Car Insurance Rates for a Dodge Journey in Colorado Springs

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Dodge Journey insurance cost
Dodge Journey insurance cost image courtesy of QuoteInspector.com

It's safe to assume that auto insurance companies don't want policyholders to compare prices from other companies. People who compare other rates are inclined to buy a new policy because there is a good chance of finding a cheaper policy. A recent insurance study discovered that people who made a habit of comparing rates saved approximately $3,400 over four years compared to other drivers who don't regularly compare prices.

If finding the lowest rates on car insurance in Colorado Springs is the reason for your visit, then knowing how to choose a company and compare insurance premiums can save money and time.

Insurance rates Dodge Journey in Colorado SpringsIf you want to save the most money, the best way to get the cheapest auto insurance rates is to compare prices at least once a year from companies who can sell car insurance in Colorado Springs. You can shop around by following these guidelines.

First, read about the coverage provided by your policy and the modifications you can make to lower rates. Many policy risk factors that result in higher prices such as speeding and a lousy credit rating can be controlled by making minor changes to your lifestyle.

Second, obtain price quotes from direct carriers, independent agents, and exclusive agents. Exclusive and direct companies can give quotes from one company like Progressive or State Farm, while independent agencies can quote prices for a wide range of insurance providers.

Third, compare the quotes to your current policy premium to see if a cheaper price is available. If you can save money and decide to switch, ensure coverage does not lapse between policies.

Fourth, give proper notification to your current agent or company to cancel the current policy. Submit the completed application along with a down payment to your new insurance company. As soon as coverage is bound, keep your new certificate verifying proof of insurance along with the vehicle's registration papers.

A good piece of advice is to use the same amount of coverage on every quote request and and to analyze as many companies as feasibly possible. Doing this helps ensure the most accurate price comparison and a thorough price selection.

Buying affordable auto insurance in Colorado Springs seems hard but is not really that difficult. Virtually every person who is overpaying for auto insurance stands a good chance to get better rates. Nevertheless, Colorado consumers can benefit from knowing the way companies determine how much to charge and take advantage of how the system works.

Which Dodge Journey insurance is cheapest in Colorado Springs?

When quoting insurance, remember that comparing a wide range of rates helps improve the odds of finding better pricing.

The following companies have been selected to offer price comparisons in Colorado Springs, CO. To locate the best cheap car insurance in Colorado Springs, it's highly recommended you visit several of them to get a more complete price comparison.

Data for Dodge Journey insurance

The price information below outlines estimates of rate quotes for Dodge Journey models. Being aware of how insurance premiums are figured can help drivers make smart choices when comparing insurance rates.

Dodge Journey Insurance Rates in Colorado Springs, CO
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Journey SE 2WD $234 $368 $396 $24 $118 $1,140 $95
Journey SXT 2WD $234 $448 $396 $24 $118 $1,220 $102
Journey R/T 2WD $264 $448 $396 $24 $118 $1,250 $104
Journey SXT Crew 2WD $264 $448 $396 $24 $118 $1,250 $104
Journey SXT AWD $264 $448 $396 $24 $118 $1,250 $104
Journey R/T AWD $264 $528 $396 $24 $118 $1,330 $111
Journey SXT Crew AWD $264 $528 $396 $24 $118 $1,330 $111
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Prices above based on single female driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and Colorado minimum liability limits. Discounts applied include safe-driver, multi-vehicle, homeowner, multi-policy, and claim-free. Prices do not factor in specific location which can alter auto insurance rates noticeably.

An analysis of deductible level

When comparing insurance rates, the most common question is which deductibles should you choose. The comparisons below outline the difference in cost of buying low and high physical damage coverage deductibles. The first set of rates uses a $100 deductible and the second set of prices uses a $1,000 deductible.

Dodge Journey insurance rates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Journey SE 2WD $302 $448 $352 $20 $106 $1,253 $104
Journey SXT 2WD $302 $546 $352 $20 $106 $1,351 $113
Journey R/T 2WD $342 $546 $352 $20 $106 $1,391 $116
Journey SXT Crew 2WD $342 $546 $352 $20 $106 $1,391 $116
Journey SXT AWD $342 $546 $352 $20 $106 $1,391 $116
Journey R/T AWD $342 $644 $352 $20 $106 $1,489 $124
Journey SXT Crew AWD $342 $644 $352 $20 $106 $1,489 $124
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Dodge Journey insurance 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, multi-policy, homeowner, multi-vehicle, and claim-free. Premium amounts do not factor in vehicle garaging location which can revise premiums substantially.

We can estimate from the data above that using a $100 deductible will cost you roughly $36 more each month or $432 every year than requesting the higher $1,000 deductible. Since the policyholder would be required to pay $900 more out of your own pocket with a $1,000 deductible as compared to a $100 deductible, if you average at a minimum 25 months between claims, you would probably be better off by going with a higher deductible.

The diagram below shows how different deductible levels and can impact Dodge Journey annual premium costs for different categories of driver ages. The price estimates are based on a married male driver, comprehensive and collision coverage, and no other discounts are factored in.

Responsible drivers pay cheaper Colorado Springs insurance rates

The example below shows how violations and accident claims can increase Dodge Journey car insurance rates for each age group. The premiums assume a married male driver, full coverage, $100 deductibles, and no discounts are factored in.

Learn How to Lower Your Insurance Prices

It's important that you understand some of the elements that aid in calculating car insurance rates. When consumers understand what controls the rates you pay, this enables you to make decisions that can earn you better car insurance rates.

The following are just a few of the factors utilized by car insurance companies to help set your premiums.

Lower car insurance rates with alarm systems - Selecting a car model with advanced anti-theft systems can get you a discount on your car insurance. Anti-theft features like tamper alarm systems, vehicle immobilizer technology and General Motors OnStar all aid in stopping your car from being stolen.

How many coverages with the same company - Many insurance companies will award a discount to clients that buy multiple policies, otherwise known as a multi-policy discount. Even if you're getting this discount you still need to check prices from other companies to make sure you are getting the best deal. Drivers may still find a better deal by buying from different companies

Credit history impacts premium prices - An insured's credit score is likely to be a major factor in determining your rates. Therefore, if your credit score leaves room for improvement, you may save money insuring your Dodge Journey if you improve your credit rating. People that have good credit tend to be better drivers and file fewer claims as compared to drivers with lower credit scores.

Annual mileage and car insurance prices - The more you drive your Dodge every year the higher the price you pay to insure it. A lot of insurance companies charge rates based upon how you use the vehicle. Cars and trucks not used for work or commuting can be on a lower rate level as compared to vehicles used primarily for driving to work. Having the wrong rating on your Journey is throwing money out the window. Double check that your car insurance policy is showing the right rating data, because it can save money.

Get hitched and get better prices - Your spouse may cut your premiums on your car insurance policy. Having a spouse may mean you are more mature than a single person and it's statistically proven that married drivers get in fewer accidents.

Small frequent insurance claims are not good - If you file a lot of claims you can expect increased rates or even have your policy non-renewed. Companies in Colorado generally give most affordable rates to insureds that do not abuse their auto insurance. Insurance coverage is designed for major claims that would cause financial hardship.

Extra coverages can waste money - Insurance policies have a lot of additional coverages you can purchase if you aren't diligent. Things like roadside assistance, towing, and Farm Bureau memberships are some examples. These may sound like a good investment initially, but your needs may have changed so remove them and pocket the money.

More performance means more cost - The performance of the vehicle you are insuring makes a significant difference in your auto insurance rates. Lower performance four cylinder passenger models receive the most favorable rates, but there are many factors that impact the final cost.

The data below is based on a married female driver age 50, full coverage with $500 deductibles, and no discounts or violations. The chart compares Dodge Journey insurance rates compared to other models of vehicles that have a range of performance rating factors.

Insurance loss data for a Dodge Journey - Insurance companies analyze historical claim data as a tool for profitable underwriting. Vehicles that are shown to have higher frequency or amount of claims will be charged more to insure.

The table below outlines the historical loss data for Dodge Journey vehicles. For each policy coverage, the loss probability for all vehicles averaged together is equal to 100. Numbers that are below 100 represent a good loss history, while values that are above 100 indicate a higher chance of having a claim or an increased chance of a larger loss.

Insurance Loss Ratings for Dodge Journey Vehicles
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
BETTER
AVERAGE
WORSE

Empty fields indicate not enough data collected
Data Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

Why you need car insurance

Despite the fact that car insurance is not cheap in Colorado Springs, maintaining insurance may not be optional for several reasons.

  • Just about all states have mandatory insurance requirements which means the state requires a specific minimum amount of liability insurance in order to drive the car. 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 you took out a loan on your Journey, more than likely the lender will stipulate that you have insurance to ensure the loan is repaid in case of a total loss. If the policy lapses, the bank will be required to insure your Dodge at a more expensive rate and force you to pay for it.
  • Car insurance protects your vehicle and your assets. Insurance will also pay for hospital and medical expenses for not only you but also any passengers injured in an accident. Liability coverage will also pay to defend you if someone files suit against you as the result of an accident. If your car is damaged in a storm or accident, comprehensive and/or collision insurance will pay all costs to repair after the deductible has been paid.

The benefits of having insurance more than offset the price you pay, especially for larger claims. As of last year, the average driver in Colorado is currently overpaying as much as $865 each year so you should quote and compare rates at every renewal to ensure rates are competitive.

Which car insurance company is best in Colorado Springs?

Buying coverage from the top insurance company is difficult considering how many different companies insure vehicles in Colorado. The ranking information displayed below may help you decide which car insurance providers you want to consider when comparing rate quotes.

Top 10 Colorado Springs Car Insurance Companies Overall

  1. USAA
  2. American Family
  3. State Farm
  4. The Hartford
  5. AAA Insurance
  6. GEICO
  7. The General
  8. Titan Insurance
  9. Progressive
  10. Mercury Insurance