1999 Dodge Avenger Car Insurance Rates

Want better auto insurance rates for your Dodge Avenger? Trying to find better insurance prices for your Dodge Avenger can turn out to be a lot of work, but you can learn these tips to find lower rates. There are both good and bad ways to find auto insurance online and you need to know the proper way to get price quotes for a Dodge and find the cheapest rates either online or from local insurance agents.

Choosing the best insurance company for you is not that difficult. If you have a policy now or are looking for a new policy, you can follow these tips to find the best rates while maximizing coverage. Drivers only need an understanding of the most efficient way to find the lowest price online.

Finding Insurance Deals

All the larger insurance companies such as Allstate and Progressive quote insurance quotes directly from their websites. Getting online rates is quite simple as you just type in the coverages you want into a form. Behind the scenes, their system orders your credit score and driving record and generates pricing information based on these and other factors.

This makes comparing rates easy, but having to visit a lot of sites and complete many quote forms can get tiresome after awhile. But it’s absolutely necessary to perform this step if you want to find better prices.

There is an easier way!

The preferred way to locate the lowest prices is to use a quote form that gets prices from a bunch of companies at once. This type of form saves time, requires much less work on your part, and makes price shopping online much more efficient. Once the form is submitted, it gets priced and you can choose any one of the price quotes you receive. If a lower price is quoted, you can simply submit the application and buy the new coverage. The whole process takes less than 15 minutes and you’ll know if lower rates are available.

To compare rates now, click here and submit your coverage information. If you have a policy now, it’s recommended you type in deductibles and limits exactly as shown on your declarations page. This way, you are getting an apples-to-apples comparison for exact coverage.

Be sure to get all your discounts

Car insurance companies don’t list every discount in an easy-to-find place, so we took the time to find both well-publicized and also the lesser-known ways to save on car insurance. If they aren’t giving you every credit available, you’re just leaving money on the table.

  • Federal Employees – Employees or retirees of the government could cut as much as 10% off on Avenger insurance with select insurance companies.
  • Life Insurance Discount – Larger companies have lower rates if you buy auto and life insurance together.
  • Seat Belt Usage – Drivers who require all occupants to wear their seat belts can save up to 15% on the medical payments or PIP coverage costs.
  • Discount for New Cars – Adding a new car to your policy can save up to 30% due to better safety requirements for new cars.
  • Passive Restraints and Air Bags – Vehicles with factory air bags or motorized seat belts can receive discounts of more than 20%.
  • Braking Control Discount – Anti-lock brake equipped vehicles prevent accidents and therefore earn up to a 10% discount.
  • Sign Online – Some insurance companies will discount your bill up to fifty bucks for buying your policy online.
  • Theft Prevention Discount – Cars that have factory anti-theft systems are stolen less frequently and therefore earn up to a 10% discount.

As a disclaimer on discounts, some credits don’t apply to all coverage premiums. Most only apply to specific coverage prices like comp or med pay. Just because you may think it’s possible to get free car insurance, companies don’t profit that way.

For a list of providers with discount car insurance rates, follow this link.

Dodge Avenger premiums are determined by many factors

It’s important that you understand the rating factors that play a part in calculating the price you pay for auto insurance. Understanding what determines base rates allows you to make educated decisions that can help you get big savings.

  • Rates may be higher depending on your occupation – Did you know your job can affect your rates? Careers like judges, social workers and accountants have higher rates than average attributed to high stress levels and long work hours. On the flip side, jobs such as farmers, athletes and performers get better rates on Avenger insurance.
  • Higher safety ratings means cheaper insurance – Safer cars tend to have better insurance rates. Safer cars reduce injuries and better occupant protection translates into fewer and smaller insurance claims and more competitive rates for policyholders. If the Dodge Avenger earned at least an “acceptable” rating on the Insurance Institute for Highway Safety website you are probably receiving a discount.
  • Proper usage rating affects rates – Driving more miles in a year’s time the more you’ll pay to insure your vehicle. Most insurance companies charge to insure your cars determined by how the vehicle is used. Autos left parked in the garage get more affordable rates than those used for commuting. Make sure your auto insurance coverage properly reflects the proper vehicle usage. Incorrect usage on your Avenger may be wasting your money.
  • Little extras can really add up – There are a ton of extra bells and whistles you can purchase on your Avenger policy. Insurance for roadside assistance, better glass coverage and membership fees are examples of these. They may seem like a good idea when you first buy your policy, but your needs may have changed so eliminate the coverages to reduce your premium.
  • How your age affects price – More mature drivers are viewed as being more responsible, statistically cause fewer accidents and receive fewer citations. Young drivers have a tendency to be less responsible when driving therefore auto insurance rates are much higher.
  • How credit affects auto insurance rates – Having a bad credit history is a huge factor in calculating your auto insurance rates. So if your credit history is not that good, you could save money insuring your 1999 Dodge Avenger by improving your credit score. People with high credit ratings tend to be more responsible as compared to drivers with lower credit scores.
  • Discounts for married couples – Having a wife or husband can get you a discount when buying auto insurance. Having a spouse is viewed as being more mature and responsible and it’s proven that married couples file fewer claims.
  • Never go without insurance – Driving with no insurance is a misdemeanor and as a result your rates will increase for letting your coverage have a gap. And not only will your rates increase, failure to provide proof of insurance might get you a steep fine or even jail time.

How do I know if I need professional advice?

When buying adequate coverage for your personal vehicles, there is no “perfect” insurance plan. Each situation is unique.

For example, these questions may help you determine whether or not you might need an agent’s assistance.

  • Should I buy additional glass protection?
  • Will filing a claim cost me more?
  • Does my personal policy cover me when driving out-of-state?
  • Is borrowed equipment or tools covered if stolen or damaged?
  • Does my 1999 Dodge Avenger qualify for pleasure use?
  • Am I insured when driving a different vehicle?

If you don’t know the answers to these questions but you know they apply to you, then you may want to think about talking to a licensed insurance agent. To find lower rates from a local agent, fill out this quick form. It only takes a few minutes and may give you better protection.

Can switching companies really save?

Drivers constantly see and hear ads that promise big savings by companies like Allstate and Progressive. All the ads have a common claim that you can save if you change to them.

But how can every company say the same thing?

Different companies have a preferred profile for the driver they prefer to insure. An example of a driver they prefer might be between the ages of 30 and 50, has no prior claims, and chooses high deductibles. Any new insured who meets those qualifications gets the lowest rates and as a result will probably save a lot of money.

Potential insureds who don’t qualify for the “perfect” profile will be charged more money which leads to the driver buying from a lower-cost company. The ads state “customers who switch” not “everybody who quotes” save money. That’s why insurance companies can confidently state the savings. That is why you should compare many company’s rates. You cannot predict which company will have the lowest Dodge Avenger insurance rates.

Coverages available on your policy

Understanding the coverages of a auto insurance policy helps when choosing the right coverages and the correct deductibles and limits. The coverage terms in a policy can be impossible to understand and nobody wants to actually read their policy.

Collision coverage – This coverage pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. A deductible applies then the remaining damage will be paid by your insurance company.

Collision coverage pays for things like crashing into a building, scraping a guard rail and hitting a parking meter. Collision is rather expensive coverage, so consider removing coverage from lower value vehicles. Another option is to increase the deductible to save money on collision insurance.

Comprehensive coverages – This will pay to fix damage from a wide range of events other than collision. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against things like fire damage, vandalism, damage from a tornado or hurricane, hail damage and hitting a deer. The highest amount your auto insurance company will pay is the actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Liability coverages – Liability insurance protects you from damage that occurs to other’s property or people. This coverage protects you against other people’s claims. It does not cover your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see limits of 100/300/100 that means you have $100,000 bodily injury coverage, $300,000 for the entire accident, and property damage coverage for $100,000.

Liability coverage protects against things like funeral expenses, emergency aid and legal defense fees. How much liability should you purchase? That is a personal decision, but consider buying as much as you can afford.

Uninsured and underinsured coverage – Uninsured or Underinsured Motorist coverage provides protection from other drivers when they either are underinsured or have no liability coverage at all. Covered losses include injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Since a lot of drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is a good idea.

Coverage for medical payments – Med pay and PIP coverage kick in for immediate expenses for things like hospital visits, EMT expenses, X-ray expenses and rehabilitation expenses. They can be used to cover expenses not covered by your health insurance plan or if you do not have health coverage. Medical payments and PIP cover all vehicle occupants and also covers if you are hit as a while walking down the street. PIP coverage is not universally available and may carry a deductible

Cheaper insurance is a realistic goal

Budget-conscious 1999 Dodge Avenger insurance is definitely available on the web and with local insurance agents, so you should compare both to have the best rate selection. Some insurance companies do not offer you the ability to get quotes online and most of the time these smaller companies sell through independent agents.

You just read a lot of techniques to save on insurance. The key concept to understand is the more price quotes you have, the higher your chance of finding lower rates. Consumers could even find that the best price on insurance is with some of the lesser-known companies.

When trying to cut insurance costs, it’s not a good idea to sacrifice coverage to reduce premiums. In too many instances, an accident victim reduced full coverage and learned later that it was a big mistake. The ultimate goal is to find the BEST coverage at an affordable rate.

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