If you want to find the absolute lowest rates, then the best way to find low-cost auto insurance rates is to begin comparing prices regularly from insurers in Boston. You can shop around by following these guidelines.
First, spend some time learning about what is in your policy and the changes you can make to lower rates. Many rating criteria that increase rates such as tickets, at-fault accidents, and an imperfect credit history can be rectified by making lifestyle changes or driving safer.
Second, get rate quotes from direct, independent, and exclusive agents. Direct and exclusive agents can only give rate quotes from one company like Progressive or Allstate, while agents who are independent can provide rate quotes from multiple insurance companies.
Third, compare the quotes to your existing policy to determine if you can save on Journey insurance in Boston. If you find a better price and switch companies, make sure coverage does not lapse between policies.
The key aspect of shopping around is to make sure you're comparing the same physical damage deductibles and liability limits on every quote request and and to compare as many companies as possible. Doing this guarantees an accurate price comparison and a complete rate analysis.
It's an obvious statement that insurance companies don't want you to look for a cheaper policy. Insureds who shop around for the cheapest rate will most likely switch to a new company because they stand a good chance of finding a lower-cost company. A recent survey discovered that drivers who compared prices regularly saved on average $865 annually compared to people who never compared prices.
If finding the cheapest price for car insurance is why you're here, knowing how to find and compare insurance rates can make it easier for you to save money.
If you have insurance now or are looking for a new policy, you can follow these tips to find better prices and still have adequate protection. Finding the cheapest auto insurance coverage in Boston seems hard but is not really that difficult. Vehicle owners just have to understand the quickest method to buy auto insurance on the web.
Most companies such as 21st Century, Allstate and State Farm make it easy to get insurance quotes from their websites. Comparing Dodge Journey insurance rates online can be done by anyone because it's just a matter of typing in the amount of coverage you want on the page. Once entered, their quoting system orders your credit score and driving record and returns a price quote based on these factors. Using the web to get rates for Dodge Journey insurance in Boston streamlines rate comparisons, and it's also necessary to get many rate quotes if you are searching for the lowest payment.
To quickly find out if lower rates are available, compare rates now from the companies shown below. If you have coverage now, it's recommended that you enter the coverage information exactly as shown on your declarations page. This guarantees you will receive a fair comparison using the exact same coverages.
The companies in the list below offer quotes in Boston, MA. If your goal is to find the cheapest auto insurance in Boston, it's highly recommended you visit several of them to find the cheapest auto insurance rates.
Discount Boston insurance rates
Companies that sell car insurance don't list all available discounts in an easy-to-find place, so the list below gives a summary of some of the more common as well as the least known credits that you can use to lower your rates.
- Discounts for Government Workers - Active or retired federal employment may reduce rates when you quote Boston auto insurance depending on your company.
- Telematics Data Discounts - Drivers that enable their insurance company to track driving habits by using a small device installed in their vehicle such as Progressive's Snapshot may see discounts as long as they are good drivers.
- College Student - Any of your kids who are attending college and do not have access to a covered vehicle can receive lower rates.
- Paperless Signup - Many companies will provide an incentive simply for signing digitally online.
- Senior Discount - Drivers over the age of 55 are able to get a small decrease in premiums.
- Student Discounts - A discount for being a good student can be rewarded with saving of up to 25%. Most companies allow this discount up to age 25.
- Policy Bundle Discount - If you can bundle your home and auto insurance with one insurance company you will save over 10 percent off each policy depending on the company.
- Cautious Drivers - Accident-free drivers may save up to 50% more than drivers with accident claims.
- Discount for Life Insurance - Some companies give a discounted rate on car insurance if you buy a life insurance policy as well.
- Multiple Vehicles - Purchasing coverage when you have all your vehicles on one policy qualifies for this discount.
It's important to understand that most discounts do not apply to all coverage premiums. The majority will only reduce specific coverage prices like collision or personal injury protection. So even though they make it sound like all those discounts means the company will pay you, nobody gets a free ride. But all discounts will help lower the cost of coverage.
The illustration below shows the difference between Dodge Journey insurance premiums with and without discounts applied to the policy rates. Data assumes a male driver, no claims, a clean driving record, Massachusetts state minimum liability limits, comprehensive and collision coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with homeowner, claim-free, safe-driver, marriage, multi-policy, and multi-car discounts applied.
A few popular companies and a selection of discounts can be read below.
