Cheaper 2000 Dodge Avenger Insurance Quotes

Searching for better insurance rates for your Dodge Avenger? Having to pay for overpriced Dodge Avenger insurance can deplete your family’s budget and possibly require postponing other expenditures. Comparing rates annually is free, only takes a few minutes, and is a good way to lower your monthly bill.

Online insurance companies like Allstate and Progressive continually hit you with ad campaigns and consumers find it hard to separate fact from fiction and find the best price available.

Affordable auto insurance rates with discounts

The price of auto insurance can be rather high, but you might find some hidden discounts to help bring down the price. Many discounts should be triggered when you complete an application, but less common discounts must be inquired about in order for you to get them. If you check and find you aren’t receiving every discount possible, you are paying more than you should be.

• Mature Driver Discount – Mature drivers can get a small decrease in premiums on Avenger coverage.
• Seat Belts Save – Drivers who always wear seat belts and also require passengers to wear their seat belts can save a little off PIP or medical payments premium.
• Bundled Policy Discount – If you can bundle your homeowners and auto insurance and place coverage with the same company you will save approximately 10% to 15%.
• Include Life Insurance and Save – Not every insurance company offers life insurance, but if they do you may earn a lower rate if you buy some life insurance too.
• Multi-Vehicle Discounts – Drivers who insure primary and secondary vehicles with the same company can get a discount for every vehicle.
• Paperless Signup – A handful of companies may give you up to $50 for buying your policy on your computer.
• ABS Braking Discount – Cars with anti-lock braking systems can reduce accidents and earn discounts up to 10%.
• Own a Home – Owning your own home or condo can help you save on auto insurance since home ownership shows financial diligence.

Discounts lower rates, but some of the credits will not apply to your bottom line cost. Most only cut specific coverage prices like medical payments or collision. So despite the fact that it appears having all the discounts means you get insurance for free, you’re out of luck.

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

Compare insurance rates

Effectively comparing insurance prices can be exhausting if you don’t know the fastest way to get free quotes. You can waste a lot of time discussing policy coverages with insurance agencies in your area, or you can stay home and use online quoting to quickly compare rates.

Most of the best insurance companies participate in a marketplace where insurance shoppers submit their information once, and each participating company then gives them pricing based on the submitted data. This system prevents you from having to do quote requests to every company.

To submit your quote information now, click here to start a free quote.

The only downside to using this type of form is buyers cannot specifically choose which insurance companies you will receive quotes from. So if you prefer to choose from a list of companies to compare, we have assembled a list of companies who write insurance in your area. Click here to view list.

The method you choose is up to you, but be sure you’re using equivalent coverages and limits on every quote. If each company quotes unequal deductibles or liability limits it will be impossible to determine which company has the best rates.

Smart consumers can lower their insurance rates

Many factors are considered when you quote your car insurance policy. Some are obvious like a motor vehicle report, but other criteria are less apparent like your vehicle usage and annual miles driven.

The following are some of the factors used by your company to calculate rates.

• With age comes responsibility – More mature drivers have been proven to be more responsible, tend to cause fewer accidents .Young drivers are statistically shown to be more careless with other occupants in the car therefore car insurance rates are much higher.
• Your location is important – Living in small towns and rural areas is a good thing when trying to find low car insurance rates. Residents of big cities regularly have congested traffic and longer commutes to work. Less people means less chance of accidents and lower theft and vandalism rates.
• Insurance companies don’t like frequent car insurance claims – If you file a lot of claims you shouldn’t be surprised to get increased rates or even have your policy non-renewed. Insurance companies provide the lowest premiums to insureds who are not frequent claim filers. Your car insurance is designed for more catestrophic claims.
• Premiums impacted by vehicle usage – The more miles you rack up on your Dodge in a year the more it will cost to insure it. Almost all companies apply a rate determined by how the vehicle is used. Cars and trucks that sit idle most of the time can get a lower rate than those used for commuting. Make sure your policy correctly shows how each vehicle is driven, because improper ratings can cost you money. An improperly rated Avenger may be wasting your money.
• Lower premiums for cars with good safety ratings – Vehicles that have high safety ratings tend to have lower insurance rates. Vehicles built for safety protect occupants better and fewer injuries means less claims paid and thus lower rates. If your Dodge scored better than an “acceptable” rating on the Insurance Institute for Highway Safety website you are probably receiving a discount.

