1998 Dodge Avenger Car Insurance Quotes – 5 Savings Tips

Buyers have lots of choices when searching for the best price on Dodge Avenger insurance. You can either waste hours driving around trying to get quotes or save time using the internet to compare rates. There are both good and bad ways to compare insurance coverage rates so we’re going to tell you the absolute fastest way to price shop coverage on a Dodge and locate the cheapest rates either online or from local insurance agents.

Lower-cost auto insurance rates with discounts

Companies don’t list all their discounts very well, so the next list breaks down both the well known and also the more inconspicuous savings tricks you should be using when you buy insurance coverage online. If you’re not getting every credit you deserve, you could be getting lower rates.

• Seat Belt Discounts – Using a seat belt and requiring all passengers to wear their seat belts may be able to save a few bucks off the PIP or medical payment premium.
• Driver Education Discount – Teen drivers should successfully complete driver’s ed class in school.
• Multiple Vehicles – Drivers who insure multiple cars with one company can reduce rates for all insured vehicles.
• Anti-lock Brake Discount – Cars with anti-lock braking systems prevent accidents and will save you 10% or more.
• Discount for Life Insurance – Some insurance carriers give a break if you buy a life insurance policy as well.

Just know that some credits don’t apply to your bottom line cost. Some only apply to specific coverage prices like collision or personal injury protection. If you do the math and it seems like all those discounts means the company will pay you, insurance companies wouldn’t stay in business.

Larger auto insurance companies and the discounts they provide include:

• Travelers may include discounts for student away at school, new car, driver training, continuous insurance, multi-car, early quote, and save driver.
• 21st Century offers premium reductions for theft prevention, driver training, homeowners, automatic seat belts, good student, and student driver.
• State Farm includes discounts for passive restraint, multiple autos, anti-theft, good student, Drive Safe & Save, driver’s education, and Steer Clear safe driver discount.
• Geico may have discounts that include good student, driver training, anti-theft, anti-lock brakes, multi-policy, emergency military deployment, and federal employee.
• SAFECO has discounts for anti-theft, anti-lock brakes, teen safe driver, accident prevention training, bundle discounts, and homeowner.
• AAA offers discounts including multi-car, pay-in-full, AAA membership discount, anti-theft, and good student.

When getting a coverage quote, ask each company which discounts they offer. Some discounts listed above might not be available to policyholders everywhere.

Tailor your insurance coverage coverage to you

When it comes to choosing coverage, there isn’t really a “best” method to buy coverage. Your needs are not the same as everyone else’s.

For instance, these questions might point out whether you could use an agent’s help.

• Do I need motorclub coverage?
• Should I file a claim if it’s only slightly more than my deductible?
• Where can I get insurance after a DUI in my state?
• What can I do if my company won’t pay a claim?
• Is upholstery damage covered by car insurance?
• Is my ex-spouse still covered by my policy?

If you’re not sure about those questions but one or more may apply to you, you may need to chat with a licensed insurance agent. If you want to speak to an agent in your area, complete this form. It’s fast, doesn’t cost anything and can help protect your family.

But they said I’d save $399 a year!

Consumers constantly see and hear ads for insurance savings from companies such as State Farm, Allstate and Geico. They all seem to make the point about saving some big amount after switching to their company.

How is it plausible that every one can make almost identical claims? It’s all in the numbers.

Companies give the cheapest rates for a prospective insured that is profitable for them. An example of a profitable customer could possibly be over the age of 35, insures multiple vehicles, and drives a lower-performance vehicle. Any driver who matches that profile receive the lowest rate quotes and will most likely save some money.

Potential insureds who are not a match for these standards may be required to pay a higher premium and this results in the driver buying from a lower-cost company. Company advertisements say “people who switch” but not “everyone who gets a quote” will save that much if they switch. This is how companies can truthfully make the claims of big savings. Because of these techniques, you really need to get insurance coverage quotes from several different companies. It is just not possible to predict the company that will have the best prices for your profile.

Auto insurance coverages

Having a good grasp of your policy helps when choosing appropriate coverage and proper limits and deductibles. The terms used in a policy can be impossible to understand and nobody wants to actually read their policy.

Liability coverages

Liability insurance protects you from injuries or damage you cause to people or other property by causing an accident. This coverage protects you from legal claims by others, and does not provide coverage for your own vehicle damage or injuries.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. You might see values of 25/50/25 which stand for a $25,000 limit per person for injuries, a per accident bodily injury limit of $50,000, and a limit of $25,000 paid for damaged property.

Liability coverage protects against things such as emergency aid, court costs, bail bonds and medical services. How much liability should you purchase? That is a decision to put some thought into, but buy higher limits if possible.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle from other drivers when they either have no liability insurance or not enough. It can pay for medical payments for you and your occupants and also any damage incurred to your Dodge Avenger.

Because many people have only the minimum liability required by law, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is very important.

Comprehensive auto coverage

This pays for damage from a wide range of events other than collision. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against things like hitting a deer, rock chips in glass, theft and damage from getting keyed. The maximum payout a auto insurance company will pay at claim time is the cash value of the vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Medical payments and PIP coverage

Personal Injury Protection (PIP) and medical payments coverage reimburse you for bills like rehabilitation expenses, nursing services, X-ray expenses, pain medications and chiropractic care. The coverages can be used to fill the gap from your health insurance policy or if you lack health insurance entirely. Coverage applies to all vehicle occupants and also covers if you are hit as a while walking down the street. PIP coverage is not universally available and gives slightly broader coverage than med pay

Collision protection

Collision coverage covers damage to your Avenger resulting from colliding with a stationary object or other vehicle. You first must pay a deductible then your collision coverage will kick in.

Collision coverage pays for claims such as sustaining damage from a pot hole, colliding with another moving vehicle, rolling your car and hitting a mailbox. Paying for collision coverage can be pricey, so consider removing coverage from older vehicles. You can also choose a higher deductible to bring the cost down.

Be a Smart Shopper

We just showed you a lot of information how to get a better price on 1998 Dodge Avenger insurance. The key concept to understand is the more rate quotes you have, the better chance you’ll have of finding the cheapest insurance coverage. You may even find the lowest premium rates are with a small local company.

As you shop your coverage around, never reduce needed coverages to save money. Too many times, an insured dropped liability coverage limits and learned later they didn’t have enough coverage. The aim is to purchase plenty of coverage at an affordable rate.

Lower-priced insurance can be sourced from both online companies as well as from independent agents, so you should compare both to have the best rate selection. Some insurance companies don’t offer online price quotes and these regional carriers only sell through local independent agents.

Additional information

• Speed and Speed Limit FAQ (iihs.org)
• Young Drivers: The High Risk Years Video (iihs.org)
• Get the Right Protection (InsureUonline.org)
• Distracted Driving (Insurance Information Insitute)
• How to Avoid Common Accidents (State Farm)
• Rental Reimbursement Coverage (Allstate)