How to Find the Lowest Price for Dodge Journey Insurance in Las Vegas

Trying to find cheaper insurance for a Dodge Journey in Nevada can be an all-consuming task, but you can learn our auto insurance buying tips and make it easy.

There are both good and bad ways to shop for auto insurance and you need to know the proper way to quote coverages for your Dodge and obtain the lowest possible price either online or from Las Vegas insurance agents.

You need to compare rates occasionally because prices fluctuate regularly. If you had the lowest rates for Journey insurance six months ago you can probably find a better price now. Forget anything you know (or think you know) about auto insurance because I’m going to let you in on the secrets to the best methods to get good coverage at a lower rate.

Factors that might impact rates for a Dodge Journey

An important part of buying insurance is that you know the different types of things that come into play when calculating the price you pay for auto insurance. Having a good understanding of what controls the rates you pay helps enable you to make changes that may reward you with much lower annual insurance costs.

Your location affects your rates – Being located in a rural area can be a good thing when it comes to auto insurance. Urban drivers regularly have much more traffic and longer commute times. Less people living in that area translates into fewer accidents as well as less vandalism and auto theft.
The more you drive the more you pay – The higher the mileage driven in a year the higher your rate. Almost all companies charge to insure your cars based on how the vehicle is used. Cars that are left in the garage get more affordable rates as compared to vehicles used primarily for driving to work. Verify your auto insurance declarations sheet is rated on the correct usage for each vehicle. If your policy improperly rates your Journey can cost quite a bit.
Drive a safer car and pay less – Vehicles with high crash test scores get lower rates. Safer cars have better occupant injury protection and better occupant protection translates into fewer and smaller insurance claims and more competitive rates for policyholders. If your Dodge earned at least an “acceptable” rating on the Insurance Institute for Highway Safety website you may qualify for a discount.
An active claims history can cost you – If you tend to file frequent claims, you can look forward to either higher rates or even cancellation. Car insurance companies in Nevada generally give better rates to policyholders who do not file claims often. Car insurance is meant to be used in the event of larger claims.
Credit scores impact auto insurance rates – Credit score is a large factor in your rate calculation. So if your credit score is lower than you’d like, you could pay less to insure your Dodge Journey by repairing your credit. Drivers who have excellent credit tend to be better drivers and file fewer claims than drivers who have poor credit.
Optional equipment can affect rates – Choosing a vehicle with an alarm system can help lower your rates. Anti-theft features such as vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems can thwart car theft.

Save big with these discounts

Car insurance is not cheap, but you can get discounts to help bring down the price. Some trigger automatically when you purchase, but some may not be applied and must be manually applied in order for you to get them.

Multiple Vehicles – Buying insurance for multiple vehicles on one policy qualifies for this discount.
Early Switch Discount – Some insurance companies reward drivers for signing up prior to your current policy expiring. It’s a savings of about 10%.
Anti-lock Brake Discount – Vehicles with anti-lock braking systems prevent accidents and will save you 10% or more.
Fewer Miles Equal More Savings – Driving fewer miles can qualify you for better rates on cars that stay parked.
Auto/Home Discount – If you have multiple policies with the same company you will save 10% to 20% off each policy.
Use Seat Belts – Drivers who require all occupants to buckle their seat belts can save up to 15% off the personal injury premium cost.
Military Rewards – Having a deployed family member could mean lower rates.
Good Students Pay Less – A discount for being a good student can earn a discount of 20% or more. This discount can apply up until you turn 25.
Driver Safety – Taking part in a course teaching defensive driving skills could possibly earn you a 5% discount depending on where you live.

Keep in mind that most discount credits are not given to the entire cost. Most only cut the cost of specific coverages such as medical payments or collision. So even though it sounds like it’s possible to get free car insurance, auto insurance companies aren’t that generous. Any qualifying discounts will reduce the amount you have to pay.

To see a list of companies with the best auto insurance discounts in Las Vegas, click here to view.

Car Insurance through a local agent

Some consumers just want to talk to a local agent. One of the best bonuses of comparing insurance prices online is that you can obtain the lowest rates but also keep your business local. Buying from small agencies is important particularly in Las Vegas.

After completing this simple form, your insurance coverage information is emailed to local insurance agents who will return price quotes for your business. You never need to leave your computer as quotes are delivered to your email. Now that’s easy! You’ll get the best rates AND a local agent.

Is a captive or independent insurance agent right for you?

When finding a local agent, you must know there are a couple different types of agents to choose from. Agencies in Las Vegas are either captive or independent.

Independent Agents

Independent agencies are not employed by any specific company but instead can place your coverage amongst many companies and potentially find a lower price. If your agent finds better pricing, the agent simply finds a different carrier without you having to go to a different agency.

When searching for an agent, we recommend you contact multiple independent agents for the best price selection. They also have the ability to place coverage with different regional companies which can save you money.

Captive Insurance Agents

This type of agents write business for a single company and examples are AAA, State Farm, Farmers Insurance and Allstate. These agents are unable to shop your coverage around so they are skilled at selling on more than just price. They receive extensive training on their products and sales techniques which helps them sell insurance even at higher premiums. Consumers frequently choose to use a captive agent primarily because of high brand loyalty and strong financial ratings.

Selecting an auto insurance agent shouldn’t rely on just the premium amount. These questions are important to ask:

Who are their largest clients?
Can they provide you with a list of referrals?
How long have they worked with personal auto insurance coverage?
Are claims handled at the agent’s location?
What will you get paid if your car is a total loss? How is that amount determined?

Upon receiving positive feedback for all questions you ask as well as a affordable price, chances are good that you have found a car insurance agent that will insure your vehicles.

Find out more about auto insurance

More information can be found on the Nevada Division of Insurance website. Click here for link. Consumers can find disaster information, find out industry alerts, and discover disciplinary actions.

What is YOUR best insurance company?

Budget-conscious Dodge Journey insurance can be found on the web in addition to many Las Vegas insurance agents, so compare prices from both in order to have the best chance of saving money. Some insurance providers do not provide you the ability to get quotes online and these small insurance companies work with independent agents.

While you’re price shopping online, do not buy less coverage just to save a little money. There have been many cases where an insured cut liability limits or collision coverage and found out when filing a claim that saving that couple of dollars actually costed them tens of thousands. The aim is to purchase a proper amount of coverage at an affordable rate while not skimping on critical coverages.

People who switch companies do it for many reasons like delays in responding to claim requests, being labeled a high risk driver, high rates after DUI convictions and even denial of a claim. Regardless of your reason, finding a new company can be pretty painless.