Cheap 2014 Dodge Avenger Insurance Quotes

Do you get exhausted from not being able to afford to pay your car insurance bill each month? Your situation is no different than millions of other consumers.

Lots of insurance companies contend for your business, so it’s not easy to compare every provider to find the lowest rate possible.

It’s a good idea to do price comparisons on a regular basis because insurance rates are constantly changing. If you had the lowest rate for Avenger coverage two years ago a different company probably has better prices today. Ignore everything you know about car insurance because you’re about to find out one of the quickest ways to find great coverage at a great price.

Get lower-cost insurance coverage with discounts

Companies offering auto insurance do not list their entire list of discounts in an easy-to-find place, so the next list breaks down both well-publicized as well as the least known credits that you can use to lower your rates.

• Policy Bundle Discount – When you have multiple policies with one company you may save as much as 10 to 15 percent.
• Cautious Drivers – Insureds without accidents may save up to 50% more for Avenger coverage than drivers with accidents.
• Anti-lock Brake Discount – Cars and trucks that have anti-lock braking systems can avoid accidents and will save you 10% or more.
• Switch and Save Discount – Some insurance coverage companies reward drivers for signing up before your current expiration date. The savings is around 10%.
• Professional Organizations – Being in qualifying clubs or civic groups may earn a discount on your bill.
• Online Discount – A few larger online companies give back up to $50 for signing up over the internet.
• Telematics Discount – Insureds who allow driving data submission to spy on their driving habits by using a small device installed in their vehicle such as State Farm’s In-Drive could save a few bucks if they show good driving skills.

Discounts lower rates, but some of the credits will not apply the the whole policy. Most only apply to individual premiums such as collision or personal injury protection. So even though it sounds like all those discounts means the company will pay you, company stockholders wouldn’t be very happy. But all discounts will help reduce the cost of coverage.

A few of the larger companies and the discounts they provide are outlined below.

• State Farm may offer discounts for Drive Safe & Save, passive restraint, defensive driving training, multiple autos, safe vehicle, anti-theft, and accident-free.
• Progressive has discounts for good student, continuous coverage, homeowner, online signing, multi-vehicle, online quote discount, and multi-policy.
• Progressive includes discounts for continuous coverage, multi-policy, online quote discount, multi-vehicle, and homeowner.
• MetLife offers premium reductions for good driver, multi-policy, accident-free, defensive driver, good student, and claim-free.
• Farm Bureau offers discounts including renewal discount, multi-policy, driver training, youthful driver, and multi-vehicle.
• Geico may have discounts that include defensive driver, multi-policy, good student, anti-lock brakes, five-year accident-free, and daytime running lights.
• SAFECO offers discounts for safe driver, bundle discounts, accident prevention training, multi-car, teen safe driver, and homeowner.

Double check with each insurance company the best way to save money. Some discounts listed above may not apply in every state. To locate insurers that can offer you the previously mentioned discounts, click here.

Tailor your insurance coverage to you

When it comes to buying the best insurance coverage, there isn’t really a best way to insure your cars. Every situation is different so this has to be addressed. For instance, these questions might help in determining if your situation would benefit from an agent’s advice.

• What is roadside assistance coverage?
• Should I buy full coverage?
• Am I covered when delivering products for my home-based business?
• What discounts do I qualify for?
• How can I get my company to pay me more for my totalled car?
• Is a fancy paint job covered?

If you can’t answer these questions, you might consider talking to an insurance agent. To find an agent in your area, take a second and complete this form or go to this page to view a list of companies.

Save $491 a year? Really?

Auto insurance providers like Progressive, Geico, Allstate and State Farm continually stream television, radio, and online ads. All the companies tend to make the same promise about how much you will save if you just switch to them. How is it possible that every company can offer drivers better rates? It’s all in how they say it.

Insurance providers have a preferred profile for the type of insured that earns them a profit. For instance, this type of driver may be over the age of 45, has other policies, and drives less than 10,000 miles a year. A customer getting a price quote who fits that profile receives the best premium rates and is almost guaranteed to save some money.

Insureds who fall outside this ideal profile will be charged a higher rate and this can result in the prospect going elsewhere. Company advertisements say “drivers who switch” not “everyone who quotes” save that kind of money. That’s the way companies can make it sound like they have such great prices.

This illustrates why it is so important to get as many free insurance coverage quotes as possible. Because without a comparison, you cannot know with any certainty which company will have the lowest premium rates for your situation.

Car insurance coverage information

Learning about specific coverages of your policy aids in choosing which coverages you need and proper limits and deductibles. The terms used in a policy can be confusing and coverage can change by endorsement. Below you’ll find typical coverage types available from insurance companies.

Comprehensive coverage (or Other than Collision)

This covers damage from a wide range of events other than collision. A deductible will apply then your comprehensive coverage will pay.

Comprehensive can pay for claims like a broken windshield, falling objects, theft and rock chips in glass. The maximum amount your insurance company will pay is the actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.

Collision protection

This coverage will pay to fix damage to your Avenger resulting from a collision with another car or object. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision can pay for claims such as rolling your car, scraping a guard rail and hitting a parking meter. This coverage can be expensive, so analyze the benefit of dropping coverage from older vehicles. Drivers also have the option to choose a higher deductible to bring the cost down.

Auto liability

Liability insurance protects you from damage that occurs to other’s property or people. This coverage protects you from legal claims by others, and doesn’t cover damage to your own property or vehicle.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show values of 50/100/50 which stand for a limit of $50,000 per injured person, a per accident bodily injury limit of $100,000, and property damage coverage for $50,000. Another option is one number which is a combined single limit that pays claims from the same limit without having the split limit caps.

Liability insurance covers things like bail bonds, structural damage, attorney fees, medical expenses and pain and suffering. How much liability coverage do you need? That is up to you, but you should buy as high a limit as you can afford.

Insurance for medical payments

Coverage for medical payments and/or PIP pay for bills such as doctor visits, X-ray expenses, nursing services, EMT expenses and hospital visits. They are used in conjunction with a health insurance program or if you lack health insurance entirely. Coverage applies to both the driver and occupants and will also cover getting struck while a pedestrian. PIP is not available in all states and gives slightly broader coverage than med pay

Uninsured Motorist or Underinsured Motorist insurance

This gives you protection from other motorists when they are uninsured or don’t have enough coverage. Covered losses include medical payments for you and your occupants as well as your vehicle’s damage.

Since many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage should not be overlooked. Most of the time your uninsured/underinsured motorist coverages are set the same as your liablity limits.

At the end of the day…

When shopping online for insurance coverage, it’s very important that you do not sacrifice coverage to reduce premiums. There are too many instances where an accident victim reduced uninsured motorist or liability limits only to regret at claim time that the savings was not a smart move. Your focus should be to buy enough coverage for the lowest cost, but don’t skip important coverages to save money.

Some companies may not have rate quotes online and many times these regional carriers only sell through local independent agents. Low-cost 2014 Dodge Avenger insurance can be found both online as well as from independent agents, so compare prices from both to have the best selection.

Additional insurance coverage information is available below:

• Neck Injury FAQ (iihs.org)
• Five Steps to Filing an Auto Insurance Claim (Insurance Information Insitute)
• Keeping Children Safe in Crashes Video (iihs.org)
• Side Impact Crash Tests (iihs.org)