How Much Does 2008 Dodge Avenger Insurance Cost?

Looking for the cheapest insurance rates for your Dodge Avenger? Finding the cheapest insurance for your Dodge Avenger could be a painful process, but you can follow a few tricks to save time.

There is a right way and a wrong way to shop for insurance and we’ll show you the proper way to price shop coverage for a new or used Dodge and find the lowest possible price.

It’s smart to do price comparisons before your policy renews because prices trend upward over time. Despite the fact that you may have had the best price for Avenger coverage six months ago you can probably find a better rate now. There is lot of inaccurate information about insurance on the web, but you can learn some good information on how to save money.

Pricing affordable auto insurance is easy if you know what you’re doing. If you have a current auto insurance policy or need a new policy, you will benefit by learning to find better prices while maintaining coverages. Vehicle owners just need to learn the best way to get comparison quotes over the internet.

Compare insurance coverage rates

Lowering your 2008 Dodge Avenger insurance coverage rates is not rocket science. All you need to do is spend a little time comparing price quotes to discover which company has affordable insurance quotes. This can be done using a couple different methods.

  1. The easiest and least time consuming way to get quotes is an all-inclusive rate comparison (click to open form in new window). This quick form saves time by eliminating repetitive form submissions for every prospective company. Completing one form gets coverage cost estimates from many national carriers.It’s the quickest way to get rates.
  2. Another way to compare prices requires visiting the website for every company you want to comare to request a price quote. For examples sake, we’ll assume you need rates from USAA, Farmers and Liberty Mutual. You would have to go to each individual site and repeatedly enter your information, which is not fast way to get rate quotes. For a list of companies in your area, click here.

Whichever method you choose, be sure to compare apples-to-apples information for each quote you get. If each company quotes different data you can’t possibly determine which company has the best rates.

Do drivers who switch really save $395 a year?

Drivers get pounded daily by advertisements that promise big savings for switching from the likes of Allstate, GEICO and Progressive. They all seem to convey the message of big savings after switching your insurance policy to them.

That’s great but how can every company charge lower premium rates? This is the way they can do it.

All companies have a certain “appetite” for the type of driver that will most likely be profitable. For instance, this type of driver might be a female over age 40, owns a home, and drives a car with an anti-theft system. A propective insured that hits that “sweet spot” will get very good rates and therefore will save when switching.

Potential insureds who do not meet the requirements will probably be forced to pay a higher premium with the end result being business going elsewhere. The ads state “people who switch” not “everyone that quotes” save that kind of money. That’s why insurance companies can confidently state the savings.

Because of this risk profiling, you really should compare rate quotes every year. It is impossible to guess which company will give you lower car insurance rates than your current company.

Four factors that determine insurance prices

It’s important that you understand some of the things that play a part in calculating the level of your policy premiums. If you have a feel for what positively or negatively impacts your premiums, this enables you to make decisions that could help you find better insurance rates.

The factors shown below are a few of the “ingredients” utilized by car insurance companies to help set your rates.

  • Tickets drive up rates – Having just one driving citation may cause rates to rise by as much as twenty percent. Careful drivers get better prices than people who have multiple driving citations. Drivers who have received serious violations like hit and run, DWI or reckless driving convictions may find that they have to to submit a SR-22 or proof of financial responsibility with their state’s licensing department in order to prevent a license revocation.
  • Theft deterrents save – Owning a car that has an advanced theft prevention system can earn a premium discount. Systems that thwart theives like vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems all aid in stopping auto theft and help lower rates.
  • Gender impacts prices – The statistics show that men are more aggressive behind the wheel. However, this does not mean women are BETTER drivers than men. Females and males cause at-fault accidents in similar percentages, but men have accidents that have higher claims. Men also tend to get cited for more serious violations like reckless driving and DUI. Young males generally have the highest accident percentage and therefore are the most expensive to insure.
  • Marriage can lower costs – Having a wife or husband actually saves money when shopping for insurance. Having a significant other is viewed as being more financially stable and it’s proven that being married results in fewer claims.

Lower rate quotes with these car insurance discounts

Car insurance is not an enjoyable expense, but you may find discounts that you may not even know about. Some of these disounts will be visible at the time of quoting, but a few need to be specially asked for before you get the savings.

  • Cautious Drivers – Insureds who avoid accidents can save as much as half off their rates for Avenger coverage compared to rates paid by drivers with frequent claims.
  • Anti-theft Discount – Anti-theft and alarm system equipped vehicles prevent vehicle theft and earn discounts up to 10% off your insurance quote.
  • Braking Control Discount – Cars, trucks, and SUVs with anti-lock braking systems have fewer accidents and qualify for as much as a 10% discount.
  • Pay Upfront and Save – By paying your entire bill at once rather than spreading payments over time you can actually save on your bill.
  • Professional Memberships – Belonging to qualifying employment or professional organizations may earn a discount on your policy.
  • Mature Driver Discount – Drivers that qualify as senior citizens can possibly qualify for a slight reduction on a insurance quote for Avenger coverage.
  • Auto/Home Discount – If you can bundle your home and auto insurance with the same insurance company they may give you a discount of up to 20% and get you the cheapest insurance.
  • Defensive Driver Discount – Completing a class that teaches defensive driving techniques is a good idea and can lower rates and also improve your driving technique.
  • Waiver for an Accident – but some companies like Liberty Mutual and GEICO allow you one accident before your rates go up if you are claim-free for a set time period.
  • Accident-Free Discounts – Insureds who avoid accidents and claims can save substantially as opposed to accident-prone drivers.

