Searching for cheaper insurance for your Dodge Journey in Colorado can be a painful process, but you can use a few tricks to make it easier. There is a better way to find car insurance online so we're going to tell you the quickest way to quote coverages for a new or used Dodge and find the best price possible from Colorado Springs insurance agents and online providers.
Inconceivable but true, almost 70% of insureds kept their coverage with the same car insurance company for over three years, and almost half have never even compared rates from other companies. Many drivers in Colorado could save almost 35% every year by just shopping around, but they don't understand how simple it is to compare rate quotes.
It's a good habit to quote other rates at least once a year since rates are variable and change quite frequently. Even if you think you had the best deal on Dodge Journey insurance in Colorado Springs last year the chances are good that you can find a lower price today. You can find a lot of wrong information about Journey insurance on the internet, but we're going to give you some tested techniques to stop overpaying for insurance in Colorado Springs.
If you're already insured or just want cheaper coverage, you can use these tips to find better prices without sacrificing coverage. Getting quotes for the lowest cost insurance policy in Colorado Springs is easy to do. Smart shoppers just need to know how to get comparison quotes instantly.
Cheap companies for Dodge Journey insurance
The providers in the list below provide comparison quotes in Colorado Springs, CO. If several companies are displayed, we suggest you visit several of them to get the best price comparison.
|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||$252||$368||$460||$28||$138||$1,246||$104|
|Journey R/T 2WD||$242||$362||$358||$22||$108||$1,092||$91|
|Journey SXT Crew 2WD||$300||$526||$426||$26||$128||$1,406||$117|
|Journey SXT AWD||$342||$546||$352||$20||$106||$1,366||$114|
|Journey R/T AWD||$264||$528||$368||$22||$110||$1,292||$108|
|Journey SXT Crew AWD||$242||$426||$358||$22||$108||$1,156||$96|
|Get Your Own Custom Quote Go|
Data rating is based on married female driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Colorado minimum liability limits. Discounts applied include claim-free, homeowner, multi-policy, multi-vehicle, and safe-driver. Rates do not factor in zip code location which can lower or raise coverage rates substantially.
Policy deductible comparison
The chart below shows how choosing a deductible and can raise or lower Dodge Journey insurance premiums for different age groups. The data assumes a single male driver, full coverage, and no policy discounts are applied.
Liability only or full coverage
The diagram below examines Dodge Journey annual premium costs with full physical damage coverage compared to only buying liability only. The rates are based on no violations or claims, $250 deductibles, married female driver, and no additional discounts are factored in.
When to drop full coverage
There is no specific rule of when to exclude comprehensive and collision coverage on your policy, but there is a general guideline. If the yearly cost of comp and collision coverage is about 10% or more of any settlement you would receive from your insurance company, then it may be the right time to buy liability only.
For example, let's say your Dodge Journey replacement value is $4,000 and you have $1,000 policy deductibles. If your vehicle is totaled in an accident, the most your company will settle for is $3,000 after the deductible is paid. If premiums are more than $300 annually for your policy with full coverage, then it may be the right time to buy liability only.
There are some circumstances where dropping physical damage coverage is not a good plan. If you still have a lienholder on your title, you have to carry full coverage to protect the lienholder's interest in the vehicle. Also, if your finances do not allow you to purchase a different vehicle if your current one is totaled, you should not consider dropping full coverage.
Impact of violations and accidents on rates
The diagram below illustrates how violations and accident claims can drive up Dodge Journey yearly insurance costs for each age group. The premium estimates are based on a single female driver, comprehensive and collision coverage, $1,000 deductibles, and no policy discounts are applied.
Earn discounts to get lower-cost Colorado Springs insurance rates
Insurance is expensive, but you might be missing out on some discounts to help offset the cost. Larger premium reductions will be automatically applied at the time of quoting, but occasionally some discounts must be specifically requested prior to getting the savings.
- More Vehicles More Savings - Buying insurance for multiple cars with one company may reduce the rate for each vehicle.
- Defensive Driver Discounts - Taking a driver safety class can save you 5% or more and also improve your driving technique.
- Student Discounts - A discount for being a good student may save you up to 25%. The discount lasts until age 25.
- Colorado Springs Homeowners Discount - Owning a house in Colorado Springs can save you money due to the fact that maintaining a home is proof that your finances are in order.
- Distant College Student Discount - College-age children who are attending college and won't have access to an insured vehicle can receive lower rates.
- Senior Citizen Discount - If you qualify as a senior citizen, you can get lower premium rates.
- Telematics Devices - Insureds who allow their insurance company to track vehicle usage through the use of a telematics system such as State Farm's In-Drive could save a few bucks as long as they are good drivers.
- Federal Employees - Federal government employees can save as much as 8% with certain companies.
Just know that many deductions do not apply to all coverage premiums. A few only apply to specific coverage prices like comprehensive or collision. Just because you may think it's possible to get free car insurance, insurance companies aren't that generous.
A list of companies and their possible discounts are shown below.
- Farm Bureau policyholders can earn discounts including multi-policy, safe driver, good student, driver training, multi-vehicle, 55 and retired, and renewal discount.
- State Farm discounts include defensive driving training, good student, anti-theft, multiple autos, Steer Clear safe driver discount, accident-free, and Drive Safe & Save.
- Progressive has discounts for homeowner, multi-policy, online signing, good student, continuous coverage, online quote discount, and multi-vehicle.
- Allstate has savings for eSmart discount, anti-lock brakes, good student, utility vehicle, defensive driver, and resident student.
- Nationwide offers discounts for family plan, accident-free, anti-theft, good student, multi-policy, defensive driving, and Farm Bureau membership.
- MetLife may include discounts for defensive driver, accident-free, good driver, multi-policy, good student, and claim-free.
If you want inexpensive Colorado Springs auto insurance quotes, ask all companies you are considering the best way to save money. Depending on the company, some discounts may not be offered in every state.
How You Can Control Dodge Journey Insurance Premiums
Consumers need to have an understanding of a few of the rating criteria that come into play when calculating your auto insurance rates. If you have a feel for what positively or negatively impacts your premiums, this allows you to make educated decisions that can earn you much lower annual insurance costs. Multiple criteria are part of the calculation when premium rates are determined. A few of the factors are predictable like a motor vehicle report, although some other factors are not as apparent like your continuous coverage and annual miles driven.
The factors shown below are some of the things used by insurance companies to determine prices.
Gender is a factor - Over the last 50 years, statistics have shown women are more cautious behind the wheel. The data does not necessarily mean that men are worse drivers. Both sexes get in fender benders in similar numbers, but males have accidents that have higher claims. Men also tend to receive more major tickets like driving under the influence (DUI).
Pay more if you have a long commute - Living in less populated areas has it's advantages when buying auto insurance. Fewer people means reduced accidents as well as less vandalism and auto theft. Residents of big cities have more traffic problems and more severe claims. Longer commute distances can result in more accidents.
Drive lots and pay more - The more you drive your Dodge annually the more it will cost to insure it. Almost all companies calculate rates based upon how much you drive. Cars used primarily for pleasure use get more affordable rates than those that get driven frequently. It's a good idea to make sure your auto insurance policy is rated on the correct usage for each vehicle. An improperly rated Journey may be costing you higher rates.
Teenagers vs. older drivers - Drivers with little experience are statistically shown to get distracted easily in a vehicle so auto insurance rates are higher. If you've ever had to add a inexperienced driver onto your auto insurance can really hurt. Older, more experienced drivers are shown to be more cautious, cause fewer claims and accidents, and tend to be get fewer driving tickets.
Good drivers pay less - A bad driving record has a lot to do with how much you pay for insurance. Even one citation can bump up the cost by as much as thirty percent. Drivers with clean records get better rates than bad drivers. Drivers who have gotten license-revoking violations such as reckless driving or DUI may find they need to submit a SR-22 form with the DMV in their state in order to prevent their license from being revoked.
Insurance loss data for Dodge Journey vehicles - Insurers use statistical claims data to help calculate a profitable premium price. Vehicles that the data determines to have increased losses will have higher rates for specific coverages. The data below shows the insurance loss data used by companies for Dodge Journey vehicles.
For each type of coverage, the claim amount for all vehicles, regardless of manufacturer or model, is represented as 100. Values below 100 suggest a better than average loss history, while values that are above 100 indicate frequent claims or tendency to have higher losses.
Insurance Loss Ratings for Dodge Journey Vehicles
|Specific Dodge 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: Insurance Institute for Highway Safety for 2013-2015 Model Years
Insurance agents can help
Always keep in mind that when comparing insurance from an agent or online, there is no one size fits all plan. Everyone's situation is a little different.
For instance, these questions may help you determine whether you will benefit from professional help.
- Does my medical payments coverage pay my health insurance deductible?
- What if I owe more than I can insure my car for?
- Will my Dodge Journey be repaired with OEM or aftermarket parts?
- Which companies will insure me after a DUI?
- Am I covered if I hit someone who is not insured?
- Can I make deliveries for my home business?
- Do I pay less if my vehicle is kept in my garage?
- If I use my vehicle for business use is it covered?
- Does my insurance cover a custom paint job?
- How can I get the company to pay a claim?
If it's difficult to answer those questions but one or more may apply to you, you might consider talking to a licensed agent. To find an agent in your area, take a second and complete this form. It's fast, free and may give you better protection.
Local Colorado Springs insurance agents
Many drivers prefer to get advice from a local agent and doing that can be a smart decision Agents will help you protect your assets and help you file claims. One of the benefits of price shopping on the web is you can get the best rates but still work with a licensed agent.
After completing this short form, your information is emailed to participating agents in Colorado Springs who want to provide quotes to get your business. You won't even need to search for any insurance agencies since rate quotes are delivered to your email. If you want to get a comparison quote from a specific car insurance provider, don't hesitate to jump over to their website and give them your coverage information.
Finding the right insurer should include more criteria than just a cheap price. Any agent in Colorado Springs should be willing to answer these questions.
- Are they primarily personal or commercial lines agents in Colorado Springs?
- Is assistance available after office hours?
- Will they give you a referral list?
- Which company do they place the most coverage with?
- Which companies do they recommend if they are an independent agency?
- Is working in the agency their full-time job?
- How are claims handled?
- Are glass claims handled on-site or do you have to take your vehicle to a repair shop?
Pick the best car insurance agent in Colorado Springs for you
If you are wanting to purchase car insurance from a local Colorado Springs insurance agent, it's helpful to know the different types of agents and how they can quote your rates. Car insurance policy providers are considered either exclusive or independent (non-exclusive). Both types of agents can provide car insurance policies, but it is important to understand the differences since it can affect the kind of agent you use.
Exclusive Insurance Agents
Exclusive agencies are contracted to one company like Farmers Insurance, State Farm, Allstate, and AAA. Exclusive agencies are unable to provide rate quotes from other companies so they have to upsell other benefits. Exclusive agents are highly trained on sales techniques and that allows them to sell at a higher price point. Some consumers prefer to buy insurance from these agents partially due to the brand instead of buying on price only.
Below are exclusive insurance agencies in Colorado Springs who may provide you with rate quotes.
- Farmers Insurance - Patricia Szeredy
6632 Delmonico Dr - Colorado Springs, CO 80919 - (719) 268-0080 - View Map
- Farmers Insurance - Michael Hendrickson
24 S Weber St #135 - Colorado Springs, CO 80903 - (719) 572-5938 - View Map
- Chris Sutherland - State Farm Insurance Agent
6130 Barnes Rd #104 - Colorado Springs, CO 80922 - (719) 598-8211 - View Map
Independent Agents (or Brokers)
Agents of this type are not employed by one company so they can quote policies through many companies and find the cheapest car insurance rates. If your premiums go up, they can switch companies in-house and you won't have to switch agencies.
If you are comparing car insurance prices, we highly recommend that you check rates from a few independent agents to have the best price comparison. Most can insure with mutual insurance companies that can offer cheaper rates than bigger companies.
The following is a short list of independent insurance agents in Colorado Springs willing to provide rate quotes.
- Benson Insurance Group, LLC
5155 N Academy, #110 - Colorado Springs, CO 80918 - (719) 622-3079 - View Map
- Pikes Peak Insurance Agency
2306 N Powers Blvd #120 - Colorado Springs, CO 80915 - (719) 591-4500 - View Map
- CIA-Leavitt Insurance Agency
5585 Erindale Dr #107 - Colorado Springs, CO 80918 - (719) 528-1884 - View Map
Don't be fooled by advertising claims
Consumers in Colorado can't get away from ads that claim the lowest rates from the likes of State Farm and Allstate. All the companies convey the message that you'll save big if you get a free Colorado Springs auto insurance quote and switch to their company.
How is it plausible that every one can have lower policy pricing? This is the trick they use.
Auto insurance companies quote their best rates for the type of driver that earns them a profit. One example of this type of risk profile may be over the age of 35, has never had a policy lapse, and has excellent credit. Any person that matches those criteria may get the lowest prices in Colorado Springs and is almost guaranteed to save if they switch.
Consumers who don't meet this stringent profile will be charged a higher premium which leads to the driver buying from a lower-cost company. The trick is to say "people that switch" not "everyone who quotes" save that much. This is how companies can truthfully make it sound like they have such great car insurance rates. Each company has different criteria, so drivers should compare free Colorado Springs auto insurance quotes often. It is impossible to guess the company that will have better rates than you're paying now.
One last note
In this article, we presented many ways to compare Dodge Journey insurance premium rates in Colorado Springs. The most important thing to understand is the more you quote Colorado Springs auto insurance, the more likely it is that you will get a better rate. You may even discover the lowest priced auto insurance comes from a lesser-known regional company.
When buying insurance coverage, never buy less coverage just to save a little money. There have been many situations where drivers have reduced collision coverage and found out when filing a claim that it was a big error on their part. Your goal should be to find the BEST coverage for the lowest price while still protecting your assets.
Some companies do not offer online quoting and these regional carriers work with local independent agents. Discount Dodge Journey insurance can be purchased from both online companies in addition to many Colorado Springs insurance agents, so compare prices from both to have the best selection.
Much more information about auto insurance in Colorado can be read on the following sites:
- Vehicle Size and Weight FAQ (iihs.org)
- Who Has Affordable Car Insurance Quotes for Drivers Over Age 50 in Colorado? (FAQ)
- What Auto Insurance is Cheapest for Veterans in Colorado? (FAQ)
- Who Has Cheap Colorado Car Insurance for Drivers Requiring a SR22? (FAQ)
- What Auto Insurance is Cheapest in Parker, Colorado? (FAQ)
- What if I Can't Find Coverage? (Insurance Information Institute)
- Things to Know Before you Cancel Insurance (Allstate)
- Understanding your Policy (NAIC.org)
- Keeping Children Safe in Crashes Video (iihs.org)