2010 Dodge Avenger Insurance Rates – 6 Tips to Save

Overpriced car insurance can dry up your savings account, especially in this economy. Shopping your coverage around is free, only takes a few minutes, and is a good way to reduce premiums and put more money in your pocket.

Big-name insurance companies like Progressive, State Farm and Geico constantly blast consumers with ad campaigns and it is difficult to ignore the flashy ads and find the best price available.

You should take the time to take a look at other company’s rates before your policy renews because prices change regularly. Despite the fact that you may have had the best deal on Avenger insurance six months ago a different company probably has better rates today. Forget all the misinformation about car insurance because you’re about to find out how to use online quotes to save money, get proper deductibles and limits, all at the lowest rate.

If you currently have car insurance, you will be able to save some money using this strategy. Buying car insurance is not rocket science. Although drivers need to have an understanding of how insurance companies sell online.

Insurance coverage policy discounts

Companies don’t always advertise the complete list of policy discounts very clearly, so here is a list a few of the more well known and the harder-to-find credits available to lower your premiums when you buy car insurance online.

• Government Employee Discount – Having worked for a branch of the government may reduce rates when you quote car insurance on Avenger insurance with a few insurance coverage companies.
• Anti-lock Brake System – Cars, trucks, and SUVs with ABS and/or traction control can stop better under adverse conditions so you can save 10 percent or more.
• Active Service Discounts – Having an actively deployed family member could qualify you for better premium rates.
• Accident Free – Drivers who don’t have accidents are rewarded with significantly better rates on car insurance quote as compared to accident-prone drivers.
• Savings for New Vehicles – Putting insurance on a new car can get you a discount because new model year vehicles are generally safer.
• Driver’s Ed – Have your child enroll and complete driver’s education if it’s offered in school.

Don’t be shocked that most discounts do not apply to the entire cost. Some only reduce the price of certain insurance coverages like comprehensive or collision. Just because you may think all those discounts means the company will pay you, you won’t be that lucky.

Companies that may offer policyholders these money-saving discounts include:

• Geico
• MetLife
• State Farm
• Progressive
• Mercury Insurance
• 21st Century
• Allstate

It’s a good idea to ask each insurance company which discounts you qualify for. Discounts may not apply to policies in your state.

How do I know if I need professional advice?

When buying the right insurance coverage for your personal vehicles, there really is not a “perfect” insurance plan. Each situation is unique so your insurance needs to address that. For example, these questions may help highlight whether you would benefit from professional advice.

• What vehicles should carry emergency assistance coverage?
• When would I need additional glass coverage?
• Should I waive the damage coverage when renting a car?
• Do I need special endorsements for business use of my vehicle?
• Does my insurance cover a custom paint job?
• Can I afford low physical damage deductibles?
• Does my policy cover my teen driver if they drive my company car?

If it’s difficult to answer those questions but one or more may apply to you, you may need to chat with a licensed insurance agent. If you don’t have a local agent, complete this form or you can go here for a list of companies in your area.

Auto insurance 101

Understanding the coverages of a auto insurance policy helps when choosing which coverages you need and the correct deductibles and limits. The terms used in a policy can be impossible to understand and reading a policy is terribly boring. These are the usual coverages available from auto insurance companies.

Coverage for collisions

This coverage pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. A deductible applies then the remaining damage will be paid by your insurance company.

Collision coverage protects against things like crashing into a ditch, sideswiping another vehicle and backing into a parked car. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from lower value vehicles. Drivers also have the option to increase the deductible to save money on collision insurance.

Comprehensive coverages

Comprehensive insurance covers damage from a wide range of events other than collision. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for things such as a tree branch falling on your vehicle, hitting a deer, hail damage and damage from flooding. The highest amount you’ll receive from a claim is the market value of your vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.

Uninsured and underinsured coverage

This coverage protects you and your vehicle’s occupants when other motorists do not carry enough liability coverage. This coverage pays for injuries to you and your family and damage to your Dodge Avenger.

Due to the fact that many drivers have only the minimum liability required by law, their limits can quickly be used up. So UM/UIM coverage is important protection for you and your family.

Liability auto insurance

Liability insurance can cover injuries or damage you cause to other people or property. This coverage protects you against other people’s claims, and doesn’t cover your injuries or vehicle damage.

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 that translate to $100,000 bodily injury coverage, a per accident bodily injury limit of $300,000, and property damage coverage for $100,000.

Liability coverage pays for claims like repair costs for stationary objects, attorney fees and repair bills for other people’s vehicles. How much coverage you buy is a decision to put some thought into, but you should buy as high a limit as you can afford.

Coverage for medical payments

Personal Injury Protection (PIP) and medical payments coverage kick in for immediate expenses such as X-ray expenses, rehabilitation expenses, pain medications, prosthetic devices and ambulance fees. The coverages can be used to cover expenses not covered by your health insurance program or if you do not have health coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants in addition to if you are hit as a while walking down the street. PIP is not universally available but can be used in place of medical payments coverage

More quotes. Lower rates.

When shopping online for car insurance, it’s very important that you do not reduce coverage to reduce premium. There are many occasions where an insured dropped collision coverage and discovered at claim time that it was a big error on their part. Your focus should be to buy a smart amount of coverage at the best possible price but still have enough coverage for asset protection.

We’ve covered some good ideas how to compare 2010 Dodge Avenger insurance auto insurance rates online. It’s most important to understand that the more price quotes you have, the better your comparison will be. You may be surprised to find that the most savings is with the least-expected company. Smaller companies may often insure only within specific states and give getter rates compared to the large companies like State Farm or Progressive.

Additional articles

• Should I Purchase an Umbrella Liability Policy? (Insurance Information Insitute)
• Reducing Your Risks in a Car Crash Video (iihs.org)
• What is Gap Insurance? (Insurance Information Insitute)
• Teen Driving Statistics (Geico)