As a disclaimer on discounts, some credits don’t apply to the entire cost. Most cut the price of certain insurance coverages like liability and collision coverage. So even though you would think all those discounts means the company will pay you, insurance companies wouldn’t stay in business.

Popular car insurance companies and some of the premium reductions they offer are outlined below.

  • Progressive offers premium reductions for online quote discount, good student, continuous coverage, multi-policy, online signing, and homeowner.
  • GEICO offers discounts including air bags, membership and employees, good student, driver training, anti-theft, daytime running lights, and anti-lock brakes.
  • State Farm has savings for multiple autos, multiple policy, anti-theft, safe vehicle, and accident-free.
  • Esurance offers discounts for online quote, claim free, good driver, Switch & Save, good student, and multi-car.
  • The Hartford may include discounts for vehicle fuel type, driver training, bundle, anti-theft, defensive driver, good student, and air bag.

If you are trying to find cheaper insurance quotes, ask all the companies to apply every possible discount. Some credits might not be offered everywhere.

Car insurance can get complicated

When buying proper insurance coverage, there really is no single plan that fits everyone. Everyone’s situation is a little different.

Here are some questions about coverages that may help you determine whether you would benefit from an agent’s advice.

  • Is my cargo covered for damage or theft?
  • Is a new car covered when I drive it off the dealer lot?
  • Which is better, split liability limits or combined limits?
  • Do I really need UM/UIM coverage?
  • When does my teenage driver need to be added to my policy?
  • Does my liability insurance cover pulling a trailer or camper?
  • What is the difference between comprehensive and collision coverage?

If you can’t answer these questions but you know they apply to you, then you may want to think about talking to a licensed insurance agent. If you want to speak to an agent in your area, fill out this quick form. It only takes a few minutes and you can get the answers you need.

Auto insurance coverage considerations

Learning about specific coverages of auto insurance can be of help when determining which coverages you need for your vehicles. The coverage terms in a policy can be ambiguous and coverage can change by endorsement.

Auto liability insurance – Liability coverage provides protection from damages or injuries you inflict on other’s property or people that is your fault. This coverage protects you from legal claims by others. It does not cover damage to your own property or vehicle.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show liability limits of 25/50/25 that translate to $25,000 bodily injury coverage, $50,000 for the entire accident, and property damage coverage for $25,000. Alternatively, you may have a combined limit which combines the three limits into one amount without having the split limit caps.

Liability can pay for things such as court costs, funeral expenses and bail bonds. The amount of liability coverage you purchase is a personal decision, but consider buying as much as you can afford.

Collision – Collision insurance pays to fix your vehicle from damage resulting from colliding with another vehicle or an object, but not an animal. A deductible applies and then insurance will cover the remainder.

Collision can pay for claims such as colliding with a tree, hitting a mailbox and scraping a guard rail. Collision is rather expensive coverage, so consider removing coverage from older vehicles. You can also bump up the deductible in order to get cheaper collision rates.

Med pay and Personal Injury Protection (PIP) – Personal Injury Protection (PIP) and medical payments coverage kick in for expenses for things like EMT expenses, chiropractic care, nursing services, hospital visits and X-ray expenses. They are often used in conjunction with a health insurance plan or if you are not covered by health insurance. Medical payments and PIP cover all vehicle occupants and will also cover if you are hit as a while walking down the street. PIP coverage is not an option in every state and may carry a deductible

Comprehensive insurance – Comprehensive insurance covers damage from a wide range of events other than collision. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive can pay for claims like fire damage, a broken windshield, vandalism, hitting a bird and damage from flooding. The most you can receive from a comprehensive claim is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Uninsured/Underinsured Motorist (UM/UIM) – Your UM/UIM coverage protects you and your vehicle’s occupants from other drivers when they are uninsured or don’t have enough coverage. This coverage pays for injuries to you and your family as well as damage 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. This is the reason having UM/UIM coverage should not be overlooked. Frequently these limits are set the same as your liablity limits.

A penny earned…

More affordable auto insurance can be purchased on the web and from local insurance agents, so you need to quote insurance with both to have the best rate selection. Some auto insurance companies may not provide the ability to get a quote online and these smaller companies prefer to sell through independent insurance agents.

Consumers switch companies for many reasons like denial of a claim, policy non-renewal, not issuing a premium refund or policy cancellation. It doesn’t matter what your reason, finding a new company can be easy and end up saving you some money.

Throughout this article, we presented quite a bit of information on how to lower your 2008 Dodge Avenger insurance premium rates. The key thing to remember is the more companies you get prices for, the higher your chance of finding the cheapest insurance. Drivers may discover the lowest premium rates are with a small mutual company.

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