- State Farm offers discounts including safe vehicle, multiple policy, defensive driving training, student away at school, driver's education, and Drive Safe & Save.
- Progressive includes discounts for homeowner, multi-vehicle, continuous coverage, online quote discount, good student, and online signing.
- Progressive policyholders can earn discounts including homeowner, online signing, multi-policy, online quote discount, and continuous coverage.
- MetLife may include discounts for claim-free, accident-free, good student, multi-policy, good driver, and defensive driver.
- Farm Bureau has savings for good student, safe driver, driver training, renewal discount, multi-policy, multi-vehicle, and 55 and retired.
- GEICO offers premium reductions for emergency military deployment, membership and employees, federal employee, seat belt use, and air bags.
- SAFECO discounts include anti-lock brakes, homeowner, accident prevention training, safe driver, multi-car, and teen safety rewards.
It's a good idea to ask each insurance company to give you their best rates. A few discounts might not be offered on policies in your area.
Dodge Journey coverage analysis
The table shown below showcases estimates of insurance prices for Dodge Journey models. Understanding more about how insurance policy premiums are formulated can be useful when making informed purchases.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Journey SE 2WD||$198||$296||$314||$18||$94||$920||$77|
|Journey SXT 2WD||$198||$362||$314||$18||$94||$986||$82|
|Journey R/T 2WD||$224||$362||$314||$18||$94||$1,012||$84|
|Journey SXT Crew 2WD||$224||$362||$314||$18||$94||$1,012||$84|
|Journey SXT AWD||$224||$362||$314||$18||$94||$1,012||$84|
|Journey R/T AWD||$224||$426||$314||$18||$94||$1,076||$90|
|Journey SXT Crew AWD||$224||$426||$314||$18||$94||$1,076||$90|
|Get Your Own Custom Quote Go|
Premium data assumes married female driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and Massachusetts minimum liability limits. Discounts applied include claim-free, multi-policy, homeowner, safe-driver, and multi-vehicle. Rates do not factor in specific location information which can change coverage prices substantially.
The chart below illustrates how choosing a deductible and can increase or decrease Dodge Journey premium costs for each age group. The premiums assume a married female driver, full coverage, and no discounts are applied.
Why You Might Pay Increased Rates in Boston
The best way to find cheaper car insurance is to take a look at the factors that play a part in calculating your car insurance rates. When consumers understand what controls the rates you pay, this allows you to make good choices that can earn you better car insurance rates.
Where you call home factors in - Living in less populated areas of the country is a good thing if you are looking for the lowest rates. Fewer drivers and short commutes translates into fewer accidents as well as less vandalism and auto theft. City drivers tend to have congested traffic and longer commute times. Longer commute distances translates into higher accident risk.
Infrequent drivers can save - The higher the miles on your Dodge in a year's time the more you'll pay to insure your vehicle. The majority of insurers calculate rates partially by how you use the vehicle. Vehicles not used for work or commuting receive lower rates than cars that get driven a lot. It's a smart idea to ensure your policy is rated on how each vehicle is driven, because it can save money. A policy that improperly rates your Journey may be costing you higher rates.
Cheaper prices for prior coverage - Having a gap between insurance policy dates will be a fast way to increase your rates. And not only will your rates increase, getting caught without coverage could result in fines and jail time.
Cheaper rates after marriage - Getting married can get you a discount compared to being single. Having a significant other generally demonstrates drivers are more financially stable and it's statistically proven that drivers who are married are more cautious.
Little extras can really add up - Policies have add-on coverages that can waste your money on your car insurance policy. Coverages for coverage for rental cars, death and dismemberment, and extra equipment coverage may be wasting your money. They may seem like a good idea when talking to your agent, but if they're wasting money get rid of them and save.
Dodge Journey insurance loss probability - Companies use historical loss data when they file their rates in each state. Vehicles that the statistics show to have increased losses will have higher rates for specific coverages. The table below outlines the collected loss data for Dodge Journey vehicles.
For each coverage category, the claim amount for all vehicles, as a total average, is equal to 100. Values that are under 100 represent a good loss history, while numbers above 100 indicate a higher chance of having a claim or an increased likelihood of larger losses.
|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
Data Source: Insurance Institute for Highway Safety for 2013-2015 Model Years
Local Boston insurance agencies and insurance
Some people just want to have an agent's advice and that is a personal choice. Insurance agents can make sure you are properly covered and help in the event of a claim. A good thing about price shopping on the web is that drivers can save money and get cheap insurance quotes and still have a local agent.
