How Much Does 2009 Dodge Avenger Insurance Cost?

Want the cheapest insurance rates for your Dodge Avenger? Trying to find the cheapest insurance for a new or used Dodge Avenger can normally be a lot of work, but you can learn these tips to save time. There are more efficient ways to buy insurance and you need to know the best way to price shop coverage for a Dodge and locate the cheapest rates from both online companies and local agents.

How to lower your insurance premiums

Consumers need to have an understanding of some of the things that help calculate the price you pay for auto insurance. If you have some idea of what influences your rates, this enables you to make decisions that could help you find cheaper rates.

• Vehicles with better crash test results cost less to insure – Cars with high safety ratings tend to have lower insurance rates. Vehicles built for safety have better occupant injury protection and fewer injuries translates directly to fewer claims and thus lower rates. If your Dodge Avenger has at least four stars on Safercar.gov or an “acceptable” rating on iihs.org you may qualify for a discount.
• Save money with good credit – Having a bad credit score will be a significant factor in determining what you pay for auto insurance. So if your credit score is lower than you’d like, you could potentially save money when insuring your 2009 Dodge Avenger by repairing your credit. Drivers with high credit ratings tend to be more responsible and file fewer claims than drivers who have bad credit.
• Gender is a factor – Over the last 50 years, statistics have shown women are more cautious behind the wheel. However, this does not mean females are better at driving than males. Both sexes cause auto accidents at a similar rate, but the male of the species tend to have higher claims. Not only that, but men also get higher numbers of serious violations such as driving while intoxicated (DWI) or driving recklessly.
• Insurance rates for married couples – Having a significant other helps lower the price when shopping for auto insurance. Having a spouse means you’re more mature than a single person and it’s proven that married drivers tend to file fewer claims.
• Low comp and collision deductibles can be expensive – Your deductibles define how much you are willing to pay out-of-pocket if a covered claim is submitted. Coverage for physical damage, also called comprehensive and collision insurance, is used to repair damage to your car. A few examples of covered claims could be colliding with a stationary object, damage from fire, and damage caused by road hazards. The higher the amount the insured is willing to pay, the less your company will charge you for insurance on Avenger insurance.
• File auto insurance claims and pay more – Insurance companies award better rates to people who do not rely on their insurance for small claims. If you’re an insured who likes to file claims you can definitely plan on higher rates. Insurance coverage is designed for more catestrophic claims.
• High premiums for teenage drivers – More mature drivers are viewed as being more responsible, cost insurance companies less in claims and receive fewer citations.Youthful drivers have a tendency to be more careless with other occupants in the car so auto insurance rates are higher.
• Insure your auto and home with one company – Lots of insurance companies apply a discount to customers that purchase more than one policy in the form of a multi-policy discount. Even though this discount sounds good, consumers should still compare rates to help guarantee you have the best rates.

Double check you’re getting with these discounts

The price of auto insurance can be rather high, but you might already qualify for some discounts that can help lower your rates. Some discounts apply automatically at the time you complete a quote, but some must be asked about before you will receive the discount. If you do not double check each discount you deserve, you’re paying more than you need to.

• Mature Driver Discount – If you’re over the age of 55, you may qualify for a discount up to 10% on Avenger insurance.
• Waiver for an Accident – This isn’t a discount exactly, but a few companies such as Libery Mutual, Geico and Allstate will let one accident slide before they charge you more for coverage so long as you are claim-free for a particular time prior to the accident.
• Discount for Good Grades – A discount for being a good student may save you up to 25%. You can use this discount normally well after school through age 25.
• Lower Rates for Military – Being on active duty in the military could mean lower insurance rates.
• Student Driver Training – Teen drivers should complete a driver education course as it can save substantially.
• Home Ownership Discount – Being a homeowner can save you money because of the fact that having a home shows financial diligence.
• Low Mileage Discounts – Low mileage vehicles may allow you to get better prices on cars that stay parked.
• Claim-Free Discount – Drivers who stay claim-free have much lower rates in comparison to frequent claim filers.
• ABS and Traction Control Discounts – Cars and trucks with anti-lock braking systems can avoid accidents so companies give up to a 10% discount.
• Cautious Driver Discount – Safe drivers can save as much as half off their rates on Avenger insurance than their less cautious counterparts.

A quick disclaimer, some credits don’t apply to the entire cost. A few only apply to the cost of specific coverages such as liability, collision or medical payments. So even though you would think you would end up receiving a 100% discount, it doesn’t quite work that way.

Large insurance companies and a summarized list of policyholder discounts are shown below.

• American Family offers discounts including multi-vehicle, early bird, good student, air bags, TimeAway discount, accident-free, and mySafetyValet.
• State Farm offers premium reductions for student away at school, Drive Safe & Save, Steer Clear safe driver discount, good student, and anti-theft.
• 21st Century offers discounts for homeowners, early bird, driver training, good student, 55 and older, and theft prevention.
• Travelers policyholders can earn discounts including driver training, continuous insurance, home ownership, new car, save driver, IntelliDrive, and early quote.
• Geico includes discounts for five-year accident-free, daytime running lights, driver training, multi-policy, emergency military deployment, membership and employees, and seat belt use.

