2008 Dodge Avenger Insurance Rates – 7 Policy Discounts

Nobody looks forward to paying for insurance, especially knowing the cost is too high. Big-name insurance companies like State Farm and Geico all claim big savings with fancy advertisements and it is difficult to avoid their marketing magic and find the best price available.

If you have insurance now or are shopping for new coverage, you can use this information to reduce the price you pay and possibly find even better coverage. Buying car insurance is not rocket science. Drivers just need to learn the tricks to shop for car insurance on the web.

Insurance Comparison Rates

There are several ways you can shop for Dodge Avenger insurance but one way is easier and takes less work. You could waste a few hours talking to insurance agencies in your area, or you can stay home and use online quoting to get rates in a matter of minutes.

All the larger companies belong to a marketplace where prospective buyers submit their information once, and each company then returns a price quote based on that data. This system prevents you from having to do quote forms for every insurance company. To submit your quote information now, click here (opens in new window).

The only drawback to getting quotes like this is you can’t choose the companies to get pricing from. If you wish to select from a list of companies to compare, we have a listing of insurance companies in your area. Click to view list.

It’s your choice how you get your quotes, but ensure you’re using apples-to-apples information with each company. If you use mixed coverages you will not be able to truly determine the lowest rate.

Don’t overlook these seven discounts

The price of auto insurance can be rather high, but there are discounts available to help offset the cost. A few discounts will automatically apply at quote time, but some must be specifically requested prior to getting the savings. If you’re not getting every credit available, you are throwing money away.

  • Employee of Federal Government – Simply working for the federal government can earn a discount up to 10% on Avenger coverage depending on your company.
  • Good Students Pay Less – A discount for being a good student can save 20 to 25%. This discount can apply well after school through age 25.
  • Theft Prevention System – Cars that have factory anti-theft systems are stolen less frequently and earn discounts up to 10%.
  • Multi-policy Discount – When you have multiple policies with one company you may earn up to 20% off your total premium.
  • Homeowners Savings – Being a homeowner may earn you a small savings because of the fact that having a home demonstrates responsibility.
  • Fewer Miles Equal More Savings – Fewer annual miles on your Dodge could qualify for better rates on cars that stay parked.
  • 55 and Retired – If you’re over the age of 55, you may receive better auto insurance rates on Avenger coverage.

It’s important to understand that some credits don’t apply to your bottom line cost. The majority will only reduce the price of certain insurance coverages like liability and collision coverage. Even though it may seem like you could get a free auto insurance policy, companies wouldn’t make money that way. Any amount of discount will bring down the cost of coverage.

For a list of insurance companies with discount auto insurance rates, click here to view.

Is my situation unique?

When buying the right insurance coverage for your personal vehicles, there is no one size fits all plan. Your needs are not the same as everyone else’s and your policy should reflect that. For example, these questions might help in determining whether or not you will benefit from professional help.

  • Is my trailer covered?
  • Is my custom paint covered by insurance?
  • What if I owe more than I can insure my car for?
  • Does coverage extend to a rental car in a foreign country?
  • Is my vehicle covered by my employer’s policy when using it for work?
  • Are my friends covered when driving my car?
  • Should I carry comprehensive and collision coverage?
  • Can I afford low physical damage deductibles?

If it’s difficult to answer those questions but one or more may apply to you, you may need to chat with a licensed insurance agent. If you don’t have a local agent, fill out this quick form or you can go here for a list of companies in your area. It’s fast, doesn’t cost anything and can provide invaluable advice.

Can switching companies really save?

Consumers get pounded daily by advertisements for cheaper car insurance from the likes of Allstate, Geico and Progressive. All the companies say the same thing that you can save if you switch your coverage to them.

How do they all make almost identical claims?

Different companies are able to cherry pick for the type of driver that is profitable for them. For instance, a preferred risk could possibly be between 25 and 40, has no tickets, and has a high credit rating. A driver who matches those parameters will get very good rates and therefore will save a lot of money.

Potential customers who don’t measure up to the requirements will be charged higher prices and ends up with business not being written. The ad wording is “customers who switch” not “everyone that quotes” save that kind of money. This is how companies can make the claims of big savings.

That is why you should get as many quotes as possible. Because you never know the company that will have the lowest Dodge Avenger insurance rates.

Auto insurance coverage breakdown

Knowing the specifics of auto insurance helps when choosing appropriate coverage at the best deductibles and correct limits. The terms used in a policy can be difficult to understand and reading a policy is terribly boring. Below you’ll find typical coverages found on the average auto insurance policy.

Collision – This coverage pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. A deductible applies and then insurance will cover the remainder.

Collision can pay for things such as colliding with another moving vehicle, driving through your garage door, damaging your car on a curb and colliding with a tree. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are older. It’s also possible to increase the deductible in order to get cheaper collision rates.

Uninsured/Underinsured Motorist coverage – Your UM/UIM coverage protects you and your vehicle’s occupants when the “other guys” either have no liability insurance or not enough. It can pay for injuries to you and your family and also any damage incurred to your Dodge Avenger.

Since a lot of drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Most of the time the UM/UIM limits do not exceed the liability coverage limits.

Comprehensive coverage – This coverage pays to fix your vehicle from damage from a wide range of events other than collision. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive can pay for things such as a broken windshield, fire damage and damage from getting keyed. The maximum payout your auto insurance company will pay is the market value of your vehicle, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Medical payments coverage and PIP – Medical payments and Personal Injury Protection insurance reimburse you for expenses like ambulance fees, dental work and EMT expenses. They are often used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. They cover both the driver and occupants and will also cover any family member struck as a pedestrian. Personal injury protection coverage is not an option in every state and gives slightly broader coverage than med pay

Coverage for liability – This provides protection from damage or injury you incur to other people or property by causing an accident. This coverage protects you from claims by other people. Liability doesn’t cover your own vehicle damage or injuries.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have liability limits of 100/300/100 that means you have a limit of $100,000 per injured person, a limit of $300,000 in injury protection per accident, and a total limit of $100,000 for damage to vehicles and property. Occasionally you may see a combined single limit or CSL that pays claims from the same limit rather than limiting it on a per person basis.

Liability can pay for claims like medical expenses, medical services, bail bonds, emergency aid and legal defense fees. How much liability should you purchase? That is a personal decision, but it’s cheap coverage so purchase as large an amount as possible.

Better coverage you can count on

Cheaper 2008 Dodge Avenger insurance can be sourced online in addition to many insurance agents, and you should be comparing both to have the best rate selection. There are still a few companies who do not provide you the ability to get quotes online and many times these small, regional companies only sell through independent insurance agents.

We covered a lot of techniques to compare insurance prices online. The most important thing to understand is the more companies you get rates for, the better your chances of lowering your rates. Consumers could even find that the biggest savings come from an unexpected company. These companies may cover specific market segments cheaper compared to the large companies like Geico and State Farm.

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