2011 Dodge Avenger Insurance Quotes

Trying to find the cheapest insurance rates for your Dodge Avenger? Sick and tired of paying out the nose to pay your insurance bill each month? You have the same problem as most other vehicle owners. You have so many insurers to choose from, and though it is a good thing to have a choice, so many choices can make it hard to locate the cheapest rates.

Find discounts on insurance

Auto insurance companies do not list every discount they offer very clearly, so the list below gives a summary of both the well known in addition to some of the lesser obvious discounts that you may qualify for.

  • Discount for Multiple Policies – If you can combine your auto and homeowners policy and place coverage with the same company you may save nearly 15% which can help you find the cheapest auto insurance.
  • E-sign Discounts – Some of the larger companies give back up to $50 for buying a policy and signing up on the internet.
  • Distant Student – Youth drivers who live away from home to go to college and do not take a car to college may qualify for this discount.
  • No Accidents – Drivers who stay claim-free are rewarded with significantly better rates on auto insurance quote when compared to drivers with a long claim history.
  • Student Driver Training – Cut your cost by having your teen driver successfully complete driver’s ed class as it will make them better drivers and lower rates.
  • Organization Discounts – Joining qualifying clubs or civic groups is a good way to get lower rates on your policy.
  • Accident Forgiveness – Not really a discount, but companies like Allstate and State Farm will forgive one accident before raising your premiums if your claims history is clear for a specific time period.
  • Homeowners Pay Less – Simply owning a home may trigger a policy discount on insurance since home ownership requires personal responsibility.
  • Driver Safety – Successfully completing a course that instructs on driving safety may get you a small discount if you qualify.

While discounts sound great, it’s important to understand that many deductions do not apply to the entire policy premium. Most only apply to the cost of specific coverages such as liability and collision coverage. So when the math indicates you could get a free insurance policy, it’s just not the way it works. But any discount will definitely reduce your overall premium however.

Popular insurance companies and some of the premium reductions they offer can be read below.

  • 21st Century offers discounts for early bird, driver training, automatic seat belts, teen driver, and theft prevention.
  • State Farm offers premium reductions for good driver, driver’s education, Steer Clear safe driver discount, defensive driving training, multiple policy, safe vehicle, and accident-free.
  • AAA policyholders can earn discounts including education and occupation, pay-in-full, good driver, multi-policy, AAA membership discount, and multi-car.
  • Liberty Mutual may include discounts for newly married, new vehicle discount, multi-car, newly retired, and hybrid vehicle.
  • Progressive has savings for good student, online signing, continuous coverage, multi-vehicle, homeowner, and online quote discount.

Before buying, ask every insurance company which discounts you qualify for. A few discounts may not be offered in your area. To see a list of insurers that offer multiple discounts, click here.

How to compare insurance quotes

There are multiple methods to compare insurance prices but some are more efficient than others. You can waste a few hours (or days) talking about coverages with insurance companies in your area, or you could save time and use the internet to maximize your effort.

Many companies are enrolled in a marketplace where insurance shoppers send in one quote, and each participating company can provide price quotes based on the submitted data. This saves time by eliminating repetitive form submissions for each company you want a rate for.

To enter your information into the quoting system, click here to start a free quote.

The only downside to getting quotes like this is buyers cannot specifically choose the insurers to receive prices from. So if you want to choose individual companies to compare prices, we have a page of insurance companies in your area. Click here to view list.

It’s up to you which method you use, but ensure you are comparing exactly the same coverage limits and deductibles for each price quote. If you compare different deductibles it will be very difficult to find the best deal for your Dodge Avenger.

Lower your insurance premiums

A large part of saving on insurance coverage is knowing the factors that aid in calculating your insurance coverage rates. When you know what positively or negatively impacts premium levels, this enables you to make decisions that can help you get much lower annual insurance costs. Many different elements are part of the calculation when quoting car insurance. Some are pretty understandable like a motor vehicle report, although others are not quite as obvious such as whether you are married or how financially stable you are.

Shown below are some of the factors used by your company to calculate rates.

