Affordable Quotes for Dodge Journey Insurance in Albuquerque

Discount Dodge Journey insuranceIt takes a few minutes, but the best way to find low-cost Dodge Journey insurance is to begin comparing prices regularly from different companies that sell auto insurance in Albuquerque. Drivers can shop around by completing these steps.

One piece of advice is to use the same physical damage deductibles and liability limits on each price quote and and to look at as many carriers as you can. This guarantees the most accurate price comparison and and a good selection of different prices.

It goes without saying that insurance companies don’t want you quoting rates from other companies. People who shop around annually will probably switch companies because the odds are good of finding a policy with better rates. Remarkably, a study showed that consumers who routinely shopped around saved approximately $860 a year compared to people who never shopped for cheaper rates.

If finding the most affordable Dodge Journey insurance in Albuquerque is your ultimate objective, then knowing how to get price quotes and compare coverage rates can make the process less intimidating.

Which Dodge Journey insurance is cheapest in Albuquerque, New Mexico?

When shopping for affordable Albuquerque auto insurance quotes, there are a couple of ways to compare rate quotes from different companies. The best way to find affordable Dodge Journey insurance rates consists of obtaining rate quotes online. Keep in mind that comparing a wide range of rates will improve the odds of getting more affordable insurance. Some smaller insurers do not give Albuquerque Journey insurance quotes online, so it’s recommended that you also compare prices from those companies as well.

The following companies provide price comparisons in New Mexico. If multiple companies are listed, we suggest you visit two to three different companies to find the cheapest auto insurance rates.

Protect more than your Dodge vehicle

Even though it’s not necessarily cheap to insure a Dodge in Albuquerque, insuring your vehicle may be required for several reasons.

The benefits of buying enough insurance outweigh the cost, particularly when you have a large claim. In a recent study of 1,000 drivers, the average customer is overpaying more than $850 per year so you should quote rates at every renewal to ensure rates are inline.

Dodge Journey insurance charts and tables

The data table shown next outlines different insurance premium costs for Dodge Journey models. Learning more about how premiums are calculated can aid in making decisions on which coverage to buy.

Dodge Journey Insurance Rates in Albuquerque, NM
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Journey SE 2WD $176 $216 $422 $24 $126 $964 $80
Journey SXT 2WD $176 $264 $422 $24 $126 $1,012 $84
Journey R/T 2WD $198 $264 $422 $24 $126 $1,034 $86
Journey SXT Crew 2WD $198 $264 $422 $24 $126 $1,034 $86
Journey SXT AWD $198 $264 $422 $24 $126 $1,034 $86
Journey R/T AWD $198 $310 $422 $24 $126 $1,080 $90
Journey SXT Crew AWD $198 $310 $422 $24 $126 $1,080 $90
Get Your Own Custom Quote Go

Table data represents single male driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and New Mexico minimum liability limits. Discounts applied include safe-driver, homeowner, multi-vehicle, claim-free, and multi-policy. Estimates do not factor in the specific area where the vehicle is garaged which can alter auto insurance rates greatly.

Deductible analysis

One of the most common car insurance questions is how high should the deductibles for physical damage be. The rates shown below lay out how much more you’ll pay between low and high coverage deductibles. The first rate estimation uses a $250 physical damage coverage deductible and the second price chart uses a $1,000 deductible.

Dodge Journey insurance with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Journey SE 2WD $248 $344 $322 $20 $96 $1,055 $88
Journey SXT 2WD $248 $420 $322 $20 $96 $1,131 $94
Journey R/T 2WD $280 $420 $322 $20 $96 $1,163 $97
Journey SXT Crew 2WD $280 $420 $322 $20 $96 $1,163 $97
Journey SXT AWD $280 $420 $322 $20 $96 $1,163 $97
Journey R/T AWD $280 $494 $322 $20 $96 $1,237 $103
Journey SXT Crew AWD $280 $494 $322 $20 $96 $1,237 $103
Get Your Own Custom Quote Go

Dodge Journey insurance with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Journey SE 2WD $154 $216 $322 $20 $96 $808 $67
Journey SXT 2WD $154 $264 $322 $20 $96 $856 $71
Journey R/T 2WD $174 $264 $322 $20 $96 $876 $73
Journey SXT Crew 2WD $174 $264 $322 $20 $96 $876 $73
Journey SXT AWD $174 $264 $322 $20 $96 $876 $73
Journey R/T AWD $174 $310 $322 $20 $96 $922 $77
Journey SXT Crew AWD $174 $310 $322 $20 $96 $922 $77
Get Your Own Custom Quote Go

Data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and New Mexico minimum liability limits. Discounts applied include multi-policy, claim-free, safe-driver, multi-vehicle, and homeowner. Rate information does not factor in specific location which can raise or lower insurance rates substantially.