Once you complete this short form, the coverage information is sent to local insurance agents in Boston who want to provide quotes for your insurance coverage. It simplifies rate comparisons since you won't have to drive around because quoted prices will be sent to you directly. If you wish to get a price quote from a specific insurance provider, don't hesitate to search and find their rate quote page and fill out their quote form.
Finding the right insurer should depend on more than just the quoted price. Get answers to these questions too.
- Is the agency covered by Errors and Omissions coverage?
- Are aftermarket or OEM parts used to repair vehicles?
- Is auto insurance their primary focus in Boston?
- How often do they review coverages?
- Will they make sure you get an adequate claim settlement?
- Is the agency active in community causes in Boston?
Exclusive or Independent: There is a difference
When looking for a good insurance agency, it's important to understand the types of agencies from which to choose. Insurance policy providers can either be exclusive agents or independent agents. Either one can handle insurance, but we need to point out the differences because it can factor into your selection of an agent.
Exclusive Insurance Agents
Agents of this type can only write with one company and some examples include Farmers Insurance, State Farm, Allstate, and AAA. These agents are unable to place coverage with different providers so you might not find the best rates. Exclusive agents are usually quite knowledgeable on their company's products which helps offset the inability to provide other markets.
The following is a list of exclusive agencies in Boston who may provide you with price quotes.
Independent Insurance Agents
Independent agents do not write with just one company and that enables them to quote your coverage amongst many companies depending on which coverage is best. To move your coverage to a new company, they simply move your policy to a different company which makes it simple for you.
When comparing insurance prices, we recommend you include price quotes from at a minimum one independent agency to maximize your price options.
Shown below is a short list of independent insurance agencies in Boston that are able to give price quote information.
Upon receiving positive responses to all your questions as well as low cost Dodge Journey insurance quotes, it's a good possibility that you have found an auto insurance agent that is reliable enough to properly insure your vehicles. Just understand that once you purchase a policy you can cancel your policy whenever you choose to so never assume that you're stuck with the insurance policy for any length of time.
What insurance coverages do I need?
When selecting coverage online or from an agent for your vehicles, there really is no single plan that fits everyone. Everyone's situation is unique.
For instance, these questions might point out if you might need professional guidance.
- Is my custom paint covered by insurance?
- Am I getting all the discounts available?
- Can I cancel at any time?
- When would I need rental car insurance?
- Should I pay a claim out-of-pocket?
- Am I covered if I hit my neighbor's mailbox?
- Do I need PIP coverage since I have good health insurance?
- Does every company file a SR-22 automatically?
If you can't answer these questions but you think they might apply to your situation, you might consider talking to an agent. If you don't have a local agent, simply complete this short form. It's fast, free and can help protect your family.
Auto insurance company ratings
Buying coverage from the best auto insurance provider can be a challenge considering how many choices you have in Boston. The ranking information listed below could help you pick which providers to look at buying from.
|Company||Value||Customer Service||Claims||Customer Satisfaction||A.M Best Rating||Overall Score|
|Compare Rates Now Go|
Data Source: Insure.com Best Car Insurance Companies
Affordable insurance premiums are out there
Throughout this article, we presented a lot of techniques to reduce Dodge Journey insurance prices online in Boston. The key concept to understand is the more companies you get rates for, the better your chances of lowering your rates. Drivers may even discover the lowest prices come from a lesser-known regional company.
Some insurance companies don't offer the ability to get quotes online and many times these small, regional companies work with local independent agents. Affordable Dodge Journey insurance in Boston can be bought online and with local Boston insurance agents, and you should be comparing both to have the best rate selection.
People switch companies for many reasons like extreme rates for teen drivers, high rates after DUI convictions, lack of trust in their agent or even delays in responding to claim requests. No matter why you want to switch, finding the right insurance provider is actually quite simple.
Additional information can be found on the following sites:
- How do I File a Claim? (Insurance Information Institute)
- Who Has the Cheapest Car Insurance for a Chevrolet Equinox in Boston? (FAQ)
- Who Has Affordable Car Insurance Quotes for a Jeep Grand Cherokee in Boston? (FAQ)
- Vehicle Insurance (Wikipedia)
- Anti-Lock Brake FAQ (iihs.org)
- Collision Insurance Coverage (Nationwide)
- Auto Insurance FAQ (Farmers Insurance)