Proven Techniques to Lowering Your Dodge Avenger Insurance Rates

Searching for the cheapest insurance for a new or used Dodge Avenger can normally be a painful process, but you can follow a few tricks and make it easy. There is a right way and a wrong way to find car insurance online so we’re going to tell you the best way to price shop coverage for a new or used Dodge and locate the lowest price.

It is always a good idea to do rate comparisons quite often because rates are usually higher with each renewal. Just because you had the lowest price for Avenger insurance a year ago there may be better deals available now. So ignore everything you know about car insurance because it’s time to teach you one of the easiest ways to reduce your cost while increasing coverage.

Buying car insurance is not rocket science. If you are insured now or need a new policy, you can follow these tips to reduce the price you pay while maintaining coverages. Drivers only need an understanding of the most efficient way to get comparison quotes online.

Are you getting all your discounts?

Auto insurance companies don’t always advertise every available discount very clearly, so we researched some of the more common and the more hidden car insurance savings. If you’re not getting every credit possible, you’re just leaving money on the table.

  • Drivers Ed for Students – Have your child enroll in driver’s education in school.
  • Anti-theft System – Anti-theft and alarm systems prevent vehicle theft and qualify for as much as a 10% discount.
  • More Vehicles More Savings – Having multiple cars or trucks on one policy can get a discount on all vehicles.
  • Fewer Miles Equal More Savings – Fewer annual miles on your Dodge could be rewarded with better rates on cars that stay parked.
  • Braking Control Discount – Vehicles with anti-lock braking systems prevent accidents and therefore earn up to a 10% discount.
  • Discount for Good Grades – A discount for being a good student can earn a discount of 20% or more. The good student discount can last until age 25.
  • Multi-policy Discount – When you combine your home and auto insurance with one company you will save approximately 10% to 15%.
  • Distant Student – Children who are attending college and don’t have a car may be able to be covered for less.
  • Pay Now and Pay Less – If you pay your entire premium ahead of time instead of paying each month you could save 5% or more.
  • Passive Restraints – Vehicles with factory air bags or automatic seat belts can receive discounts of 20% or more.

Consumers should know that most discount credits are not given the the whole policy. Most cut the cost of specific coverages such as medical payments or collision. So even though it sounds like you could get a free car insurance policy, it just doesn’t work that way.

To choose insurers with discount car insurance rates, click here to view.

Factors that can influence Dodge Avenger insurance rates

An important part of buying insurance is that you know some of the elements that help determine the rates you pay for car insurance. Knowing what impacts premium levels allows you to make educated decisions that may reward you with much lower annual insurance costs.

  • Credit scores impact car insurance rates – Having a bad credit rating is a big factor in calculating your car insurance rates. People with high credit ratings tend to be more responsible as compared to drivers with lower ratings. So if your credit history can use some improvement, you could be paying less to insure your Dodge Avenger by spending a little time repairing your credit.
  • Equipment add-ons that lower car insurance rates – Driving a car with an alarm system can save you a little every year. Anti-theft devices like tamper alarm systems, vehicle immobilizer technology and General Motors OnStar all hinder your car from being stolen.
  • Don’t buy coverages you don’t need – There are many extra bells and whistles that can waste your money on your car insurance policy. Things like personal injury protection, accident forgiveness and additional equipment coverage may be costing you every month. These may sound like a good investment when talking to your agent, but now you might not need them so remove them from your policy.
  • Older drivers pay less – Mature drivers are more responsible, tend to cause fewer accidents and tend to be better behind the wheel. Youthful drivers tend to be more careless in a vehicle and because of this, their car insurance rates are much higher.
  • Do men or women drive better? – Statistics demonstrate women are more cautious behind the wheel. That doesn’t necessarily mean that women are BETTER drivers than men. Both sexes are in accidents in similar numbers, but the men cause more damage. Men also statistically get more serious tickets like reckless driving and DUI. Young males are most likely to cause an accident and thus pay the highest rates.
  • Do you know your deductibles? – Physical damage coverage, commonly called comprehensive (or other-than-collision) and collision coverage, is used to repair damage to your Dodge. Some examples of claims that would be covered are collision with another vehicle, damage from fire, and rolling your vehicle. Deductibles for physical damage are how much you are willing to pay in the event of a claim. The higher the amount the insured has to pay upfront, the bigger discount you will receive for Avenger insurance.
  • Traffic citations inflate rates – Your driving citation history has a lot to do with how much you pay for insurance. Just one speeding ticket may increase your cost forty percent or more. Drivers with clean records receive lower rates compared to drivers with tickets. Drivers who have flagrant citations such as hit and run, DWI or reckless driving convictions may need to file a proof of financial responsibility form (SR-22) with their state DMV in order to keep their license.

