Compare 1998 Dodge Avenger Insurance Rates

Searching for low-cost insurance for a new or used Dodge Avenger can be difficult, but you can learn the following methods to make it easier.

There are more efficient ways to shop for insurance coverage so we’re going to tell you the absolute fastest way to compare rates on a Dodge and locate the lowest price from both online companies and local agents.

How to get car insurance quotes

Lowering your 1998 Dodge Avenger car insurance rates can be surprisingly simple. Just take the time comparing rate quotes from some recommended companies. Price comparisons can be done using a couple different methods.

The easiest and least time consuming way to find the lowest comparison rates is to use a rate comparison form click to view form in new window. This style of form saves time by eliminating multiple quote forms for each company. One quote request gets insurance cost estimates from car insurance companies with the best prices. This is by far the quickest method.

A more time consuming way to obtain and compare quotes online consists of going to the website of each company and repeat the quote process again and again. For instance, we’ll assume you are doing a rate comparison from Liberty Mutual, Farmers and American Family. To get each rate you have to take the time to go to each site and type in your information over and over, which can take a lot of time. To view a list of companies in your area, click here.

It doesn’t matter which method you choose, just ensure you’re using equivalent coverage data for each quote you get. If you are comparing mixed coverages it will be impossible to determine the lowest rate for your Dodge Avenger.

Insurance coverage can be complex

When choosing the best insurance coverage coverage, there really is no “perfect” insurance plan. Every situation is different.

For instance, these questions might help in determining if your insurance needs could use an agent’s help.

  • Will my insurance pay for OEM parts?
  • Do I need rental car coverage?
  • Can I afford low physical damage deductibles?
  • Am I covered if I hit a deer?
  • I have a DUI can I still get coverage?
  • Am I covered by my employer’s commercial auto policy when driving my personal car for business?

If you can’t answer these questions, you might consider talking to an agent. If you want to speak to an agent in your area, fill out this quick form. It only takes a few minutes and may give you better protection.

Car insurance coverages explained

Having a good grasp of a car insurance policy aids in choosing appropriate coverage at the best deductibles and correct limits. Car insurance terms can be impossible to understand and nobody wants to actually read their policy.

Uninsured and underinsured coverage – This coverage provides protection when other motorists either have no liability insurance or not enough. Covered claims include hospital bills for your injuries as well as damage to your Dodge Avenger.

Since a lot of drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea. Frequently these coverages are set the same as your liablity limits.

Comprehensive coverages – Comprehensive insurance coverage covers damage that is not covered by collision coverage. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for things like hitting a deer, a broken windshield, vandalism and damage from a tornado or hurricane. The most you’ll receive from a claim is the market value of your vehicle, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Coverage for medical payments – Coverage for medical payments and/or PIP provide coverage for immediate expenses such as chiropractic care, prosthetic devices, pain medications 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. Coverage applies to you and your occupants and also covers being hit by a car walking across the street. Personal injury protection coverage is not available in all states but can be used in place of medical payments coverage

Collision coverages – Collision insurance pays to fix your vehicle from damage from colliding with an object or car. You will need to pay your deductible and then insurance will cover the remainder.

Collision coverage pays for claims such as crashing into a ditch, sideswiping another vehicle, hitting a mailbox and crashing into a building. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. It’s also possible to increase the deductible to save money on collision insurance.

Auto liability insurance – Liability coverage will cover damage or injury you incur to other’s property or people. This insurance protects YOU against other people’s claims. Liability doesn’t cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. You commonly see limits of 100/300/100 that translate to a limit of $100,000 per injured person, a limit of $300,000 in injury protection per accident, and a limit of $100,000 paid for damaged property. Some companies may use a combined limit which combines the three limits into one amount and claims can be made without the split limit restrictions.

Liability insurance covers things such as funeral expenses, medical services, repair costs for stationary objects and bail bonds. The amount of liability coverage you purchase is a decision to put some thought into, but it’s cheap coverage so purchase as much as you can afford.