A recent study showed that the vast majority of consumers have stayed with the same insurance company for at least four years, and virtually 40% of consumers have never compared auto insurance rates at all. Kansas City insurance shoppers could pocket nearly $323 a year by just comparing quotes, but they underestimate the amount of savings they would get if they switched to a more affordable policy.
If saving money is your primary concern, then the best way to get affordable Dodge Journey insurance in Kansas City is to compare prices regularly from companies that insure vehicles in Missouri.
- Get a basic knowledge of how companies price auto insurance and the steps you can take to keep rates low. Many rating criteria that cause rate increases like at-fault accidents and an unacceptable credit history can be controlled by improving your driving habits or financial responsibility.
- Quote rates from direct carriers, independent agents, and exclusive agents. Direct and exclusive agents can only give rate quotes from a single company like Progressive or Allstate, while independent agencies can provide rate quotes from multiple insurance companies.
- Compare the new rate quotes to your current policy and determine if cheaper Journey coverage is available in Kansas City. If you can save some money and decide to switch, make sure coverage is continuous and does not lapse.
An essential thing to point out is to compare similar coverage information on each quote and and to compare every insurance company. This ensures an accurate price comparison and a complete rate analysis.
Choosing the most cost-effective auto insurance policy in Kansas City can be much easier if you know how to start. If you are already insured or are just looking to switch companies, take advantage of these tips to reduce the price you pay and possibly find even better coverage. Smart buyers just need to understand the least time-consuming way to shop their coverage around online.
The most recommended method to compare insurance rates from multiple companies utilizes the fact most of the bigger providers have advanced systems to give free rates quotes. All consumers are required to do is provide a small amount of information like whether or not you need a SR-22, which vehicles you own, deductibles desired, and if you’re married. That rating information is then sent to many of the top insurers and they return quotes instantly to find the best rate.
To compare lower-cost Dodge Journey insurance rates now, click here and see if a lower rate is available in Kansas City.
The providers in the list below have been selected to offer quotes in Missouri. To get cheap car insurance in MO, it’s a good idea that you visit several of them in order to get a fair rate comparison.
Discounts can help save money on Dodge Journey insurance in Kansas City
Companies that sell car insurance don’t necessarily list all discounts in an easy-to-find place, so the list below details some of the best known as well as some of the hidden credits that may apply to you.
- Low Mileage – Maintaining low annual mileage may allow you to get discounted prices on garaged vehicles.
- Federal Government Employee – Active or retired federal employment can earn a discount up to 10% depending on your company.
- Accident Waiver – This one isn’t a discount, but some insurance companies permit an accident before your rates go up as long as you don’t have any claims for a specific time period.
- Paper-free Discount – Some car insurance companies will give a small break for buying your policy online.
- Passive Restraints and Air Bags – Vehicles with factory air bags and/or automatic seat belt systems can qualify for discounts of 25 to 30%.
- Safety Restraint Discount – Using a seat belt and requiring all passengers to wear their seat belts can save up to 10 percent (depending on the company) off the medical payments premium.
- Professional Memberships – Affiliation with a qualifying organization can get you a small discount on your bill.
Discounts lower rates, but most credits do not apply to your bottom line cost. A few only apply to individual premiums such as medical payments or collision. So when the math indicates adding up those discounts means a free policy, company stockholders wouldn’t be very happy. But all discounts should help lower the premium cost.
The chart below illustrates the difference between Dodge Journey car insurance rates with and without discounts applied to the policy premium. The information is based on a male driver, no tickets, no at-fault accidents, Missouri state minimum liability limits, full coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with marriage, multi-policy, multi-car, claim-free, homeowner, and safe-driver discounts applied.
Larger car insurance companies and the discounts they provide include:
- State Farm discounts include multiple autos, driver’s education, safe vehicle, multiple policy, and defensive driving training.
- GEICO has discounts for anti-lock brakes, emergency military deployment, military active duty, seat belt use, and air bags.
- Progressive offers premium reductions for good student, multi-vehicle, online signing, multi-policy, and continuous coverage.
- 21st Century has savings for anti-lock brakes, teen driver, air bags, early bird, driver training, defensive driver, and 55 and older.
- American Family offers discounts for early bird, defensive driver, accident-free, bundled insurance, good driver, and air bags.
