Save on 2010 Dodge Avenger Car Insurance Cost

Trying to find better auto insurance rates for your Dodge Avenger? Trying to come up with a payment for high-priced auto insurance can dwindle your family’s budget and force you to tighten up your finances. Big-name insurance companies like GEICO, Farmers Insurance and State Farm continually hit you with fancy advertisements and consumers find it hard to avoid their marketing magic and find the best price available.

It’s important to compare rates at least once a year because auto insurance prices trend upward over time. If you had the best deal on Avenger coverage on your last policy you will most likely find a better rate today. Block out anything you think you know about auto insurance because it’s time to teach you how to use online quotes to lower your annual insurance bill.

Compare quotes for insurance

There are a lot of ways to shop for insurance, and some are less labor-intensive and much quicker. You can waste hours driving to agents in your area, or you could use the web for quick rates.

Many of the larger companies participate in an industry program that enables customers to only type in their quote data once, and each company can provide price quotes determined by their information. This system prevents you from having to do form submissions for each company.

To compare rates now click here to open in new window.

The only drawback to using this type of system is that you can’t choose which insurance companies to receive prices from. So if you want to select specific insurance companies for rate comparison, we have a listing of insurance companies in your area. Click to view list.

Take whichever approach you prefer, but do your best to use apples-to-apples coverages and limits for each comparison quote. If your comparisons have differing limits then you won’t be able to determine the best price for your Dodge Avenger.

Dodge Avenger insurance price factors

It’s important that you understand some of the things that aid in calculating your policy premiums. When you understand what positively or negatively impacts your premiums, this allows you to make good choices that may result in lower premium levels.

The list below includes a partial list of the pieces utilized by car insurance companies to help set your rates.

  • How much liability insurance do you need? – Your auto insurance policy’s liability coverage will afford coverage if a jury decides you are liable for damages caused by your negligence. Your policy’s liability insurance provides legal defense starting from day one. Liability is cheap compared to physical damage coverage, so insureds should have plenty of protection for their assets.
  • Do you need those extra policy coverages? – Insurance companies have many add-on coverages that may not really be needed but may not be useful. Insurance for personal injury protection, accidental death, and membership fees may be wasting your money. You may think they are a good idea when you first buy your policy, but if you’ve never needed them in the past remove them from your policy.
  • Big city or small town – Having an address in a small town has definite advantages when buying auto insurance. People who live in big cities have to deal with congested traffic and more time behind the wheel. Fewer drivers corresponds to lower accident rates in addition to lower liability claims
  • Theft deterrents lower premiums – Selecting a car model that has an advanced theft prevention system can help bring down rates. Anti-theft devices such as vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems all aid in stopping auto theft and help lower rates.
  • Poor credit can mean higher rates – Having a bad credit score will be a significant factor in determining your rates. Drivers with good credit tend to file fewer claims than drivers with poor credit scores. If your credit history can be improved, you could potentially save money when insuring your 2010 Dodge Avenger by spending a little time repairing your credit.

Get lower-cost insurance coverage rates with discounts

Companies don’t list every discount in an easy-to-find place, so the following list contains both well-publicized and the harder-to-find savings tricks you should be using when you buy car insurance online. If you are not receiving all the discounts available, you are throwing money away.

  • Professional Memberships – Being in specific professional or occupational memberships or organizations is a good way to get lower rates on your policy.
  • Policy Bundle Discount – If you can combine your home and auto policy with one company you may save as much as 10 to 15 percent.
  • Employee of Federal Government – Employees or retirees of the government could qualify for a slight premium decrease on Avenger coverage with select insurance companies.
  • Homeowners Discount – Being a homeowner can help you save on insurance coverage due to the fact that maintaining a home demonstrates responsibility.
  • Driver’s Education for Students – It’s a good idea to have your young drivers sucessfully take a drivers education course in school or through a local driver safety program.
  • Low Miles Discount – Driving fewer miles could earn slightly better insurance coveragerates than normal.
  • Pay Upfront and Save – If you pay your entire premium ahead of time as opposed to paying monthly you may have a lower total premium amount.

You should keep in mind that some credits don’t apply the the whole policy. Most only reduce the cost of specific coverages such as collision or personal injury protection. Despite the appearance that you can get free auto insurance, that’s just not realistic.

Companies and their offered discounts can be found below.

  • GEICO includes discounts for defensive driver, membership and employees, air bags, good student, and military active duty.
  • Auto-Owners Insurance policyholders can earn discounts including safe vehicle, multi-policy, teen driver, paid in full, group or association, safe driver, and good student.
  • American Family may have discounts that include Steer into Savings, accident-free, mySafetyValet, air bags, and bundled insurance.
  • Esurance has savings for claim free, paid-in-full, anti-lock brakes, multi-policy, and Switch & Save.
  • Progressive discounts include multi-vehicle, online signing, online quote discount, good student, continuous coverage, and homeowner.
  • State Farm may include discounts for accident-free, good student, multiple policy, driver’s education, and student away at school.
  • AAA offers premium reductions for pay-in-full, good driver, education and occupation, anti-theft, multi-policy, multi-car, and good student.

When getting free car insurance quotes, it’s a good idea to every company which discounts you may be entitled to. Discounts may not apply to policyholders everywhere.

Tailor your car insurance coverage to you

When buying coverage, there is no single plan that fits everyone. Everyone’s situation is unique and your policy should reflect that. Here are some questions about coverages that can aid in determining if your insurance needs might need an agent’s assistance.

  • Is other people’s property covered if stolen from my vehicle?
  • Does insurance cover damages from a DUI accident?
  • Do I have coverage if my license is suspended?
  • Is my 2010 Dodge Avenger covered for flood damage?
  • Which companies will insure high-risk drivers?
  • Is a blown tire covered by insurance?
  • Do I need to file an SR-22 for a DUI in my state?
  • Why is insurance for a teen driver so high?

If you can’t answer these questions but you think they might apply to your situation then you might want to talk to a licensed agent. To find lower rates from a local agent, complete this form or you can also visit this page to select a carrier It only takes a few minutes and may give you better protection.

Car insurance coverages for a Dodge Avenger

Having a good grasp of your auto insurance policy helps when choosing the best coverages for your vehicles. Policy terminology can be confusing and even agents have difficulty translating policy wording. Shown next are typical coverages found on most auto insurance policies.

Comprehensive insurance

This coverage pays to fix your vehicle from 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 can pay for claims such as damage from flooding, damage from a tornado or hurricane, theft, falling objects and a tree branch falling on your vehicle. The most your auto insurance company will pay is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Liability coverages

This will cover injuries or damage you cause to other’s property or people by causing an accident. It protects you from legal claims by others. It does not cover your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show policy limits of 100/300/100 which means $100,000 bodily injury coverage, a limit of $300,000 in injury protection per accident, and a total limit of $100,000 for damage to vehicles and property. Alternatively, you may have a combined single limit or CSL which combines the three limits into one amount without having the split limit caps.

Liability coverage pays for claims like loss of income, emergency aid and legal defense fees. The amount of liability coverage you purchase is up to you, but it’s cheap coverage so purchase higher limits if possible.

Uninsured/Underinsured Motorist (UM/UIM)

This provides protection from other drivers when they either are underinsured or have no liability coverage at all. Covered claims include injuries to you and your family as well as your vehicle’s damage.

Due to the fact that many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is a good idea. Usually your uninsured/underinsured motorist coverages are identical to your policy’s liability coverage.

Med pay and Personal Injury Protection (PIP)

Personal Injury Protection (PIP) and medical payments coverage provide coverage for short-term medical expenses for things like ambulance fees, X-ray expenses, funeral costs, surgery and rehabilitation expenses. They can be utilized in addition to your health insurance program or if you are not covered by health insurance. They cover you and your occupants in addition to any family member struck as a pedestrian. Personal Injury Protection is only offered in select states but can be used in place of medical payments coverage

Collision coverage protection

This pays for damage to your Avenger resulting from a collision with another vehicle or an object, but not an animal. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision can pay for claims such as sideswiping another vehicle, backing into a parked car and colliding with a tree. This coverage can be expensive, so consider dropping it from vehicles that are 8 years or older. Drivers also have the option to choose a higher deductible to bring the cost down.

Save your hard earned cash

Budget-friendly car insurance can be purchased from both online companies as well as from insurance agents, and you need to price shop both so you have a total pricing picture. Some insurance companies may not provide price quotes online and usually these regional carriers sell through independent agents.

We just covered some good ideas how to get a better price on 2010 Dodge Avenger insurance. The key thing to remember is the more quotes you get, the better chance you’ll have of finding cheap car insurance. Consumers may even find the lowest rates come from a small mutual company. These smaller insurers may have significantly lower auto insurance rates on certain market segments compared to the large companies like Progressive or GEICO.

When trying to cut insurance costs, don’t be tempted to reduce coverage to reduce premium. There are many occasions where an accident victim reduced full coverage and discovered at claim time that it was a big mistake. Your aim should be to find the BEST coverage at the best price, but don’t skip important coverages to save money.

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