Save on 2014 Dodge Avenger Car Insurance Rates

Did you make the mistake of buying overpriced insurance coverage? It’s quite common and you’re not alone.

Big-name insurance companies like Allstate and Progressive constantly blast consumers with advertising and consumers find it hard to see through the deception and take the time to shop coverage around.

Consumers need to shop coverage around before your next renewal because insurance coverage rates are adjusted regularly by insurance companies. Even if you got the best deal for Avenger coverage a few years ago you may be paying too much now. Forget all the misinformation about insurance coverage because you’re about to learn how to quote online to find the best coverage while lowering your premiums.

Use discounts to get cheaper insurance coverage rates

Companies that sell car insurance don’t always list all available discounts in an easy-to-find place, so the list below details a few of the more well known in addition to some of the lesser obvious discounts that you can inquire about if you buy insurance online.

• Good Students Pay Less – This discount may save as much as 25% on a insurance quote. The good student discount can last well after school through age 25.
• No Accidents – Drivers with accident-free driving histories have much lower rates in comparison to frequent claim filers.
• Renewal Discounts – Some companies give discounts for switching companies prior to your current policy expiration. This can save 10% or more.
• Multi-Vehicle Discounts – Buying insurance for primary and secondary vehicles with the same company can reduce rates for all insured vehicles.
• Driver Training Discounts – Taking a driver safety course can save you 5% or more and easily recoup the cost of the course.
• Discount for Multiple Policies – When you have multiple policies and place coverage with the same company they may give you a discount of nearly 15% which can help you find inexpensive insurance.

You can save money using discounts, but most of the big mark downs will not be given to your bottom line cost. The majority will only reduce individual premiums such as collision or personal injury protection. Just because you may think you could get a free insurance coverage policy, you aren’t that lucky.

Some companies who may offer some of the above discounts include:

• State Farm
• American Family
• AAA
• Geico
• Mercury Insurance
• Farmers Insurance
• Progressive

When getting free insurance quotes, it’s a good idea to every prospective company which discounts they offer. Some of the discounts discussed earlier may not apply in your area. To see a list of insurers that offer multiple discounts, click here to view.

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Finding auto insurance

There are a variety of methods to shop for auto insurance, but one way is less time-consuming than others. You could waste time driving to local insurance agents in your area, or you can utilize online quoting to get pricing more quickly.

Many of the larger companies take part in a program where prospective buyers complete one form, and each participating company returns a competitive quote based on that information. This system prevents you from having to do repetitive form submissions for each company you want a rate for.

To find out how much you can save on auto insurance click here (opens in new window).

The one downside to using this type of system is you can’t choose which carriers to receive prices from. So if you want to select individual companies to receive pricing from, we put together a list of companies who write auto insurance in your area. View list of insurance companies.

You can choose any of those ways to find more affodable coverage, but be sure to compare the exact same coverage limits for each comparison quote. If you are comparing different coverage information it’s impossible to get a fair rate comparison. Just a small difference in coverage limits may result in a large different in cost. Keep in mind that comparing a wide range of rates helps locate a lower rate than you’re paying now. Some companies don’t provide prices over the internet, so it’s important to also get prices from them as well.

Tailor your insurance coverage to you

When it comes to buying coverage, there isn’t really a “best” method to buy coverage. Each situation is unique and a cookie cutter policy won’t apply. For instance, these questions might help in determining if your insurance needs could use an agent’s help.

• When can I cancel my policy?
• How much underlying liability do I need for an umbrella policy?
• What is no-fault insurance?
• What is the rate difference between pleasure use and commuting?
• Is my 2014 Dodge Avenger covered for flood damage?
• Will I be non-renewed for getting a DUI or other conviction?
• Should I put collision coverage on all my vehicles?

If it’s difficult to answer those questions but a few of them apply, then you may want to think about talking to an agent. To find an agent in your area, complete this form or click here for a list of insurance companies in your area.

Coverages available on your policy

Learning about specific coverages of insurance helps when choosing appropriate coverage at the best deductibles and correct limits. The terms used in a policy can be impossible to understand and nobody wants to actually read their policy. Below you’ll find the usual coverages found on most insurance policies.

Liability

Liability coverage provides protection from damage or injury you incur to other’s property or people in an accident. This insurance protects YOU against claims from other people. It does not cover your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see liability limits of 25/50/25 that means you have $25,000 in coverage for each person’s injuries, a limit of $50,000 in injury protection per accident, and $25,000 of coverage for damaged propery.

Liability coverage protects against claims such as loss of income, court costs and funeral expenses. How much liability should you purchase? That is up to you, but you should buy higher limits if possible.

Comprehensive coverages

Comprehensive insurance coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive coverage protects against things such as theft, a tree branch falling on your vehicle and damage from flooding. The highest amount your insurance company will pay is the actual cash value, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Uninsured and underinsured coverage

This gives you protection when other motorists do not carry enough liability coverage. It can pay for hospital bills for your injuries as well as your vehicle’s damage.

Because many people have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is a good idea.

Collision coverage protection

This pays for damage to your Avenger caused by collision with a stationary object or other vehicle. A deductible applies and then insurance will cover the remainder.

Collision can pay for claims like crashing into a building, scraping a guard rail, backing into a parked car and colliding with another moving vehicle. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are older. Another option is to bump up the deductible in order to get cheaper collision rates.

Coverage for medical payments

Medical payments and Personal Injury Protection insurance provide coverage for expenses such as hospital visits, doctor visits and surgery. They are used to fill the gap from your health insurance policy or if there is no health insurance coverage. Coverage applies to not only the driver but also the vehicle occupants as well as getting struck while a pedestrian. PIP coverage is only offered in select states and may carry a deductible

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Quote often and quote early

In this article, we presented a lot of techniques to save on 2014 Dodge Avenger insurance. It’s most important to understand that the more providers you compare, the better your comparison will be. Consumers could even find that the most savings is with the least-expected company. They may have significantly lower premium rates on certain market segments as compared to the big name companies such as State Farm, Geico and Nationwide.

As you go through the steps to switch your coverage, never buy poor coverage just to save money. There have been many situations where an insured dropped collision coverage to discover at claim time that a couple dollars of savings turned into a financial nightmare. Your objective should be to purchase plenty of coverage at an affordable rate, but do not skimp to save money.

Cheap 2014 Dodge Avenger insurance is possible both online in addition to local insurance agencies, so get free insurance quotes from both of them in order to have the best price selection to choose from. There are still a few companies who do not provide rates over the internet and these small insurance companies prefer to sell through local independent agencies.

More learning opportunities

• Tread Depth and Tire Safety (State Farm)
• What is Covered by an Auto Insurance Policy? (Insurance Information Insitute)
• Understanding Car Crashes Video (iihs.org)
• Safety Belts FAQ (iihs.org)
• Understanding Your Insurance Deductible (Insurance Information Insitute)

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