1995 Dodge Avenger Insurance Quotes – 9 Tips for Cheaper Rates

Looking for cheaper insurance rates for your Dodge Avenger? I can’t think of a single person who is fond of buying insurance, particularly when the cost is too high. With so many options when it comes to insurance, it can be impossible to pick the lowest price insurance provider.

Are you receiving every discount?

Insuring your fleet can be pricey, but there could be significant discounts that you may not even be aware of. A few discounts will automatically apply when you complete an application, but lesser-known reductions have to be manually applied before being credited.

• Bundled Policy Discount – If you have multiple policies with one company you may earn up to 20% off your total premium.
• Full Payment Discount – By making one initial payment rather than paying in monthly installments you can avoid monthly service charges.
• New Car Discount – Insuring a new car can cost up to 25% less due to better safety requirements for new vehicles.
• Multi-car Discount – Purchasing coverage when you have primary and secondary vehicles on one policy can reduce the rates for all insured vehicles.
• Early Signing – A few car insurance companies give discounts for switching policies prior to the expiration date on your current policy. You may see this discount when you get insurance coverage quotes online.
• Federal Government Employee – Having worked for a branch of the government could cut as much as 10% off on Avenger coverage with select insurance companies.
• Drivers Ed for Students – Require your teen driver to successfully complete driver’s ed class if it’s offered in school.
• Seat Belt Discounts – Buckling up and requiring all passengers to buckle their seat belts can save up to 15% on medical payment and PIP coverage.
• Onboard Data Collection – Drivers who elect to allow driving data collection to look at their driving habits by installing a telematics device like Drivewise from Allstate or In-Drive from State Farm might see lower rates if their driving habits are good.

Keep in mind that most credits do not apply to your bottom line cost. The majority will only reduce individual premiums such as comprehensive or collision. So when the math indicates it’s possible to get free car insurance, that’s just not realistic.

A partial list of companies who might offer most of the discounts above may include but are not limited to:

• State Farm
• Geico
• Liberty Mutual
• The Hartford
• MetLife
• Progressive

It’s a good idea to ask each insurance company to apply every possible discount. A few discounts might not apply everywhere. If you would like to choose from a list of insurance companies who offer online car insurance quotes, click here to view.

When in doubt talk to an agent

When it comes to choosing proper insurance coverage for your vehicles, there really is not a cookie cutter policy. Everyone’s situation is a little different and a cookie cutter policy won’t apply. These are some specific questions may help highlight if your insurance needs will benefit from professional help.

• When should I not file a claim?
• What is the difference between comprehensive and collision coverage?
• Should I buy only the required minimum liability coverage?
• When should I buy a commercial auto policy?
• How high should my uninsured/underinsured coverage be in my state?
• What can I do if my company won’t pay a claim?
• Can I afford to pay high deductible claims out of pocket?

If you can’t answer these questions but you know they apply to you, you may need to chat with an agent. To find lower rates from a local agent, take a second and complete this form or click here for a list of insurance companies in your area. It is quick, free and can help protect your family.

Can you really save if you switch?

Drivers can’t avoid all the ads that claim the best prices by companies like Allstate and Progressive. All the ads advertise the message about saving some big amount just by switching to their company.

But how can every company offer you a better deal? This is how they do it.

All companies have a certain “appetite” for the type of driver that will most likely be profitable. For instance, a profitable insured could be a married male, insures multiple vehicles, and has excellent credit. Any new insured who fits those characteristics will get the preferred rates and will save a lot of money.

Insureds who cannot meet the requirements will probably be forced to pay higher premium rates which translates to the customer not buying. The trick is to say “people that switch” but not “everyone who gets a quote” save that kind of money. That’s why companies can make claims that they all have the best premium rates.

Different companies use different criteria so you should compare quotes as often as possible. It is impossible to guess with any certainty which company will fit you best based on your risk profile.

Insurance coverage specifics

Understanding the coverages of insurance aids in choosing which coverages you need for your vehicles. The coverage terms in a policy can be impossible to understand and coverage can change by endorsement. Below you’ll find typical coverages offered by insurance companies.

Collision coverage protection

Collision coverage covers damage to your Avenger caused by collision with another car or object. You have to pay a deductible and then insurance will cover the remainder.

Collision coverage protects against things such as backing into a parked car, rolling your car, colliding with a tree and damaging your car on a curb. This coverage can be expensive, so analyze the benefit of dropping coverage from lower value vehicles. You can also increase the deductible to get cheaper collision coverage.

Medical expense insurance

Personal Injury Protection (PIP) and medical payments coverage provide coverage for short-term medical expenses like doctor visits, hospital visits and funeral costs. They are used in conjunction with a health insurance plan or if there is no health insurance coverage. Coverage applies to not only the driver but also the vehicle occupants and also covers any family member struck as a pedestrian. PIP coverage is not available in all states and gives slightly broader coverage than med pay

Liability car insurance

This coverage protects you from damage or injury you incur to other’s property or people. It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see values of 50/100/50 which stand for $50,000 in coverage for each person’s injuries, a per accident bodily injury limit of $100,000, and property damage coverage for $50,000. Some companies may use a combined single limit or CSL which limits claims to one amount with no separate limits for injury or property damage.

Liability can pay for claims like repair bills for other people’s vehicles, repair costs for stationary objects, court costs and structural damage. How much coverage you buy is a decision to put some thought into, but buy higher limits if possible.

Protection from uninsured/underinsured drivers

This protects you and your vehicle’s occupants from other drivers when they are uninsured or don’t have enough coverage. This coverage pays for injuries to you and your family and also any damage incurred to your Dodge Avenger.

Because many people only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Most of the time these limits do not exceed the liability coverage limits.

Comprehensive (Other than Collision)

Comprehensive insurance pays for damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive coverage protects against claims like rock chips in glass, a broken windshield and damage from getting keyed. The maximum amount you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle’s value is low consider dropping full coverage.

And the best car insurance company is…

We covered some good ideas how to save on 1995 Dodge Avenger insurance. It’s most important to understand that the more you quote insurance coverage, the better your comparison will be. Consumers may even find the biggest savings come from a small local company. These companies may have significantly lower prices on certain market segments compared to the large companies like Geico and State Farm.

When shopping online for car insurance, never buy lower coverage limits just to save a few bucks. There have been many situations where an accident victim reduced liability coverage limits and discovered at claim time that the savings was not a smart move. Your strategy should be to purchase plenty of coverage at a price you can afford but still have enough coverage for asset protection.

Some car insurance companies may not provide online quoting and most of the time these small, regional companies only sell through independent agents. Budget-friendly car insurance can be sourced online in addition to local insurance agencies, and you should compare price quotes from both to have the best rate selection.

Additional information can be read on the following sites:

• Can I Drive Legally without Insurance? (Insurance Information Insitute)
• Child Safety Seats (Insurance Information Insitute)
• Auto Insurance FAQ (Farmers Insurance)
• Prom Night Tips for Teen Drivers (State Farm)
• Smart Auto Insurance Tips (Insurance Information Insitute)