2013 Dodge Avenger Car Insurance Rates – 10 Tips to Save

Buyers have lots of choices when searching for affordable Dodge Avenger insurance. They can either waste time driving around to compare prices or save time using the internet to make rate comparisons.

There are more efficient ways to find insurance online so we’re going to tell you the absolute fastest way to quote coverages for a new or used Dodge and locate the best price possible from both online companies and local agents.

It’s a good habit to do rate comparisons at least once a year due to the fact that insurance rates are rarely the same from one policy term to another. Just because you found the best price on Avenger coverage a couple years back you will most likely find a better rate today. Ignore everything you know about insurance because I’m going to let you in on the secrets to the fastest and easiest way to lower your rates without sacrificing coverage.

If you are insured now or need new coverage, you can learn to reduce the price you pay while maintaining coverages. This article will let you in on how to get online quotes and some tips to save money. Drivers just need to understand how to compare price quotes online.

Which Insurance is Cheapest?

Getting a cheaper price on 2013 Dodge Avenger insurance can be relatively painless. You just have to spend a few minutes comparing rates provided by online insurance companies. This can be accomplished in just a few minutes using one of these methods.

One of the simplest ways to find low rates is to use a rate comparison form click here to open form in new window. This method saves time by eliminating boring form submissions to each individual insurance company. One form compares rates from multiple companies. This is by far the quickest method.

A less efficient way to get comparison quotes consists of going to the website for every company you want to comare and complete a new quote form. For example, we’ll assume you want to compare rates from Nationwide, State Farm and Allstate. To get rate quotes you would need to take the time to go to each site to enter your coverage information, which is why the first method is quicker. To view a list of companies in your area, click here.

The hardest way of getting rate comparisons is driving around to local insurance agencies. The internet has reduced the need for local agents unless you have a need for the personal advice of a licensed agent. You can, however, comparison shop online and get advice from an agent in your area. We’ll cover that shortly.

It’s up to you which method you use, but make darn sure you compare apples-to-apples deductibles and coverage limits for each price quote. If each company quotes higher or lower deductibles you will not be able to truly determine the lowest rate.

You probably qualify for some discounts

Car insurance can cost a lot, but you can get discounts to help bring down the price. A few discounts will automatically apply when you get a quote, but a few need to be manually applied before you get the savings. If you aren’t receiving every discount you deserve, you’re just leaving money on the table.

  • Service Members Pay Less – Having a family member in the military may qualify for rate reductions.
  • Safe Driver Discount – Drivers who don’t get into accidents can get discounts for up to 45% lower rates on Avenger coverage than drivers with accidents.
  • Distant Student – Children who attend school more than 100 miles from home and do not have a car may qualify for this discount.
  • Multiple Cars – Buying insurance for all your vehicles on one policy qualifies for this discount.
  • New Vehicle Savings – Adding a new car to your policy is cheaper compared to insuring an older model.
  • 55 and Retired – Older drivers can possibly qualify for better car insurance rates on Avenger coverage.
  • Drivers Ed for Students – Cut your cost by having your teen driver enroll in driver’s education if offered at their school.
  • Federal Employees – Employees or retirees of the government can save as much as 8% on Avenger coverage with a few car insurance companies.
  • Braking Control Discount – Anti-lock brake equipped vehicles can avoid accidents and will save you 10% or more.
  • Sign Online – Certain companies will discount your bill up to fifty bucks just for signing your application over the internet.

Keep in mind that most discount credits are not given to the overall cost of the policy. Most cut specific coverage prices like comprehensive or collision. So despite the fact that it appears adding up those discounts means a free policy, it just doesn’t work that way. But any discount will cut the amount you have to pay.

For a list of insurance companies offering car insurance discounts, follow this link.

There’s no such thing as the perfect policy

When it comes to buying coverage for your personal vehicles, there really is no perfect coverage plan. Coverage needs to be tailored to your specific needs.

For example, these questions may help highlight whether your personal situation might need an agent’s assistance.

  • Should I have a commercial auto policy?
  • Why do I only qualify for high-risk insurance?
  • Where can I find DUI or SR-22 insurance?
  • Am I covered if I hit my neighbor’s mailbox?
  • Is my 2013 Dodge Avenger covered for smoke damage?
  • How much liability do I need to cover my assets?
  • Do I need roadside assistance coverage?
  • Can my teen drive my company car?
  • Does my insurance cover my expensive audio equipment?
  • Do I need PIP coverage since I have good health insurance?

If it’s difficult to answer those questions, you may need to chat with a licensed insurance agent. To find an agent in your area, complete this form. It only takes a few minutes and you can get the answers you need.

Information about specific coverages

Understanding the coverages of your insurance policy can be of help when determining which coverages you need and proper limits and deductibles. Policy terminology can be difficult to understand and coverage can change by endorsement.

Uninsured/Underinsured Motorist coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle from other drivers when they either have no liability insurance or not enough. This coverage pays for injuries to you and your family and also any damage incurred to your 2013 Dodge Avenger.

Due to the fact that many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Usually your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.

Comprehensive coverage

This coverage pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for things such as damage from getting keyed, damage from flooding and vandalism. The most a insurance company will pay at claim time 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

This coverage pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against claims like driving through your garage door, hitting a parking meter and sideswiping another vehicle. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from older vehicles. Drivers also have the option to bump up the deductible in order to get cheaper collision rates.

Liability coverage

This coverage can cover damage that occurs to other people or property in an accident. This coverage protects you from claims by other people. It does not cover your injuries or vehicle damage.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see values of 25/50/25 which stand for $25,000 bodily injury coverage, a per accident bodily injury limit of $50,000, and $25,000 of coverage for damaged propery. Occasionally you may see a combined limit which provides one coverage limit rather than limiting it on a per person basis.

Liability can pay for things like medical services, emergency aid and repair costs for stationary objects. How much liability should you purchase? That is your choice, but consider buying as much as you can afford.

Medical payments coverage and PIP

Medical payments and Personal Injury Protection insurance reimburse you for expenses such as rehabilitation expenses, pain medications, EMT expenses and doctor visits. The coverages can be used to cover expenses not covered by your health insurance program or if you lack health insurance entirely. It covers all vehicle occupants in addition to any family member struck as a pedestrian. Personal injury protection coverage is not an option in every state but can be used in place of medical payments coverage

A penny earned…

Drivers leave their current company for many reasons like high prices, extreme rates for teen drivers, being labeled a high risk driver or poor customer service. Regardless of your reason, switching companies is easier than you think.

When buying insurance coverage, do not buy less coverage just to save a little money. There are too many instances where drivers have reduced physical damage coverage to discover at claim time that saving that couple of dollars actually costed them tens of thousands. Your goal should be to buy the best coverage you can find at the best price, not the least amount of coverage.

In this article, we presented many ideas to save on 2013 Dodge Avenger insurance. The key thing to remember is the more companies you get rates for, the higher the chance of saving money. Consumers may even find the most savings is with a small local company.

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