Save on 1995 Dodge Avenger Car Insurance Quotes

Buyers have options when searching for affordable Dodge Avenger insurance. They can either spend hours contacting agents to compare prices or leverage the internet to find the lowest rates.

There is a better way to compare auto insurance rates so we’re going to tell you the quickest way to get price quotes for your Dodge and get the lowest price from local insurance agents and online providers.

It’s smart to compare prices before your next renewal because prices change quite often. If you had the lowest rates for Avenger insurance at your last renewal you can probably find a lower rate today. There are a lot of ways to save on auto insurance on the web, but in this article, you’re going to get some guaranteed methods to lower your auto insurance bill.

Compare insurance rates

Finding a better price on insurance can be quick and easy. You just need to invest a few minutes to get quotes to find out which insurance company has cheap insurance quotes. Shoppers can get rates in just a few minutes using one of these methods.

  1. The fastest way consumers can make multiple comparisons would be an industry-wide quote request form click here to open form in new window. This style of form saves time by eliminating separate quotation requests for every company. One form gets you price quotes from several companies.It’s the quickest way to get rates.
  2. A slightly less efficient method to analyze rates requires visiting the website for every company you want to comare and get a separate price quote. For sake of this example, let’s assume you want rates from Nationwide, Esurance and State Farm. You would need to visit each site and enter your information, which is why the first method is more popular. For a list of companies in your area, click here.
  3. The hardest way to find cheaper rates is actually driving to local insurance agencies. Doing it all online eliminates this option unless your situation requires the trained guidance of a licensed agent. Some companies do allow you to comparison shop online but have a local agent actually write the policy.

Whichever way you use, double check that you are using apples-to-apples coverage data for each price quote. If you compare different limits and deductibles on each one it’s impossible to make a fair rate comparison.

Discount insurance coverage rates

Companies offering auto insurance don’t always list all their discounts very well, so we researched a few of the more common and the more hidden discounts that you may qualify for.

  • New Car Discount – Buying a new car model may earn a small discount since newer vehicles have better safety ratings.
  • Student Discount for Driver Training – Make teen driver coverage more affordable by requiring them to sucessfully take a drivers education course in school.
  • Pay Now and Pay Less – By paying your policy upfront rather than paying in monthly installments you can avoid the installment charge.
  • Discount for Multiple Policies – When you combine your auto and homeowners insurance and insure them both with the same insurance company you may earn up to 20% off your total premium.
  • Fewer Miles Equal More Savings – Maintaining low annual mileage may enable drivers to earn discounted rates on garaged vehicles.
  • Theft Prevention System – Anti-theft and alarm system equipped vehicles help deter theft and therefore earn up to a 10% discount.
  • More Vehicles More Savings – Drivers who insure primary and secondary vehicles with one company can reduce the rates for all insured vehicles.

It’s important to note that most credits do not apply to the overall cost of the policy. Most only cut the price of certain insurance coverages like liability and collision coverage. So when it seems like it’s possible to get free car insurance, insurance coverage companies aren’t that generous.

The best insurance coverage companies and a partial list of their discounts are outlined below.

  • State Farm includes discounts for anti-theft, driver’s education, safe vehicle, Steer Clear safe driver discount, and student away at school.
  • Farmers Insurance policyholders can earn discounts including good student, homeowner, distant student, youthful driver, teen driver, and early shopping.
  • Progressive discounts include multi-vehicle, good student, homeowner, online signing, continuous coverage, and multi-policy.
  • GEICO may offer discounts for multi-policy, federal employee, anti-lock brakes, five-year accident-free, military active duty, defensive driver, and driver training.
  • Auto-Owners Insurance offers discounts including paid in full, good student, multi-policy, student away at school, and safe driver.
  • The Hartford may have discounts that include defensive driver, air bag, vehicle fuel type, good student, and bundle.
  • Farm Bureau has discounts for youthful driver, safe driver, multi-vehicle, 55 and retired, and good student.
  • USAA may include discounts for vehicle storage, driver training, multi-vehicle, safe driver, and loyalty savings.

When comparing rates, check with every company how you can save money. Savings may not be offered in every state. To locate companies who offer online insurance coverage quotes, click here to view.

Informed consumers save money

A large part of saving on auto insurance is knowing some of the elements that come into play when calculating the level of your policy premiums. If you have a feel for what influences your rates, this helps enable you to make changes that can earn you lower rates.

The factors shown below are most of the major factors that factor into rates.

