High-priced Dodge Journey insurance in Denver can deplete your savings account and make it tough to pay other bills.
Unbelievably, the vast majority of consumers kept their coverage with the same insurance company for a minimum of four years, and almost half have never even shopped around for lower-cost coverage. With the average premium in Colorado being $1,800, drivers can save hundreds of dollars each year by just comparing quotes, but they just don’t want to compare rates and save money. Numerous insurance companies battle to insure your vehicles, and because of this it can be hard to compare auto insurance companies to discover the definitive best rate on Dodge Journey insurance in Denver.
The easiest way to compare rate quotes for Dodge Journey insurance in Denver is to know the trick auto insurance companies participate in online systems to give you rate quotes. To begin a comparison, all you need to do is spend a couple of minutes providing details such as an estimate of your credit level, whether or not you need a SR-22, your occupation, and if the vehicle is leased. That rating data is then submitted to many of the top insurers and they return rate quotes instantly to find the best rate.
To start a quote now, click here and complete the form.
The providers in the list below offer free rate quotes in Denver, CO. If more than one company is shown, we recommend you get prices from several of them to find the cheapest auto insurance rates.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Journey SE 2WD | $310 | $376 | $460 | $28 | $138 | $1,312 | $109 |
| Journey SXT 2WD | $294 | $536 | $358 | $22 | $108 | $1,318 | $110 |
| Journey R/T 2WD | $192 | $306 | $330 | $20 | $98 | $946 | $79 |
| Journey SXT Crew 2WD | $340 | $562 | $474 | $28 | $142 | $1,546 | $129 |
| Journey SXT AWD | $214 | $380 | $396 | $24 | $118 | $1,132 | $94 |
| Journey R/T AWD | $184 | $332 | $358 | $22 | $108 | $1,004 | $84 |
| Journey SXT Crew AWD | $242 | $426 | $358 | $22 | $108 | $1,156 | $96 |
| Get Your Own Custom Quote Go | |||||||
Above prices assume married female driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Colorado minimum liability limits. Discounts applied include multi-vehicle, safe-driver, homeowner, multi-policy, and claim-free. Rate information does not factor in the specific area where the vehicle is garaged which can lower or raise premiums significantly.
Physical damage deductible comparison
One frequently asked question is how high should your deductibles be. The rates shown below summarize the difference in cost between low and high coverage deductibles. The first rate comparisons uses a $100 deductible for comp and collision and the second price chart uses a $500 deductible.
| 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 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Journey SE 2WD | $220 | $304 | $352 | $20 | $106 | $1,002 | $84 |
| Journey SXT 2WD | $220 | $368 | $352 | $20 | $106 | $1,066 | $89 |
| Journey R/T 2WD | $250 | $368 | $352 | $20 | $106 | $1,096 | $91 |
| Journey SXT Crew 2WD | $250 | $368 | $352 | $20 | $106 | $1,096 | $91 |
| Journey SXT AWD | $250 | $368 | $352 | $20 | $106 | $1,096 | $91 |
| Journey R/T AWD | $250 | $434 | $352 | $20 | $106 | $1,162 | $97 |
| Journey SXT Crew AWD | $250 | $434 | $352 | $20 | $106 | $1,162 | $97 |
| Get Your Own Custom Quote Go | |||||||
Table data represents married male driver age 30, no speeding tickets, no at-fault accidents, and Colorado minimum liability limits. Discounts applied include multi-policy, homeowner, safe-driver, multi-vehicle, and claim-free. Rate quotes do not factor in vehicle location which can increase or decrease rates noticeably.
Based on this data, using a $100 deductible could cost the average driver approximately $25 more each month or $300 each year than choosing the higher $500 deductible. Because you would pay $400 more out-of-pocket with a $500 deductible as compared to a $100 deductible, if you tend to average at least 16 months between claims, you would probably come out ahead going with the higher deductible.
How accidents and violations affect rates
The diagram below highlights how speeding tickets and fender-benders can influence Dodge Journey yearly insurance costs for different age groups. The premium estimates are based on a married female driver, full physical damage coverage, $1,000 deductibles, and no other discounts are factored in.
Rate comparison of male drivers versus female drivers
The diagram below compares Dodge Journey yearly insurance costs for male and female drivers. The rates are based on a clean driving record, no claims, full coverage, $250 deductibles, single marital status, and no discounts are taken into consideration.
Shop online but buy locally
A lot of people just prefer to talk to a local agent and that is a personal choice. Good insurance agents are highly skilled in risk management and help submit paperwork. The best thing about getting free rate quotes online is you may find better rates but still work with a licensed agent. And buying from small agencies is important particularly in Denver.
By using this short form, your insurance coverage information is emailed to insurance agents in Denver that can provide free Denver auto insurance quotes for your business. It simplifies rate comparisons since you won’t have to find an agent on your own because quoted prices will be sent instantly to you. If you wish to compare rates for a specific company, just find their quoting web page and complete a quote there.
Car insurance agents in Denver come in two varieties
If you want to use a reliable insurance agency, it’s important to understand the different types of agents that you can select. Agencies in Denver are categorized either exclusive or independent. Either one can properly insure your vehicles, but it’s good to learn how they are different because it can factor into which agent you choose.
Independent Car Insurance Agencies
These agents do not have single company limitations so they have the ability to put coverage with any number of different companies and get the cheapest rates. If premiums increase, your agent can switch companies which makes it simple for you.
If you are comparing car insurance prices, we recommend you include price quotes from several independent insurance agents to get the best comparison.
Below are independent agents in Denver that may be able to give you comparison quotes.
American Home Insurance Agency
7505 E Harvard Ave – Denver, CO 80231 – (888) 325-8108 – View Map
Nationwide Insurance: Lloyd Pro Group Agency
1400 S Columbine St – Denver, CO 80210 – (970) 230-3020 – View Map
Alliance General Insurance Agency
2696 CO-2 – Denver, CO 80222 – (303) 377-1172 – View Map
Exclusive Agencies
These type of agents generally can only insure with one company and some examples include Farmers Insurance or State Farm. They usually cannot provide prices from multiple companies so if the price isn’t competitive there isn’t much they can do. These agents are well schooled on sales techniques which helps them sell on service rather than price.
The following are Denver exclusive insurance agencies that can give you price quote information.
Allstate Insurance: Paul Novak
3900 E Mexico Ave # 105 – Denver, CO 80210 – (303) 320-7859 – View Map
Rick Emerson Jr. – State Farm Insurance Agent
4800 Happy Canyon Rd #230 – Denver, CO 80237 – (303) 781-1133 – View Map
Bob Chapman – State Farm Insurance Agent
2335 E Evans Ave – Denver, CO 80210 – (303) 777-3005 – View Map
Selecting a insurance agency needs to be determined by more than just a low price. These are some questions your agent should answer.
- Is insurance their full-time profession?
- What company do they have the most business with?
- Do they specialize in personal lines auto insurance in Denver?
- Does the agent help file claims?
- Is the quote a firm price?
- Are you getting all the discounts the company offers?
If you receive good responses to your questions as well as offering an affordable quote, you may have just found an insurance agency that meets the criteria to properly service your car insurance policy. Keep in mind you can terminate coverage for any reason so never feel that you’re stuck with a specific agent for the full policy term.