View 1999 Dodge Avenger Insurance Cost

Pretty sure you bought an expensive car insurance policy? It’s a common feeling and many drivers have buyer’s remorse.

Companies like State Farm, Geico and Farmers Insurance all promote huge savings with advertising and it can be hard to see past the geckos and flying pigs and do the work needed to find the best deal.

Use discounts on car insurance

Companies don’t list every possible discount in an easy-to-find place, so the following list contains a few of the more well known as well as some of the hidden discounts that you may qualify for. If you check and find you aren’t receiving every discount available, you’re just leaving money on the table.

• Accident Waiver – Not a discount per se, but certain companies will forgive one accident before they charge you more for coverage as long as you don’t have any claims for a set time period.
• Smart Student Discounts – Being a good student can get you a discount of up to 25%. Most companies allow this discount up to age 25.
• Membership in Organizations – Having an affiliation with a qualifying organization may earn a discount on your bill.
• Seat Belts Save – Buckling up and requiring all passengers to wear their seat belts can save 10% or more on the medical payments or PIP coverage costs.
• Federal Government Employee – Active or former government employment may reduce rates when you quote insurance for Avenger insurance depending on your company.
• Discount for Life Insurance – Larger insurance companies have a discounted rate on car insurance if you buy some life insurance in addition to your auto policy.
• Accident-Free Discounts – Drivers who stay claim-free get the best car insurance rates when compared with frequent claim filers.
• Military Discounts – Having a family member in the military could trigger a small discount.

Don’t be surprised that most credits do not apply to the entire cost. Most only reduce individual premiums such as comprehensive or collision. Just because you may think all the discounts add up to a free policy, companies don’t profit that way.

Some of the larger companies that may offer quotes with these discounts include:

• Geico
• MetLife
• Progressive
• Travelers
• SAFECO
• AAA

Check with each insurance company which discounts can lower your rates. Savings may not be available in your area.

Low cost car insurance

All the larger car insurance companies make it easy to get coverage prices on their websites. Getting online rates is quite easy as all you need to do is type in the amount of coverage you want into the quote form. When the form is submitted, the quote system sends out for your credit score and driving record and generates pricing information determined by many factors. Quoting online makes it easy to compare insurance prices but the process of having to visit multiple sites and fill out multiple forms is not the best way to spend an afternoon. Unfortunately, it is important to perform this step in order to find the lowest car insurance rates.

Compare rates the easy way

An easier way to lower your rates uses one simple form to return rates from a bunch of companies at once. The form is fast, reduces the work, and makes online price comparison a lot less work. As soon as you send your information, it gets priced and you can select your choice of the resulting price quotes. If the quotes result in lower rates, you simply finish the application and purchase coverage. This process just takes a couple of minutes and may result in a nice savings.

In order to get comparison pricing now, click here to open in new window and begin entering your coverage information. If you currently have coverage, we recommend you replicate the coverage information exactly as they are listed on your policy. This ensures you will get an apples-to-apples comparison for similar insurance coverage.

Tailor your auto insurance coverage to you

When it comes to buying the best auto insurance coverage, there is no perfect coverage plan. Every situation is different so your insurance needs to address that. Here are some questions about coverages that can aid in determining if your situation would benefit from an agent’s advice.

• Do I need motorclub coverage?
• What is UM/UIM insurance?
• Where can I find DUI or SR-22 insurance?
• Is business equipment covered while in my vehicle?
• How does medical payments coverage work?
• What is roadside assistance coverage?
• At what point should I drop full coverage?
• Should I have a commercial auto policy?
• When can my company non-renew my policy?

If you don’t know the answers to these questions, then you may want to think about talking to a licensed agent. To find lower rates from a local agent, complete this form or you can also visit this page to select a carrier

Car insurance coverage information

Having a good grasp of a insurance policy can help you determine the best coverages and proper limits and deductibles. Insurance terms can be difficult to understand and nobody wants to actually read their policy. Below you’ll find the usual coverages found on most insurance policies.

Liability insurance – This protects you from damage that occurs to a person or their property in an accident. This coverage protects you against other people’s claims. Liability doesn’t cover your injuries or vehicle damage.

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 limits of 50/100/50 which means $50,000 bodily injury coverage, a total of $100,000 of bodily injury coverage per accident, and a total limit of $50,000 for damage to vehicles and property.

Liability coverage protects against claims like medical services, bail bonds, legal defense fees and structural damage. How much coverage you buy is up to you, but it’s cheap coverage so purchase higher limits if possible.

Collision coverage – Collision coverage will pay to fix damage to your Avenger caused by collision with another vehicle or an object, but not an animal. You will need to pay your deductible then your collision coverage will kick in.

Collision coverage pays for things such as scraping a guard rail, crashing into a ditch, sustaining damage from a pot hole and colliding with a tree. This coverage can be expensive, so consider dropping it from older vehicles. It’s also possible to bump up the deductible to get cheaper collision coverage.

Uninsured or underinsured coverage – This coverage provides protection from other motorists when they either have no liability insurance or not enough. Covered claims include injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Because many people only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage should not be overlooked.

Medical expense coverage – Coverage for medical payments and/or PIP provide coverage for short-term medical expenses for things like prosthetic devices, pain medications, chiropractic care, EMT expenses and doctor visits. The coverages can be utilized in addition to your health insurance policy or if you lack health insurance entirely. They cover not only the driver but also the vehicle occupants and also covers any family member struck as a pedestrian. Personal Injury Protection is only offered in select states and gives slightly broader coverage than med pay

Comprehensive protection – This coverage pays to fix your vehicle from damage that is not covered by collision coverage. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive insurance covers claims like fire damage, falling objects and damage from flooding. The most you’ll receive from a claim is the market value of your vehicle, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Be Smart and Buy Smart

Some insurance companies do not offer online price quotes and many times these smaller providers only sell through local independent agencies. Cost effective 1999 Dodge Avenger insurance can be purchased from both online companies as well as from insurance agents, and you should compare price quotes from both to have the best rate selection.

You just read a lot of ways to get a better price on 1999 Dodge Avenger insurance. The key concept to understand is the more times you quote, the better your comparison will be. Consumers could even find that the best price on auto insurance is with a small mutual company. Some small companies may have significantly lower prices on certain market segments as compared to the big name companies such as Allstate, Geico and Progressive.

Additional information can be read at the links below

• Frontal Crash Tests (iihs.org)
• Vehicle Insurance in the U.S. (Wikipedia)
• Booster Seat Ratings (iihs.org)
• Liability Insurance Coverage (Nationwide)
• Determing Auto Insurance Rates (Geico)