- The Hartford may include discounts for air bag, bundle, anti-theft, good student, driver training, defensive driver, and vehicle fuel type.
- AAA may offer discounts for multi-car, multi-policy, education and occupation, anti-theft, good driver, and pay-in-full.
It’s a good idea to ask each company to apply every possible discount. Savings might not be available to policyholders in Kansas City. If you would like to see a list of insurers that offer many of these discounts in Kansas City, click here to view.
Car insurance statistics for a Dodge Journey
The price information below outlines detailed analysis of insurance premium costs for Dodge Journey models. Being more informed about how auto insurance prices are established can help drivers make smart buying decisions.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Journey SE 2WD | $262 | $340 | $348 | $20 | $104 | $1,074 | $90 |
| Journey SXT 2WD | $262 | $414 | $348 | $20 | $104 | $1,148 | $96 |
| Journey R/T 2WD | $294 | $414 | $348 | $20 | $104 | $1,180 | $98 |
| Journey SXT Crew 2WD | $294 | $414 | $348 | $20 | $104 | $1,180 | $98 |
| Journey SXT AWD | $294 | $414 | $348 | $20 | $104 | $1,180 | $98 |
| Journey R/T AWD | $294 | $488 | $348 | $20 | $104 | $1,254 | $105 |
| Journey SXT Crew AWD | $294 | $488 | $348 | $20 | $104 | $1,254 | $105 |
| Get Your Own Custom Quote Go | |||||||
Data rating is based on single male driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and Missouri minimum liability limits. Discounts applied include homeowner, multi-vehicle, multi-policy, claim-free, and safe-driver. Rate quotes do not factor in the specific area where the vehicle is garaged which can revise price quotes considerably.
Comparison of policy deductibles
A question often asked by Kansas City drivers is how high or low should comp and collision deductibles be. The following tables sum up the price difference between low and high insurance deductibles. The first table uses a $250 deductible for physical damage and the second set of prices uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Journey SE 2WD | $206 | $286 | $266 | $16 | $80 | $879 | $73 |
| Journey SXT 2WD | $206 | $346 | $266 | $16 | $80 | $939 | $78 |
| Journey R/T 2WD | $232 | $346 | $266 | $16 | $80 | $965 | $80 |
| Journey SXT Crew 2WD | $232 | $346 | $266 | $16 | $80 | $965 | $80 |
| Journey SXT AWD | $232 | $346 | $266 | $16 | $80 | $965 | $80 |
| Journey R/T AWD | $232 | $408 | $266 | $16 | $80 | $1,027 | $86 |
| Journey SXT Crew AWD | $232 | $408 | $266 | $16 | $80 | $1,027 | $86 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Journey SE 2WD | $128 | $180 | $266 | $16 | $80 | $670 | $56 |
| Journey SXT 2WD | $128 | $218 | $266 | $16 | $80 | $708 | $59 |
| Journey R/T 2WD | $144 | $218 | $266 | $16 | $80 | $724 | $60 |
| Journey SXT Crew 2WD | $144 | $218 | $266 | $16 | $80 | $724 | $60 |
| Journey SXT AWD | $144 | $218 | $266 | $16 | $80 | $724 | $60 |
| Journey R/T AWD | $144 | $258 | $266 | $16 | $80 | $764 | $64 |
| Journey SXT Crew AWD | $144 | $258 | $266 | $16 | $80 | $764 | $64 |
| Get Your Own Custom Quote Go | |||||||
Price data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Missouri minimum liability limits. Discounts applied include multi-vehicle, safe-driver, claim-free, multi-policy, and homeowner. Premium costs do not factor in vehicle location which can decrease or increase auto insurance rates considerably.
Using the data above, we can ascertain that using a $250 deductible costs about $20 more each month or $240 a year than quoting the higher $1,000 deductible. Since you would have to pay $750 more if you file a claim with a $1,000 deductible as compared to a $250 deductible, if you tend to average at a minimum 38 months between claim filings, you would probably be better off by selecting a higher deductible.
The diagram below demonstrates how choosing different deductibles and can increase or decrease Dodge Journey annual premium costs for different age groups. The information is based on a married female driver, full physical damage coverage, and no additional discounts are factored in.
Cost comparison with and without full coverage
The diagram below visualizes the comparison of Dodge Journey annual premium costs with full coverage compared to only the Missouri minimum liability coverage. The premium estimates are based on no accidents or driving violations, $1,000 deductibles, marital status is single, and no discounts are factored in.
When to drop full coverage
There is no exact rule to stop paying for physical damage insurance, but there is a general convention. If the annual cost of comprehensive and collision coverage is more than about 10% of replacement cost minus your deductible, then you might want to consider buying only liability coverage.
For example, let’s say your Dodge Journey replacement value is $7,000 and you have $1,000 full coverage deductibles. If your vehicle is damaged in an accident, the most your company will settle for is $6,000 after the policy deductible has been paid. If you are paying more than $600 annually to have full coverage, then you may need to consider dropping full coverage.
There are some conditions where eliminating full coverage is not a good idea. If you have an outstanding loan on your vehicle, you must maintain physical damage coverage to protect the lienholder’s interest in the vehicle. Also, if your emergency fund is not enough to purchase a different vehicle if your current one is in an accident, you should not drop full coverage.
Kansas City Insurance Costs are Influenced by These Factors
When buying insurance it’s important to understand some of the things that help calculate the rates you pay for insurance. When you understand what determines premiums, this empowers consumers to make smart changes that may reward you with cheaper rates. Lots of things are part of the equation when you get a price on insurance. Some of the criteria are obvious such as traffic violations, although others are less obvious such as your marital status or how financially stable you are.
When should you file claims? – Companies in Missouri give the lowest premiums to people who do not rely on their insurance for small claims. If you frequently file small claims, you can expect higher premiums or even policy non-renewal. Insurance coverage is meant to be used in the event of the large, substantial claims.
Safer vehicles cost less to insure – Vehicles with high crash test scores cost less to insure. These vehicles reduce occupant injuries and fewer serious injuries translates into fewer and smaller insurance claims and more competitive rates for policyholders.
Gals tend to cost less – Over time, data shows that females take fewer risks when driving. Now that doesn’t mean females are better drivers. Women and men have at-fault accidents at about the same rate, but the men get into accidents with more damage. Not only that, but men also get more serious tickets like DUI and reckless driving.
The information below shows the difference between Dodge Journey insurance premiums for male and female drivers. The prices are based on no accidents or driving violations, full physical damage coverage, $250 deductibles, drivers are not married, and no discounts are applied to the premium.
Your stress level may be raising your prices – Occupations like judges, airline pilots, and medical professionals generally have higher average rates due to intense work situations and extremely grueling work hours. Conversely, careers such as farmers, engineers and the unemployed pay lower than average rates.
Multiple policies with one company can save – Most insurers provide better rates to people that have more than one policy in the form of a multi-policy discount. Even if you qualify for this discount already, you still need to check prices from other companies to confirm you are receiving the best rates possible. You may still be able to find lower rates by insuring with multiple companies.
Avoid unnecessary extra coverages – Insurance policies have a lot of extra bells and whistles that can add up if you aren’t careful. Coverages for rental car reimbursement, towing coverage, and term life insurance are examples of these. These may sound like a good investment when deciding what coverages you need, but now you might not need them so remove them from your policy.
Prices can change based on your address – Residing in a rural area may provide you with better prices when insuring your vehicles. Fewer drivers and short commutes means reduced accidents in addition to fewer liability claims. Residents of big cities regularly have traffic congestion and longer commute times. More time on the road means more chances of being involved in an auto accident.
Dodge Journey claim data – Car insurance companies use past insurance losses when they set coverage costs for each model. Models that the data determines to have higher number or severity of losses will be charged more to insure. The table below outlines the compiled insurance loss statistics for Dodge Journey vehicles.
For each coverage category, the claim amount for all vehicles compiled together is set at 100. Values under 100 imply a favorable loss record, while numbers above 100 point to more frequent losses or statistically larger claims.
| 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: iihs.org (Insurance Institute for Highway Safety) for 2013-2015 Model Years
Buying from car insurance agents
A lot of people would prefer to have an agent’s advice and that can be a great decision Agents will help you protect your assets and help in the event of a claim. A nice benefit of getting free rate quotes online is the fact that you can find lower rates but also keep your business local.
By using this short form, your insurance coverage information is sent to local insurance agents in Kansas City who will give you quotes for your auto insurance coverage. You won’t even need to even leave your home since price quotes are sent immediately to your email address. If for some reason you want to get a rate quote from a specific auto insurance provider, you would need to visit that company’s website and fill out the quote form the provide.
Picking an company shouldn’t rely on just a low price. These are some valid questions you should ask.
- Do they get paid more for recommending certain coverages?
- What company do they have the most business with?
- Is vehicle damage repaired with OEM or aftermarket parts?
- Which insurance companies are they affiliated with?
- Do they offer accident forgiveness?
- Can glass claims be handled at your home?
Exclusive agents vs. Independent agents
If you prefer to buy auto insurance from a local Kansas City insurance agency, there are two different types of agencies that you can select. Auto insurance agents may be either independent (non-exclusive) or exclusive. Either one can sell and service auto insurance coverage, but it’s good to learn how they are different because it can impact which agent you choose.
Exclusive Insurance Agencies
Agents that choose to be exclusive normally can only provide a single company’s rates like Farmers Insurance, Allstate, or State Farm. Exclusive agents are unable to shop your coverage around so if the price isn’t competitive there isn’t much they can do. Exclusive agents are highly trained on their products and sales techniques which helps overcome the inability to quote other rates. Some insured continue to buy from the same agent for years primarily because of loyalty to the company instead of buying on price only.
Below are Kansas City exclusive agencies that can give you price quote information.
- Allstate Insurance: Steve Marshall
7000 NW Prairie View Rd Ste 100 – Kansas City, MO 64151 – (816) 587-5200 – View Map - American Family Insurance – Jeff Williams Agency Inc.
6505 N Prospect Ave #100 – Kansas City, MO 64119 – (816) 459-7779 – View Map - Farmers Insurance – Deborah York
5775 NW 64th Terrace #201 – Kansas City, MO 64151 – (816) 746-4443 – View Map
Independent Agents
These type of agents often have many company appointments and that is an advantage because they can write policies through lots of different companies and find you the best rates. If your premiums go up, they simply move your policy to a different company and you don’t have to find a new agent. If you are comparing rate quotes, you definitely need to get rate quotes from several independent insurance agents so that you have a good selection of quotes to compare. They often place coverage with smaller mutual companies that can offer cheaper rates than bigger companies.
Below is a list of independent insurance agents in Kansas City that are able to give price quote information.
- SIMONE Insurance Agency, LLC
7138 N Norton Ave – Kansas City, MO 64119 – (816) 739-8995 – View Map - Northland Independent Insurance Group
5575 NW Barry Rd – Kansas City, MO 64154 – (816) 587-1826 – View Map - DeMasters Insurance, LLC
1130 Westport Rd – Kansas City, MO 64111 – (816) 531-1000 – View Map
What is YOUR best insurance company?
We’ve covered a lot of techniques to save on Dodge Journey insurance in Kansas City. It’s most important to understand that the more rate quotes you have, the better chance you’ll have of finding affordable Kansas City car insurance quotes. You may even find the lowest prices come from some of the lesser-known companies.
Drivers leave their current company for any number of reasons including poor customer service, questionable increases in premium, policy non-renewal and even being labeled a high risk driver. It doesn’t matter what your reason, choosing a new company is actually quite simple.
When buying insurance coverage, it’s not a good idea to sacrifice coverage to reduce premiums. In many instances, someone sacrificed liability limits or collision coverage and learned later that the savings was not a smart move. Your objective should be to find the BEST coverage for the lowest price.
Additional learning opportunities
- Protecting Teens from Drunk Driving (Insurance Information Institute)
- How Much is Auto Insurance for a Ford F-150 in Kansas City? (FAQ)
- Who Has Cheap Kansas City Auto Insurance Quotes for 17 Year Olds? (FAQ)
- Who Has Cheap Auto Insurance for Retired Military in Kansas City? (FAQ)
- Event Data Recorders FAQ (iihs.org)
- Auto Crash Statistics (Insurance Information Institute)
- Understanding Your Insurance Deductible (Insurance Information Institute)
- Teen Driving Statistics (iihs.org)