Insurance rates Dodge Journey in DenverWhen shopping for lower-cost insurance, are you intimidated by the wide range of car insurance sources available to you? People have so many choices that it can quickly become a lot of work to locate the lowest rates for Dodge Journey insurance in Denver. If you live there, you know that Denver is a great place to live, but trying to pay high car insurance rates makes it very hard to buy proper levels of coverage.

Statistics show that nearly 70% of consumers renewed their policy with the same company for four years or more, and almost half have never even compared rates from other companies. With the average premium in Colorado being $1,813, drivers could pocket nearly $605 a year just by shopping around, but most undervalue how much savings they would realize if they switched.

Just keep in mind that obtaining a wide range of quotes helps you find a better price. Not every company provides Denver Journey insurance quotes over the internet, so it's recommended that you also compare price estimates from those companies as well.

The companies shown below provide price comparisons in Denver, CO. If multiple companies are listed, we recommend you visit two to three different companies to get the lowest price.

Dodge Journey Insurance Rates in Denver, CO
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Journey SE 2WD $290 $506 $456 $28 $136 $1,416 $118
Journey SXT 2WD $336 $672 $474 $28 $142 $1,652 $138
Journey R/T 2WD $146 $238 $330 $20 $98 $832 $69
Journey SXT Crew 2WD $210 $354 $474 $28 $142 $1,208 $101
Journey SXT AWD $236 $380 $330 $20 $98 $1,064 $89
Journey R/T AWD $350 $538 $460 $28 $138 $1,514 $126
Journey SXT Crew AWD $214 $426 $368 $22 $110 $1,140 $95
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Prices above based on married female driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Colorado minimum liability limits. Discounts applied include multi-vehicle, safe-driver, claim-free, homeowner, and multi-policy. Estimates do not factor in the specific area where the vehicle is garaged which can change auto insurance rates substantially.

Yearly auto insurance costs for men versus women

The illustration below illustrates the difference between Dodge Journey car insurance rates for male and female drivers. The premium estimates are based on no tickets, no at-fault accidents, full physical damage coverage, $250 deductibles, drivers are single, and no discounts are applied.

Should you raise deductibles?

When buying auto insurance, a common question is which comprehensive and collision deductibles to buy. The data tables below illustrate the rate fluctuation of buying low and high physical damage deductibles. The first rate quote example uses a $250 physical damage coverage deductible and the second price grid uses a $1,000 deductible.

Dodge Journey insurance premium rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Journey SE 2WD $272 $376 $352 $20 $106 $1,151 $96
Journey SXT 2WD $272 $458 $352 $20 $106 $1,233 $103
Journey R/T 2WD $306 $458 $352 $20 $106 $1,267 $106
Journey SXT Crew 2WD $306 $458 $352 $20 $106 $1,267 $106
Journey SXT AWD $306 $458 $352 $20 $106 $1,267 $106
Journey R/T AWD $306 $538 $352 $20 $106 $1,347 $112
Journey SXT Crew AWD $306 $538 $352 $20 $106 $1,347 $112
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Dodge Journey insurance premium rates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Journey SE 2WD $168 $236 $352 $20 $106 $882 $74
Journey SXT 2WD $168 $288 $352 $20 $106 $934 $78
Journey R/T 2WD $190 $288 $352 $20 $106 $956 $80
Journey SXT Crew 2WD $190 $288 $352 $20 $106 $956 $80
Journey SXT AWD $190 $288 $352 $20 $106 $956 $80
Journey R/T AWD $190 $340 $352 $20 $106 $1,008 $84
Journey SXT Crew AWD $190 $340 $352 $20 $106 $1,008 $84
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Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and Colorado minimum liability limits. Discounts applied include safe-driver, homeowner, claim-free, multi-vehicle, and multi-policy. Price estimates do not factor in specific Denver garaging location which can modify coverage rates greatly.

We can estimate from the data above that using a $250 deductible will cost you roughly $26 more each month or $312 a year than quoting the higher $1,000 deductible. Because you would pay $750 more if you file a claim with a $1,000 deductible as compared to a $250 deductible, if you go at a minimum 29 months between claim filings, you would probably be better off if you choose the higher deductible.

Calculation for raising deductibles

Average monthly premium for $250 deductibles: $106
Average monthly premium for $1,000 deductibles (subtract): - $80
Monthly savings from raising deductible: $26
Difference between deductibles ($1,000 - $250): $750
Divide difference by monthly savings: $750 / $26
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 29 months

One thing to be aware of is that raising deductibles means you will have to pay more of your own money when you have to file a claim. You need some savings in the bank in the event you have to pay the deductible to have repairs made.

How accidents and violations affect rates

The diagram below demonstrates how citations and accidents increase Dodge Journey insurance rates for different ages of insureds. The information is based on a married male driver, comp and collision included, $1,000 deductibles, and no other discounts are factored in.

Why you need auto insurance

Despite the fact that auto insurance is not cheap in Denver, maintaining insurance may be mandatory for several reasons.

The benefits of buying enough insurance more than offset the price you pay, especially with large liability claims. As of last year, the average driver in Colorado overpays as much as $800 each year so compare rate quotes once a year at a minimum to ensure rates are competitive.

What Determines Dodge Journey Insurance Rates?

Consumers need to have an understanding of some of the factors that go into determining the rates you pay for auto insurance. When consumers understand what determines premiums, this allows you to make educated decisions that could result in much lower annual insurance costs. Lots of factors are taken into consideration when you quote your car insurance policy. Some are obvious like your driving record, although some other factors are more transparent like your vehicle usage or how safe your car is.