When quoting, ask each company which discounts can lower your rates. Some discounts might not be available to policyholders in your area. To find insurance companies that offer some of these discounts, click here.

Ads can be misleading

Consumers can’t avoid all the ads for car insurance savings from the likes of Progressive, Geico, Allstate and State Farm. All the ads have a common claim that people will save if you change your car insurance coverage to their company.

How is it possible that every company can charge you less for auto insurance? It’s all in the wording.

Companies require specific criteria for the type of driver they prefer to insure. A good example of this type of driver might be described as over the age of 35, has other policies, and drives less than 10,000 miles a year. Any customer that meets those criteria receives the best rates and as a result will probably save quite a bit of money when switching.

Consumers who cannot meet those standards will be quoted higher prices and this results in the customer buying from someone else. If you pay attention, the ads say “people who switch” but not “everyone who gets a quote” save that much. That is how companies can make those claims. This really emphasizes why you really need to get car insurance quotes from several different companies. It’s just too difficult to predict with any certainty which company will have the best auto insurance rates at this point in time.

Your situation helps dictate your coverage

When it comes to choosing adequate coverage for your vehicles, there is no cookie cutter policy. Everyone’s situation is a little different.

These are some specific questions may help highlight if your insurance needs will benefit from professional help.

• Does my car insurance cover rental cars?
• How high should my medical payments coverage be?
• Is my vehicle covered by my employer’s policy when using it for work?
• Do I need more liability coverage?
• Can I drive in Mexico and have coverage?
• Am I covered if I crash into my own garage door?
• Can I afford to pay high deductible claims out of pocket?
• Will my insurance pay for OEM parts?
• I have a DUI can I still get coverage?
• Does my insurance cover a custom paint job?

If you can’t answer these questions but one or more may apply to you, then you may want to think about talking to a licensed insurance agent. To find an agent in your area, simply complete this short form. It only takes a few minutes and may give you better protection.

Insurance coverage breakdown

Understanding the coverages of insurance aids in choosing the right coverages and the correct deductibles and limits. Policy terminology can be confusing and nobody wants to actually read their policy.

UM/UIM Coverage

This protects you and your vehicle when other motorists do not carry enough liability coverage. Covered losses include injuries to you and your family and also any damage incurred to your Dodge Avenger.

Because many people only purchase the least amount of liability that is required, their limits can quickly be used up. For this reason, having high UM/UIM coverages is important protection for you and your family.

Collision coverage protection

Collision coverage will pay to fix damage to your Avenger resulting from colliding with a stationary object or other vehicle. A deductible applies and then insurance will cover the remainder.

Collision coverage protects against claims like driving through your garage door, sideswiping another vehicle and hitting a parking meter. This coverage can be expensive, so you might think about dropping it from lower value vehicles. It’s also possible to choose a higher deductible to save money on collision insurance.

Comprehensive or Other Than Collision

Comprehensive insurance coverage pays for damage caused by mother nature, theft, vandalism and other events. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against claims like damage from flooding, a tree branch falling on your vehicle, damage from getting keyed and vandalism. The maximum payout you can receive from a comprehensive claim is the market value of your vehicle, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Medical costs insurance

Medical payments and Personal Injury Protection insurance kick in for immediate expenses like nursing services, ambulance fees and surgery. They are often used to fill the gap from your health insurance program or if there is no health insurance coverage. They cover all vehicle occupants and also covers being hit by a car walking across the street. PIP coverage is not available in all states and may carry a deductible

Liability car insurance

Liability insurance provides protection from damages or injuries you inflict on a person or their property that is your fault. This insurance protects YOU against claims from other people, and doesn’t cover damage to your own property or vehicle.

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

Liability coverage pays for things such as emergency aid, bail bonds, attorney fees and court costs. How much liability should you purchase? That is a personal decision, but consider buying as large an amount as possible.

More effort can pay off

Cost effective 2009 Dodge Avenger insurance is possible on the web and from local insurance agents, so you need to shop car insurance with both to have the best rate selection. Some companies may not offer online quoting and many times these smaller companies only sell coverage through independent insurance agents.

We just presented a lot of ways to reduce 2009 Dodge Avenger insurance car insurance rates online. The most important thing to understand is the more providers you compare, the more likely it is that you will get a better rate. Drivers may discover the biggest savings come from some of the smallest insurance companies.

While you’re price shopping online, make sure you don’t skimp on coverage in order to save money. There have been many cases where someone dropped uninsured motorist or liability limits and learned later they didn’t have enough coverage. Your objective should be to purchase a proper amount of coverage for the lowest cost, but do not skimp to save money.

Much more information about auto insurance can be read below:

• Insuring a Leased Car (Insurance Information Insitute)
• Vehicle Size and Weight FAQ (iihs.org)
• Credit Impacts Car Insurance Rates (State Farm)
• Side Impact Crash Tests (iihs.org)
• Air Bags: Potential Dangers to Your Children (Insurance Information Insitute)