Average Monthly Premium:
Coverage Type | Average Monthly Cost |
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Liability Only | $87 |
Factors Influencing Insurance Rates:
- Location: Insurance premiums can vary based on regional factors such as traffic density, accident rates, and local regulations.
- Driving Record: A clean driving history typically results in lower premiums, while violations or accidents can increase costs.
- Age and Gender: Younger drivers, especially males under 25, often face higher rates due to statistical risk factors.
- Insurance Provider: Different companies offer varying rates. For instance, Commonwealth Casualty has been noted to offer liability-only coverage for as low as $22 per month for similar models.
Year/Make Model: 2015 Dodge Journey SXT Plus |
Ownership Status: Owned |
Discounts: Paperless, Automatic Payment |
Selected Coverages With Falcon |
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Bodily Injury Liability: $25,000 per person/$50,000 per accident |
Property Damage Liability: $25,000 |
Other Rejected Coverages: Uninsured/Underinsured Motorist, Medical Payments, Comprehensive, Collision, Rental Reimbursement, Roadside Assistance |
Married couple needing just liability insurance on a 2015 Dodge Journey SXT Plus. They did not elect to have any additional coverages added. Including uninsured/underinsured motorist. While these are optional coverages in Colorado, if you drive a lot or long distances frequently this is a coverage worth considering. It protects you and offers coverage even if a driver who hits you does not have insurance. Ask your agent for more information regarding this type of coverage.
Please note that this is only meant as an example and prices may vary depending on several factors.
Total 6 Month Premium: $383.50
Monthly Installments: $69.66
Tips to Secure Affordable Rates:
- Compare Multiple Quotes: Shopping around can help you find the best rates tailored to your profile.
- Maintain a Clean Driving Record: Avoiding traffic violations and accidents can qualify you for safe driver discounts.
- Consider Bundling Policies: Many insurers offer discounts if you bundle auto insurance with other policies, such as homeowners or renters insurance.
- Inquire About Discounts: Ask about available discounts for safety features, anti-theft devices, or for completing defensive driving courses.
Remember, individual premiums can vary widely based on personal factors and the insurer’s policies. It’s essential to assess your specific needs and financial situation when selecting coverage.