Compare 2011 Dodge Avenger Car Insurance Quotes

Want better car insurance rates for your Dodge Avenger? Shopping for the most affordable car insurance on the internet may be rather challenging for consumers not familiar with price shopping online. When there are so many companies in the marketplace, how can consumers effectively compare every company to locate the lowest price available?

It’s a good habit to check car insurance prices on a regular basis because rates are rarely the same from one policy term to another. Despite the fact that you may have had the lowest price on Avenger insurance on your last policy there may be better deals available now. Forget anything you know (or think you know) about car insurance because we’re going to demonstrate how to use the internet to eliminate unnecessary coverages and save money.

How to Buy Insurance Online

Shopping for lower insurance rates can be exhausting if you don’t understand the easiest way. You can spend countless hours driving to agents in your area, or you could use the internet to get rates in a matter of minutes.

Most car insurance companies take part in a program where prospective buyers enter their coverage request one time, and every company then gives them pricing based on the submitted data. This system prevents you from having to do quote requests for every insurance company.

To fill out one form to compare multiple rates now click here (opens in new window).

One minor caviat to using this type of form is you don’t know exactly the insurers to get quotes from. If you prefer to choose specific providers to receive pricing from, we put together a list of insurance companies in your area. Click here for list of insurance companies.

It’s up to you how you get prices quotes, just ensure you’re using apples-to-apples coverage limits for every quote you compare. If you compare higher or lower deductibles it will be impossible to find the best deal for your Dodge Avenger. Just a small difference in insurance coverages may result in large price differences. It’s important to know that obtaining a wide range of quotes gives you a better chance of getting the best offered rates.

Save 15 percent in 15 minutes? Is it for real?

Insurance coverage providers like 21st Century, Allstate and State Farm consistently run ads on TV and radio. They all make the same claim about savings if you change to them. How does each company make the same claim?

Different companies have a preferred profile for the type of driver they prefer to insure. For example, a driver they prefer might be profiled as over the age of 40, is a homeowner, and has a short commute. A customer who meets those qualifications will get very good rates and is almost guaranteed to save when they switch companies.

Potential insureds who don’t measure up to this ideal profile will be charged higher rates and this can result in the driver buying from a lower-cost company. Company advertisements say “customers that switch” not “people who quote” save that much. That’s why companies can claim big savings. That is why you should get as many quotes as possible. It’s not possible to predict which insurance companies will give you the biggest savings on Dodge Avenger insurance.

Discounts on Dodge Avenger insurance

Auto insurance companies don’t necessarily list every available discount in an easy-to-find place, so we took the time to find both well-publicized as well as the least known ways to save on auto insurance.

  • Anti-theft System – Anti-theft and alarm systems can help prevent theft and will save you 10% or more.
  • Seat Belt Usage – Requiring all passengers to wear their seat belts can save up to 15% on the medical payments or PIP coverage costs.
  • Driver Safety – Completing a course teaching defensive driving skills can save you 5% or more depending on where you live.
  • Drive Safe and Save – Drivers who avoid accidents can pay as much as 50% less on Avenger insurance than less cautious drivers.
  • Homeowners Savings – Being a homeowner may trigger a auto insurance policy discount because maintaining a house requires personal responsibility.
  • Military Discounts – Being on active duty in the military may qualify for rate reductions.
  • Senior Citizens – If you qualify as a senior citizen, you can possibly qualify for a discount up to 10% on Avenger insurance.
  • Passive Restraint Discount – Vehicles with factory air bags may earn rate discounts of up to 25% or more.
  • Payment Discounts – If you pay your entire premium ahead of time instead of paying each month you could save up to 5%.
  • Drivers Ed for Students – Have your child complete a driver education course if it’s offered in school.

It’s important to note that many deductions do not apply to your bottom line cost. Most cut individual premiums such as collision or personal injury protection. So when the math indicates you could get a free auto insurance policy, companies don’t profit that way.

Companies who might offer these benefits may include but are not limited to:

It’s a good idea to ask each insurance company how you can save money. Discounts may not apply in your area.

Tailor your coverage to you

When buying proper insurance coverage, there is no best way to insure your cars. Coverage needs to be tailored to your specific needs.

For instance, these questions can aid in determining whether your personal situation might need an agent’s assistance.

  • Am I covered when renting a car or should I buy coverage from the car rental agency?
  • Do I need rental car coverage?
  • Do I have newly-aquired coverage?
  • Can I afford to pay high deductible claims out of pocket?
  • Should I drop comprehensive coverage on older vehicles?
  • Am I covered by my employer’s commercial auto policy when driving my personal car for business?
  • I have a DUI can I still get coverage?
  • Should I buy more coverage than the required minimum liability coverage?
  • What companies insure drivers after a DUI or DWI?
  • Am I covered if I wreck a rental car?

If you’re not sure about those questions but a few of them apply, you might consider talking to a licensed insurance agent. To find an agent in your area, simply complete this short form.

Coverages available on your insurance policy

Knowing the specifics of your insurance policy can help you determine which coverages you need for your vehicles. Policy terminology can be impossible to understand and even agents have difficulty translating policy wording.

Insurance for medical payments

Medical payments and Personal Injury Protection insurance provide coverage for short-term medical expenses for things like EMT expenses, X-ray expenses and rehabilitation expenses. The coverages can be used to cover expenses not covered by your health insurance program or if you lack health insurance entirely. Medical payments and PIP cover both the driver and occupants and will also cover any family member struck as a pedestrian. PIP is not available in all states but can be used in place of medical payments coverage

Uninsured Motorist or Underinsured Motorist insurance

Your UM/UIM coverage gives you protection from other drivers when they either have no liability insurance or not enough. It can pay for injuries sustained by your vehicle’s occupants and also any damage incurred to your Dodge Avenger.

Because many people only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is a good idea.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance coverage will pay to fix damage from a wide range of events other than collision. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers things such as damage from getting keyed, fire damage and damage from a tornado or hurricane. The highest amount you can receive from a comprehensive claim is the market value of your vehicle, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Coverage for collisions

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

Collision can pay for claims such as sustaining damage from a pot hole, damaging your car on a curb, driving through your garage door, hitting a parking meter and colliding with a tree. Collision coverage makes up a good portion of your premium, so consider dropping it from lower value vehicles. It’s also possible to choose a higher deductible to bring the cost down.

Liability coverages

This coverage provides protection from damage that occurs to people or other property in an accident. It protects you from claims by other people. Liability doesn’t cover damage sustained by your vehicle in an accident.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see values of 100/300/100 which means a limit of $100,000 per injured person, a limit of $300,000 in injury protection per accident, and $100,000 of coverage for damaged propery.

Liability coverage protects against things like emergency aid, pain and suffering, structural damage, loss of income and funeral expenses. The amount of liability coverage you purchase is up to you, but buy as large an amount as possible.

More effort can pay off

Drivers who switch companies do it for a variety of reasons including policy cancellation, being labeled a high risk driver, unfair underwriting practices and even an unsatisfactory settlement offer. Regardless of your reason for switching companies, finding a great new company is not as hard as you think.

Budget-conscious 2011 Dodge Avenger insurance is attainable on the web as well as from independent agents, and you need to price shop both to have the best rate selection. A few companies don’t offer online quoting and these smaller companies work with independent agents.

We just showed you many tips how you can save on insurance. It’s most important to understand that the more providers you compare, the better your comparison will be. Consumers may even find the lowest premiums are with a small local company.

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