Compare 1996 Dodge Avenger Insurance Quotes

Locating the cheapest insurance for a new or used Dodge Avenger can normally be a lot of work, but you can follow these tips to make it easier.

There is a right way and a wrong way to compare insurance rates so you’re going to learn the quickest way to price shop coverage for a Dodge and locate the best price possible.

Pricing the lowest cost protection is quite easy. If you have a current insurance coverage policy or are shopping for new coverage, you can learn to cut your premiums and still get good coverage. Drivers just need to understand the proper way to shop for insurance coverage over the internet.

Verify you’re applying every discount

Some insurance providers don’t necessarily list every disount available in an easy-to-find place, so the following is a list of some of the more common in addition to some of the lesser obvious savings tricks you should be using when you buy insurance coverage online.

  • Discount for Swiching Early – A few larger companies give discounts for switching to them prior to your current policy expiring. You may see this discount when you get insurance coverage quotes online.
  • Anti-lock Brake Discount – Cars and trucks equipped with ABS or steering control can avoid accidents so companies give up to a 10% discount.
  • Own a Home – Just owning your own home can get you a discount because it requires a higher level of personal finance.
  • Discounts for Multiple Vehicles – Drivers who insure all your vehicles on one policy can get a discount for every vehicle.
  • Discount for Low Mileage – Maintaining low annual mileage could qualify for better insurance coveragerates on cars that stay parked.

You should keep in mind that many deductions do not apply to the entire policy premium. Most only cut individual premiums such as physical damage coverage or medical payments. Even though it may seem like all those discounts means the company will pay you, you won’t be that lucky.

If you would like to view insurance companies that offer some of these discounts, follow this link.

The most recommended method to compare policy rates utilizes the fact all the major auto insurance companies provide online access to give you rate quotes. To begin a comparison, all you need to do is provide the companies a bit of rating information including your job, how you use your vehicles, daily mileage, and if a SR-22 is required. Those rating factors is sent automatically to multiple auto insurance providers and they return cost estimate almost instantly.

To start a quote now, click here and see if a lower rate is available.

What determines Dodge Avenger insurance premiums?

Smart consumers have a good feel for a few of the rating criteria that aid in calculating your policy premiums. If you know what impacts premium levels, this enables you to make decisions that will entitle you to lower rates. Multiple criteria are part of the equation when you get your auto insurance bill. Some factors are common sense such as your driving record, but other factors are more obscure such as whether you are married or your commute time.

  • How’s your driving record? – Even one speeding ticket or other violation can increase the cost of insurance twenty percent or more. Good drivers get better rates than bad drivers. Drivers unfortunate enough to have multiple violations such as DWI, reckless driving or hit and run convictions may find that they have to to submit a SR-22 form with their state’s department of motor vehicles in order to legally drive.
  • High physical damage deductibles cost less – Deductibles for physical damage are the amount of money you are willing to pay out-of-pocket if the claim is covered. Physical damage insurance, termed comprehensive and collision coverage on your policy, is used to repair damage to your car. Some examples of claims that would be covered would be colliding with a stationary object, damage caused by hail, and having a roll-over accident. The more expense you’re willing to pay, the less money you will pay for insurance coverage on Avenger coverage.
  • Deter theft and pay less – Choosing to buy a car that has an advanced theft prevention system can help lower your rates. Theft prevention features such as LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system all help stop auto theft and help lower rates.
  • Vehicles with better crash test results lower insurance coverage rates – Safer cars tend to have better insurance rates. Safer cars protect occupants better and fewer serious injuries means lower claim amounts and cheaper rates on your policy.
  • Safeguard your assets with liability – Liability insurance provides coverage if ever a court rules you are at fault for damages from an accident. This coverage provides legal defense starting from day one. Carrying liability coverage is mandatory and cheap compared to physical damage coverage, so do not skimp.

When should I discuss my situation with an agent?

When buying coverage for your personal vehicles, there isn’t really a single plan that fits everyone. Each situation is unique.

For example, these questions could help you determine whether or not you will benefit from professional help.

  • How high should my medical payments coverage be?
  • Where can I find high-risk insurance?
  • When should I not file a claim?
  • What should my uninsured motorist coverage limits be in my state?
  • Do I have newly-aquired coverage?
  • How much liability insurance is required?
  • What is the difference between comprehensive and collision coverage?

If you can’t answer these questions but you know they apply to you then you might want to talk to an insurance agent. To find lower rates from a local agent, simply complete this short form. It’s fast, doesn’t cost anything and can provide invaluable advice.

Insurance policy specifics

Understanding the coverages of a insurance policy can be of help when determining the best coverages and proper limits and deductibles. Insurance terms can be confusing and reading a policy is terribly boring.

Auto collision coverage

Collision coverage covers damage to your Avenger resulting from colliding 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 claims like crashing into a building, hitting a parking meter, sideswiping another vehicle and scraping a guard rail. Collision is rather expensive coverage, so consider dropping it from vehicles that are 8 years or older. Drivers also have the option to choose a higher deductible to save money on collision insurance.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Your UM/UIM coverage gives you protection from other motorists when they either are underinsured or have no liability coverage at all. Covered losses include hospital bills for your injuries as well as damage to your Dodge Avenger.

Because many people have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages should not be overlooked. Normally these coverages are set the same as your liablity limits.

Comprehensive auto coverage

This coverage will pay to fix damage that is not covered by collision coverage. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive coverage pays for claims like hitting a deer, hail damage, damage from getting keyed and a tree branch falling on your vehicle. The maximum payout you’ll receive from a claim is the cash value of the vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.

Coverage for liability

Liability insurance provides protection from damage that occurs to other people or property in an accident. It protects you from claims by other people, and doesn’t 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 liability limits of 50/100/50 which stand for a limit of $50,000 per injured person, $100,000 for the entire accident, and a total limit of $50,000 for damage to vehicles and property. Some companies may use one limit called combined single limit (CSL) which limits claims to one amount and claims can be made without the split limit restrictions.

Liability can pay for things like repair bills for other people’s vehicles, repair costs for stationary objects, structural damage, emergency aid and medical services. The amount of liability coverage you purchase is up to you, but it’s cheap coverage so purchase as large an amount as possible.

Medical payments and PIP coverage

Coverage for medical payments and/or PIP reimburse you for immediate expenses for chiropractic care, surgery, ambulance fees and pain medications. They are often utilized in addition to your health insurance plan or if you are not covered by health insurance. Medical payments and PIP cover all vehicle occupants as well as being hit by a car walking across the street. Personal Injury Protection is not available in all states and may carry a deductible

Power to the consumer

You just learned many tips how you can compare 1996 Dodge Avenger insurance car insurance rates online. The key concept to understand is the more rate quotes you have, the better your comparison will be. You may even find the lowest car insurance rates are with a smaller regional carrier.

Insureds who switch companies do it for a number of reasons such as extreme rates for teen drivers, unfair underwriting practices, being labeled a high risk driver or delays in paying claims. It doesn’t matter what your reason, switching companies is pretty simple and you could end up saving a buck or two.

When getting insurance coverage quotes online, it’s a bad idea to reduce needed coverages to save money. There are too many instances where an insured cut comprehensive coverage or liability limits only to regret they didn’t have enough coverage. Your goal should be to get the best coverage possible for the lowest cost while still protecting your assets.

More detailed insurance coverage information can be found in these articles: