View 1998 Dodge Avenger Insurance Rates

Searching for cheaper insurance coverage rates for your Dodge Avenger? No one in their right mind likes having to buy insurance coverage, especially when the cost is way too high.

Companies like Allstate, Progressive and Geico all claim big savings, bombarding you with fancy advertisements and consumers find it hard to avoid their marketing magic and find the best price available.

If you have car insurance now, you should be able to lower your premiums substantially using this information. Finding the best rates is not rocket science. But consumers must understand the way insurance companies market on the web and take advantage of how the system works.

Pay less for 1998 Dodge Avenger insurance

Properly insuring your vehicles can get expensive, but you may find discounts that you may not know about. Some trigger automatically when you get a quote, but lesser-known reductions have to be asked about prior to receiving the credit.

  • Payment Discounts – If you pay your bill all at once instead of paying each month you could save up to 5%.
  • Drivers Ed for Students – Require your teen driver to successfully complete driver’s ed class if offered at their school.
  • Homeowners Savings – Owning a home may trigger a car insurance policy discount because maintaining a house is proof that your finances are in order.
  • Lower Rates for Military – Being on active duty in the military could be rewarded with lower premiums.
  • Discount for Life Insurance – Companies who offer life insurance give lower rates if you buy life insurance from them.
  • Multi-car Discount – Having more than one vehicle on one policy qualifies for this discount.
  • Safe Driver Discount – Drivers who don’t get into accidents may save up to 50% more on Avenger insurance than less cautious drivers.

As a disclaimer on discounts, some credits don’t apply to the overall cost of the policy. A few only apply to specific coverage prices like medical payments or collision. So despite the fact that it appears it’s possible to get free car insurance, it doesn’t quite work that way. But any discount will reduce the amount you have to pay.

To see a list of insurance companies with discount car insurance rates, click this link.

Where Can I Get Cheap Auto Insurance?

When shopping for auto insurance there are multiple ways of comparing rate quotes from local auto insurance companies. The fastest way to compare 1998 Dodge Avenger insurance prices is to get quotes online. This is very easy and can be done in a couple of different ways.

  1. The most efficient way to get the best comparison quotes is to use a rate comparison form (click to open form in new window). This easy form keeps you from doing separate forms for each company you want a rate for. A single form will get you rate comparisons direct from many companies.
  2. A more time consuming way to compare prices requires a visit to the website for every company you want to comare to request a price quote. For example, we’ll pretend you want rates from Allstate, Farmers and State Farm. To get rate quotes you would need to go to every website and enter your policy data, which is why the first method is quicker. For a handy list of car insurance company links in your area, click here.
  3. The most time-consuming way to compare rates is driving around to different agent offices. Buying insurance online can eliminate the need for a local agent unless you want the professional guidance only provided by licensed agents. However, consumers can get prices online and still use a local agent and you’ll learn how to do that later.

It’s up to you how you get prices quotes, just double check that you are using identical coverages for each comparison quote. If you compare differing limits it’s impossible to determine the lowest rate for your Dodge Avenger. Quoting even small variations in coverage limits could mean much higher rates. And when comparison shopping, comparing more company’s prices will increase your chances of finding a better price.

Tailor your coverage to you

When buying the right insurance coverage, there really is not a perfect coverage plan. Every insured’s situation is different so this has to be addressed. For instance, these questions can aid in determining whether or not you might need an agent’s assistance.

  • Who is covered when they drive my 1998 Dodge Avenger?
  • Why am I required to get a high-risk car insurance policy?
  • What happens if I owe more than my 1998 Dodge Avenger is worth?
  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • Does my policy cover me when driving someone else’s vehicle?
  • Should I buy more coverage than the required minimum liability coverage?
  • Does medical payments coverage apply to all occupants?
  • What is the rate difference between pleasure use and commuting?

If you can’t answer these questions then you might want to talk to an insurance agent. To find lower rates from a local agent, fill out this quick form or go to this page to view a list of companies.

Coverage specifics

Learning about specific coverages of a car insurance policy can be of help when determining appropriate coverage and proper limits and deductibles. Car insurance terms can be difficult to understand and even agents have difficulty translating policy wording. Below you’ll find the usual coverages offered by car insurance companies.

Comprehensive or Other Than Collision

This coverage will pay to fix damage that is not covered by collision coverage. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for things such as theft, hitting a bird, vandalism, hitting a deer and a tree branch falling on your vehicle. The maximum amount your car insurance company will pay is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Medical costs insurance

Personal Injury Protection (PIP) and medical payments coverage reimburse you for immediate expenses for surgery, EMT expenses, nursing services and X-ray expenses. They are often utilized in addition to your health insurance policy or if there is no health insurance coverage. Coverage applies to you and your occupants and also covers being hit by a car walking across the street. Personal injury protection coverage is not universally available and gives slightly broader coverage than med pay

Collision insurance

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

Collision insurance covers things such as crashing into a building, crashing into a ditch, rolling your car, colliding with another moving vehicle and sustaining damage from a pot hole. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are older. You can also raise the deductible in order to get cheaper collision rates.

UM/UIM Coverage

This protects you and your vehicle when other motorists are uninsured or don’t have enough coverage. Covered claims include medical payments for you and your occupants and damage to your 1998 Dodge Avenger.

Since a lot of drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. So UM/UIM coverage is very important. Frequently your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.

Liability insurance

Liability coverage will cover damages or injuries you inflict on people or other property. This coverage protects you from claims by other people, and doesn’t cover your injuries or vehicle damage.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have policy limits of 100/300/100 that translate to $100,000 in coverage for each person’s injuries, a total of $300,000 of bodily injury coverage per accident, and a limit of $100,000 paid for damaged property. Occasionally you may see one number which is a combined single limit which limits claims to one amount rather than limiting it on a per person basis.

Liability insurance covers things such as structural damage, bail bonds, repair bills for other people’s vehicles and legal defense fees. How much liability should you purchase? That is your choice, but it’s cheap coverage so purchase as high a limit as you can afford.

A fool and his money are soon parted

We just showed you a lot of information how to compare 1998 Dodge Avenger insurance prices online. The key concept to understand is the more times you quote, the higher your chance of finding lower rates. Consumers may even find the lowest rates come from the least-expected company. They often have lower prices on specific markets as compared to the big name companies such as Progressive and Geico.

The cheapest insurance can be sourced on the web and also from your neighborhood agents, and you need to price shop both to get a complete price analysis. Some insurance coverage companies may not provide the ability to get a quote online and many times these small insurance companies only sell through independent insurance agents.

More tips and info about insurance coverage is available by following these links: