Cheaper 2013 Dodge Avenger Insurance Quotes

Looking for lower auto insurance rates for your Dodge Avenger? Finding low-cost insurance for a Dodge Avenger can be a painful process, but you can learn a few tricks to make it easier. There are more efficient ways to compare auto insurance rates and we’ll show you the proper way to compare rates for a new or used Dodge and get the lowest possible price from both online companies and local agents.

It’s smart to price shop coverage at least once a year due to the fact that insurance prices change regularly. Just because you found the lowest price on Avenger coverage last year you will most likely find a better rate today. There are a lot of ways to save on auto insurance online, but in this article, you’re going to get the best ways to quit paying high auto insurance rates.

The best way to compare insurance rates in your area takes advantage of the fact most insurance companies actually pay money for the chance to compare their rates. The only thing you need to do is spend a couple of minutes providing details including if a SR-22 is needed, driver ages, whether you are single or married, and what your job is. That information is then sent to multiple auto insurance providers and you receive quotes instantly.

Discounts can really help save money

Companies offering auto insurance do not advertise every discount they offer in an easy-to-find place, so we researched both well-publicized in addition to some of the lesser obvious discounts you could be receiving when you buy auto insurance online.

• Seat Belt Discounts – Using a seat belt and requiring all passengers to buckle their seat belts can save 10% or more on the medical payments or PIP coverage costs.
• Responsible Driver Discount – Accident-free drivers can save up to 40% or more on their auto insurance quote on Avenger coverage than drivers with accident claims.
• Student Driver Training – Require your teen driver to take driver’s ed class in school.
• Telematics Devices – Insureds that choose to allow driving data submission to study their driving habits by using a small device installed in their vehicle like In-Drive from State Farm and Progressive’s Snapshot might get better premium rates if their driving habits are good.
• Passive Restraints and Air Bags – Vehicles equipped with air bags and/or automatic seat belt systems can receive discounts of 20 to 30 percent.

It’s important to understand that many deductions do not apply to the entire policy premium. Most only apply to specific coverage prices like comp or med pay. So when the math indicates you can get free auto insurance, auto insurance companies aren’t that generous.

A few popular companies and the discounts they provide are outlined below.

• Farmers Insurance policyholders can earn discounts including pay in full, early shopping, switch companies, homeowner, and youthful driver.
• State Farm has discounts for passive restraint, multiple autos, good driver, multiple policy, good student, anti-theft, and driver’s education.
• Liberty Mutual discounts include multi-car, safety features, newly retired, multi-policy, preferred payment discount, and teen driver discount.
• MetLife may include discounts for multi-policy, accident-free, claim-free, defensive driver, good student, good driver
• Progressive offers premium reductions for multi-vehicle, good student, continuous coverage, homeowner, multi-policy, online signing, and online quote discount.

Before buying, ask all the companies which credits you are entitled to. Some credits might not be available to policyholders in your area. For a list of insurance companies that can offer you the previously mentioned discounts, click here.

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Learn how to find car insurance for less

Lots of factors are used in the calculation when pricing auto insurance. Most are fairly basic such as your driving history, although some other factors are not quite as obvious such as your credit history or how safe your car is.The best way to find cheaper car insurance is to take a look at the rating factors that go into determining the price you pay for car insurance. When consumers understand what determines premiums, this empowers consumers to make smart changes that will entitle you to lower premium levels.

• Does your vocation raise your premiums? – Jobs like lawyersair traffic controllers and accountants tend to pay higher rates than the rest of us because of intense work situations and lots of time spent at work. Conversely, professions such as farmers, students and retirees receive lower rates on Avenger coverage.
• Gender is a factor – Over the last 50 years, statistics have shown that men are more aggressive behind the wheel. However, this does not mean women are better drivers. Men and women cause accidents in similar numbers, but men cause more damage and cost insurance companies more money. Not only that, but men also get more serious tickets like driving under the influence (DUI).
• Bump up coverage deductibles to lower rates – Physical damage protection, termed comprehensive and collision coverage on your policy, insures against damage to your Dodge. Some examples of claims that would be covered are colliding with a building, flood damage, and damage from a fallen tree branch. Comprehensive and collision coverage deductibles tell how much you are willing to pay if the claim is covered. The more the insured is willing to pay, the less your car insurance will be on Avenger coverage.
• Lower rates with a multi-policy discount – Some companies apply lower prices to policyholders that have more than one policy such as combining an auto and homeowners policy. The amount of the discounts can be 10 percent or more. Even with this discount, it’s still a good idea to compare rates to help guarantee you have the best rates.
• Single drivers take more risk – Having a spouse can get you a discount on car insurance. Having a spouse means you’re more stable financially and insurance companies like that drivers who are married file infrequent claims.
• Big cities have higher rates – Living in smaller towns and rural areas of the country may provide you with better prices if you are looking for the lowest rates. Less people living in that area means less chance of accidents as well as less vandalism and auto theft. Drivers in populated areas tend to have more road rage incidents and more time behind the wheel. Spending more time driving means more chance of being in an accident.
• Excellent credit equals lower rates – Your credit score can be an important factor in your rate calculation. Therefore, if your credit score is low, you could save money insuring your 2013 Dodge Avenger by repairing your credit. Drivers with very high credit ratings tend to be better drivers and file fewer claims than drivers who have lower ratings.

