1997 Dodge Avenger Insurance Rates

Expensive insurance coverage can overdraw your savings account and put the squeeze on your family’s finances. Doing a price comparison is a great way to tighten up your finances. You have so many auto insurance companies to insure vehicles with, and though it is a good thing to have a choice, it can be more difficult to find the best rates.

Choosing the best insurance company for you is quite easy. If you have car insurance now, you stand a good chance to be able to lower your premiums substantially using these tips. Vehicle owners only need an understanding of how to compare rates online.

Lots of discounts mean lots of savings

Companies offering auto insurance don’t list all their discounts in an easy-to-find place, so we break down some of the more common as well as the least known ways to save on insurance coverage. If they aren’t giving you every credit you qualify for, you’re paying more than you need to.

  • Government Employees – Active or retired federal employment may qualify you for a discount for Avenger coverage depending on your company.
  • Multi-policy Discount – If you insure your home and vehicles with the same insurance company you may earn up to 20% off your total premium.
  • Senior Citizens – Mature drivers can possibly qualify for reduced rates for Avenger coverage.
  • Passive Restraints – Vehicles equipped with air bags or automatic seat belts can receive discounts of up to 25% or more.
  • Pay Upfront and Save – If paying your policy premium upfront instead of making monthly payments you could save up to 5%.
  • Lower Rates for Military – Being on active duty in the military could be rewarded with lower premiums.
  • Driver Safety – Taking a course in driver safety could possibly earn you a 5% discount and easily recoup the cost of the course.
  • Drivers Ed for Students – Have your child successfully complete driver’s ed class if offered at their school.

It’s important to note that some of the credits will not apply to all coverage premiums. A few only apply to the price of certain insurance coverages like physical damage coverage or medical payments. So when it seems like all the discounts add up to a free policy, it just doesn’t work that way.

To see a list of providers with the best insurance coverage discounts, follow this link.

Situations that might require an agent

When it comes to choosing the right insurance coverage for your vehicles, there really is not a cookie cutter policy. Everyone’s situation is a little different and a cookie cutter policy won’t apply. These are some specific questions might help in determining whether you would benefit from an agent’s advice.

  • Which is better, split liability limits or combined limits?
  • Why does it cost so much to insure a teen driver?
  • Does having multiple vehicles earn me a discount?
  • Does my medical payments coverage pay my health insurance deductible?
  • What is the minimum liability in my state?
  • Can my teen drive my company car?
  • Should I drop comprehensive coverage on older vehicles?

If you’re not sure about those questions but one or more may apply to you, you might consider talking to a licensed insurance agent. If you don’t have a local agent, simply complete this short form or you can go here for a list of companies in your area. It’s fast, free and can provide invaluable advice.

Slick advertising tricks that work

Consumers constantly see and hear ads for cheaper car insurance by Progressive, Geico, Allstate and State Farm. All the companies say the same thing that you’ll save big if you move to their company.

How does each company make almost identical claims?

Different companies can use profiling for the type of customer that makes them money. For example, a driver they prefer might be profiled as a mature driver, has no prior claims, and has a high credit rating. Any driver who fits that profile will get the preferred rates and therefore will save when switching.

Consumers who don’t meet the requirements will be charged higher rates which usually ends up with business going elsewhere. The ad wording is “customers that switch” not “everyone that quotes” save that kind of money. That is how insurance companies can confidently make those claims. That is why it’s extremely important to get as many comparisons as possible. It’s impossible to know the company that will give you the biggest savings on Dodge Avenger insurance.

The coverage is in the details

Learning about specific coverages of your policy helps when choosing the right coverages and the correct deductibles and limits. Car insurance terms can be confusing and reading a policy is terribly boring. Listed below are the usual coverages offered by car insurance companies.

Auto liability – This provides protection from damages or injuries you inflict on other’s property or people that is your fault. It protects you against other people’s claims, and does not provide coverage for 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 liability limits of 50/100/50 that means you have a $50,000 limit per person for injuries, a limit of $100,000 in injury protection per accident, and a total limit of $50,000 for damage to vehicles and property.

Liability insurance covers things such as loss of income, repair costs for stationary objects, attorney fees, emergency aid and medical services. The amount of liability coverage you purchase is a personal decision, but you should buy higher limits if possible.

Medical payments coverage and PIP – Medical payments and Personal Injury Protection insurance reimburse you for bills like hospital visits, funeral costs, rehabilitation expenses and doctor visits. They are used in conjunction with a health insurance program or if you are not covered by health insurance. They cover not only the driver but also the vehicle occupants as well as any family member struck as a pedestrian. Personal injury protection coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage

Uninsured/Underinsured Motorist coverage – Your UM/UIM coverage protects you and your vehicle from other drivers when they either are underinsured or have no liability coverage at all. It can pay for injuries to you and your family as well as your vehicle’s damage.

Because many people have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Comprehensive coverage – Comprehensive insurance coverage covers damage OTHER than collision with another vehicle or object. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive coverage protects against claims like hitting a deer, rock chips in glass, fire damage, damage from flooding and damage from getting keyed. The most your car insurance company will pay is the actual cash value, so if the vehicle’s value is low consider dropping full coverage.

Collision coverages – Collision coverage pays to fix your vehicle from damage resulting from a collision with a stationary object or other vehicle. You first must pay a deductible and then insurance will cover the remainder.

Collision can pay for claims such as sustaining damage from a pot hole, hitting a mailbox, damaging your car on a curb, colliding with another moving vehicle and crashing into a building. Collision coverage makes up a good portion of your premium, so you might think about dropping it from lower value vehicles. It’s also possible to choose a higher deductible to get cheaper collision coverage.

You can do this!

As you shop your coverage around, it’s very important that you do not buy lower coverage limits just to save a few bucks. In many cases, someone dropped physical damage coverage and discovered at claim time that it was a big mistake. The proper strategy is to buy the best coverage you can find at an affordable rate.

In this article, we presented a lot of information how to compare 1997 Dodge Avenger insurance prices online. The key thing to remember is the more rate quotes you have, the better your chances of lowering your rates. You may even find the lowest premiums are with a smaller regional carrier. These smaller insurers often have lower prices on specific markets than the large multi-state companies such as State Farm, Geico and Nationwide.

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