounts they offer. A few discounts may not apply to policies in every state. If you would like to see a list of insurers that offer multiple discounts in Lexington, click this link.
Are car insurance agents a thing of the past?
A small number of people prefer to get advice from a local agent and that is a smart decision Licensed agents can answer important questions and help submit paperwork. The biggest benefit of getting online price quotes is the fact that drivers can get cheap car insurance rates and still buy from a local agent. Buying from and supporting local insurance agents is important especially in Lexington.
After filling out this form (opens in new window), the quote information is sent to local insurance agents in Lexington who will give you quotes for your coverage. It simplifies rate comparisons since you won’t have to contact any insurance agencies because prices are sent to you instantly. If you have a need to quote rates from a particular provider, don’t hesitate to visit that company’s website and complete a quote there.
If you’re trying to find local Lexington agents, there are two different types of agencies and how they can service your needs differently. Car insurance agents are categorized either independent agents or exclusive agents depending on their employer. Both can sell and service car insurance coverage, but it’s worth mentioning the difference in how they write coverage because it can factor into which agent you choose.
Independent Car Insurance Agents (or Brokers)
Independent insurance agents do not sell for just one brand and that is an advantage because they can write policies through many companies and potentially find a lower price. To move your coverage to a new company, an independent agent can move your coverage and that require little work on your part.
When comparing car insurance prices, we recommend you compare quotes from at least one independent agent for maximum quote selection. Many write coverage with smaller regional carriers which may have better rates.
Listed below are independent agencies in Lexington that may be able to give free rate quotes.
- KY Insurance and Investment Grp
3320 Clays Mill Rd Suite 214 – Lexington, KY 40503 – (859) 224-0316 – View Map - Barnes Insurance Center
1202 Winchester Rd #100 – Lexington, KY 40505 – (859) 253-2728 – View Map - Kentucky Insurance Inc
1750 Alexandria Dr – Lexington, KY 40504 – (859) 277-8877 – View Map
Exclusive Agencies
Agents that elect to be exclusive can only provide pricing for a single company and examples are State Farm, Allstate, and Farm Bureau. These agents are unable to provide prices from multiple companies so you need to shop around if the rates are high. They are well schooled in insurance sales which helps offset the inability to provide other markets. Some insured continue to use the same exclusive agent mostly because of high brand loyalty rather than having the cheapest rates.
Below is a short list of exclusive agencies in Lexington who can help you get price quotes.
- Allstate Insurance: Bryon Elkins
3101 Richmond Rd #311a – Lexington, KY 40509 – (859) 488-2531 – View Map - Allstate Insurance: Joshua Williams
2240 Executive Dr Ste 103 – Lexington, KY 40505 – (859) 243-0162 – View Map - State Farm: Mike Brownell
501 Darby Creek Rd – Lexington, KY 40509 – (859) 543-8454 – View Map
Picking an auto insurance agent requires more thought than just the quoted price. The answers to these questions are important, too.
- Is there a 24/7 contact number?
- What is the agency’s Better Business Bureau rating?
- Are they giving you every discount you deserve?
- Is vehicle mileage a factor when determining depreciation for repairs?
- Is the quote a firm price?
- How much training do they have in personal risk management?
- Has the agent ever had any license suspensions?
Car insurance company ratings
Buying coverage from a high-quality car insurance provider is hard considering how many different companies insure vehicles in Kentucky. The rank data listed below may help you select which car insurance companies to look at comparing rates with.
Top 10 Lexington Car Insurance Companies Ranked by Customer Service
- USAA
- Travelers
- AAA Insurance
- Nationwide
- Safeco Insurance
- Progressive
- State Farm
- The Hartford
- The General
- Esurance
Top 10 Lexington Car Insurance Companies by A.M. Best Rank
- Travelers – A++
- USAA – A++
- GEICO – A++
- State Farm – A++
- Erie Insurance – A+
- Esurance – A+
- Progressive – A+
- Nationwide – A+
- The Hartford – A+
- Allstate – A+
Your situation helps dictate your coverage
When quoting and comparing coverage for your personal vehicles, there really is no best way to insure your cars. Every insured’s situation is different.
These are some specific questions can help discover if your situation could use an agent’s help.
- Do I pay less for low miles?
- Are rock-chip repairs free?
- Will I lose any money if I cancel my policy before it expires?
- How do I file an SR-22 for a DUI in Kentucky?
- Are my company tools covered if they get stolen?
- Can I afford low physical damage deductibles?
- Does coverage follow the driver or the vehicle?
- What does medical payments coverage do?
If you’re not sure about those questions, you may need to chat with an agent. To find lower rates from a local agent, take a second and complete this form. It’s fast, doesn’t cost anything and can provide invaluable advice.
One last thing to lower rates
Budget-friendly car insurance in Lexington is definitely available from both online companies as well as from independent agents in Lexington, so you need to shop Lexington auto insurance with both so you have a total pricing picture. Some insurance companies may not have rate quotes online and many times these smaller companies prefer to sell through local independent agents.
We just covered a lot of tips how to get a better price on Dodge Journey insurance in Lexington. The most important thing to understand is the more quotes you get, the higher your chance of finding the cheapest Dodge Journey rate quotes. You may even discover the lowest prices come from some of the smallest insurance companies.
As you prepare to switch companies, never buy poor coverage just to save money. There have been many situations where an accident victim reduced liability limits or collision coverage and discovered at claim time that it was a big error on their part. Your focus should be to get the best coverage possible at the lowest possible cost, but do not sacrifice coverage to save money.
How to find lower priced Dodge Journey insurance in Lexington
The most effective way to find discount car insurance rates in Lexington is to make a habit of comparing prices annually from insurers in Kentucky. Drivers can shop around by following these guidelines.
First, read and learn about individual coverages and the measures you can take to drop your rates. Many risk factors that result in higher rates such as accidents, traffic tickets, and a not-so-good credit history can be remedied by making small lifestyle or driving habit changes.
Second, compare price quotes from direct carriers, independent agents, and exclusive agents. Exclusive agents and direct companies can only provide price estimates from a single company like GEICO or State Farm, while independent agents can provide prices from multiple sources.
Third, compare the new rate quotes to your current policy premium to see if switching to a new carrier will save money. If you find better rates and switch companies, verify that coverage does not lapse between policies.
Fourth, give notification to your agent or company to cancel your existing policy and submit a signed application and payment to your new agent or company. Don’t forget to store the certificate verifying proof of insurance in your vehicle’s glove compartment or console.
A good tip to remember is to try to compare the same level of coverage on every price quote and and to get rates from as many different companies as possible. Doing this provides a level playing field and a better comparison of the market.
Additional information can be read at these links:
- Teen Driving Statistics (GEICO)
- How Much is Car Insurance for Teachers in Lexington? (FAQ)
- Who Has Cheap Lexington Car Insurance for Seniors? (FAQ)
- Who Has the Cheapest Lexington Auto Insurance for Drivers with a Bad Driving Record? (FAQ)
- Who Has the Cheapest Auto Insurance Rates for Drivers with Accidents in Lexington? (FAQ)
- Where can I buy Insurance? (Insurance Information Institute)
- Safe Vehicles for Teens (iihs.org)
- How to Avoid Buying a Flooded Car (Insurance Information Institute)
- Rollover Crash FAQ (iihs.org)