1995 Dodge Avenger Insurance Quotes

Scraping up a payment for expensive Dodge Avenger insurance can take a big chunk out of your savings account and maybe even restrict other spending.

Popular companies such as GEICO and Progressive increase brand awareness with ad campaigns and it is difficult to avoid their marketing magic and do the work needed to find the best deal.

If you currently have a car insurance policy, you stand a good chance to be able to save some money using these tips. Finding the best rates is quite easy. Nevertheless, vehicle owners need to learn how companies compete online and use this information to your advantage.

First Step: Get free auto insurance quotes

There are a lot of ways to compare auto insurance quotes, but there is one way that is less labor-intensive and much quicker. You could spend your day driving to local insurance agents in your area, or you could save time and use online quotes to get rates in a matter of minutes.

Many of the larger companies are enrolled in a marketplace that allows shoppers to only type in their quote data once, and each participating company then returns a price quote based on the submitted data. This saves time by eliminating form submissions to every company. To compare rates using this form now click to open in new window.

One minor caviat to doing it this way is that consumers can’t choose which providers you want to price. If you prefer to choose individual companies to receive pricing from, we have a listing of the cheapest auto insurance companies in your area. Click here for list of insurance companies.

However you get your quotes, ensure you are comparing exactly the same quote information for each quote you get. If you enter different liability limits you will not be able to make an equal comparison. Just a small difference in insurance coverages may cause a big price difference. Keep in mind that comparing a wide range of rates helps you find better pricing.

Earn discounts to get lower-cost insurance rates

The price of auto insurance can be rather high, but you may qualify for discounts that many consumers don’t even know exist. Some trigger automatically at the time of purchase, but some must be specially asked for before you get the savings.

  • Accident Free – Insureds with no claims or accidents get the best insurance rates in comparison to policyholders that have many claims.
  • Professional Organizations – Having an affiliation with a qualifying organization could qualify you for a break on your next renewal.
  • Military Deployment Discount – Being deployed in the military can result in better rates.
  • College Student – Children who are enrolled in a college that is more than 100 miles from home and leave their car at home can be insured at a reduced rate.
  • ABS Brakes – Cars, trucks, and SUVs with anti-lock braking systems can stop better under adverse conditions and qualify for as much as a 10% discount.

As a sidenote, most discounts do not apply the the whole policy. Most only cut individual premiums such as liability and collision coverage. So even though it sounds like having all the discounts means you get insurance for free, insurance companies aren’t that generous.

Some companies that may include some of the above discounts are:

If you need lower rates, check with each company which discounts you may be entitled to. Some discounts listed above might not apply in your area. If you would like to see a list of insurance companies who offer free insurance quotes, follow this link.

Tailor your car insurance coverage to you

When buying the best car insurance coverage for your vehicles, there really is not a one size fits all plan. Everyone’s situation is a little different and a cookie cutter policy won’t apply. These are some specific questions may help you determine if your situation might need professional guidance.

  • Should I file a claim if it’s only slightly more than my deductible?
  • Should I get collision insurance on every vehicle?
  • Am I covered if I wreck a rental car?
  • Should I buy more coverage than the required minimum liability coverage?
  • Is other people’s property covered if stolen from my vehicle?
  • How does medical payments coverage work?

If you don’t know the answers to these questions but you know they apply to you, you may need to chat with a licensed agent. To find lower rates from a local agent, fill out this quick form or you can also visit this page to select a carrier

Detailed coverages of your insurance policy

Learning about specific coverages of your insurance policy can be of help when determining appropriate coverage and the correct deductibles and limits. Insurance terms can be ambiguous and reading a policy is terribly boring. Shown next are typical coverage types available from insurance companies.

Coverage for liability – This provides protection from damage that occurs to other people or property by causing an accident. It protects YOU against other people’s claims. It does not cover your injuries or vehicle damage.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have limits of 50/100/50 that translate to $50,000 bodily injury coverage, a total of $100,000 of bodily injury coverage per accident, and a total limit of $50,000 for damage to vehicles and property.

Liability coverage protects against claims like medical services, loss of income, emergency aid and court costs. How much liability coverage do you need? That is a personal decision, but it’s cheap coverage so purchase as high a limit as you can afford.

Medical expense insurance – Medical payments and Personal Injury Protection insurance pay for bills for things like funeral costs, doctor visits and rehabilitation expenses. They are often used to cover expenses not covered by your health insurance plan or if you are not covered by health insurance. They cover not only the driver but also the vehicle occupants in addition to getting struck while a pedestrian. Personal injury protection coverage is not available in all states but can be used in place of medical payments coverage

Collision – Collision insurance pays to fix your vehicle from damage caused by collision with another car or object. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against things such as crashing into a ditch, sustaining damage from a pot hole, crashing into a building, colliding with another moving vehicle and scraping a guard rail. This coverage can be expensive, so consider removing coverage from vehicles that are older. Drivers also have the option to increase the deductible to get cheaper collision coverage.

Protection from uninsured/underinsured drivers – Your UM/UIM coverage protects you and your vehicle’s occupants from other drivers when they either have no liability insurance or not enough. Covered claims include medical payments for you and your occupants and damage to your 1995 Dodge Avenger.

Because many people carry very low liability coverage limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages should not be overlooked.

Comprehensive (Other than Collision) – This coverage covers damage that is not covered by collision coverage. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for claims like damage from flooding, damage from a tornado or hurricane and fire damage. The maximum amount a insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.