2008 Dodge Avenger Insurance Rates

There isn’t anyone who looks forward to paying premiums for car insurance, especially when they are aware that their premiums are through the roof.

You have multiple auto insurance companies to purchase coverage from, and although it’s nice to have a selection, so many choices can make it hard to get the best deal.

Smart consumers take time to compare prices periodically due to the fact that insurance prices are rarely the same from one policy term to another. Even if you got the best rates for Avenger coverage at your last renewal you will most likely find a better premium rate today. Forget all the misinformation about car insurance because you’re going to get a crash course in one of the quickest ways to remove unneeded coverages and save money.

Finding the best rates is quite easy. If you currently have a car insurance policy, you will most likely be able to reduce your rates substantially using these methods. Although vehicle owners must learn how the larger insurance companies price insurance differently and apply this information to your search.

How to compare insurance coverage price quotes

Most major insurance companies such as Geico, State Farm and Progressive allow you to get price estimates on their websites. Getting online quotes is easy for anyone because you just enter the coverages you want on the page. Once you submit the form, the system makes automated requests for credit information and your driving record and returns pricing information based on the information you submitted. This helps simplify price comparisons, but the work required to visit several different sites and fill out multiple forms is repetitive and time-consuming. But it’s also necessary to compare as many rates as possible if you are searching for a lower rate.

A quicker way to find lower prices uses one simple form that gets prices from a bunch of companies at once. It saves time, requires less work, and makes online price comparison much more enjoyable. Immediately after you send the form, it gets priced and you can choose any one of the pricing results. If one or more price quotes are lower than your current rates, you simply finish the application and purchase coverage. The whole process takes just a few minutes to complete and may save quite a bit of money.

In order to get comparison pricing now, click here to open in new window and submit your coverage information. If you have your current policy handy, we recommend you enter the coverage information identical to your current policy. This helps ensure you will get a rate comparison based on identical coverages.

Don’t overlook these insurance coverage discounts

Some insurance providers don’t list the complete list of policy discounts very well, so the list below contains both well-publicized and also the lesser-known ways to save on insurance coverage.

• Lower Rates for Military – Being on active deployment in the military can result in better premium rates.
• 55 and Retired – Older drivers can possibly qualify for lower premium rates for Avenger coverage.
• Safe Drivers – Drivers who avoid accidents can get discounts for up to 45% lower rates for Avenger coverage as compared to drivers with claims.
• Waiver for an Accident – This isn’t a discount exactly, but some companies like Progressive, Allstate, and Geico allow you one accident without getting socked with a rate hike as long as you don’t have any claims prior to the accident.
• Theft Deterent System – Cars and trucks equipped with tracking devices and advanced anti-theft systems are stolen less frequently and earn discounts up to 10% off your car insurance quote.
• Early Switch Discount – Some larger companies reward drivers for renewing your policy prior to your current policy expiration. You can save around 10% with this discount.
• ABS and Traction Control Discounts – Cars, trucks, and SUVs with ABS and/or traction control can stop better under adverse conditions and therefore earn up to a 10% discount.

As a footnote on discounts, most of the big mark downs will not be given to your bottom line cost. Most cut individual premiums such as medical payments or collision. So when it seems like all the discounts add up to a free policy, you won’t be that lucky.

Companies and some of the premium reductions they offer are outlined below.

• State Farm policyholders can earn discounts including Steer Clear safe driver discount, multiple policy, safe vehicle, Drive Safe & Save, and defensive driving training.
• American Family may offer discounts for TimeAway discount, mySafetyValet, early bird, Steer into Savings, good driver, good student, and accident-free.
• Geico has discounts for anti-lock brakes, good student, multi-vehicle, air bags, and anti-theft.
• 21st Century may have discounts that include defensive driver, driver training, air bags, theft prevention, and 55 and older.
• Progressive discounts include continuous coverage, online signing, multi-policy, homeowner, multi-vehicle, good student, and online quote discount.

Check with each insurance company which discounts can lower your rates. Depending on the company, some discounts might not be offered everywhere. To view insurance companies with the best insurance coverage discounts, click here to view.

When to get professional advice

When it comes to choosing the right insurance coverage for your personal vehicles, there isn’t really a best way to insure your cars. Coverage needs to be tailored to your specific needs and your policy should reflect that. For example, these questions may help highlight whether your personal situation may require specific advice.

• Am I insured when driving a different vehicle?
• What are the best liability limits?
• Am I covered if I crash into my own garage door?
• What is medical payments coverage?
• Do I benefit by insuring my home with the same company?
• Is my Dodge Avenger covered if I use it for business?
• Where can I find DUI or SR-22 insurance?
• Why does it cost so much to insure a teen driver?

If you can’t answer these questions but you know they apply to you, then you may want to think about talking to a licensed insurance agent. To find an agent in your area, complete this form or you can go here for a list of companies in your area.

Insurance price influencing factors

One of the most helpful ways to save on insurance is to to have a grasp of the factors that help calculate the level of your policy premiums. If you have a feel for what positively or negatively impacts your premiums, this allows you to make educated decisions that will entitle you to big savings. Lots of factors are taken into consideration when you quote your car insurance policy. Most are fairly basic such as your driving record, but other criteria are less apparent such as your marital status or how financially stable you are.

The list below includes a few of the things insurance companies consider when setting your rates.

• Does your occupation cost you more? – Do you work in a high-stress field? Careers like real estate brokersairline pilots and accountants generally pay higher average rates attributed to intense work requirements and lengthy work days. On the flip side, careers like scientists, students and performers have lower than average premiums for Avenger coverage.
• Always keep your policy in place – Driving without insurance coverage in place is a misdemeanor and your next policy will cost more because you let your insurance coverage expire. In addition to paying higher rates, the inability to provide proof of insurance could earn you a fine, jail time, or a revoked license.
• Do you need those extra coverages? – There are quite a few optional add-on coverages you can purchase on your insurance policy. Things like vanishing deductibles, death and dismemberment, and term life insurance may not be needed and are just wasting money. They may seem good initially, but if you don’t need them think about removing them and cutting costs.
• Raising deductibles lowers prices – Your deductibles are the amount of money you are required to spend out-of-pocket in the event of a claim. Physical damage coverage, also called comprehensive and collision insurance, protects your car from damage. Some instances where coverage would apply are colliding with a stationary object, hail damage, or theft of your vehicle. The more damage repair cost the insured is willing to pay, the better rate you will receive for Avenger coverage.
• Liability coverage limits are a factor – Your insurance policy’s liability coverage is the protection if ever you are found to be at fault for causing personal injury or damage in an accident. Liability provides you with a defense in court to defend your case. It is affordable coverage compared to insuring for physical damage coverage, so drivers should carry high limits.
• Single drivers may get higher costs – Having a wife or husband may save some money on your insurance policy. It demonstrates that you tend to be more mature and responsible and statistics show married drivers get in fewer accidents.
• Rates may be higher where you live – Being located in areas with lower population has definite advantages when shopping for auto insurance. Fewer drivers on the road translates into fewer accident claims and lower theft and vandalism rates. Drivers in populated areas tend to have more aggressive driving styles and higher rates of accident claims. More time behind the wheel statistically corresponds to a higher accident and claim rate.

Car insurance coverage basics

Knowing the specifics of a car insurance policy can be of help when determining which coverages you need and the correct deductibles and limits. The terms used in a policy can be ambiguous and nobody wants to actually read their policy. Shown next are typical coverages found on the average car insurance policy.

Comprehensive coverage – Comprehensive insurance coverage pays for damage that is not covered by collision coverage. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against claims such as hitting a deer, hail damage, hitting a bird, damage from flooding and vandalism. The highest amount a car insurance company will pay at claim time is the ACV or actual cash value, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Medical payments coverage and PIP – Coverage for medical payments and/or PIP pay for bills for doctor visits, rehabilitation expenses, prosthetic devices and pain medications. The coverages can be used to cover expenses not covered by your health insurance policy or if you do not have health coverage. It covers all vehicle occupants as well as any family member struck as a pedestrian. PIP coverage is not available in all states but it provides additional coverages not offered by medical payments coverage

Collision coverage – This covers damage to your Avenger resulting from colliding with a stationary object or other vehicle. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for claims like crashing into a building, hitting a parking meter, colliding with another moving vehicle, driving through your garage door and sideswiping another vehicle. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are older. Another option is to bump up the deductible to save money on collision insurance.

Liability insurance – Liability coverage provides protection from injuries or damage you cause to a person or their property. This insurance protects YOU against other people’s claims. Liability doesn’t cover your injuries or vehicle damage.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see limits of 50/100/50 which stand for $50,000 in coverage for each person’s injuries, a total of $100,000 of bodily injury coverage per accident, and property damage coverage for $50,000.

Liability can pay for claims like funeral expenses, legal defense fees, court costs and attorney fees. How much coverage you buy is up to you, but it’s cheap coverage so purchase higher limits if possible.

Uninsured/Underinsured Motorist coverage – Uninsured or Underinsured Motorist coverage gives you protection from other drivers when they do not carry enough liability coverage. This coverage pays for hospital bills for your injuries as well as your vehicle’s damage.

Because many people have only the minimum liability required by law, their liability coverage can quickly be exhausted. So UM/UIM coverage is important protection for you and your family.

Shop around and save

You just read quite a bit of information on how to compare 2008 Dodge Avenger insurance prices online. It’s most important to understand that the more rate comparisons you have, the better likelihood of getting inexpensive car insurance. You may even discover the lowest prices are with the smaller companies. Some small companies can often insure niche markets at a lower cost than the large multi-state companies such as State Farm, Geico and Nationwide.

Some insurance providers may not offer price quotes online and usually these smaller companies sell through independent agents. Discount 2008 Dodge Avenger insurance can be found online as well as from independent agents, and you should compare price quotes from both so you have a total pricing picture.

Much more information about auto insurance is located on the following sites:

• Auto Insurance 101 (About.com)
• Neck Injury FAQ (iihs.org)
• Coverage Information (Progressive Insurance)
• Credit and Insurance Scores (Insurance Information Insitute)