1996 Dodge Avenger Insurance Quotes

Keep in mind that some credits don’t apply to the overall cost of the policy. Most only apply to the price of certain insurance coverages like comp or med pay. So even though you would think all those discounts means the company will pay you, nobody gets a free ride.

If you would like to choose from a list of providers that provide some of the discounts listed above, click here to view.

How you can control Dodge Avenger insurance premiums

The best way to find cheaper insurance coverage is to take a look at the factors that go into determining the price you pay for insurance coverage. If you understand what controls the rates you pay, this allows you to make educated decisions that could result in better insurance coverage rates.

The itemized list below are some of the things used by companies to determine premiums.

• Additional coverages that may be costing you – Insurance companies have many extra coverages that you can get tricked into buying on your insurance coverage policy. Coverages like coverage for rental cars, accidental death, and term life insurance may be wasting your money. You may think they are a good idea when you first buy your policy, but if you’ve never needed them in the past eliminate them to save money.
• Guys tend to take more risk – Statistics have proven that women are safer drivers than men. That doesn’t necessarily mean that women are BETTER drivers than men. They both cause fender benders in similar percentages, but males cause more damage and cost insurance companies more money. Not only that, but men also get cited for more serious violations such as reckless driving.
• How much liability do you need? – Liability insurance will protect you if ever you are determined to be liable for damages from an accident. Your policy’s liability insurance provides for a legal defense starting from day one. Liability is cheap when compared with rates for comp and collision, so drivers should carry high limits.
• Always have insurance coverage – Going without insurance can be a guaranteed way to increase your insurance coverage rates. And not only will your rates increase, not being able to provide proof of insurance may earn you a revoked license or a big fine. You will then be forced to prove you have insurance by filing a SR-22 with your state DMV.
• Is you vocation costing you more? – Did you know your job can affect your rates? Careers like military generalspolice officers and accountants tend to pay higher premiums than the average policyholder due to intense work-related stress and extremely grueling work hours. Other jobs like farmers, engineers and the unemployed generally pay rates lower than average on Avenger coverage.
• Rural areas have lower prices – Having an address in less populated areas of the country has it’s advantages when it comes to insurance coverage. City drivers tend to have more road rage incidents and longer commute times. Fewer drivers and short commutes translates into fewer accidents and a lower car theft rate.

Will just any policy work for me?

When choosing proper insurance coverage for your vehicles, there isn’t really a “perfect” insurance plan. Every situation is different.

These are some specific questions could help you determine if your situation would benefit from an agent’s advice.

• Am I covered when pulling a rental trailer?
• When should I not file a claim?
• How can I force my company to pay a claim?
• Does coverage extend to my business vehicle?
• Do I have coverage when using my vehicle for my home business?
• How can I find cheaper teen driver insurance?
• What is covered by UM/UIM coverage?

If you’re not sure about those questions but one or more may apply to you, you may need to chat with a licensed agent. If you want to speak to an agent in your area, fill out this quick form. It only takes a few minutes and may give you better protection.

Parts of your insurance policy

Knowing the specifics of your insurance policy can be of help when determining which coverages you need and the correct deductibles and limits. The coverage terms in a policy can be difficult to understand and reading a policy is terribly boring.

Medical expense insurance

Personal Injury Protection (PIP) and medical payments coverage pay for expenses like dental work, surgery, funeral costs and pain medications. The coverages can be utilized in addition to your health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover both the driver and occupants as well as getting struck while a pedestrian. PIP coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage

Liability insurance

This protects you from injuries or damage you cause to other’s property or people that is your fault. This insurance protects YOU against other people’s claims, and does not provide coverage for damage sustained by your vehicle in an accident.

Liability coverage has three limits: 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 $100,000 in coverage for each person’s injuries, $300,000 for the entire accident, and property damage coverage for $100,000. Alternatively, you may have one number which is a combined single limit which provides one coverage limit rather than limiting it on a per person basis.

Liability insurance covers things such as legal defense fees, bail bonds, pain and suffering, funeral expenses and court costs. The amount of liability coverage you purchase is up to you, but consider buying higher limits if possible.

Protection from uninsured/underinsured drivers

This coverage protects you and your vehicle’s occupants when the “other guys” either are underinsured or have no liability coverage at all. This coverage pays for hospital bills for your injuries as well as damage to your Dodge Avenger.

Due to the fact that many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is a good idea. Normally your uninsured/underinsured motorist coverages are identical to your policy’s liability coverage.

Comprehensive (Other than Collision)

Comprehensive insurance coverage pays for damage from a wide range of events other than collision. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive coverage pays for things such as damage from getting keyed, hail damage, fire damage and hitting a bird. The highest amount you’ll receive from a claim is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Collision coverage

This pays for damage to your Avenger caused by collision with a stationary object or other vehicle. A deductible applies and then insurance will cover the remainder.

Collision coverage pays for claims like sustaining damage from a pot hole, colliding with another moving vehicle, backing into a parked car and driving through your garage door. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Another option is to bump up the deductible to save money on collision insurance.

Do the work, save more money

When getting car insurance quotes online, make sure you don’t reduce coverage to reduce premium. There are a lot of situations where someone dropped physical damage coverage and found out when filing a claim that a couple dollars of savings turned into a financial nightmare. The aim is to purchase a proper amount of coverage for the lowest price while not skimping on critical coverages.

Budget-friendly auto insurance is definitely available online in addition to local insurance agencies, and you should compare rates from both so you have a total pricing picture. Some insurance providers don’t offer internet price quotes and these smaller companies sell through independent agents.

We just showed you a lot of information how to get a better price on 1996 Dodge Avenger insurance. The key concept to understand is the more providers you compare, the higher your chance of finding cheaper car insurance. Consumers may even find the best car insurance rates are with some of the lesser-known companies.

More detailed auto insurance information can be read by following these links:

• Protect Yourself Against Auto Theft (Insurance Information Insitute)
• What is Covered by an Auto Insurance Policy? (Insurance Information Insitute)
• Understanding Your Insurance Deductible (Insurance Information Insitute)
• Auto Insurance Learning Center (State Farm)