Lower Your 1999 Dodge Avenger Insurance Rates

Shoppers have options when shopping for affordable Dodge Avenger insurance. They can either spend hours driving around to compare prices or leverage the internet to make rate comparisons.

There is a better way to compare auto insurance rates and we’ll show you the absolute fastest way to get price quotes for a new or used Dodge and get the lowest price from local insurance agents and online providers.

It’s smart to take a look at other company’s rates before your policy renews since prices are constantly changing. Just because you found the lowest rates for Avenger insurance a few years ago you may be paying too much now. You can search a lot of auto insurance on the internet, but we’re going to give you some proven techniques to lower your auto insurance bill.

How much does insurance cost?

Most larger insurance companies like State Farm, Geico and Progressive provide prices on the web. Getting prices online is pretty easy because you just enter your personal and coverage information into a form. Behind the scenes, the quote system requests reports for credit and driving violations and returns pricing information.

This helps simplify price comparisons, but the time it takes to visit multiple sites and type in the same information is a waste of time. But it’s very important to compare as many rates as possible in order to find the best price possible.

The smarter way to lower your insurance bill uses one simple form that gets prices from multiple companies. It saves time, eliminates repetitive work, and makes price shopping online a lot less work. After your information is entered, it is quoted and you can select your choice of the quotes that you receive.

If one or more price quotes are lower than your current rates, you simply finish the application and purchase coverage. The entire process takes 15 minutes at the most and you will know how your current rates stack up.

To compare pricing, click here to open in a new tab and enter your vehicle and coverage information. To compare your current rates, we recommend you duplicate the coverage information as close as possible to your current policy. This way, you’re receiving comparison quotes based on identical coverages.

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Buyer beware of auto insurance advertising tricks

Consumers can’t escape the ads for cheaper auto insurance from the likes of State Farm, Geico and Progressive. All the companies say the same thing about how much you will save after switching your policy.

How does every company offer drivers better rates?

Different companies require specific criteria for the right customer that will add to their bottom line. For instance, a driver they prefer could possibly be married and over the age of 30, has no tickets, and insures a new vehicle. Any new insured who matches those parameters receives the best premium rates and will probably save quite a bit of money when switching.

Consumers who fall outside these stringent criteria may be required to pay a higher rate and this results in the customer buying from a different company. If you listen closely, the ads state “people that switch” not “everyone who quotes” save that much money. That’s why insurance companies can claim big savings.

This illustrates why drivers should compare free insurance quotes often. Because you never know which company will have the best rates.

Verify you’re getting every discount

Car insurance is not cheap, but you might be missing out on some discounts that can dramatically reduce your bill. Larger premium reductions will be automatically applied when you quote, but some need to be asked about in order for you to get them.

• Early Switch Discount – Select larger companies give a discount for switching policies early. The savings is around 10%.
• Discounts for Multiple Vehicles – Insuring multiple cars or trucks on one policy can reduce rates for all insured vehicles.
• Pay Early and Save – If paying your policy premium upfront rather than paying monthly you can avoid the installment charge.
• New Vehicle Savings – Putting insurance coverage on a new car can be considerably cheaper because new vehicles are generally safer.
• Bundle and Save – When you combine your home and auto insurance and place coverage with the same company you may earn up to 20% off your total premium.
• Driver Education Discount – Require your teen driver to take driver’s ed class if it’s offered in school.
• Braking Control Discount – Cars and trucks that have steering control and anti-lock brakes are much safer to drive and will save you 10% or more.
• No Claims – Claim-free drivers can save substantially when compared to frequent claim filers.
• Mature Driver Discount – Drivers over the age of 55 can possibly qualify for a discount up to 10% for Avenger insurance.

Don’t be surprised that some of the credits will not apply to the entire cost. Most cut the price of certain insurance coverages like collision or personal injury protection. So even though it sounds like all the discounts add up to a free policy, you won’t be that lucky.

The best insurance coverage companies and some of the discounts are detailed below.

• Esurance may offer discounts for Switch & Save, anti-lock brakes, homeowner, defensive driver, renters, good driver, and emergency road assistance.
• The Hartford may include discounts for defensive driver, driver training, air bag, anti-theft, bundle, vehicle fuel type, and good student.
• AAA includes discounts for education and occupation, good driver, good student, anti-theft, multi-policy, pay-in-full, and AAA membership discount.
• Geico offers discounts including multi-policy, federal employee, seat belt use, defensive driver, and multi-vehicle.
• State Farm has discounts for student away at school, multiple autos, accident-free, anti-theft, and good student.

When quoting, ask each insurance company which discounts they offer. All car insurance discounts may not apply to policies in your area. To locate insurers that have a full spectrum of discounts, click here to view.

When should I discuss my situation with an agent?

When buying proper insurance coverage for your personal vehicles, there really is no one size fits all plan. Coverage needs to be tailored to your specific needs.

For example, these questions may help highlight if your insurance needs might need an agent’s assistance.

• Do I need medical payments coverage since I have good health insurance?
• Will my rates increase for filing one claim?
• What are the best liability limits?
• Am I covered when delivering products for my home-based business?
• Can I still get insurance after a DUI?
• How high should my uninsured/underinsured coverage be in my state?
• Can my babysitter drive my car?
• How do I file an SR-22 for a DUI in my state?
• When can I cancel my policy?

If you can’t answer these questions but you think they might apply to your situation, you might consider talking to a licensed agent. If you want to speak to an agent in your area, take a second and complete this form. It’s fast, doesn’t cost anything and you can get the answers you need.

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Coverage specifics

Having a good grasp of auto insurance helps when choosing the best coverages and the correct deductibles and limits. The coverage terms in a policy can be difficult to understand and coverage can change by endorsement.

Comprehensive coverage – Comprehensive insurance coverage covers damage from a wide range of events other than collision. A deductible will apply then your comprehensive coverage will pay.

Comprehensive insurance covers claims like hitting a deer, rock chips in glass, a broken windshield and hail damage. The highest amount a auto insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Collision coverage – This coverage pays for damage to your Avenger resulting from a collision with a stationary object or other vehicle. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers claims such as driving through your garage door, scraping a guard rail and backing into a parked car. Paying for collision coverage can be pricey, so consider removing coverage from older vehicles. Another option is to choose a higher deductible in order to get cheaper collision rates.

Liability auto insurance – This coverage will cover damage or injury you incur to other people or property. This insurance protects YOU against other people’s claims. It does not cover damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have policy limits of 100/300/100 that translate to a $100,000 limit per person for injuries, $300,000 for the entire accident, and a total limit of $100,000 for damage to vehicles and property. Occasionally you may see one limit called combined single limit (CSL) which combines the three limits into one amount with no separate limits for injury or property damage.

Liability insurance covers claims such as court costs, pain and suffering, emergency aid and loss of income. How much liability coverage do you need? That is a decision to put some thought into, but you should buy as much as you can afford.

Medical payments coverage and PIP – Med pay and PIP coverage reimburse you for immediate expenses for X-ray expenses, ambulance fees, dental work, pain medications and rehabilitation expenses. The coverages can be used to cover expenses not covered by your health insurance plan or if there is no health insurance coverage. It covers you and your occupants as well as getting struck while a pedestrian. PIP coverage is not an option in every state and may carry a deductible

Uninsured/Underinsured Motorist coverage – This provides protection when other motorists either are underinsured or have no liability coverage at all. This coverage pays for injuries sustained by your vehicle’s occupants as well as damage to your Dodge Avenger.

Since many drivers only purchase the least amount of liability that is required, their limits can quickly be used up. This is the reason having UM/UIM coverage is very important. Frequently your uninsured/underinsured motorist coverages are set the same as your liablity limits.

One last thing

More affordable auto insurance is available from both online companies and from local insurance agents, and you should be comparing both so you have a total pricing picture. Some auto insurance companies may not provide rate quotes online and these regional carriers only sell coverage through independent insurance agents.

When searching for low cost insurance quotes, you should never skimp on coverage in order to save money. There are many occasions where someone sacrificed physical damage coverage only to regret at claim time they didn’t purchase enough coverage. Your objective should be to purchase a proper amount of coverage for the lowest cost, but don’t skip important coverages to save money.

In this article, we presented a lot of information how to reduce 1999 Dodge Avenger insurance car insurance rates online. The key concept to understand is the more rate quotes you have, the higher the chance of saving money. Consumers could even find that the most savings is with the least-expected company.

To read more, feel free to visit these articles:

• Steps to Take After an Auto Accident (Insurance Information Insitute)
• Understanding Car Crashes Video (iihs.org)
• Teen Driving and Texting (State Farm)
• Think You’re a Safe Driver? (State Farm)
• Protecting Teens from Drunk Driving (Insurance Information Insitute)

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