Will just any policy work for me?

When it comes to buying coverage, there is no best way to insure your cars. Every situation is different.

For instance, these questions may help you determine whether you would benefit from an agent’s advice.

• When can my company non-renew my policy?
• Should I carry comprehensive and collision coverage?
• Can I afford to pay high deductible claims out of pocket?
• Am I covered if I break a side mirror?
• When would I need additional glass coverage?
• Am I getting all the discounts available?

If you can’t answer these questions then you might want to talk to a licensed agent. To find lower rates from a local agent, complete this form. It only takes a few minutes and can help protect your family.

Car insurance coverages 101

Having a good grasp of your car insurance policy can be of help when determining appropriate coverage for your vehicles. The terms used in a policy can be confusing and even agents have difficulty translating policy wording.

Auto liability insurance – Liability coverage protects you from damages or injuries you inflict on other people or property. It protects you against other people’s claims. Liability doesn’t cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see values of 100/300/100 which means $100,000 in coverage for each person’s injuries, a per accident bodily injury limit of $300,000, and property damage coverage for $100,000.

Liability can pay for things like medical services, attorney fees and loss of income. How much liability should you purchase? That is a decision to put some thought into, but consider buying as much as you can afford.

Coverage for uninsured or underinsured drivers – This protects you and your vehicle’s occupants when the “other guys” either are underinsured or have no liability coverage at all. Covered claims include hospital bills for your injuries and damage to your 2013 Dodge Avenger.

Since many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

Coverage for medical expenses – Personal Injury Protection (PIP) and medical payments coverage pay for short-term medical expenses like chiropractic care, doctor visits, ambulance fees, X-ray expenses and hospital visits. The coverages can be used to fill the gap from your health insurance program or if you lack health insurance entirely. It covers both the driver and occupants in addition to any family member struck as a pedestrian. PIP is not available in all states and may carry a deductible

Collision coverage – This pays for damage to your Avenger resulting from colliding with an object or car. A deductible applies then your collision coverage will kick in.

Collision can pay for things such as hitting a mailbox, scraping a guard rail, sideswiping another vehicle and hitting a parking meter. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. It’s also possible to bump up the deductible to get cheaper collision coverage.

Comprehensive car insurance – This will pay to fix damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive coverage protects against claims like damage from flooding, rock chips in glass, vandalism, fire damage and damage from a tornado or hurricane. The most a car insurance company will pay at claim time is the actual cash value, so if it’s not worth much more than your deductible consider dropping full coverage.

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Save for a rainy day

When buying insurance coverage, it’s a bad idea to skimp on coverage in order to save money. Too many times, consumers will sacrifice physical damage coverage only to find out that it was a big error on their part. Your focus should be to find the BEST coverage at the lowest possible cost while not skimping on critical coverages.

We just presented many tips how you can reduce 2013 Dodge Avenger insurance premium rates online. The key thing to remember is the more quotes you get, the better likelihood of getting the cheapest auto insurance. You may be surprised to find that the lowest premium rates are with some of the lesser-known companies.

Cheaper auto insurance is possible from both online companies and with local insurance agents, so get free auto insurance quotes from both of them so you have a total pricing picture. Some insurance providers do not provide the ability to get quotes online and many times these small, regional companies work with independent insurance agents.

For more information, feel free to browse the articles below:

• Property Damage Coverage (Liberty Mutual)
• Understanding Limits and Deductibles (Allstate)
• State Laws for Cellphones and Texting (iihs.org)
• Shopping for a Safe Car (Insurance Information Insitute)
• Alcohol Impaired Driving FAQ (iihs.org)
• Car Insurance for Teen Drivers with Divorced Parents (Allstate)

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