Compare 2009 Dodge Avenger Insurance Rates

Want lower insurance coverage rates for your Dodge Avenger? Wish you could get out of an overpriced insurance coverage policy? Don’t feel bad because there are lots of residents who feel the same.

You have multiple insurance companies to insure vehicles with, and though it is a good thing to have a selection, more choices can make it harder to find the best rates.

The quickest method to compare policy rates is to know the fact car insurance companies pay for the opportunity to provide you with free rate quotes. To start a quote, the only thing you need to do is provide information such as coverage limits, your general credit rating, whether you are single or married, and how many miles driven. Your insurance information is instantly provided to many highly-rated insurers and they return rate quotes within a short period of time.

To start a rate quote now, click here and find out if you can get cheaper insurance.

Can you really save that much by switching?

Respected companies like State Farm, Allstate and Geico consistently run ads on TV and radio. They all seem to say the same thing that you’ll save big just by switching your insurance coverage policy to them. But how can every company charge you a lower premium? It’s all in how they say it.

Insurance companies are able to cherry pick for the type of driver that will add to their bottom line. For instance, this type of driver could be between the ages of 30 and 50, insures multiple vehicles, and has excellent credit. Anybody that meets those criteria may get the lowest prices and therefore will pay quite a bit less when switching companies.

Drivers who don’t qualify for this ideal profile may be forced to pay a higher premium which translates to the customer not purchasing. The wording the ads use say “people that switch” not “everyone who quotes” can save as much as they claim. That is how companies can make it sound like they have such great prices. That is why it’s extremely important to compare price quotes frequently. Because you cannot predict with any certainty which company will be your best fit.

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Smart buyers can reduce insurance rates

It’s important that you understand the factors that go into determining the rates you pay for insurance coverage. If you know what controls the rates you pay, this empowers consumers to make smart changes that could help you find lower premium levels.

• Your occupation is a factor – Did you know your career choice can influence rates? Jobs such as doctors, executives and miners generally have the highest average rates in part from intense work-related stress and extremely grueling work hours. Conversely, careers like farmers, engineers and homemakers have the lowest average rates for Avenger insurance.
• Where you live is a factor – Being located in less populated areas of the country may provide you with better prices when it comes to insurance coverage. Residents of big cities have more road rage incidents and a longer drive to work. Fewer drivers translates into fewer accident claims in addition to fewer liability claims.
• What are your deductibles? – Comp and collision deductibles define the amount you are required to spend out-of-pocket before your insurance coverage pays a claim. Insurance for physical damage, also called ‘full coverage’, is used to repair damage to your car. Some coverage claims could be a windshield broken by a bird, vandalism, or theft of your vehicle. The more money the insured is willing to pay, the less money you will pay for insurance coverage for Avenger insurance.
• Does insurance cost less for women? – Over the last 50 years, statistics have shown that women are safer drivers than men. However, don’t assume that females are better at driving than males. Both sexes cause at-fault accidents in similar numbers, but the men cause more damage and cost insurance companies more money. They also receive more major tickets like DUI and reckless driving.
• Never allow your coverage to lapse – Allowing your insurance coverage policy to lapse will be a quick way to bump up your insurance coverage costs. And not only will insurance be more expensive, failure to provide proof of insurance could earn you a fine, jail time, or a revoked license.
• Liability coverage limits on your policy – Your insurance coverage policy’s liability coverage provides coverage when you are determined to be liable for causing personal injury or damage in an accident. It provides you with a defense in court starting from day one. Liability insurance is pretty cheap compared to physical damage coverage, so drivers should buy more than the minimum limits required by law.
• Older drivers are lower risk – Drivers with little experience tend to be easily distracted when driving therefore insurance coverage rates are much higher. Having to add a young driver to your insurance coverage policy can break the bank. Older insureds are proven to be safer behind the wheel, tend to file fewer claims and are safer drivers.
• Claim-free discounts can add up – Auto insurance companies award most affordable rates to drivers who do not file claims often. If you frequently file small claims, you can pretty much guarantee higher premiums or even policy non-renewal. Your insurance policy is designed for major claims that would cause financial hardship.

Do you qualify for discounts?

Some insurers don’t always advertise the entire discount list very well, so the following list contains a few of the more well known in addition to some of the lesser obvious auto insurance savings.

• Passive Restraints and Air Bags – Cars that have air bags and/or automatic seat belt systems can get savings as much as 30%.
• Low Mileage Discounts – Driving fewer miles can earn lower prices on the low mileage vehicles.
• Lower Rates for Military – Being on active duty in the military could qualify you for better rates.
• Good Grades Discount – A discount for being a good student could provide a savings of up to 20% or more. You can use this discount normally well after school through age 25.
• Sign Online – A few larger online companies may give you up to $50 for buying your policy on the web.
• Theft Deterent Discount – Vehicles that have factory alarm systems and tracking devices have a lower chance of being stolen and can earn a small discount on your policy.
• Drive Safe and Save – Safe drivers could pay up to 40% less for Avenger insurance than drivers with accidents.

Please keep in mind that most credits do not apply to all coverage premiums. Most only cut the cost of specific coverages such as liability and collision coverage. Even though the math looks like it’s possible to get free car insurance, companies wouldn’t make money that way.

If you would like to view insurers that provide some of the discounts listed above, click here to view.

Don’t assume everyone needs the same car insurance coverage

When it comes to buying the best car insurance coverage for your personal vehicles, there isn’t really a one size fits all plan. Everyone’s situation is a little different so your insurance should reflect that For example, these questions might help in determining whether you would benefit from an agent’s advice.

• Do I need added coverage for expensive stereo equipment?
• What is high-risk coverage and where do I buy it?
• Who is covered by my policy?
• Do I need to file an SR-22 for a DUI in my state?
• Does insurance cover damages from a DUI accident?
• How do I insure my teen driver?
• Is extra glass coverage worth it?
• Do I have coverage when pulling a U-Haul trailer?
• How high should deductibles be on a 2009 Dodge Avenger?

If it’s difficult to answer those questions, you might consider talking to an agent. If you want to speak to an agent in your area, fill out this quick form or click here for a list of car insurance companies in your area.

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Insurance coverage specifics

Learning about specific coverages of a insurance policy aids in choosing the right coverages at the best deductibles and correct limits. The coverage terms in a policy can be difficult to understand and reading a policy is terribly boring. Below you’ll find typical coverage types offered by insurance companies.

Coverage for medical payments

Medical payments and Personal Injury Protection insurance reimburse you for immediate expenses such as doctor visits, hospital visits, X-ray expenses and ambulance fees. The coverages can be used to cover expenses not covered by your health insurance plan or if you are not covered by health insurance. Medical payments and PIP cover not only the driver but also the vehicle occupants and also covers being hit by a car walking across the street. PIP coverage is not an option in every state and gives slightly broader coverage than med pay

Auto liability insurance

Liability insurance protects you from damages or injuries you inflict on other’s property or people. It protects YOU from legal claims by others. It does not cover damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see values of 25/50/25 that means you have a limit of $25,000 per injured person, $50,000 for the entire accident, and a total limit of $25,000 for damage to vehicles and property.

Liability insurance covers things like bail bonds, repair bills for other people’s vehicles and structural damage. The amount of liability coverage you purchase is a personal decision, but consider buying as large an amount as possible.

Collision coverage

This will pay to fix damage to your Avenger from colliding with a stationary object or other vehicle. You have to pay a deductible and then insurance will cover the remainder.

Collision coverage protects against claims such as crashing into a building, crashing into a ditch and backing into a parked car. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are older. It’s also possible to bump up the deductible to get cheaper collision coverage.

Comprehensive coverages

This pays for damage caused by mother nature, theft, vandalism and other events. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive can pay for things like damage from flooding, fire damage, hail damage and a broken windshield. The most a insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Uninsured and underinsured coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other motorists when they do not carry enough liability coverage. Covered claims include injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Due to the fact that many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Quote more, save more

We’ve covered a lot of techniques to reduce 2009 Dodge Avenger insurance prices online. It’s most important to understand that the more you quote car insurance, the better your chances of lowering your rates. Consumers could even find that the most savings is with the least-expected company. These companies may have significantly lower rates on certain market segments as compared to the big name companies such as Allstate or State Farm.

Affordable 2009 Dodge Avenger insurance is attainable both online in addition to many insurance agents, and you need to comparison shop both to get a complete price analysis. There are still a few companies who do not provide online quoting and many times these regional insurance providers only sell coverage through independent insurance agents.

Even more information can be found at these sites:

• Distracted Driving Extends Beyond Texting (State Farm)
• Auto Insurance 101 (About.com)
• What if I Can’t Find Coverage? (Insurance Information Insitute)
• Keeping Children Safe in Crashes Video (iihs.org)
• What are my Rights when Filing a Claim? (Insurance Information Insitute)
• Things to Know Before you Cancel Insurance (Allstate)

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