  • Occupation impacts insurance coverage rates – Occupations such as doctors, architects and emergency personnel usually pay higher premiums than the average policyholder due to intense work situations and long work hours. Conversely, professions such as scientists, historians and retirees pay lower than average rates on Avenger insurance.
  • Put fewer miles on your vehicle – The more you drive your Dodge every year the more you’ll pay to insure your vehicle. The majority of insurers rate vehicles based upon how you use the vehicle. Cars and trucks not used for work or commuting receive better premium rates than vehicles that have high annual mileage. Verify your insurance coverage policy shows the correct driver usage, because improper ratings can cost you money. Having the wrong rating on your Avenger is throwing money out the window.
  • Avoid insurance coverage policy lapses – Driving with no insurance is a misdemeanor and as a result your rates will increase for letting your insurance lapse. In addition to paying higher rates, failure to provide proof of insurance could result in fines or a revoked license. You may then be required to file a SR-22 with your state motor vehicle department.
  • Is your vehicle theft-ready? – Driving a car with advanced anti-theft systems can help lower your rates. Anti-theft devices like vehicle immobilizer systems, OnStar, and tracking devices like LoJack all help stop car theft.
  • Tickets can increase costs – Having a clean driving record has a lot to do with how much you pay for insurance. Good drivers have lower premiums than their less careful counterparts. Having just one driving citation can bump up the cost twenty percent or more. Drivers unfortunate enough to have license-revoking violations such as DUI, reckless driving or excessive speeding may need to file a SR-22 with their state DMV in order to drive a vehicle legally.
  • Safer cars means better prices – Vehicles with good safety scores cost less to insure. Vehicles built for safety help reduce the chance of injuries in an accident and better occupant protection means less money paid by your insurance company which can result in lower premiums.
  • How credit rating affects insurance coverage costs – Having a good credit rating is likely to be a major factor in determining what you pay. So if your credit rating is lower than you’d like, you could save money insuring your 2011 Dodge Avenger by improving your credit score. Consumers who have excellent credit scores tend to be less risk to insure as compared to drivers with lower ratings.
  • Big city or small town – Having an address in smaller towns and rural areas of the country has definite advantages when it comes to insurance coverage. People who live in big cities have to deal with more aggressive driving styles and more time behind the wheel. Less people living in that area means reduced accidents and also fewer theft and vandalism claims.

Tailor your insurance coverage coverage to you

When it comes to choosing proper insurance coverage for your vehicles, there really is not a “perfect” insurance plan. Every insured’s situation is different and your policy should reflect that. These are some specific questions might help in determining whether or not you might need professional guidance.

  • What vehicles should carry emergency assistance coverage?
  • Does my 2011 Dodge Avenger need full coverage?
  • Should I bundle my homeowners policy with my auto?
  • Am I covered if I wreck a rental car?
  • How much liability insurance is required?
  • Can I afford to buy a different vehicle if my 2011 Dodge Avenger is totaled?
  • What is an SR-22 filing?

If it’s difficult to answer those questions but a few of them apply, you might consider talking to a licensed insurance agent. If you want to speak to an agent in your area, complete this form or you can go here for a list of companies in your area. It’s fast, doesn’t cost anything and you can get the answers you need.

Car insurance coverage specifics

Understanding the coverages of your car insurance policy can be of help when determining which coverages you need and the correct deductibles and limits. The coverage terms in a policy can be ambiguous and even agents have difficulty translating policy wording. Listed below are the usual coverages available from car insurance companies.

Medical expense insurance

Medical payments and Personal Injury Protection insurance reimburse you for immediate expenses like pain medications, nursing services, funeral costs, EMT expenses and chiropractic care. They are often used in conjunction with a health insurance policy or if there is no health insurance coverage. They cover you and your occupants in addition to if you are hit as a while walking down the street. PIP coverage is not available in all states and may carry a deductible

Protection from uninsured/underinsured drivers

Uninsured or Underinsured Motorist coverage gives you protection from other drivers when they are uninsured or don’t have enough coverage. Covered losses include medical payments for you and your occupants as well as damage to your Dodge Avenger.

Due to the fact that many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is important protection for you and your family.

Comprehensive (Other than Collision)

Comprehensive insurance coverage will pay to fix damage OTHER than collision with another vehicle or object. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for things like theft, vandalism, damage from flooding and damage from getting keyed. The maximum amount your car insurance company will pay is the ACV or actual cash value, so if the vehicle is not worth much consider dropping full coverage.

Liability insurance

Liability coverage can cover damage or injury you incur to other people or property by causing an accident. It protects you from legal claims by others. Liability doesn’t cover your own vehicle damage or injuries.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have liability limits of 100/300/100 that translate to $100,000 bodily injury coverage, a per accident bodily injury limit of $300,000, and a limit of $100,000 paid for damaged property.

Liability coverage pays for claims such as repair bills for other people’s vehicles, attorney fees, medical expenses, loss of income and legal defense fees. How much liability should you purchase? That is a personal decision, but buy as high a limit as you can afford.

Coverage for collisions

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

Collision insurance covers things such as backing into a parked car, damaging your car on a curb, hitting a mailbox and colliding with a tree. Collision coverage makes up a good portion of your premium, so consider dropping it from older vehicles. It’s also possible to choose a higher deductible to save money on collision insurance.

Save for a rainy day

We just covered a lot of information how to lower your 2011 Dodge Avenger insurance auto insurance rates. The most important thing to understand is the more providers you compare, the better chance you’ll have of finding the cheapest auto insurance. Drivers may discover the lowest priced car insurance comes from a company that doesn’t do a lot of advertising. They can often insure niche markets at a lower cost as compared to the big name companies such as Allstate and Progressive.

Cost effective 2011 Dodge Avenger insurance is possible on the web and from local insurance agents, and you need to comparison shop both to have the best selection. There are still a few companies who don’t offer price quotes online and many times these regional carriers sell through independent agents.

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