Different people need different coverages

When choosing the right insurance coverage, there is no cookie cutter policy. Every insured’s situation is different.

For instance, these questions may help highlight if you will benefit from professional help. auto insurance

  • What are the best liability limits?
  • Does having multiple vehicles earn me a discount?
  • Does my policy cover me when driving someone else’s vehicle?
  • Are rental cars covered under my policy?
  • Am I covered by my employer’s commercial auto policy when driving my personal car for business?
  • Do I need special endorsements for business use of my vehicle?
  • Exactly who is provided coverage by my policy?

If it’s difficult to answer those questions, you might consider talking to a licensed insurance agent. To find an agent in your area, take a second and complete this form. It only takes a few minutes and can provide invaluable advice.

Quote online but work with a neighborhood agent

Certain consumers would rather buy from a local agent. Licensed agents are trained to spot inefficiencies and help in the event of a claim. One of the great benefits of getting online price quotes is you may find the best rates but still work with a licensed agent.

Once you complete this quick form, your information is transmitted to insurance agents who will return price quotes for your business. You never need to drive around due to the fact that quote results will go to your email. Now that’s easy!

Picking a company should depend on more than just the premium amount. These are valid questions to ask:

  • Did they already check your driving record and credit reports?
  • Are you getting all the discounts the company offers?
  • Do the companies they represent have a solid financial rating?
  • Are glass claims handled on-site or do you have to take your vehicle to a repair shop?
  • Will you be dealing directly with the agent or with a Custom Service Representative (CSR)?
  • Which insurance companies are they affiliated with?
  • What insurance companies do they recommend if they are an independent agent?

Two types of auto insurance agents

When looking for a good insurance agency, you must know there are a couple different types of agents from which to choose. agents are either independent or captive. Either one can properly insure your vehicles, but it’s good to learn how they differ since it can impact buying decisions.

Captive Agents

Captive agents can only place business with one company like State Farm, Allstate and AAA. They are unable to provide prices from multiple companies so they have no alternatives for high prices. Captive agencies are very knowledgeable on their company’s products and that can be a competitive advantage. Some people will only buy insurance from these agents partially due to high brand loyalty and solid financial strength.

Independent Agents (or Brokers)

Independent insurance agents do not work for one specific company so they have the ability to put coverage amongst many companies enabling the ability to shop coverage around. To transfer your coverage to a different company, they simply move the coverage in-house and that require little work on your part.

When comparing rates, it’s recommended you contact multiple independent agents for the best price selection. They often place coverage with different regional companies which may provide better rates.

For a full directory of car insurance agents, visit this page.

Avenger insurance rates

After getting answers to your satisfaction to your questions and locked in a price quote, it’s possible that you found an insurance agent that will insure your vehicles.

Quote more, save more

Drivers leave their current company for a number of reasons such as lack of trust in their agent, policy cancellation, policy non-renewal or delays in responding to claim requests. It doesn’t matter what your reason, switching car insurance companies can be easier than you think.

Lower-priced Dodge Avenger insurance is possible both online and also from your neighborhood agents, and you need to price shop both to have the best selection. Some insurance companies may not provide the ability to get a quote online and usually these regional insurance providers provide coverage only through local independent agents.

Throughout this article, we presented a lot of ways to get a better price on Dodge Avenger insurance. The key thing to remember is the more rate quotes you have, the better your comparison will be. Drivers may discover the lowest priced car insurance comes from a smaller regional carrier.