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.
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.
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.
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.
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:
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.
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.
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.
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.
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:
Elwood Dennis
Nice post. I’m in Shreveport, LA. Got car insurance quotes with AAA, Encompass, and Sentry for my 2013 Dodge Avenger and saved around $380 a year. Hopefully won’t need it.
Carie Webb
Where is cheaper car insurance? Located in Knoxville, TN. Quoted with AIG Insurance, Mercury, and a few others for my 2013 Dodge Avenger and cut my rates about $220 a year. I get a discount for insuring multiple vehicles.
Rachel Snider
I switched to Progressive. Quoted good rates in Jacksonville, FL.
Lesley Moore
All companies are crooks. Lifelong resident of Greensboro, NC. Checked online prices for a 2013 Dodge Avenger. Ended up at about $410 savings annually. Went with State Farm.
Theodore Davidson
I’m just west of New Orleans, LA. Quoted with USAA, AIG Insurance, Hanover, and Sentry for my 2013 Dodge Avenger and saved $382 a year. Left The General to switch. I have a teen driver too. They offer free online rate quotes.
Kiyoko Berry
Got pretty cheap 2013 Dodge Avenger insurance from State Farm in Rutland, Vermont.
Miesha Mathis
Are Allstate or Allstate rates cheaper in North Dakota?
Julene Vance
Enjoyed the article. Live in Mesa, Arizona. Got car insurance rates from MetLife, Eastwood, GEICO, and Auto-Owners for my Dodge and I’m now saving $55 a month. Are quotes cheaper online?
Domingo Stewart
I live in a small town just outside of Charlotte, NC. Not sure of all the companies but I ended up saving about $30 each month. I get lower rates because of my clean driving record. Did it all online.
Hilton Dodson
It all costs too much. I live in a small town just outside of Lexington, Kentucky. Compared rates from a lot of places. Saved about $40 a month. State Farm was the cheapest for me. Got better coverage too. Just waiting to see how claims go.
Rosette Smith
Good site, thanks. From Worcester, MA. I got free rates from Progressive, Amica, and some I forget for my 2013 Dodge Avenger and I think I saved about $60 each month.
Lavone Mack
Thought I’d throw in my experience. Went with Sentry for my 2013 Dodge Avenger and am saving around $450 a year.
Ignacia George
I got decent rates for a 2013 Dodge Avenger in Las Vegas, NV. Ended up at darn near $560 every six months with AAA. I have a teen driver too. I got prices on the web.