  • Raising physical damage deductibles saves money – Protection for physical damage, termed comprehensive and collision coverage on your policy, protects your Dodge from damage. Some instances where coverage would apply could be a broken side mirror, damage from fire, and damage from a fallen tree branch. Deductibles for physical damage are the amount of money the insured will be required to pay before a claim is paid by your company. The higher the amount you’re willing to pay, the lower your rates will be for Avenger insurance.
  • Safety first – Safe vehicles get lower rates. Vehicles built for safety reduce injuries and better occupant protection means less money paid by your insurance company and thus lower rates.
  • Your address can affect price – Having an address in smaller towns and rural areas of the country has definite advantages when insuring your vehicles. Residents of big cities have to deal with more auto accidents and more severe claims. Fewer drivers means a lower chance of having an accident and lower theft and vandalism rates.
  • Your gender affects prices – Statistics show that females take fewer risks when driving. Now that doesn’t mean men are worse drivers. Women and men cause fender benders in similar percentages, but the males cause more damage. In addition to higher claims, males also have more aggressive citations such as reckless driving.
  • Compare rates if you bundle your policies – Lots of insurance companies will give discounts to customers who buy several policies from them such as combining an auto and homeowners policy. The discount can be ten percent or more. Even with this discount, it’s always a smart idea to check prices from other companies to verify if the discount is saving money. You may still find lower rates by buying from different companies

Tailor your insurance coverage to you

When it comes to choosing coverage for your personal vehicles, there isn’t really a “perfect” insurance plan. Everyone’s needs are different.

For example, these questions might point out whether you might need an agent’s assistance.

  • I have health insurance so do I need medical payments coverage?
  • Am I covered if hit by an uninsured driver?
  • Will filing a claim cost me more?
  • What vehicles should carry emergency assistance coverage?
  • Should I waive the damage coverage when renting a car?
  • Am I missing any policy discounts?
  • Which is better, split liability limits or combined limits?
  • Can I rent a car in Mexico?
  • Should I buy additional glass protection?
  • Where can I find DUI or SR-22 insurance?

If it’s difficult to answer those questions but a few of them apply then you might want to talk to an agent. If you want to speak to an agent in your area, simply complete this short form. It’s fast, doesn’t cost anything and you can get the answers you need.

Insurance policy specifics

Having a good grasp of a insurance policy aids in choosing which coverages you need and the correct deductibles and limits. Policy terminology can be difficult to understand and reading a policy is terribly boring.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Your UM/UIM coverage protects you and your vehicle’s occupants when the “other guys” are uninsured or don’t have enough coverage. This coverage pays for medical payments for you and your occupants as well as damage to your 1995 Dodge Avenger.

Since many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage is very important. Usually your uninsured/underinsured motorist coverages are set the same as your liablity limits.

Auto collision coverage

This covers damage to your Avenger resulting from colliding with a stationary object or other vehicle. You will need to pay your deductible then your collision coverage will kick in.

Collision can pay for things like colliding with another moving vehicle, scraping a guard rail and driving through your garage door. This coverage can be expensive, so you might think about dropping it from vehicles that are 8 years or older. You can also choose a higher deductible in order to get cheaper collision rates.

Comprehensive auto coverage

Comprehensive insurance coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers claims like rock chips in glass, vandalism and a tree branch falling on your vehicle. The highest amount you’ll receive from a claim is the ACV or actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Medical payments and PIP coverage

Medical payments and Personal Injury Protection insurance provide coverage for immediate expenses such as surgery, prosthetic devices and chiropractic care. The coverages can be used to fill the gap from your health insurance policy or if you do not have health coverage. It covers you and your occupants in addition to any family member struck as a pedestrian. Personal Injury Protection is only offered in select states and gives slightly broader coverage than med pay

Liability coverage

This coverage will cover damage or injury you incur to people or other property that is your fault. This coverage protects you from claims by other people. Liability doesn’t cover damage to your own property or vehicle.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have liability limits of 100/300/100 which stand for a limit of $100,000 per injured person, $300,000 for the entire accident, and a limit of $100,000 paid for damaged property. Another option is a combined single limit or CSL which provides one coverage limit and claims can be made without the split limit restrictions.

Liability coverage pays for claims like emergency aid, repair bills for other people’s vehicles, repair costs for stationary objects and court costs. The amount of liability coverage you purchase is your choice, but consider buying higher limits if possible.

Buy Smart and Save

When shopping online for insurance, don’t be tempted to reduce coverage to reduce premium. There are a lot of situations where someone sacrificed physical damage coverage to discover at claim time that the small savings ended up costing them much more. Your objective should be to find the BEST coverage for the lowest price, but don’t skip important coverages to save money.

Low-cost 1995 Dodge Avenger insurance can be purchased from both online companies as well as from insurance agents, so you should compare both to have the best chance of lowering rates. Some insurance providers may not have the ability to get a quote online and these small, regional companies only sell coverage through local independent agents.

Drivers leave their current company for a variety of reasons including policy cancellation, delays in responding to claim requests, poor customer service and even an unsatisfactory settlement offer. Whatever your reason, finding the right insurance provider is easier than you think.

More detailed insurance information is located in these articles: