Insurance quote for Dodge Journey in HonoluluDo you want to save money by buying lower-priced Dodge Journey insurance in Honolulu? Paying low cost prices for Dodge Journey insurance in Honolulu might be slightly frustrating for drivers not familiar with online price comparisons. Since there are so many companies, it can easily become more work than you anticipated to find the best price in Hawaii on Dodge Journey insurance.

Sad but true, nearly 70% of consumers have remained with the same insurance company for a minimum of four years, and nearly 40% of drivers have never compared rates with other companies. Honolulu insurance shoppers could pocket approximately 40% a year just by shopping around, but most tend to underestimate the benefits if they changed companies.

Consumers should take time to price shop coverage every six months due to the fact that insurance rates tend to go up over time. If you had the best premium rates on Dodge Journey insurance in Honolulu last year other companies may now be cheaper. There are lots of tips to save on Journey insurance on the internet, but in this article, you're going to get the best ways to find cheap insurance in Honolulu.

Dodge Journey insurance discounts in Honolulu

Auto insurance is not an enjoyable expense, but there could be significant discounts that can drop the cost substantially. Some discounts apply automatically when you purchase, but lesser-known reductions have to be manually applied before they will apply.

We need to note that most credits do not apply to your bottom line cost. The majority will only reduce the cost of specific coverages such as liability and collision coverage. Even though the math looks like all those discounts means the company will pay you, insurance companies wouldn't stay in business.

To locate companies that offer discounts in Hawaii, click here to view.

Affordable Honolulu Dodge Journey insurance quotes online

When quoting auto insurance, remember that comparing more prices helps locate a lower rate. Some companies don't provide online Honolulu Journey insurance quotes, so you need to compare quotes from them as well.

The companies in the list below have been selected to offer free rate quotes in Honolulu, HI. If the list has multiple companies, it's a good idea that you get rate quotes from several of them to get the cheapest price.

Dodge Journey Insurance Rates in Honolulu, HI
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Journey SE 2WD $130 $194 $254 $16 $76 $670 $56
Journey SXT 2WD $200 $396 $320 $18 $96 $1,030 $86
Journey R/T 2WD $112 $184 $254 $16 $76 $642 $54
Journey SXT Crew 2WD $180 $314 $344 $20 $104 $962 $80
Journey SXT AWD $130 $200 $272 $16 $82 $700 $58
Journey R/T AWD $224 $398 $270 $16 $80 $988 $82
Journey SXT Crew AWD $208 $402 $358 $22 $106 $1,096 $91
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Data variables include single female driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Hawaii minimum liability limits. Discounts applied include safe-driver, claim-free, multi-vehicle, homeowner, and multi-policy. Price information does not factor in specific garaging location which can influence insurance rates greatly.

Comparison of car insurance rates by gender and age

The chart below shows the comparison of Dodge Journey car insurance costs for male and female drivers. The data is based on no violations or accidents, comp and collision included, $250 deductibles, drivers are not married, and no discounts are factored in.

Should you raise deductibles?

One of the more difficult decisions when buying car insurance is how high or low should comp and collision deductibles be. The figures shown below may help to conceptualize the differences in premium rates when you select higher and lower insurance deductibles. The first pricing table uses a $100 physical damage coverage deductible and the second price grid uses a $500 deductible.

Dodge Journey insurance rates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Journey SE 2WD $228 $338 $264 $16 $80 $951 $79
Journey SXT 2WD $228 $412 $264 $16 $80 $1,025 $85
Journey R/T 2WD $258 $412 $264 $16 $80 $1,055 $88
Journey SXT Crew 2WD $258 $412 $264 $16 $80 $1,055 $88
Journey SXT AWD $258 $412 $264 $16 $80 $1,055 $88
Journey R/T AWD $258 $484 $264 $16 $80 $1,127 $94
Journey SXT Crew AWD $258 $484 $264 $16 $80 $1,127 $94
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Dodge Journey insurance rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Journey SE 2WD $166 $228 $264 $16 $80 $754 $63
Journey SXT 2WD $166 $278 $264 $16 $80 $804 $67
Journey R/T 2WD $188 $278 $264 $16 $80 $826 $69
Journey SXT Crew 2WD $188 $278 $264 $16 $80 $826 $69
Journey SXT AWD $188 $278 $264 $16 $80 $826 $69
Journey R/T AWD $188 $328 $264 $16 $80 $876 $73
Journey SXT Crew AWD $188 $328 $264 $16 $80 $876 $73
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Table data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Hawaii minimum liability limits. Discounts applied include claim-free, multi-vehicle, multi-policy, homeowner, and safe-driver. Estimates do not factor in specific location information which can impact coverage prices significantly.

