Best Cheap Insurance Quotes for a Dodge Journey in Colorado

Finding cheaper car insurance for a Dodge Journey in Colorado hinges on a large number of factors like whether you are male or female, whether or not you have had gaps between policies, and your choice of deductibles. Colorado drivers will pay on average $1,120 per year to buy Dodge Journey insurance, but that is based on rate data for a 40-year-old single female driver that has comprehensive and collision coverage and $500 policy deductibles.

But there is a high probability that you may not be 40 years old (or even female), maybe you are married instead of single, or maybe your Colorado zip code is rated higher than the example. Auto insurance prices are based on the driver profile the most reliable way to find the most affordable coverage for your Dodge is to just compare rates yourself.

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The specific model of Journey will likely have an effect on the yearly cost, so the price you will pay to insure a Journey SE 2WD model will be $178 cheaper than the cost to insure the higher-priced Journey SXT Crew AWD version, as shown in the chart below.

Above prices assume single female driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Colorado minimum liability limits. Discounts applied include multi-vehicle, multi-policy, claim-free, homeowner, and safe-driver. Rate information does not factor in specific location information which can influence insurance rates substantially.

Establishing which company has the lowest-priced auto insurance rates for a Dodge Journey may require a little more work in order to find the best policy.

Each auto insurance company has a proprietary method for determining rates, so we need to take a look at the lowest cost auto insurance companies in Colorado. We do need to point out that Colorado auto insurance rates are calculated based on many things which can substantially change the cost of your policy. Simply improving your credit, buying a home, or having an accident may cause policy rate changes resulting in some companies being cheaper than competitors.

Lowest Insurance Price Quotes for Your Dodge

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The Hartford may offer some of the most affordable car insurance rates in Colorado at around $850 a year. Grange, USAA, Nationwide, and GEICO are also some of the most economical Colorado car insurance companies.

In this example, if you are a customer of GEICO and switched to Grange, you could earn savings of in the vicinity of $198. Customers with Travelers could save as much as $205 a year, and Auto-Owners policyholders might reduce rates by $214 a year.

If you want to find out if you’re overpaying, click here to start your free quote or quote prices from the following companies.

It’s important to note that these prices are averaged for all ages of drivers and types of vehicles and do not factor in a specific rating modification for a Dodge Journey. So the insurer that is best for you may not even be in the list of companies above. That is why you need to get auto insurance quotes using your own personalized driver profile and vehicle information.

The information below illustrates how your choice of deductibles can affect yearly insurance costs when researching cheap insurance for a Dodge Journey. The rates are based on a single female driver, comprehensive and collision coverage, and no discounts are applied to the premium.

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The chart above illustrates that a 50-year-old driver could lower rates by $388 a year by switching from a $100 deductible to a $500 deductible, or save $586 by changing to a $1,000 deductible. Even younger drivers, such as the 20-year-old example, can cut up to $990 each year by choosing a higher deductible.

When choosing a higher deductible, it’s a good idea to have additional funds squirreled away to pay the extra out-of-pocket expense that comes with higher deductibles.

Geico, Progressive, State Farm, and Allstate compared

When comparing insurance for a Journey in Colorado, four of the best places to start are Geico, Progressive, State Farm, and Allstate. Combined they make up almost 50% of all auto insurance written. The next table ranks some of the different options that you can purchase from each one.

Find the best cheap insurance for a Dodge Journey in Colorado

The list below shows some of the recommended penny-pinching suggestions that can help Colorado drivers get the cheapest coverage.

• Do not get traffic citations
• Clean up your credit
• Raise your physical damage coverage deductibles
• Choose a safer vehicle and pay lower rates
• Avoid accidents
• Do not pay for full coverage on older vehicles
• Compare rates once a year for cheaper prices

That last tip is highly valuable, as was discussed in this write-up. Auto insurance prices can change considerably in a year, so don’t be afraid to switch to a new company if a more affordable price is available. Brand loyalty is not necessarily bad, but it isn’t a good idea if that loyalty results in overpaying a small fortune. It takes less than five minutes to compare prices and find cheaper car insurance for a Dodge Journey.