Compare 2009 Dodge Avenger Insurance Rates

Shopping for cheap car insurance online is difficult for consumers not familiar with online price comaprisons. Since there are so many insurers to choose from, how can you effectively compare every company to locate the lowest rates?

You should take the time to get comparison quotes before your policy renews because insurance rates are constantly changing. Even if you got the best price on Avenger insurance a few years ago you can probably find a better price now. Starting right now, ignore everything you know about car insurance because I’m going to teach you how to use the internet to reduce your cost while increasing coverage.

If you have car insurance now, you stand a good chance to be able to save some money using these techniques. Pricing affordable insurance can be fairly easy. But consumers must know how big insurance companies sell insurance online and take advantage of how the system works.

How to Buy Car Insurance Online

Performing a rate comparison can be a daunting task if you don’t utilize the easiest way. You could spend your day driving to insurance companies in your area, or you could use the web to get rate comparisons in just a few minutes.

Many insurance companies participate in an industry program where insurance shoppers enter their coverage request one time, and every company returns a competitive quote based on the submitted data. This saves time by eliminating repetitive form submissions to every company. To use this form to compare 2009 Dodge Avenger insurance rates click here to start a free quote.

One minor caviat to getting quotes like this is you can’t choose the insurers to get pricing from. So if you prefer to pick from a list of companies to compare, we have a listing of companies who write car insurance in your area. Click here to view list.

However you get your quotes, make sure you use the exact same coverages and limits for every company. If you are comparing higher or lower deductibles you can’t possibly find the best deal for your Dodge Avenger. Slightly different insurance coverages may cause a big price difference. And when comparing car insurance rates, know that obtaining a wide range of quotes helps you find lower pricing.

Impacting insurance rates for a Dodge Avenger

Consumers need to have an understanding of the factors that help determine the rates you pay for auto insurance. Understanding what controls the rates you pay enables informed choices that may reward you with big savings.

  • Younger drivers pay higher rates – Youthful drivers are statistically proven to be more careless when behind the wheel so they pay higher auto insurance rates. Older insureds are viewed as being more responsible, statistically cause fewer accidents and tend to be better behind the wheel.
  • Pay less if you’re married – Getting married actually saves money when buying auto insurance. It translates into being more mature than a single person and statistics show married drivers get in fewer accidents.
  • Do you need those extra coverages? – There are quite a few extra bells and whistles that you can buy on your Avenger policy. Things like roadside assistance, towing coverage and membership fees are some examples. They may seem good at first, but your needs may have changed so remove them from your policy.
  • Increase deductibles and save – The deductibles define the amount you are willing to pay before your auto insurance pays a claim. Physical damage coverage, termed comprehensive and collision coverage on your policy, covers damage that occurs to your car. Examples of covered claims are running into the backend of another car, collision with an animal, and windstorm damage. The more money you’re willing to pay, the less your company will charge you for insurance on Avenger insurance.
  • Liability insurance protects assets – The liability section of your policy will protect you if ever a court rules you are at fault for personal injury or accident damage. It provides for a legal defense which can be incredibly expensive. This coverage is very inexpensive compared to insuring for physical damage coverage, so do not skimp.
  • Safer cars are cheaper to insure – Vehicles with good safety scores are cheaper to insure. Safe vehicles reduce injuries and any reduction in injury severity translates into savings for insurance companies passed on to you as lower rates. If your Dodge Avenger has ratings of a minimum four stars on Safercar.gov or an “acceptable” rating on iihs.org it may be receiving lower rates.

Discounts are great for lower rates

Companies that sell car insurance don’t always publicize every discount in an easy-to-find place, so the following is a list of both the well known as well as the least known savings tricks you should be using.

  • Safety Course Discount – Successfully completing a course teaching defensive driving skills could save 5% or more and easily recoup the cost of the course.
  • 55 and Retired – Older drivers can possibly qualify for better insurance coverage rates on Avenger insurance.
  • Good Student – Getting good grades can save 20 to 25%. This discount can apply up to age 25.
  • New Car Discount – Adding a new car to your policy is cheaper compared to insuring an older model.
  • E-sign – A few companies will discount your bill up to fifty bucks simply for signing online.
  • Multi-car Discount – Buying coverage for more than one vehicle on the same insurance coverage policy qualifies for this discount.