Tailor your insurance coverage to you

When it comes to buying adequate coverage, there really is no one size fits all plan. Coverage needs to be tailored to your specific needs and your policy should reflect that. Here are some questions about coverages that may help you determine if you may require specific advice.

• Can my teen drive my company car?
• Do I pay less for low miles?
• Should I drop comprehensive coverage on older vehicles?
• Do I have coverage for damage caused while driving under the influence?
• Why am I required to buy liability insurance?
• How much liability insurance is required?
• Do I benefit by insuring my home with the same company?
• When should I drop full coverage on my 2000 Dodge Avenger?
• Does my 2000 Dodge Avenger qualify for pleasure use?
• Does insurance cover tools stolen from my truck?

If it’s difficult to answer those questions, you might consider talking to an agent. If you want to speak to an agent in your area, take a second and complete this form or click here for a list of insurance companies in your area. It’s fast, doesn’t cost anything and may give you better protection.

Specific coverages for a 2000 Dodge Avenger

Knowing the specifics of a auto insurance policy helps when choosing which coverages you need and proper limits and deductibles. Auto insurance terms can be confusing and even agents have difficulty translating policy wording. These are typical coverages available from auto insurance companies.

Medical expense insurance – Personal Injury Protection (PIP) and medical payments coverage pay for immediate expenses such as nursing services, doctor visits and EMT expenses. The coverages can be used in conjunction with a health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover all vehicle occupants in addition to if you are hit as a while walking down the street. PIP coverage is not available in all states but can be used in place of medical payments coverage

Collision coverage – Collision insurance pays to fix your vehicle from damage resulting from a collision with a stationary object or other vehicle. You have to pay a deductible then your collision coverage will kick in.

Collision insurance covers things such as crashing into a building, sustaining damage from a pot hole, hitting a parking meter and driving through your garage door. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Drivers also have the option to choose a higher deductible to get cheaper collision coverage.

Protection from uninsured/underinsured drivers – This provides protection when the “other guys” are uninsured or don’t have enough coverage. It can pay for injuries to you and your family as well as damage to your Dodge Avenger.

Since a lot of drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is a good idea.

Liability insurance – This coverage provides protection from injuries or damage you cause to other’s property or people in an accident. This insurance protects YOU from claims by other people, and does not provide coverage for your own vehicle damage or injuries.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. You might see liability limits of 100/300/100 which stand for $100,000 in coverage for each person’s injuries, $300,000 for the entire accident, and a limit of $100,000 paid for damaged property.

Liability coverage pays for things like medical services, legal defense fees and repair costs for stationary objects. How much coverage you buy is your choice, but consider buying as high a limit as you can afford.

Comprehensive (Other than Collision) – Comprehensive insurance coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive coverage pays for things such as damage from getting keyed, a tree branch falling on your vehicle, hitting a deer, a broken windshield and damage from a tornado or hurricane. The maximum amount a auto insurance company will pay at claim time is the market value of your vehicle, so if it’s not worth much more than your deductible consider dropping full coverage.

Buy Smart and Save

As you prepare to switch companies, make sure you don’t buy less coverage just to save a little money. There have been many cases where an insured cut physical damage coverage only to find out that the savings was not a smart move. Your strategy should be to purchase a proper amount of coverage at a price you can afford, but do not sacrifice coverage to save money.

There are still a few companies who don’t offer rates over the internet and these small insurance companies work with independent insurance agents. Cost effective 2000 Dodge Avenger insurance is possible on the web as well as from independent agents, and you should compare price quotes from both so you have a total pricing picture.

More information can be read at these links:

• Alcohol Impaired Driving FAQ (iihs.org)
• Teen Driver Statistics (Insurance Information Insitute)
• Car Insurance for Teen Drivers with Divorced Parents (Allstate)
• Car Insurance FAQ (Trusted Choice)
• Help Your Teen Be a Better Driver (State Farm)