Based on the above data, using a $100 deductible costs an average of $19 more each month or $228 for a full year than selecting the higher $500 deductible. Since the policyholder would be required to pay $400 more out of your own pocket with a $500 deductible as compared to a $100 deductible, if you tend to go more than 21 months between claim filings, you would probably come out ahead if you choose the higher deductible.

An analysis of deductible level

The diagram below illustrates how your choice of deductibles and can affect Dodge Journey annual premium costs for different age categories. The rate quotes are based on a married male driver, full physical damage coverage, and no other discounts are factored in.

Learn How to Get Car Insurance Cheaper

The best way to find cheaper car insurance is to take a look at some of the factors that go into determining the price you pay for car insurance. If you know what determines base rates, this helps enable you to make changes that may result in lower car insurance prices. Many factors are considered when premium rates are determined. Some are pretty understandable such as your driving record, but some are not quite as obvious such as your credit history or your vehicle rating.

Different people need different car insurance coverages

When quoting and choosing coverage online or from an agent, there isn't really a "perfect" insurance plan. Your needs are not the same as everyone else's so your insurance needs to address that. For instance, these questions can help discover whether your personal situation will benefit from professional help.

If you can't answer these questions but a few of them apply, you may need to chat with a licensed agent. To find lower rates from a local agent, take a second and complete this form or you can also visit this page to select a carrier

Get rate quotes but work with a local Honolulu insurance agent

Many drivers still like to go talk to an agent and doing that can be a smart decision One of the best bonuses of comparing auto insurance online is the fact that drivers can get the lowest rates and still choose a local agent. And buying from local insurance agents is definitely important in Honolulu.

Honolulu insurance agentsOnce you complete this short form, your insurance coverage information is submitted to insurance agents in Honolulu who want to provide quotes for your insurance coverage. It simplifies rate comparisons since you won't have to even leave your home because quoted prices will be sent to you directly. You can find the lowest rates without a big time investment. In the event you want to get a price quote from a particular provider, just navigate to their website and fill out the quote form the provide.

When looking for local Honolulu agents, it's helpful to know the types of agencies from which to choose. Agents are considered either exclusive or independent (non-exclusive).

Independent Agents

Agents of this type are not limited to a single company so they can insure your vehicles with a variety of different insurance companies and find the cheapest rate. To transfer your coverage to a different company, they simply move the coverage in-house and you won't have to switch agencies. When comparing auto insurance rates, you will definitely want to compare prices from multiple independent agents to ensure the widest selection of prices. A lot of them also have access to different regional companies which can be an advantage.

Below is a partial list of independent agencies in Honolulu that may be able to provide rate quotes.

More Honolulu agents

Exclusive Auto Insurance Agencies

Exclusive agents can usually just insure with one company such as AAA, Allstate, and State Farm. Exclusive agents cannot give you multiple price quotes so you need to shop around if the rates are high. Exclusive agencies are very knowledgeable on their company's products which helps offset the inability to provide other markets. Some people will only purchase coverage from exclusives primarily because of loyalty to the company rather than having the cheapest rates.

Listed below are Honolulu exclusive insurance agencies who can help you get price quote information.

More Honolulu agents

Choosing an car insurance agent requires you to look at more than just a cheap price quote. The questions below may impact your decision as well.

Why you need insurance

Despite the potentially high cost of Dodge Journey insurance, maintaining insurance may be required and benefits you in several ways.

The benefits of buying enough insurance definitely exceed the price paid, especially for larger claims. Despite what companies tell you, the average driver overpays as much as $869 every year so shop around every year to make sure the price is not too high.

More quotes mean more auto insurance savings

Cost effective Dodge Journey insurance can be sourced from both online companies and also from your neighborhood Honolulu agents, so get free Honolulu auto insurance quotes from both of them to get a complete price analysis. There are still a few companies who don't offer the ability to get quotes online and these small insurance companies work with local independent agents.

You just read many ways to shop for Dodge Journey insurance online. It's most important to understand that the more you quote Honolulu auto insurance, the more likely it is that you will get a better rate. You may even discover the best prices are with the smaller companies. They can often insure niche markets at a lower cost than their larger competitors like Allstate, GEICO and Progressive.

For more information, feel free to browse the resources below: