1995 Dodge Avenger Insurance Quotes – 5 Tricks for Cheaper Rates

Nobody I know enjoys paying for insurance coverage, especially knowing their premiums are through the roof.

Companies like State Farm, Allstate, Geico and Progressive constantly blast consumers with fancy advertisements and consumers find it hard to see through the deception and find the best price available.

If you currently have car insurance, you will be able to cut costs considerably using these tips. Finding affordable coverage is not rocket science. Although consumers do need to understand the methods companies use to price online insurance because it can help you find the best coverage.

The best way we recommend to compare rate quotes takes advantage of the fact most of the larger companies participate in a system to give free rates quotes. The only thing you need to do is spend a couple of minutes providing details such as the year, make and model of vehicles, level of coverage desired, whether you have decent credit, and if it has an alarm system. That information gets transmitted to all major companies and you should receive rate quotes within a short period of time.

To compare rates now, click here and enter the information requested.

Beware of misleading insurance coverage ads

Insurance coverage companies such as Allstate and Progressive constantly bombard you with ads in print and on television. They all seem to say the same thing that you can save if you switch your coverage to them. But how can every company make the same claim? It’s all in the numbers.

Insurance companies can use profiling for the type of customer that makes them money. For instance, a desirable insured might be profiled as a mature driver, has no prior claims, and has a high credit rating. Any driver who meets those qualifications gets the lowest rates and most likely will save when switching.

Potential insureds who don’t meet this ideal profile will be charged a more expensive rate which usually ends up with the customer not buying. The ad wording is “customers who switch” but not “drivers who get quotes” save that much. That’s why insurance companies can confidently state the savings.

That is why it’s extremely important to quote coverage with many companies. It’s impossible to know which insurance companies will have the lowest Dodge Avenger insurance rates.

Don’t overlook these five discounts

Car insurance can cost a lot, but there could be available discounts that you may not know about. Some discounts apply automatically when you quote, but a few must be inquired about prior to getting the savings.

  • Resident Student – Any of your kids living away from home attending college and do not have a car can be insured at a reduced rate.
  • Lower Rates for Military – Having a deployed family member could mean lower rates.
  • Federal Employees – Active or retired federal employment could cut as much as 10% off on Avenger insurance depending on your company.
  • Memberships – Being a member of a qualifying organization is a good way to get lower rates when shopping for auto insurance on Avenger insurance.
  • Fewer Miles Equal More Savings – Keeping the miles down on your Dodge could qualify for a substantially lower rate.

It’s important to note that some credits don’t apply the the whole policy. Some only apply to the cost of specific coverages such as liability, collision or medical payments. Even though it may seem like it’s possible to get free car insurance, companies don’t profit that way. But all discounts will help reduce the amount you have to pay.

To see a list of providers offering auto insurance discounts, click here to view.

Is my situation unique?

When choosing the right insurance coverage for your vehicles, there is no one size fits all plan. Every insured’s situation is different so your insurance should reflect that These are some specific questions may help you determine whether or not you will benefit from professional help.

  • Should I file a claim if it’s only slightly more than my deductible?
  • What should my uninsured motorist coverage limits be in my state?
  • What happens if I owe more than my 1995 Dodge Avenger is worth?
  • Is upholstery damage covered by car insurance?
  • Which is better, split liability limits or combined limits?
  • Is my babysitter covered when using my vehicle?

If you can’t answer these questions but a few of them apply, then you may want to think about talking to a licensed insurance agent. If you don’t have a local agent, complete this form or you can go here for a list of companies in your area.

Insurance coverage options for a Dodge Avenger

Understanding the coverages of your insurance policy can help you determine appropriate coverage for your vehicles. Policy terminology can be confusing and even agents have difficulty translating policy wording. These are the normal coverages found on most insurance policies.

Medical payments and PIP coverage

Coverage for medical payments and/or PIP reimburse you for bills such as chiropractic care, doctor visits, funeral costs and surgery. The coverages can be used to fill the gap from your health insurance program or if there is no health insurance coverage. It covers not only the driver but also the vehicle occupants and will also cover getting struck while a pedestrian. Personal injury protection coverage is only offered in select states but can be used in place of medical payments coverage

Liability auto insurance

Liability insurance protects you from damages or injuries you inflict on other people or property in an accident. It protects you against other people’s claims, and doesn’t cover damage sustained by your vehicle in an accident.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see limits of 25/50/25 that means you have $25,000 in coverage for each person’s injuries, $50,000 for the entire accident, and property damage coverage for $25,000. Alternatively, you may have one limit called combined single limit (CSL) which limits claims to one amount and claims can be made without the split limit restrictions.

Liability can pay for things such as medical services, pain and suffering, legal defense fees, emergency aid and structural damage. The amount of liability coverage you purchase is up to you, but buy as high a limit as you can afford.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Your UM/UIM coverage protects you and your vehicle’s occupants from other drivers when they are uninsured or don’t have enough coverage. Covered claims include injuries to you and your family and damage to your Dodge Avenger.

Because many people only carry the minimum required liability limits, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Most of the time the UM/UIM limits are similar to your liability insurance amounts.

Auto collision coverage

This coverage pays to fix your vehicle from damage resulting from a collision with a stationary object or other vehicle. You have to pay a deductible then your collision coverage will kick in.

Collision insurance covers claims such as driving through your garage door, colliding with a tree and sustaining damage from a pot hole. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from older vehicles. You can also raise the deductible in order to get cheaper collision rates.

Comprehensive auto coverage

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

Comprehensive can pay for things such as damage from flooding, fire damage and vandalism. The highest amount you’ll receive from a claim is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Be Smart and Buy Smart

Cost effective 1995 Dodge Avenger insurance is attainable on the web and with local insurance agents, and you should compare price quotes from both to have the best chance of lowering rates. Some insurance companies do not offer online price quotes and many times these smaller companies only sell through independent insurance agents.

As you prepare to switch companies, it’s very important that you do not buy lower coverage limits just to save a few bucks. There are a lot of situations where drivers have reduced liability coverage limits only to discover later that a couple dollars of savings turned into a financial nightmare. Your goal should be to get the best coverage possible at the best price while still protecting your assets.

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