Are Your Dodge Avenger Auto Insurance Rates Way Too Expensive?

Shoppers have many options when shopping for the best price on Dodge Avenger insurance. You can either spend your time calling around trying to get quotes or utilize the internet to compare rates. There is a better way to compare auto insurance rates and we’ll show you the proper way to get price quotes on a Dodge and obtain the lowest possible price from local insurance agents and online providers.

Pieces of the Dodge Avenger rate puzzle

Smart consumers have a good feel for the factors that play a part in calculating your auto insurance rates. Knowing what determines base rates allows you to make educated decisions that may reward you with much lower annual insurance costs.

Shown below are some of the factors companies use to determine rates.

• Don’t cancel a policy without a new one in place – Having an insurance coverage lapse will be a guaranteed way to trigger a rate increase. Not only will rates go up, but not being able to provide proof of insurance might get you a license revocation or jail time.
• Policy add-ons can waste money – There are quite a few extra bells and whistles that you can get tricked into buying if you aren’t careful. Coverages for personal injury protection, accidental death and term life insurance are some examples. They may seem like a good idea when talking to your agent, but if they’re wasting money eliminate them to save money.
• Where you live – Living in small towns and rural areas can save you money when it comes to auto insurance. Fewer people means reduced accidents. Urban drivers have to deal with traffic congestion and longer commutes to work. More time on the road can result in more accidents.
• Lower miles equals lower premium – The more miles you rack up on your Dodge each year the more you’ll pay to insure your vehicle. The majority of insurers rate vehicles based on how the vehicle is used. Cars used primarily for pleasure use receive lower rates than those used for commuting. Double check that your auto insurance policy is rated on how each vehicle is driven, because improper ratings can cost you money. Incorrect usage on your Avenger can cost quite a bit.

How to Compare Auto Insurance

There are several ways to compare auto insurance prices but one way is less labor-intensive and much quicker. You could waste time discussing policy coverages with insurance companies in your area, or you could save time and use online quoting to accomplish the same thing much quicker.

Most of the best insurance companies belong to an insurance system that enables customers to send in one quote, and at least one company returns a rated price for coverage. This prevents consumers from doing repetitive form submissions to each individual auto insurance company. To enter your information into the quoting system, click here to open in new window.

The one disadvantage to pricing coverage this way is you cannot specify the insurers you want to price. So if you want to select from a list of companies to compare, we have a page of the cheapest auto insurance companies in your area. Click here for list of insurance companies.

It’s up to you which method you use, but make sure you use exactly the same quote information for every company. If you have unequal deductibles or liability limits then you won’t be able to make a fair comparison for your Dodge Avenger. Quoting even small variations in coverages may cause a big price difference. And when price shopping your coverage, comparing a large number of companies will enable you to find the best offered rates.

Buyer beware of auto insurance advertising tricks

State Farm, Allstate and GEICO continually stream ads in print and on television. All the companies have a common claim that you can save after switching your coverage to them. But how can every company say the same thing? It’s all in the numbers.

All the different companies have a preferred profile for the driver that is profitable for them. For instance, a driver they prefer could possibly be between 25 and 40, a clean driving record, and has excellent credit. A driver who meets those qualifications is entitled to the best price and most likely will save quite a bit of money when switching.

Potential insureds who don’t qualify for these standards will have to pay a more expensive rate and this can result in business going elsewhere. The ads state “customers that switch” not “everybody who quotes” save money. That’s why insurance companies can confidently advertise the savings. Because of the profiling, it’s extremely important to get as many comparisons as possible. It’s just too difficult to predict which company will give you the biggest savings.

Don’t miss out on these money-saving discounts

Car insurance companies don’t always advertise all available discounts very well, so we took the time to find some of the best known and also the lesser-known ways to save on auto insurance.

• Paperwork-free – Some insurance companies will give a small break for buying your policy over the internet.
• Low Mileage – Keeping the miles down on your Dodge could qualify for a substantially lower rate.
• Seat Belt Usage – Buckling up and requiring all passengers to wear their seat belts could save 15% off the personal injury premium cost.
• New Vehicle Savings – Putting insurance coverage on a new car is cheaper since new cars are generally safer.
• Resident Student – Kids in college who live away from home and do not have a car can be insured at a reduced rate.
• Organization Discounts – Being a member of a qualifying organization could qualify you for a break on auto insurance on Avenger insurance.
• Passive Restraints and Air Bags – Vehicles with factory air bags and/or automatic seat belt systems can get savings of up to 25% or more.
• Good Students Pay Less – This discount can earn a discount of 20% or more. This discount can apply until age 25.

It’s important to note that most of the big mark downs will not be given to the overall cost of the policy. The majority will only reduce individual premiums such as liability, collision or medical payments. Just because you may think having all the discounts means you get insurance for free, auto insurance companies aren’t that generous.

For a list of companies with the best auto insurance discounts, follow this link.

Smart shoppers get results

When buying insurance coverage, make sure you don’t buy less coverage just to save a little money. There are a lot of situations where drivers have reduced physical damage coverage only to find out that they should have had better coverage. The ultimate goal is to purchase a proper amount of coverage at a price you can afford while not skimping on critical coverages.

We just showed you quite a bit of information on how to save on Dodge Avenger insurance. The most important thing to understand is the more companies you get rates for, the higher your chance of finding lower rates. Consumers may even find the biggest savings come from some of the smallest insurance companies.

Low-cost Dodge Avenger insurance is available from both online companies as well as from independent agents, and you should be comparing both in order to have the best price selection to choose from. There are still a few companies who don’t offer online quoting and usually these smaller companies provide coverage only through local independent agents.