Buying low-cost Aurora Dodge Journey insurance quotes over the internet might appear problematic for drivers new to online price comparisons. With such a large number of insurers to choose from, how can drivers efficiently compare every one to find the cheapest price possible?
Unbelievably, nearly 70% of drivers kept their coverage with the same auto insurance company for over three years, and almost half have never even compared rates from other companies. The average driver in Aurora can save roughly 35% each year by just comparing rate quotes, but they won't spend time to compare rate quotes.
When shopping for Dodge Journey insurance in Aurora there are multiple ways to compare rate quotes from many available auto insurance companies in Colorado. The easiest way to comparison shop involves getting comparison quotes online. Just keep in mind that comparing more rates from different companies provides better odds of finding a better price. Not every company does online price quotes, so it's recommended that you also compare price quotes from those companies as well.
The providers in the list below have been selected to offer price quotes in Colorado. If several companies are displayed, we suggest you visit as many as you can to find the most affordable auto insurance rates.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Journey SE 2WD||$160||$268||$456||$28||$136||$1,048||$87|
|Journey SXT 2WD||$260||$516||$456||$28||$136||$1,396||$116|
|Journey R/T 2WD||$214||$362||$368||$22||$110||$1,076||$90|
|Journey SXT Crew 2WD||$264||$472||$396||$24||$118||$1,274||$106|
|Journey SXT AWD||$216||$288||$460||$28||$138||$1,130||$94|
|Journey R/T AWD||$264||$528||$396||$24||$118||$1,330||$111|
|Journey SXT Crew AWD||$328||$726||$456||$28||$136||$1,674||$140|
|Get Your Own Custom Quote Go|
Cost estimates assume single female driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and Colorado minimum liability limits. Discounts applied include claim-free, multi-vehicle, homeowner, multi-policy, and safe-driver. Estimates do not factor in specific zip code location which can change premiums noticeably.
Rate difference between full and liability-only coverage
The chart below shows the difference between Dodge Journey insurance costs when comparing full coverage to liability only. The data is based on no claims or driving citations, $500 deductibles, single female driver, and no discounts are applied.
When to buy liability coverage only
There isn't a written rule to delete physical damage insurance, but there is a general convention. If the yearly cost of comp and collision coverage is more than 10% of the vehicle's replacement cost less your deductible, then you might consider buying liability only.
For example, let's assume your Dodge Journey settlement value is $3,000 and you have $1,000 physical damage deductibles. If your vehicle is destroyed, the most you would get paid by your company is $2,000 after paying your policy deductible. If you are paying in excess of $200 a year for full coverage, then it could be time to drop full coverage.
There are a few situations where dropping full coverage is not in your best interest. If you still have a loan on your vehicle, you have to keep full coverage to satisfy the loan requirements. Also, if you cannot afford to purchase a different vehicle if your current one is in an accident, you should keep full coverage in place.
The information below shows how different deductible levels and can increase or decrease Dodge Journey insurance rates for each age group. The prices are based on a married male driver, comp and collision included, and no other discounts are factored in.
Auto insurance quotes and discounts
The cost of insuring your cars can be expensive, but there's a good chance there are discounts that you may not even be aware of. Certain credits will be shown at quote time, but some may not be applied and must be specifically requested before being credited.
- Save over 55 - If you qualify as a senior citizen, you could receive a small discount on rates.
- Defensive Driver Discount - Taking part in a driver safety course could save 5% or more if your company offers it.
- Club Memberships - Being a member of a qualifying organization could earn you a nice discount on your bill.
- Air Bag Discount - Factory options such as air bags or motorized seat belts can receive discounts of more than 20%.
- Online Discount - A handful of companies provide a small discount for signing up over the internet.
- Bundled Policy Discount - If you can combine your auto and home policy with the same insurance company you may save approximately 10% to 15%.
- Seat Belts Save more than Lives - Drivers who always wear seat belts and also require passengers to buckle their seat belts may be able to save a few bucks on the premium charged for medical payments and/or PIP.
Policy discounts save money, but some credits don't apply to the entire policy premium. The majority will only reduce individual premiums such as comprehensive or collision. So even though you would think you would end up receiving a 100% discount, nobody gets a free ride. Any qualifying discounts should definitely cut your policy premium.
If you would like to view insurance companies with the best Dodge Journey insurance discounts in Aurora in Aurora, click this link.
Car insurance protects more than just your car
Despite the high cost, car insurance is required by state law in Colorado and it also provides benefits you may not be aware of.
- The majority of states have compulsory liability insurance requirements which means state laws require a specific minimum amount of liability coverage in order to license the vehicle. In Colorado these limits are 25/50/15 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $15,000 of property damage coverage.
- If your Dodge has a loan, most lenders will make it mandatory that you have insurance to guarantee payment of the loan. If coverage lapses or is cancelled, the lender may insure your Dodge for a much higher rate and require you to pay for it.
- Car insurance protects both your assets and your Dodge. It will also reimburse you for medical transport and hospital expenses for both you and anyone you injure as the result of an accident. Liability coverage will also pay to defend you if anyone sues you for causing an accident. If you have damage to your Dodge as the result of the weather or an accident, comprehensive and collision coverage will pay to repair the damage.
The benefits of carrying adequate insurance outweigh the cost, particularly if you ever have a claim. The average driver in America overpays as much as $800 each year so compare rates every year to ensure rates are competitive.
What insurance coverages do I need?
When it comes to the right insurance coverage, there really is not a "perfect" insurance plan. You are unique.
Here are some questions about coverages that can aid in determining whether you could use an agent's help.
- At what point should I drop full coverage?
- Does coverage extend to Mexico or Canada?
- Do I need to call my car insurance company before buying a new car?
- Does my policy cover my teen driver if they drive my company car?