The following are some of the most common factors used by companies to determine your rate level.

See if your company offers a multi-policy discount - Most companies will award a discount to policyholders who carry more than one policy, otherwise known as a multi-policy discount. Even if you qualify for this discount already, you may still want to check prices from other companies to help ensure you have the lowest rates. It's possible to still save even more than the discount by insuring with multiple companies.

Incidental coverages push up prices - Policies have extra coverages that you can get tricked into buying if you don't pay attention. Insurance for things like vanishing deductibles, death and dismemberment, and extra life insurance coverage may not be needed and are just wasting money. They may sound like good ideas at first, but your money might be better spent on other coverage so think about removing them and cutting costs.

Physical damage deductibles - Comprehensive and collision coverage deductibles define how much you are required to pay if you file a covered claim. Insurance for physical damage, also known as collision and other-than-collision, insures against damage to your car. Some examples of covered claims are a windshield broken by a bird, collision with a deer, and having a roll-over accident. The more you choose to pay out-of-pocket, the less your company will charge you for insurance.

Miles impacts costs - Driving more miles in a year's time the more it will cost to insure it. The majority of insurers calculate prices based upon how the vehicle is primarily used. Vehicles that do not get driven very much get more affordable rates than cars that get driven a lot. An improperly rated Journey may be costing you. It's a good idea to make sure your policy is showing the proper vehicle usage, because it can save money.

Do safer cars cost less to insure? - Vehicles with high crash test scores get lower rates. Vehicles engineered for safety have better occupant injury protection and any reduction in injury severity translates directly to fewer claims and more competitive rates for policyholders. If the Dodge Journey earned at least an "acceptable" rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website you may qualify for a discount.

Bad credit will cost you - An insured's credit rating can be an important factor in your rate calculation. If your credit history can use some improvement, you may save money insuring your Dodge Journey by repairing your credit. People with very high credit ratings tend to file fewer claims and have better driving records than drivers with lower credit ratings.

Decrease prices by maintaining coverage - Driving your car without having proper coverage can get your license suspended and you may have a hard time finding new coverage because you let your coverage cancel without a new policy in place. And not only will insurance be more expensive, getting caught without coverage may earn you fines or a revoked license.

Dodge Journey insurance loss statistics - Insurers factor in insurance loss information when setting rates for each model. Vehicles that the statistics show to have higher number or severity of losses will cost more to insure.

The information below illustrates the loss history for Dodge Journey vehicles. For each coverage type, the claim amount for all vehicles compiled together equals 100. Values under 100 mean the vehicle has better than average losses, while values over 100 indicate more frequent claims or statistically larger losses.

Dodge Journey Insurance Loss Statistics

Vehicle 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
BETTER
AVERAGE
WORSE

Empty fields indicate not enough data collected
Statistics from IIHS.org for 2013-2015 Model Years

Discount Denver auto insurance rates

Car insurance can cost a lot, but there may be some discounts that could help you make your next renewal payment. Some discounts will apply at the time of quoting, but some discounts are required to be manually applied before you will receive the discount.Discount auto insurance

Consumers should know that many deductions do not apply to the entire cost. Most only apply to the price of certain insurance coverages like collision or personal injury protection. Even though the math looks like having all the discounts means you get insurance for free, it doesn't quite work that way.

Some of the larger companies who may offer these discounts include:

If you are trying to find the cheapest Dodge Journey rate quotes, ask each company which discounts you qualify for. Some of the discounts discussed earlier may not apply to policyholders in your area. To see auto insurance companies that offer multiple discounts in Colorado, follow this link.

Tailor your car insurance coverage to you

Always remember that when buying the right insurance coverage for your vehicles, there really isn't a perfect coverage plan. Your needs are unique to you.Higher deductibles save money

For example, these questions may help highlight whether your personal situation might need an agent's assistance.

If you can't answer these questions, you may need to chat with an agent. If you don't have a local agent, complete this form.

Compare rate quotes but buy from a neighborhood Denver auto insurance agent

A small number of people still like to buy from a licensed agent and that is OK! One of the benefits of price shopping on the web is you may find the lowest rates and still have a local agent. Buying from small agencies is important particularly in Denver.

Insurance agents in DenverFor easy comparison, once you complete this form (opens in new window), the coverage information gets sent to participating agents in Denver who will give you quotes for your business. It simplifies rate comparisons since you won't have to leave your house since price quotes are sent to your email. You can find the lowest rates without the usual hassles of price shopping. If for some reason you want to compare prices for a specific company, you just need to jump over to their website to submit a rate quote request.

Below are Denver car insurance companies that are able to give price quotes for Dodge Journey insurance in Denver.

More insurance agents

Picking the best company is decision based upon more than just the bottom line cost. The following questions are important to ask.

Do the work, save more money

Budget-friendly insurance in Denver is definitely available on the web and from local agencies, so get free Denver auto insurance quotes from both of them to have the best rate selection. Some insurance providers may not provide online quoting and most of the time these small insurance companies only sell coverage through independent insurance agencies.

Drivers switch companies for a variety of reasons including delays in responding to claim requests, unfair underwriting practices, lack of trust in their agent or delays in paying claims. It doesn't matter what your reason, finding the right insurance provider can be less work than you think.

When getting Denver auto insurance quotes online, never sacrifice coverage to reduce premiums. There are many occasions where an accident victim reduced full coverage and found out when filing a claim they didn't have enough coverage. Your goal should be to buy the best coverage you can find at the best price while still protecting your assets.

Even more information is located at these sites: