Cheaper 2011 Dodge Avenger Car Insurance Quotes

Buyers have lots of choices when searching for low-cost Dodge Avenger insurance. They can either waste time driving around to compare prices or save time using the internet to find the lowest rates. There is a better way to buy car insurance so we’re going to tell you the absolute fastest way to price shop coverage for your Dodge and locate the best price possible from local insurance agents and online providers.

Smart consumers take time to compare rates every six months because rates are adjusted regularly by insurance companies. Despite the fact that you may have had the lowest premium rates on Avenger coverage on your last policy other companies may now be cheaper. You can find a lot of misleading information regarding car insurance on the internet, but in just a couple of minutes you can learn some great ways to lower your car insurance bill.

If you have a current auto insurance policy or are looking for a new policy, you can learn to get lower rates and still get good coverage. This article will introduce you to the most effective way to quote insurance and some tips to save money. Drivers just need to understand the tricks to compare prices online.

How do car insurance companies determine Dodge Avenger insurance premiums?

Part of the auto insurance buying process is learning the different types of things that aid in calculating the level of your policy premiums. When you understand what influences your rates, this helps enable you to make changes that will entitle you to lower rates.

• Rates increase with driving citations – Getting just one speeding ticket or other violation could increase your next policy renewal to the point where it’s not affordable. Good drivers pay less for auto insurance as compared to careless drivers. Drivers who have received serious violations like reckless driving or DUI are required to file a proof of financial responsibility form (SR-22) with their state’s licensing department in order to prevent a license revocation.
• Females tend to cost less – Statistics demonstrate women are more cautious behind the wheel. Now that doesn’t mean women are better drivers. Both genders get in fender benders at a similar rate, but the male of the species cause more damage and cost insurance companies more money. Men also statistically get more serious tickets like driving under the influence (DUI). Young men ages 16 to 20 tend to get in the most accidents and are penalized with high auto insurance rates.
• Married drivers pay lower premiums – Having a significant other may earn you lower rates on your auto insurance policy. Having a significant other means you’re less irresponsible and it’s statistically proven that being married results in fewer claims.
• Liability insurance is peace of mind – A critical coverage on your policy, liability insurance provides coverage when you are ruled to be at fault for physical damage or personal injury to other. It provides legal defense up to the limits shown on your policy. Liability is cheap when compared with rates for comp and collision, so drivers should carry high limits.
• Only buy what you need – There are a ton of extra bells and whistles that you can buy when buying auto insurance. Coverages like coverage for rental cars, towing, and membership fees are probably not needed. They may sound like good ideas at first, but now you might not need them so get rid of them and save.

Buy insurance online

Most major insurance companies such as 21st Century, Allstate and State Farm allow consumers to get prices from their websites. Obtaining pricing doesn’t take a lot of time because it’s just a matter of typing in the amount of coverage you want into the quote form. Behind the scenes, the company’s rating system will order reports for credit and driving violations and returns a price based on these and other factors.

This makes it simple to compare prices but the time required to go to many different websites and enter the same data into a form can be a bit tiresome and repetitive. But it’s absolutely necessary to get many rate quotes if you are searching for a better rate.

The preferred way to compare rates requires only one form to return rates from more than one company. It’s a real time-saver, reduces the work, and makes rate comparisons much more efficient. As soon as you send your information, your coverage is rated and you can choose any or none of the quotes that you receive. If one or more price quotes are lower than your current rates, you can simply submit the application and buy the policy. The entire process only takes a few minutes and could lower your rates considerably.

To quickly get comparison pricing now, click here to open in new window and fill out the form. If you have a policy now, it’s recommended you duplicate deductibles and limits identical to your current policy. This helps ensure you’re receiving an apples-to-apples comparison using the exact same coverages.

Don’t be fooled by advertising claims

Consumers can’t get away from ads that claim the lowest rates by companies like 21st Century, Allstate and State Farm. They all seem to try to convey promises that drivers will save a bundle if you change your policy.

Is it even possible that every company can claim to save you money? You have to listen carefully.

Insurance companies have an ideal profile for the type of insured that makes them money. An example of a desirable insured could be between the ages of 30 and 45, has had continuous coverage, and drives less than 5,000 miles a year. Any customer that meets those criteria will get the preferred premium rates and will most likely save if they switch.

Insureds who may not quite match the “perfect” profile may be required to pay more expensive rates and the customer not buying. Company advertisements say “drivers who switch” but not “all drivers who get quotes” save that much when switching. This is how insurance companies can make those claims. Because of the profiling, it is so important to get as many free insurance quotes as possible. It is impossible to predict the company that will have the lowest rates.

Discounts can really help lower premiums

Insuring your vehicles can cost a lot, but there may be some discounts that can help lower your rates. A few discounts will be applied at the time of purchase, but less common discounts must be requested specifically before you get the savings. If you don’t get every credit available, you may be paying too high a price.

• 55 and Retired – Drivers over the age of 55 could receive a slight reduction on a insurance quote on Avenger coverage.
• Discounts for Seat Belt Usage – Drivers who always wear seat belts and also require passengers to fasten their seat belts can save a little off the personal injury premium cost.
• Homeowners Discount – Owning a home can help you save on car insurance since owning and maintaining a home requires personal responsibility.
• Government Employee Discount – Simply working for the federal government could cut as much as 10% off on Avenger coverage depending on your company.
• Early Signing – A few companies offer discounts for buying a policy before your current policy expires. You can save around 10% with this discount.
• Discount for Multiple Policies – If you can combine your auto and home policy with the same insurance company you may save nearly 15% which can help you find low cost insurance.
• College Student – Kids who are attending college and won’t have access to an insured vehicle can receive lower rates.

You should keep in mind that most credits do not apply the the whole policy. Most cut individual premiums such as comprehensive or collision. Despite the appearance that you would end up receiving a 100% discount, companies wouldn’t make money that way.

Insurance companies who may offer some of the discounts shown above may include but are not limited to:

• American Family
• State Farm
• 21st Century
• Travelers
• Geico

If you need the cheapest insurance quotes, ask every prospective company which discounts can lower your rates. Savings might not be offered on policies in your state. If you would like to choose from a list of providers that offer multiple discounts, click here.

Will just any policy work for me?

When it comes to buying the best insurance coverage, there really is not a “perfect” insurance plan. Each situation is unique.

Here are some questions about coverages that might point out if your insurance needs could use an agent’s help.

• Will I lose any money if I cancel my policy before it expires?
• Should I buy only the required minimum liability coverage?
• Do I need rental car coverage?
• Is my trailer covered?
• Are rental cars covered under my policy?
• Am I covered if I drive in a foreign country?
• Is rental equipment covered for theft or damage?
• When can my company non-renew my policy?
• Should I sign the liability waiver when renting a car?

If you don’t know the answers to these questions but a few of them apply, you may need to chat with a licensed agent. To find lower rates from a local agent, fill out this quick form. It only takes a few minutes and can help protect your family.

Coverages available on your auto insurance policy

Knowing the specifics of your auto insurance policy aids in choosing appropriate coverage and the correct deductibles and limits. The coverage terms in a policy can be difficult to understand and even agents have difficulty translating policy wording.

Auto collision coverage

This coverage pays to fix your vehicle from damage resulting from colliding with another car or object. You have to pay a deductible and then insurance will cover the remainder.

Collision coverage protects against things like scraping a guard rail, driving through your garage door, rolling your car, colliding with another moving vehicle and backing into a parked car. Collision is rather expensive coverage, so consider dropping it from older vehicles. You can also bump up the deductible to save money on collision insurance.

Protection from uninsured/underinsured drivers

Uninsured or Underinsured Motorist coverage gives you protection when other motorists are uninsured or don’t have enough coverage. Covered claims include injuries sustained by your vehicle’s occupants as well as damage to your Dodge Avenger.

Because many people carry very low liability coverage limits, their limits can quickly be used up. So UM/UIM coverage is a good idea.

Medical expense insurance

Med pay and PIP coverage reimburse you for expenses for doctor visits, prosthetic devices and rehabilitation expenses. They are used to fill the gap from your health insurance program or if you do not have health coverage. They cover you and your occupants and also covers being hit by a car walking across the street. Personal injury protection coverage is not available in all states and gives slightly broader coverage than med pay

Comprehensive (Other than Collision)

Comprehensive insurance coverage pays for damage OTHER than collision with another vehicle or object. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against claims such as falling objects, a tree branch falling on your vehicle, rock chips in glass and vandalism. The highest amount you’ll receive from a claim is the actual cash value, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Liability coverage

Liability coverage protects you from damage or injury you incur to people or other property that is your fault. It protects YOU from claims by other people. It does not cover damage to your own property or vehicle.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have policy limits of 50/100/50 that translate to a $50,000 limit per person for injuries, a limit of $100,000 in injury protection per accident, and $50,000 of coverage for damaged propery.

Liability coverage protects against things such as repair bills for other people’s vehicles, loss of income, repair costs for stationary objects, funeral expenses and court costs. How much liability should you purchase? That is your choice, but it’s cheap coverage so purchase as large an amount as possible.

Be a smart shopper

Insureds change insurance companies for a variety of reasons including lack of trust in their agent, high rates after DUI convictions, policy non-renewal and being labeled a high risk driver. Regardless of your reason, finding a great new company is not as difficult as it may seem.

When you buy insurance online, never skimp on coverage in order to save money. In many cases, someone dropped physical damage coverage to discover at claim time that saving that couple of dollars actually costed them tens of thousands. Your goal should be to buy enough coverage for the lowest cost.

Budget-conscious 2011 Dodge Avenger insurance is definitely available both online as well as from insurance agents, so you should be comparing quotes from both to have the best rate selection. Some insurance companies may not provide the ability to get a quote online and usually these small insurance companies work with independent agencies.

Additional detailed information can be read by following these links:

• Steps to Take After an Auto Accident (Insurance Information Insitute)
• Safety Belts FAQ (iihs.org)
• Prepare your Teens for Safe Driving (InsureUonline.org)
• Determing Auto Insurance Rates (Geico)
• Tread Depth and Tire Safety (State Farm)