It 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.
- Step 1: Take a little time to learn about coverages and the factors you can control to drop your rates. Many factors that drive up the price such as speeding tickets, accidents and a low credit rating can be rectified by being financially responsible and driving safely. Continue reading for ideas to keep prices down and find available discounts that you may qualify for.
- Step 2: Get rate quotes from independent agents, exclusive agents, and direct companies. Direct and exclusive agents can provide rates from one company like Progressive or Farmers Insurance, while independent agencies can provide prices from multiple companies.
- Step 3: Compare the new rate quotes to your existing rates to see if you can save by switching companies. If you find a better price and buy the policy, verify that coverage does not lapse between policies.
- Step 4: Provide notification to your current company to cancel your current policy and submit payment and a signed application for the new coverage. As soon as you can, place your new certificate verifying proof of insurance in an easily accessible location in your vehicle.
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 majority of states have minimum mandated liability insurance limits which means state laws require a minimum amount of liability insurance coverage if you don’t want to risk a ticket. In New Mexico these limits are 25/50/10 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.
- If you bought your Dodge with a loan, it’s guaranteed your bank will stipulate that you have full coverage to guarantee loan repayment. If coverage lapses or is canceled, the bank may insure your Dodge for a lot more money and require you to reimburse them much more than you were paying before.
- Insurance safeguards both your Dodge and your personal assets. Insurance will also pay for medical expenses for both you and anyone you injure as the result of an accident. Liability insurance will also pay for a defense attorney if you cause an accident and are sued. If mother nature or an accident damages your car, comprehensive and/or collision insurance will pay all costs to repair after the deductible has been paid.
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.
| 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.
| 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 | |||||||
| 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.
- Discounts for Good Drivers – Insureds who avoid accidents can pay as much as 50% less than drivers with accidents.
- Own a Home – Just being a homeowner may trigger a policy discount on auto insurance due to the fact that maintaining a home requires a higher level of personal finance.
- Discounts for New Vehicles – Insuring a vehicle that is new can be considerably cheaper compared to insuring an older model.
- Discount for Low Mileage – Driving less could be rewarded with discounted auto insurance rates on garaged vehicles.
- Sign Online – Many larger companies will give a small break get Albuquerque auto insurance over the internet.
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.
- GEICO includes discounts for defensive driver, multi-policy, multi-vehicle, military active duty, good student, anti-theft, and federal employee.
- Mercury Insurance may have discounts that include location of vehicle, type of vehicle, anti-theft, low natural disaster claims, and age of vehicle.
- Farmers Insurance has savings for homeowner, mature driver, early shopping, pay in full, and electronic funds transfer.
- Auto-Owners Insurance may include discounts for mature driver, paid in full, air bags, group or association, paperless, safe driver, and safe vehicle.
- Liberty Mutual policyholders can earn discounts including exclusive group savings, hybrid vehicle, new vehicle discount, new graduate, new move discount, preferred payment discount, and newly retired.
- SAFECO offers discounts including accident prevention training, drive less, teen safe driver, teen safety rewards, anti-lock brakes, safe driver, and bundle discounts.
- Progressive has discounts for online signing, homeowner, multi-policy, online quote discount, multi-vehicle, continuous coverage, and good student.
- USAA offers premium reductions for new vehicle, multi-policy, driver training, defensive driver, and safe driver.
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.
To 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.
- Will the company cover a rental car if your car is getting fixed?
- Is there a local claims center in Albuquerque?
- What kind of financial rating does the company have?
- How long have they been in business?
- Do they get extra compensation for selling add-on coverages?
- Will they make sure you get an adequate claim settlement?
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.
- Matt Medina – State Farm Insurance Agent
4253 Montgomery Blvd NE g205 – Albuquerque, NM 87109 – (505) 881-8100 – View Map - Reggie Gallegos – State Farm Insurance Agent
2308 Eubank Blvd #B – Albuquerque, NM 87112 – (505) 298-8100 – View Map - Greg Shamas – State Farm Insurance Agent
9680 Eagle Ranch Rd NW #2 – Albuquerque, NM 87114 – (505) 898-3648 – View Map
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.
- Lorraine Y Chavez Insurance Agency, Inc.
8224 Louisiana Blvd NE – Albuquerque, NM 87113 – (505) 821-7123 – View Map - Daniels Insurance Inc
320 Gold Ave SW # 700 – Albuquerque, NM 87102 – (505) 766-9676 – View Map - Cress Insurance
6101 Moon St NE #1000 – Albuquerque, NM 87111 – (505) 822-8114 – View Map
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
- GEICO
- State Farm
- The Hartford
- Mercury Insurance
- The General
- Progressive
- Allstate
- AAA Insurance
- American Family
- 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:
- What are my Rights when Filing a Claim? (Insurance Information Institute)
- Who Has Cheap Car Insurance Rates for 4×4 Vehicles in Albuquerque? (FAQ)
- Who Has Affordable Auto Insurance Quotes for a Chevrolet Silverado in Albuquerque? (FAQ)
- Who Has the Cheapest Albuquerque Car Insurance Rates for Veterans? (FAQ)
- How Much are Auto Insurance Rates for a Nissan Rogue in Albuquerque? (FAQ)
- Who Has the Cheapest Auto Insurance for Nurses in Albuquerque? (FAQ)
- Who Has the Cheapest Car Insurance for State Employees in Albuquerque? (FAQ)
- Choosing an Insurance Company (Insurance Information Institute)
- Understanding your Policy (NAIC.org)