Based on the above data, using a $250 deductible will cost in the ballpark of $24 more each month or $288 for a full year than choosing the higher $1,000 deductible. Since the policyholder would be required to pay $750 more to file a claim with a $1,000 deductible as compared to a $250 deductible, if you usually have at least 31 months between claim filings, you would probably come out ahead if you opt for a higher deductible.

How to determine if raising deductibles makes sense

Average monthly premium for $250 deductibles: $97
Average monthly premium for $1,000 deductibles (subtract): – $73
Monthly savings from raising deductible: $24
Difference between deductibles ($1,000 – $250): $750
Divide difference by monthly savings: $750 / $24
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 31 months

One thing to be aware of is that higher deductibles results in having to pay to pay more out-of-pocket when you do file a claim. That will require enough extra savings in order to pay more for the deductible.

The information below illustrates how choosing a deductible and can affect Dodge Journey insurance rates for each age group. The premiums are based on a married male driver, full coverage, and no policy discounts are applied.

Lower rate quotes on Dodge Journey insurance in Albuquerque with these auto insurance discounts

Some insurance providers do not list all possible discounts in a way that’s easy to find, so we break down a few of the more well known and also the more inconspicuous credits available to you.Save money with discounts

Remember that most of the big mark downs will not be given to the entire policy premium. Most only apply to individual premiums such as collision or personal injury protection. Despite the appearance that all those discounts means the company will pay you, auto insurance companies aren’t that generous.

The chart below shows the comparison of Dodge Journey car insurance rates with and without discounts being applied to the rates. The costs are based on a female driver, a clean driving record, no at-fault accidents, New Mexico state minimum liability limits, full coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with homeowner, multi-policy, marriage, safe-driver, multi-car, and claim-free discounts applied.

The best auto insurance companies and some of the discounts are included below.

Before purchasing a policy, check with each insurance company which discounts they offer. Some credits may not be offered in Albuquerque.

When to contact a local insurance agent

A lot of people would rather get professional advice from a licensed agent and that is recommended in a lot of cases A nice benefit of comparing insurance prices online is that drivers can save money and get the lowest rates and still choose a local agent.

Insurance agency in AlbuquerqueTo find an agent, once you fill out this quick form, the coverage information is immediately sent to participating agents in Albuquerque who will give competitive quotes for your business. It simplifies rate comparisons since you won’t have to search for any insurance agencies because quoted prices will be sent to you. You can find better rates without a big time investment. If you want to get a rate quote from a particular provider, just navigate to their website and fill out their quote form.

Deciding on an provider is decision based upon more than just a low price. These are some valid questions you should ask.

Albuquerque car insurance agents come in two flavors

If you want to buy auto insurance from a local agent, there are a couple of types of insurance agents from which to choose. Auto insurance agencies can be described as either exclusive or independent (non-exclusive).

Exclusive Insurance Agents

These agents can usually just insure with one company such as Farmers Insurance, State Farm, or Allstate. Exclusive agents cannot compare other company’s rates so always compare other rates. Exclusive agents are well trained on what they offer which helps them compete with independent agents. Drivers often buy from exclusive agents mostly because of the prominence of the brand and the convenience of having a single billing for all their coverages.

Below are Albuquerque exclusive insurance agencies that are able to give price quotes.

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Independent Insurance Agents

Agents that elect to be independent are not restricted to one company and that enables them to quote your coverage with many different companies and find you the best rates. To transfer your coverage to a different company, they simply switch companies in-house which is easy for the insured. If you need lower rates, it’s a good idea to include price quotes from multiple independent agents so that you have a good selection of quotes to compare. Most also have access to different regional companies which can save you money.

Below is a short list of independent insurance agencies in Albuquerque willing to provide rate quotes.

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Auto insurance companies ranked

Finding the right car insurance provider can be difficult considering how many different companies sell coverage in New Mexico. The information shown below could help you decide which auto insurers you want to consider comparing rate quotes with.

Top 10 Albuquerque Car Insurance Companies Ranked by Customer Service

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

Cheap auto insurance rates are possible

Consumers switch companies for many reasons like delays in paying claims, delays in responding to claim requests, denial of a claim and even extreme rates for teen drivers. Whatever your reason, finding a great new company can be easier than you think.

Lower-priced Dodge Journey insurance in Albuquerque is available both online and from local insurance agents, and you need to price shop both to have the best rate selection. Some auto insurance companies don’t offer rates over the internet and these small insurance companies work with independent agents.

We just presented many ways to lower your Dodge Journey insurance prices in Albuquerque. The most important thing to understand is the more providers you compare, the better your comparison will be. Consumers may even find the lowest prices are with some of the lesser-known companies.

More tips and info about auto insurance can be found at these sites: