View 2012 Dodge Avenger Car Insurance Cost

Trying to find the cheapest insurance coverage rates for your Dodge Avenger? Comparison shopping for more affordable Driversinsurance coverage may be a challenge for drivers who are new to online insurance quotes. Consumers have so many choices that it can quickly become a ton of work to find a cheaper company.

Reduce insurance rates with these tips

Multiple criteria are used when premium rates are determined. A few of the factors are predictable such as your driving history, but some are more transparent like your continuous coverage or how safe your car is.

The items below are some of the major factors that factor into rates.

• Consider raising deductibles – Physical damage coverage, commonly called comprehensive (or other-than-collision) and collision coverage, helps pay for damage to your vehicle. A few examples of covered claims are colliding with a building, damage caused by hail, and damage from a fallen tree branch. Comprehensive and collision coverage deductibles tell how much you are willing to pay before your insurance coverage pays a claim. The more damage repair cost you choose to pay out-of-pocket, the lower your rates will be for Avenger insurance.
• Marriage is a factor – Getting married helps lower the price compared to being single. It may mean you are more stable financially it has been statistically shown that married drivers tend to have fewer serious accidents.
• How credit history affects insurance coverage prices – Having a bad credit score will be a significant factor in calculating your insurance coverage rates. Insureds that have very high credit ratings tend to be more responsible than those with worse credit. So if your credit score can be improved, you could pay less to insure your 2012 Dodge Avenger if you clean up your credit.
• Prevent theft and save money – Selecting a car model with a theft deterrent system can save you some money. Systems that thwart theives like vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems all aid in stopping your vehicle from being stolen.
• Never let your policy expire – Having a gap between insurance policy dates is a sure-fire way to pay more for insurance coverage. In addition to paying higher premiums, not being able to provide proof of insurance can result in fines or a revoked license.
• Insurance coverage rates may be lower depending on your occupation – Did you know your career choice can influence rates? Jobs like real estate brokers, social workers and dentists generally pay the highest average rates due to intense work situations and lengthy work days. Other professions such as professors, historians and performers generally pay rates lower than average for Avenger insurance.

Buy car insurance online

All the larger car insurance companies such as State Farm, Allstate and Geico allow consumers to get price estimates from their websites. Obtaining pricing doesn’t take much effort because it’s just a matter of typing in your personal and coverage information into the quote form. Once entered, the quote system orders your driving record and credit report and generates pricing information.

Quoting online makes it simple to compare prices but the time it takes to visit different websites and complete many quote forms gets old quite quickly. Unfortunately, it is important to compare as many rates as possible if you want to get the best price possible.

There is a better way!

A less time-consuming method to compare car insurance pricing uses just one form that obtains quotes from more than one company. The form is fast, requires less work, and makes price shopping online much simpler. Immediately after submitting the form, it is quoted and you are able to buy any one of the quotes returned.

If you find a better price you simply finish the application and buy the new coverage. The entire process takes less than 15 minutes and may result in a nice savings.

To quickly find out how much you’re overpaying now, click here to open in a new tab and input your coverage information. If you have a policy now, it’s recommended you copy as close as possible to your current policy. Doing this guarantees you will receive rate quotes based on the exact same insurance coverage.

Insurance coverage advertising gotchas

Respected companies like State Farm, Allstate and Geico regularly use ads on television and other media. All the companies say the same thing that you can save just by switching your coverage. But how can every company save you money? It’s all in the wording.

Insurance coverage companies give the cheapest rates for the type of driver they prefer to insure. One example of a driver they prefer might have to be over the age of 35, has other policies, and drives less than 10,000 miles a year. Any person who matches those parameters receives the best rates and as a result will probably save when switching.

Potential insureds who are not a match for those criteria will have to pay a higher rate which leads to the customer buying from someone else. The trick companies use is to say “drivers who switch” not “all people who quote” save that kind of money. That’s why insurance companies can state the savings.

Because of the profiling, it is so important to get auto insurance quotes from several different companies. Because you never know which company will have the lowest rates.

Take advantage of every car insurance discount

Some companies do not advertise all possible discounts in an easy-to-find place, so we break down a few of the more common and also the more inconspicuous car insurance savings. If you do not double check each discount possible, you may be paying too high a price.

• Professional Memberships – Having an affiliation with qualifying clubs or civic groups can get you a small discount on your next renewal.
• Defensive Driver Discount – Passing a course that instructs on driving safety can save you 5% or more and also improve your driving technique.
• Life Insurance Discount – Not all insurance companies offer life insurance, but some may give you better prices if you take out some life insurance too.
• Savings for New Vehicles – Putting coverage on a new car can cost up to 25% less because new model year vehicles keep occupants safer.
• Student Discounts – Performing well in school can save 20 to 25%. The good student discount can last well after school through age 25.
• Distant College Student Discount – Any of your kids who are enrolled in a college that is more than 100 miles from home and won’t have access to an insured vehicle may be able to be covered for less.
• Own a Home and Save – Simply owning a home can save you money because maintaining a house shows financial diligence.

It’s important to understand that most discount credits are not given the the whole policy. The majority will only reduce the cost of specific coverages such as comprehensive or collision. So when it seems like adding up those discounts means a free policy, insurance companies wouldn’t stay in business. Any amount of discount will reduce your car insurance premiums.

Larger car insurance companies and the discounts they provide are:

• State Farm has discounts for multiple policy, passive restraint, defensive driving training, safe vehicle, and student away at school.
• Geico policyholders can earn discounts including emergency military deployment, multi-vehicle, defensive driver, anti-theft, multi-policy, good student, and seat belt use.
• SAFECO discounts include safe driver, anti-lock brakes, accident prevention training, multi-car, and teen safe driver.
• Farmers Insurance may offer discounts for bundle discounts, youthful driver, business and professional, distant student, and mature driver.
• AAA offers premium reductions for AAA membership discount, multi-policy, multi-car, pay-in-full, and education and occupation.
• USAA has savings for defensive driver, driver training, good student, annual mileage, and military installation.

If you need lower rates, check with every insurance company to apply every possible discount. Some credits may not be offered in your area.

How to know if you need help

When it comes to choosing proper insurance coverage for your personal vehicles, there really is no best way to insure your cars. Your needs are not the same as everyone else’s.

For example, these questions may help highlight if you would benefit from professional advice.

• Is there coverage for injuries to my pets?
• Do I have coverage when making deliveries for my home business?
• Is rental equipment covered for theft or damage?
• Is my Dodge Avenger covered if I use it for business?
• When would I need additional glass coverage?
• Do I need added coverage for expensive stereo equipment?
• What is the difference between comprehensive and collision coverage?
• Why am I required to get a high-risk car insurance policy?
• Should I sign the liability waiver when renting a car?
• Does my policy cover me when driving someone else’s vehicle?

If you’re not sure about those questions but one or more may apply to you then you might want to talk to an agent. To find an agent in your area, complete this form.

Specific coverages for a 2012 Dodge Avenger

Knowing the specifics of a insurance policy can help you determine appropriate coverage for your vehicles. Policy terminology can be difficult to understand and even agents have difficulty translating policy wording.

Collision insurance

Collision insurance pays to fix your vehicle from damage caused by collision with another vehicle or an object, but not an animal. You have to pay a deductible then your collision coverage will kick in.

Collision insurance covers claims such as backing into a parked car, hitting a mailbox, crashing into a ditch, rolling your car and driving through your garage door. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Drivers also have the option to bump up the deductible to bring the cost down.

Med pay and Personal Injury Protection (PIP)

Personal Injury Protection (PIP) and medical payments coverage reimburse you for bills for ambulance fees, dental work, nursing services and rehabilitation expenses. They can be used to fill the gap from your health insurance policy or if you are not covered by health insurance. It covers not only the driver but also the vehicle occupants as well as being hit by a car walking across the street. PIP coverage is not available in all states and gives slightly broader coverage than med pay

Comprehensive insurance

This will pay to fix 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 can pay for things like a tree branch falling on your vehicle, rock chips in glass, hitting a deer, damage from a tornado or hurricane and theft. The most a insurance company will pay at claim time is the actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.

Liability coverages

This protects you from damages or injuries you inflict on other people or property that is your fault. It protects you against other people’s claims. It does not cover your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show policy limits of 25/50/25 which means $25,000 bodily injury coverage, a limit of $50,000 in injury protection per accident, and a limit of $25,000 paid for damaged property. Alternatively, you may have a combined single limit or CSL which limits claims to one amount and claims can be made without the split limit restrictions.

Liability insurance covers claims like structural damage, medical services, attorney fees, pain and suffering and repair costs for stationary objects. How much liability should you purchase? That is a personal decision, but consider buying as much as you can afford.

Uninsured/Underinsured Motorist (UM/UIM)

Your UM/UIM coverage protects you and your vehicle’s occupants when other motorists either have no liability insurance or not enough. This coverage pays for medical payments for you and your occupants and damage to your 2012 Dodge Avenger.

Since many drivers have only the minimum liability required by law, their limits can quickly be used up. So UM/UIM coverage should not be overlooked. Frequently your uninsured/underinsured motorist coverages are identical to your policy’s liability coverage.

Don’t be a big spender

Lower-priced car insurance is possible both online in addition to many insurance agents, and you should compare rates from both to have the best rate selection. Some car insurance companies do not offer internet price quotes and these small insurance companies prefer to sell through independent agents.

While you’re price shopping online, never skimp on critical coverages to save a buck or two. There are too many instances where consumers will sacrifice physical damage coverage and found out when filing a claim that their decision to reduce coverage ended up costing them more. Your strategy should be to buy the best coverage you can find at the best possible price, but do not sacrifice coverage to save money.

In this article, we covered a lot of tips how to lower your 2012 Dodge Avenger insurance premium rates. The key concept to understand is the more price quotes you have, the better chance you’ll have of finding the cheapest auto insurance. Consumers may even find the most savings is with a small local company.

More detailed car insurance information can be read in the articles below:

• Determing Auto Insurance Rates (Geico)
• A Tree Fell on Your Car: Now What? (Allstate)
• Teen Driving and Texting (State Farm)
• Teen Driving Statistics (iihs.org)
• Safety Belts FAQ (iihs.org)