1997 Dodge Avenger Car Insurance Quotes

Looking for cheaper insurance coverage rates for your Dodge Avenger? Shopping for inexpensive insurance probably sounds like a formidable task if you are like the majority of consumers and have never used online insurance coverage quotes. Don’t be confused because finding better rates is easier than you think.

Consumers need to compare premium rates once or twice a year because rates are adjusted regularly by insurance companies. Just because you had the best rate for Avenger insurance a few years ago there is a good chance you can find better prices now. You can find a lot of wrong information about insurance coverage online, but by reading this article, you’re going to learn a lot of great tips on how to find cheap insurance coverage.

Informed consumers save more

Many factors are part of the calculation when quoting car insurance. Most are fairly basic like a motor vehicle report, but some are less obvious like your continuous coverage or how financially stable you are.Part of the car insurance buying process is learning the rating factors that are used to determine your premiums. If you understand what positively or negatively impacts your premiums, this allows you to make educated decisions that may result in lower rates.

• Commute or pleasure use – The more miles you rack up on your Dodge each year the more you’ll pay to insure it. A lot of companies apply a rate based upon how you use the vehicle. Cars left parked in the garage can get a lower rate than those used for commuting. A policy that improperly rates your Avenger may be costing you. It’s a smart idea to ensure your vehicle rating reflects annual mileage.
• Pay more by driving carelessly – Having a clean driving record impacts your car insurance rates tremendously. Attentive drivers get better rates compared to bad drivers. Even a single speeding ticket or other violation can increase the cost of insurance substantially. Drivers unfortunate enough to have multiple tickets like DUI or willful reckless driving are required to prove financial responsibility with their state’s department of motor vehicles in order to keep their license.
• Insurance rates for married couples – Having a significant other may cut your premiums on your car insurance bill. Having a significant other is viewed as being more mature than a single person it has been statistically shown that drivers who are married are more cautious.
• Compare rates if you combine your policies – The majority of insurance companies give discounts to insureds that have more than one policy. It’s known as a multi-policy discount. Even with this discount, you still need to check prices from other companies to make sure you are getting the best deal. Consumers may save even more than the discount by buying car insurance from a different company.
• Certain occupations raise car insurance rates – Jobs such as fire fightersairline pilots and dentists usually pay the highest rates in part from stressful work requirements and extremely grueling work hours. On the flip side, jobs such as actors, students and performers have the lowest average rates for Avenger insurance.
• Too many insurance claims will drive premiums up – If you file a lot of claims you can definitely plan on either higher rates or even cancellation. Auto insurance companies generally give lower rates to insureds who are not frequent claim filers. Auto insurance is intended to be relied upon for the large, substantial claims.

Finding auto insurance

When comparison shopping, there are several ways to get quotes from lots of auto insurance companies. The recommended way to find the cheapest 1997 Dodge Avenger insurance rates is simply to get online rate quotes. This can be done in a couple minutes as outlined below.

1. The easiest and least time consuming way to compare a lot of rates at once is an all-inclusive rate comparison click here to open form in new window. This style of form keeps you from doing separate quote forms for each price estimate. Just one form gets you coverage quotes from auto insurance companies with the best prices. Just one form and you’re done.
2. Another way to find lower rates is to take the time to go to each company website and request a quote. For instance, we’ll pretend you are doing a rate comparison from State Farm, Allstate and Geico. You would be required to go to each individual site and type in your information over and over, which is why first method is reommended.

   For a handy list of car insurance company links in your area, click here.

Whichever way you use, make sure you compare nearly identical coverage information with every price quote. If you have different limits and deductibles on each one it will be very difficult to make a fair rate comparison. Just a small difference in coverage limits could skew the results. And when price shopping your coverage, more quotes gives you a better chance of getting the best rates.

Do you qualify for discounts?

Companies offering auto insurance don’t list all available discounts in an easy-to-find place, so the list below gives a summary of some of the best known and the harder-to-find credits available to you.

• Buy New and Save – Insuring a new car can save you some money since new model year vehicles are generally safer.
• Telematics Devices – Drivers that enable driving data collection to scrutinize their driving habits by installing a telematics device like In-Drive from State Farm and Progressive’s Snapshot could possibly reduce rates if they exhibit good driving behavior.
• Own a Home and Save – Simply owning a home can get you a discount because it demonstrates responsibility.
• Renewal Discounts – Select companies give a discount for renewing your policy early. It can save you around 10%.
• Organization Discounts – Joining qualifying employment or professional organizations could trigger savings on your policy.

