Cheap 2013 Dodge Avenger Car Insurance Quotes

Finding cheaper insurance quotes online may appear to be difficult at first if you’ve never received quoting online. But don’t just give up because finding lower prices is actually fairly simple.

It is always a good idea to do price comparisons quite often since rates change regularly. Despite the fact that you may have had the best premium rates on Avenger coverage two years ago there is a good chance you can find better prices now. Forget anything you know (or think you know) about insurance because we’re going to show you the things you must know in order to lower your annual insurance bill.

You can change your insurance costs

Many things are part of the calculation when pricing auto insurance. Some are obvious like a motor vehicle report, but some are less obvious such as your credit history or your commute time.An important part of buying insurance is that you know the factors that go into determining the rates you pay for insurance. When consumers understand what controls the rates you pay, this helps enable you to make changes that could result in cheaper rates.

• Do thieves like your car? – Purchasing a vehicle with anti-theft technology or alarm system can help bring down rates. Anti-theft devices like vehicle immobilizer systems, OnStar, and tracking devices like LoJack all hinder auto theft and help lower rates.
• Allowing your insurance to lapse raises rates – Having an insurance coverage lapse is a sure-fire way to increase your renewal premiums. Not only will you pay more, failure to provide proof of insurance might get you a hefty fine and possibly a revoked license.
• Your address can modify costs – Choosing to live in smaller towns and rural areas of the country may provide you with better prices when talking about insurance. Lower population means reduced accidents and a lower car theft rate. People in densly populated areas tend to have traffic congestion and longer commutes to work. More time commuting means higher likelihood of an accident.
• Marriage discount – Getting married may cut your premiums when shopping for insurance. Having a significant other usually means you are more mature than a single person and it’s statistically proven that married couples file fewer claims.
• Teen drivers pay more – Older, more experienced drivers tend to be more responsible, statistically cause fewer accidents and get fewer tickets.Teenage drivers are statistically shown to be easily distracted when driving with friends therefore insurance rates are much higher.
• Gender impacts prices – Over time, data shows that females tend to be a little less risky than males. Now that doesn’t mean men are worse drivers. Females and males cause accidents at about the same rate, but the male of the species cause more damage. Not only that, but men also get ticketed for serious violations like driving under the influence (DUI).
• Add-on coverages are wasting money – There are a lot of optional add-on coverages that can add up when buying insurance. Coverages for rental car coverage, better glass coverage, and Farm Bureau memberships could be just wasting money. They may seem like a good idea when deciding what coverages you need, but if they’re wasting money think about removing them and cutting costs.

How to buy insurance online

There are a lot of ways to compare insurance quotes, but one way is less labor-intensive and much quicker. You could waste a few hours talking to insurance agencies in your area, or you could save time and use online quoting to get rate comparisons in just a few minutes.

Most of the larger companies participate in a marketplace where insurance shoppers complete one form, and at least one company returns a rated price for coverage. This saves time by eliminating quote requests to each company.

To enter your information into the quoting system, click here to start a free quote.

The only downside to doing it this way is you can’t choose which insurance companies you want pricing from. If you wish to select specific providers for rate comparison, we have a listing of companies who write insurance in your area. Click here to view list.

You can choose any of those ways to find more affodable coverage, but be sure to compare equivalent coverage information with every price quote. If your comparisons have different coverage information it will be impossible to make a fair rate comparison. Quoting even small variations in insurance coverages can mean a large discrepancy in price. Keep in mind that comparing more company’s prices gives you a better chance of getting lower pricing.

Do you qualify for discounts?

Not too many consumers would say car insurance is affordable, but you can get discounts that can help lower your rates. Larger premium reductions will be automatically applied when you get a quote, but a few must be manually applied prior to receiving the credit.

• Military Discounts – Being on active deployment in the military could be rewarded with lower premium rates.
• Early Switch Discount – A few companies give discounts for buying a new policy before your current policy expires. The savings is around 10%.
• First Accident Forgiveness – but companies like Allstate and Geico permit an accident before your rates go up as long as you don’t have any claims prior to being involved in the accident.
• Senior Citizen Rates – If you qualify as a senior citizen, you may be able to get lower premium rates on Avenger coverage.
• Low Mileage Discounts – Maintaining low annual mileage may allow you to get lower rates on the low mileage vehicles.
• Resident Student – who are enrolled in a college that is more than 100 miles from home without a vehicle on campus may be able to be covered for less.
• New Vehicle Savings – Insuring a new car is cheaper because new model year vehicles keep occupants safer.
• Federal Employees – Having worked for a branch of the government can save as much as 8% on Avenger coverage with a few car insurance companies.

As a sidenote, most discounts do not apply to the entire policy premium. Most only reduce specific coverage prices like liability, collision or medical payments. So even though you would think you can get free auto insurance, car insurance companies aren’t that generous. Any qualifying discounts should help lower your overall bill.

A few of the larger companies and the discounts they provide are:

• Farm Bureau may offer discounts for good student, multi-policy, 55 and retired, multi-vehicle, renewal discount, driver training, and youthful driver.
• State Farm may have discounts that include multiple autos, student away at school, Steer Clear safe driver discount, multiple policy, and defensive driving training.
• Progressive has savings for homeowner, multi-policy, continuous coverage, good student, online quote discount, multi-vehicle, and online signing.
• Allstate may include discounts for defensive driver, multi-policy, resident student, anti-lock brakes, safe driver, and auto/life discount.
• Nationwide offers discounts including easy pay, family plan, Farm Bureau membership, multi-policy, accident-free, defensive driving, and business or organization.
• MetLife discounts include good driver, good student, claim-free, defensive driver, accident-free, multi-policy

Before you buy a policy, ask every company which discounts can lower your rates. Some credits might not be offered on policies in your state. To choose providers offering car insurance discounts, click this link.

Don’t assume everyone needs the same car insurance coverage

When choosing coverage, there really is not a best way to insure your cars. Coverage needs to be tailored to your specific needs.

Here are some questions about coverages that can aid in determining if your situation may require specific advice.

• Does my liability insurance cover pulling a trailer or camper?
• Do I need PIP (personal injury protection) coverage in my state?
• When does my teenage driver need to be added to my policy?
• When should I drop full coverage on my 2013 Dodge Avenger?
• What discounts do I qualify for?
• Am I covered if I hit my neighbor’s mailbox?
• When would I need rental car insurance?
• Do I have newly-aquired coverage?
• Can I pay claims out-of-pocket if I buy high deductibles?

If you can’t answer these questions but a few of them apply, you might consider talking to an insurance agent. If you don’t have a local agent, complete this form.

Insurance policy coverages for a Dodge Avenger

Learning about specific coverages of a insurance policy helps when choosing appropriate coverage at the best deductibles and correct limits. The coverage terms in a policy can be ambiguous and reading a policy is terribly boring.

Comprehensive auto coverage – This pays for damage OTHER than collision with another vehicle or object. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for claims like falling objects, vandalism, a broken windshield and theft. The maximum amount you’ll receive from a claim is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

UM/UIM (Uninsured/Underinsured Motorist) coverage – Uninsured or Underinsured Motorist coverage gives you protection from other motorists when they do not carry enough liability coverage. Covered losses include medical payments for you and your occupants and also any damage incurred to your Dodge Avenger.

Since many drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages should not be overlooked.

Collision coverages – Collision insurance 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 pays for claims like driving through your garage door, colliding with another moving vehicle, hitting a parking meter and colliding with a tree. This coverage can be expensive, so you might think about dropping it from vehicles that are older. Another option is to choose a higher deductible to bring the cost down.

Medical payments and PIP coverage – Medical payments and Personal Injury Protection insurance provide coverage for immediate expenses like X-ray expenses, nursing services, chiropractic care and hospital visits. They can be used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover you and your occupants and will also cover any family member struck as a pedestrian. PIP coverage is not available in all states and may carry a deductible

Liability coverage – Liability coverage will cover damage or injury you incur to other people or property in an accident. This coverage protects you from claims by other people. It does not cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show limits of 25/50/25 which means $25,000 in coverage for each person’s injuries, $50,000 for the entire accident, and $25,000 of coverage for damaged propery.

Liability coverage pays for things like pain and suffering, emergency aid, medical expenses and funeral expenses. The amount of liability coverage you purchase is a personal decision, but it’s cheap coverage so purchase as large an amount as possible.

Summing up your insurance coverage search

Some insurance providers may not have internet price quotes and usually these regional carriers provide coverage only through local independent agencies. Lower-priced insurance coverage is available both online in addition to many insurance agents, and you need to comparison shop both to get a complete price analysis.

Insureds leave their current company for a variety of reasons including not issuing a premium refund, delays in paying claims, poor customer service or policy non-renewal. No matter why you want to switch, finding a great new company is not as hard as you think.

When searching for low cost insurance quotes, don’t be tempted to buy lower coverage limits just to save a few bucks. In too many instances, consumers will sacrifice liability coverage limits and learned later that the few dollars in savings costed them thousands. The ultimate goal is to buy a smart amount of coverage at an affordable rate, not the least amount of coverage.

For more information, feel free to visit the resources below:

• Teen Driving Statistics (iihs.org)
• Determing Auto Insurance Rates (Geico)
• Understanding Car Crashes Video (iihs.org)
• Teen Driving and Texting (State Farm)
• Think You’re a Safe Driver? (State Farm)