Best Ways to Save on Tulsa Dodge Journey Insurance

Insurance for Dodge JourneyWould you like to buy more competitive auto insurance rates in Tulsa, OK? Tulsa consumers have many options when looking for the best price on Dodge Journey insurance. You can either waste hours calling around to get rate comparisons or utilize the internet to get rate quotes. There are both good and bad ways to compare auto insurance rates so you’re going to learn the proper way to quote coverages for a Dodge and obtain the cheapest rates either online or from Tulsa insurance agents.

The companies shown below can provide comparison quotes in Tulsa, OK. In order to find cheap car insurance in OK, it’s a good idea that you click on several of them to get the best price comparison.

Analysis of Dodge Journey rates

The rate table below highlights estimates of policy rates for Dodge Journey models. Learning as much as possible about how insurance rates are calculated helps drivers make smart choices when buying a policy.

Dodge Journey Insurance Rates in Tulsa, OK
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Journey SE 2WD $194 $278 $462 $28 $138 $1,100 $92
Journey SXT 2WD $194 $338 $462 $28 $138 $1,160 $97
Journey R/T 2WD $220 $338 $462 $28 $138 $1,186 $99
Journey SXT Crew 2WD $220 $338 $462 $28 $138 $1,186 $99
Journey SXT AWD $220 $338 $462 $28 $138 $1,186 $99
Journey R/T AWD $220 $398 $462 $28 $138 $1,246 $104
Journey SXT Crew AWD $220 $398 $462 $28 $138 $1,246 $104
Get Your Own Custom Quote Go

Cost estimates assume married male driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and Oklahoma minimum liability limits. Discounts applied include multi-vehicle, safe-driver, multi-policy, claim-free, and homeowner. Rate quotes do not factor in specific location information which can affect rates greatly.

The diagram below shows how choosing a deductible and can influence Dodge Journey insurance costs for each age group. The data assumes a married female driver, comp and collision included, and no discounts are applied to the premium.

Why you need Dodge Journey insurance in Oklahoma

Even though it’s not necessarily cheap to insure a Dodge in Tulsa, insurance is required in Oklahoma but also provides important benefits.

The benefits of buying insurance more than cancel out the cost, especially when you need to use it. Today the average American driver is currently overpaying as much as $865 each year so shop around at least once a year to make sure the price is not too high.

Components of Your Dodge Journey Insurance Costs

When buying auto insurance it’s important to understand the different types of things that play a part in calculating the level of your policy premiums. If you have a feel for what controls the rates you pay, this helps enable you to make changes that may result in lower auto insurance prices.

Shown below are a partial list of the pieces that factor into your premiums.

Verify you’re earning every discount

Insurance can be prohibitively expensive, but there may be some discounts that can help lower your rates. Certain credits will be shown when you purchase, but lesser-known reductions have to be specially asked for in order for you to get them.Discount auto insurance

Just know that most of the big mark downs will not be given to the entire cost. Some only reduce specific coverage prices like physical damage coverage or medical payments. Just because you may think having all the discounts means you get insurance for free, auto insurance companies aren’t that generous.

The information below visualizes the comparison of Dodge Journey insurance rates with and without discounts applied to the policy rates. The costs are based on a female driver, no accidents or driving violations, Oklahoma state minimum liability limits, comprehensive and collision coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with claim-free, safe-driver, homeowner, marriage, multi-policy, and multi-car discounts applied.

If you would like to view companies who offer auto insurance discounts in Oklahoma, click here to view.

Compare prices but buy from a local Tulsa insurance agency

A small number of people just want to sit down with an agent and that is a personal choice. Licensed agents are trained to spot inefficiencies and help you file claims. One of the best bonuses of getting online price quotes is you can get cheap car insurance rates but also keep your business local.

Insurance agents in TulsaTo make it easy to find an agent, after completing this form (opens in new window), the coverage information is immediately sent to agents in your area that give free quotes to get your business. It’s much easier because you don’t need to leave your computer as quotes are delivered to you instantly. If for some reason you want to get a rate quote from a specific car insurance provider, you just need to jump over to their website and complete a quote there.

Selecting an insurance company requires more thought than just a cheap price. Any agent in Tulsa should be forthright in answering these questions:

If you want to buy car insurance from a local Tulsa insurance agent, you should know the types of agencies and how they operate. Car insurance agencies are classified as either independent agents or exclusive agents depending on their employer. Both types can properly insure your vehicles, but it is important to understand the differences because it may have an impact on the selection process.

Exclusive Car Insurance Agents

Exclusive agencies have only one company to place business with like Farmers Insurance or State Farm. Exclusive agencies are unable to shop your coverage around so always compare other rates. Exclusive agents are usually well trained on what they offer which aids in selling service over price. Some people will only purchase coverage from exclusives primarily because of high brand loyalty rather than low price.

Below are exclusive agencies in Tulsa that can give you rate quotes.

View more Tulsa agents

Independent Agents (or Brokers)

Independent agents often have many company appointments so they have the ability to put coverage through many different car insurance companies enabling the ability to shop coverage around. If your premiums go up, they can switch companies in-house and you don’t have to find a new agent. When comparing car insurance prices, it’s recommended you include multiple independent agents to maximize your price options. Most also write with small mutual carriers which may have better rates.

Listed below are Tulsa independent agencies who can help you get comparison quotes.

View more Tulsa agents

Upon getting answers to your satisfaction as well as a affordable price, it’s possible that you found an auto insurance agent that can service your policy.

More comparisons equals cheaper rates

Low-cost Dodge Journey insurance in Tulsa is attainable on the web and with local Tulsa insurance agents, so you need to shop Tulsa car insurance with both to have the best chance of lowering rates. Some insurance providers do not provide the ability to get quotes online and these smaller companies only sell through independent agents.

Drivers who switch companies do it for a variety of reasons including an unsatisfactory settlement offer, policy non-renewal, extreme rates for teen drivers or even questionable increases in premium. It doesn’t matter why you want to switch finding a new insurance company can be easier than you think.

We’ve covered many ideas to shop for Dodge Journey insurance online. The key concept to understand is the more quotes you get, the higher your chance of finding the cheapest Dodge Journey rate quotes. Drivers may even discover the most savings is with a lesser-known regional company.

How to find low-cost rates for Dodge Journey insurance in Tulsa

It takes a few minutes, but the best way to find low-cost Dodge Journey insurance in Tulsa is to start doing an annual price comparison from companies in Oklahoma.

  1. Get a basic knowledge of how companies price auto insurance and the steps you can take to keep rates low. Many rating criteria that result in higher rates like accidents, traffic violations, and your credit history can be rectified by making minor changes to your lifestyle.
  2. Get rate quotes from independent agents, exclusive agents, and direct companies. Exclusive and direct companies can give quotes from one company like GEICO and State Farm, while independent agents can provide price quotes for many different companies.
  3. Compare the new rate quotes to your existing policy to see if a cheaper rate is available. If you find better rates, make sure there is no lapse between the expiration of your current policy and the new one.

One bit of advice is that you’ll want to compare identical limits and deductibles on each price quote and to quote with as many car insurance companies as possible. This guarantees a level playing field and a good representation of prices.

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