- Am I covered if I back into my garage door?
- How much liability do I need to cover my assets?
If you don't know the answers to 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, fill out this quick form.
Local Aurora auto insurance agents and car insurance
Some people prefer to buy from a local agent and that can be a smart move One of the best bonuses of getting free rate quotes online is you may find cheaper premium rates but still work with a licensed agent. Buying insurance from local insurance agents is important particularly in Aurora.
After filling out this simple form, your information is sent to participating agents in Aurora that provide free Aurora car insurance quotes for your business. You won't even need to leave your house due to the fact that quote results will go instantly to you. It's the lowest rates AND a local agent. If for some reason you want to get a comparison quote from a specific insurance company, you can always search and find their rate quote page and complete a quote there.
If you want to buy car insurance from a local Aurora insurance agency, it's important to understand the different agency structures and how they are distinctly different. Insurance agencies in Aurora may be either independent or exclusive depending on the company they work for.
Independent Car Insurance Agencies or Brokers
Agents that choose to be independent are not required to write business for one company and that gives them the ability to insure with multiple insurance companies and possibly get better coverage at lower prices. To move your coverage to a new company, they can switch companies in-house and that require little work on your part. When comparing rates, it's a good idea to check rates from at a minimum one independent agency to have the best price comparison. Many write coverage with small mutual carriers which may provide better rates.
Featured below is a small list of independent agencies in Aurora that may be able to give you pricing information.
- ALINK Insurance Services
3033 S Parker Rd #120 - Aurora, CO 80014 - (303) 752-6479 - View Map
- All Drivers Insurance
12142 E Mississippi Ave - Aurora, CO 80012 - (303) 695-1000 - View Map
- Amercian Affordable Insurance: Arthur Blaszczyszn
10660 E Bethany Dr - Aurora, CO 80014 - (303) 577-9998 - View Map
Exclusive Car Insurance Agents
These type of agents work for only one company like Farmers Insurance and State Farm. Exclusive agents cannot give you multiple price quotes so if the price isn't competitive there isn't much they can do. Exclusive agencies are usually well trained in insurance sales which helps overcome the inability to quote other rates. Drivers often buy from exclusive agents mainly due to the prominent brand name instead of buying on price only.
Listed below are Aurora exclusive insurance agencies willing to provide price quotes.
- Jody Roberts - State Farm Insurance Agent
15260 E Hampden Ave - Aurora, CO 80014 - (303) 693-1650 - View Map
- Lawrence Neal - State Farm Insurance Agent
15037 E Colfax Ave k - Aurora, CO 80011 - (303) 340-8849 - View Map
- Allstate Insurance: Roger Francis
18757 E Hampden Ave Ste 154 - Aurora, CO 80013 - (303) 792-3460 - View Map
Deciding on an car insurance agent needs to be determined by more than just a cheap price. You should also get answers to these questions.
- Do they have designations such as AIC, CPCU, or CIC?
- Will the quote change when the policy is issued?
- Can glass repairs be made at your home?
- Which companies do they recommend if they are an independent agency?
- What will you get paid if your car is a total loss? How is that amount determined?
- If you have an accident, will your rates go up?
- Is the agency active in community causes in Aurora?
- Is there a Errors and Omissions policy in force?
Insurance coverage options for a Dodge Journey
Learning about specific coverages of a insurance policy helps when choosing which coverages you need and proper limits and deductibles. Policy terminology can be ambiguous and coverage can change by endorsement.
Coverage for collisions
Collision insurance pays for damage to your Journey from colliding with a stationary object or other vehicle. You have to pay a deductible then the remaining damage will be paid by your insurance company.
Collision insurance covers claims like driving through your garage door, crashing into a ditch, colliding with another moving vehicle and damaging your car on a curb. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are older. Drivers also have the option to choose a higher deductible on your Journey in order to get cheaper collision rates.
Coverage for liability
Liability coverage can cover damages or injuries you inflict on other people or property by causing an accident. It protects YOU against other people's claims, and does not provide coverage for your injuries or vehicle damage.
Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. You commonly see values of 25/50/15 that means you have a limit of $25,000 per injured person, a limit of $50,000 in injury protection per accident, and a total limit of $15,000 for damage to vehicles and property. Another option is one number which is a combined single limit which limits claims to one amount without having the split limit caps.
Liability insurance covers claims such as loss of income, legal defense fees, bail bonds and pain and suffering. How much coverage you buy is your choice, but you should buy as much as you can afford. Colorado requires drivers to carry at least 25/50/15 but drivers should carry higher limits.
Uninsured Motorist or Underinsured Motorist insurance
Uninsured or Underinsured Motorist coverage protects you and your vehicle's occupants from other drivers when they do not carry enough liability coverage. It can pay for injuries to you and your family as well as damage to your Dodge Journey.
Since a lot of drivers only purchase the least amount of liability that is required (25/50/15 in Colorado), their limits can quickly be used up. That's why carrying high Uninsured/Underinsured Motorist coverage is a good idea. Normally the UM/UIM limits are similar to your liability insurance amounts.
Insurance for medical payments
Coverage for medical payments and/or PIP kick in for bills like funeral costs, dental work, chiropractic care and pain medications. They can be utilized in addition to your health insurance program or if you do not have health coverage. Coverage applies to both the driver and occupants in addition to being hit by a car walking across the street. PIP coverage is not universally available but can be used in place of medical payments coverage
Comprehensive coverage (or Other than Collision)
This coverage will pay to fix damage OTHER than collision with another vehicle or object. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.
Comprehensive insurance covers claims such as hitting a bird, damage from flooding, rock chips in glass and damage from a tornado or hurricane. The most a insurance company will pay at claim time is the actual cash value, so if it's not worth much more than your deductible it's not worth carrying full coverage.