Just know that most of the big mark downs will not be given the the whole policy. A few only apply to individual premiums such as liability, collision or medical payments. Even though it may seem like you could get a free car insurance policy, insurance companies wouldn’t stay in business.

To choose insurance companies with the best discounts, follow this link.

Don’t assume everyone needs the same insurance coverage

When choosing coverage, there isn’t really a perfect coverage plan. Each situation is unique.

For instance, these questions may help you determine whether you will benefit from professional help.

• What is UM/UIM insurance?
• How can I get my company to pay me more for my totalled car?
• Do I need to file an SR-22 for a DUI in my state?
• Is business property covered if stolen from my car?
• Do I pay less if my vehicle is kept in my garage?
• Can I drive in Mexico and have coverage?

If you can’t answer these questions, then you may want to think about talking to a licensed agent. If you want to speak to an agent in your area, complete this form.

Coverages available on your insurance policy

Understanding the coverages of a insurance policy can be of help when determining the right coverages and proper limits and deductibles. Insurance terms can be impossible to understand and reading a policy is terribly boring.

Liability coverage – Liability insurance can cover damage or injury you incur to other people or property in an accident. It protects YOU against other people’s claims. Liability doesn’t cover damage to your own property or vehicle.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have values of 100/300/100 that means you have $100,000 in coverage for each person’s injuries, a total of $300,000 of bodily injury coverage per accident, and a limit of $100,000 paid for damaged property.

Liability coverage protects against claims like medical expenses, funeral expenses, structural damage, pain and suffering and medical services. The amount of liability coverage you purchase is up to you, but you should buy as large an amount as possible.

Comprehensive (Other than Collision) – This pays for damage caused by mother nature, theft, vandalism and other events. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against things such as hail damage, hitting a bird, damage from a tornado or hurricane and fire damage. The maximum amount a insurance company will pay at claim time 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 – Collision insurance covers damage to your Avenger resulting from colliding with an object or car. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers claims like driving through your garage door, scraping a guard rail, sustaining damage from a pot hole, crashing into a ditch and colliding with another moving vehicle. Collision coverage makes up a good portion of your premium, so you might think about dropping it from older vehicles. Another option is to increase the deductible to get cheaper collision coverage.

Medical expense insurance – Med pay and PIP coverage provide coverage for immediate expenses for things like hospital visits, surgery, pain medications, dental work and X-ray expenses. The coverages can be utilized in addition to your health insurance policy or if you are not covered by health insurance. Coverage applies to all vehicle occupants as well as any family member struck as a pedestrian. Personal Injury Protection is not an option in every state and gives slightly broader coverage than med pay

Protection from uninsured/underinsured drivers – Your UM/UIM coverage protects you and your vehicle when other motorists either have no liability insurance or not enough. This coverage pays for medical payments for you and your occupants as well as your vehicle’s damage.

Since a lot of drivers only purchase the least amount of liability that is required, their limits can quickly be used up. So UM/UIM coverage should not be overlooked.

More choices the merrier

Consumers switch companies for a variety of reasons including questionable increases in premium, an unsatisfactory settlement offer, not issuing a premium refund and even unfair underwriting practices. Regardless of your reason for switching companies, choosing a new insurance company can be easy and end up saving you some money.

As you quote insurance, it’s not a good idea to buy less coverage just to save a little money. In too many instances, consumers will sacrifice physical damage coverage only to regret at claim time that saving that couple of dollars actually costed them tens of thousands. The proper strategy is to purchase plenty of coverage for the lowest cost while still protecting your assets.

Cheaper 1997 Dodge Avenger insurance can be sourced online and from local agencies, and you need to comparison shop both in order to have the best price selection to choose from. Some companies may not provide internet price quotes and usually these regional insurance providers work with independent insurance agents.

Helpful resources

• Air Bags: Potential Dangers to Your Children (Insurance Information Insitute)
• Top Signs Your Brakes are Giving Out (State Farm)
• Neck Injury FAQ (iihs.org)
• What does Personal Injury Protection (PIP) Cover? (Allstate)
• Side Impact Crash Tests (iihs.org)
• Understanding Rental Car Insurance (Insurance Information Insitute)