It’s important to understand that most credits do not apply to the overall cost of the policy. Most only cut specific coverage prices like medical payments or collision. Just because it seems like having all the discounts means you get insurance for free, it doesn’t quite work that way.

Companies that may have these benefits may include but are not limited to:

Before buying, ask every prospective company which discounts you may be entitled to. Discounts may not be available in every state.

You may need specialized coverage

When it comes to choosing the best car insurance coverage for your personal vehicles, there really is no one size fits all plan. Your needs are not the same as everyone else’s.

For example, these questions can aid in determining whether your personal situation would benefit from an agent’s advice.

  • Does my insurance cover my expensive audio equipment?
  • Does my policy pay for OEM or aftermarket parts?
  • Should I sign the liability waiver when renting a car?
  • Should I have combined single limit or split liability limits?
  • Is other people’s property covered if stolen from my vehicle?
  • Should I drop comprehensive coverage on older vehicles?
  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • Does insurance cover tools stolen from my truck?
  • What is the rate difference between pleasure use and commuting?

If you don’t know the answers to these questions, then you may want to think about talking to a licensed insurance agent. If you want to speak to an agent in your area, take a second and complete this form.

Coverages available on your insurance policy

Having a good grasp of a insurance policy can be of help when determining the best 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.

UM/UIM Coverage – This gives you protection when other motorists are uninsured or don’t have enough coverage. This coverage pays for medical payments for you and your occupants and damage to your Dodge Avenger.

Due to the fact that many drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. So UM/UIM coverage is a good idea.

Medical costs insurance – Coverage for medical payments and/or PIP kick in for expenses for things like EMT expenses, funeral costs and doctor visits. They are used to fill the gap from your health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover all vehicle occupants and will also cover getting struck while a pedestrian. PIP coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage

Comprehensive or Other Than Collision – This coverage pays for damage caused by mother nature, theft, vandalism and other events. A deductible will apply then your comprehensive coverage will pay.

Comprehensive insurance covers claims like hail damage, a tree branch falling on your vehicle and damage from a tornado or hurricane. The highest amount a insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.

Collision coverage – This coverage covers damage to your Avenger caused by collision with an object or car. You will need to pay your deductible and then insurance will cover the remainder.

Collision coverage pays for claims like crashing into a ditch, sideswiping another vehicle, rolling your car and colliding with another moving vehicle. Paying for collision coverage can be pricey, so consider dropping it from older vehicles. Another option is to bump up the deductible to bring the cost down.

Auto liability insurance – Liability coverage can cover damages or injuries you inflict on people or other property that is your fault. It protects you from legal claims by others, and doesn’t cover 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. You commonly see policy limits of 50/100/50 which stand for $50,000 in coverage for each person’s injuries, a per accident bodily injury limit of $100,000, and a limit of $50,000 paid for damaged property.

Liability coverage pays for things such as medical expenses, medical services, structural damage and funeral expenses. The amount of liability coverage you purchase is a personal decision, but consider buying as high a limit as you can afford.

Cheaper insurance is a realistic goal

Affordable 2009 Dodge Avenger insurance can be sourced from both online companies as well as from independent agents, so you should be comparing quotes from both in order to have the best price selection to choose from. Some auto insurance companies don’t offer the ability to get a quote online and most of the time these smaller companies sell through independent agents.

As you shop your coverage around, it’s not a good idea to buy lower coverage limits just to save a few bucks. In many cases, an insured dropped comprehensive coverage or liability limits and learned later that it was a big error on their part. Your strategy should be to buy enough coverage at a price you can afford.

People who switch companies do it for a number of reasons such as policy cancellation, an unsatisfactory settlement offer, being labeled a high risk driver or even high rates after DUI convictions. It doesn’t matter why you want to switch switching companies can be pretty painless.

More detailed auto insurance information can be read in the articles below: