Cheap 1997 Dodge Avenger Car Insurance Rates

Want the cheapest insurance rates for your Dodge Avenger? Have you had enough of trying to scrape together enough money to pay your insurance bill each month? You are in the same boat as the majority of other people. You have multiple auto insurance companies to pick from, and though it is a good thing to have a selection, more options can take longer to find the best rates for your vehicles.

It’s a good habit to compare premium rates as often as possible since insurance prices change regularly. Just because you found the best price on Avenger coverage a year ago you can probably find a lower rate today. Forget all the misinformation about insurance because I’m going to teach you one of the quickest ways to find lower rates on insurance.

Choosing the best insurance company for you is easy if you know what you’re doing. If you currently have car insurance, you will be able to cut costs considerably using these methods. Drivers just need to learn the best way to get comparison quotes online.

Ways to get car insurance quotes

Finding a better price on car insurance is surprisingly easy. Drivers just need to spend a little time to get quotes online from several insurance companies. You can get a good selection of rate quotes using a couple different methods.

  • One of the fastest ways to get quotes for comparison is an all-inclusive rate comparison like this one (opens in new window). This quick form eliminates the need for repetitive form submissions for every prospective company. One form will return price quotes from multiple low-cost companies.
  • A less efficient way to analyze rates is to take the time to go to each company website and fill out a new quote form. For examples sake, we’ll assume you want to view quotes from Farmers, Esurance and Liberty Mutual. You would need to spend time on each company’s site and repeatedly type in your coverage information, which can get rather old.

    For a handy list of car insurance company links in your area, click here.

  • The most difficult method to find and compare rates is physically going to insurance agents’ offices. The internet eliminates this option unless you require the professional assistance that can only be provided by a licensed insurance agent. It is possible to obtain prices from the web but buy the policy through an agent.

You can use whichever method you prefer to find lower rates, just be sure to compare identical quote information on every quote. If you compare different limits and deductibles on each one you will not be able to get a fair rate comparison.

Insurance in the media

Drivers can’t escape the ads that claim the lowest prices from companies such as Progressive, Allstate and GEICO. They all advertise claims about how much you will save if you switch to them.

That’s great but how can every company have lower policy pricing? This is how they do it.

Insurance companies quote their best rates for the type of insured that makes them money. A good example of a desirable insured might be described as married and over the age of 30, has no tickets, and has great credit. Anybody who matches that profile is entitled to the best price and have a good chance to save when switching.

Potential insureds who are not a match for those criteria will see more expensive rates which usually ends up with the customer not purchasing. The ads say “customers that switch” but not “everyone who gets a quote” save that much money. That’s why insurance companies can make claims like that. Different companies use different criteria so you absolutely need to compare quotes as often as possible. Because you never know the company that will be your best fit.

How insurance companies calculate Dodge Avenger insurance rates

Lots of factors are used in the calculation when quoting car insurance. Some are pretty understandable like an MVR report, although others are less obvious like where you live and annual miles driven.

The items below are a few of the things companies use to determine rates.

  • Only buy coverage you need – Insurance companies have many additional extra coverages that may not really be needed when buying insurance. Things like replacement cost coverage, accidental death, and extra life insurance coverage are examples of these. These coverages may sound good when talking to your agent, but your money might be better spent on other coverage so consider taking them off your policy.
  • Mature drivers save more – Drivers with little experience have a tendency to be less responsible when driving so insurance rates are higher. Mature drivers are more responsible, are lower risk to insure , and are generally more financially stable.
  • Liability protection safeguards assets – The liability coverage on your policy provides coverage in the event that you are found liable for an accident. Your policy’s liability insurance provides for a legal defense to defend your case. This coverage is relatively inexpensive when compared to the cost of physical damage coverage, so do not cut corners here.
  • When should you file a insurance claims? – If you are a frequent claim filer, you shouldn’t be surprised to get either higher rates or even cancellation. Car insurance companies generally give discounts to drivers that do not abuse their auto insurance. Insurance coverage is designed for larger claims.
  • Male rates may be higher – Over the last 50 years, statistics have shown women tend to be less risk to insure than men. That doesn’t necessarily mean that females are better at driving than males. Males and females cause at-fault accidents at about the same rate, but men get into accidents with more damage. Men also statistically get cited for more serious violations such as driving while intoxicated (DWI) or driving recklessly. Young men ages 16 to 20 are the most expensive to insure and therefore pay the highest rates.
  • Improve your credit rating – Having a good credit history can be an important factor in calculating your insurance rates. So if your credit leaves room for improvement, you could save money insuring your 1997 Dodge Avenger by improving your credit score. Drivers with good credit tend to be less risk to insure than drivers who have lower credit scores.

Cheaper rates by taking advantage of discounts

Car insurance is neither fun to buy or cheap, but you may be missing some discounts that can dramatically reduce your bill. Most are applied at the time you complete a quote, but occassionally some discounts must be asked about before you get the savings. If you’re not getting every credit you deserve, you are just wasting money.

  • New Car Discount – Putting coverage on a new car is cheaper since new model year vehicles are generally safer.
  • Passenger Safety Discount – Vehicles with factory air bags may earn rate discounts of 20 to 30 percent.
  • Multiple Vehicles – Buying coverage for all your vehicles with one company qualifies for this discount.
  • Telematics Discount – Insureds that choose to allow driving data collection to monitor driving patterns by using a small device installed in their vehicle such as Drivewise from Allstate or Snapshot from Progressive may get a rate reduction if they exhibit good driving behavior.
  • Active Military Service – Being on active deployment in the military could trigger a small discount.
  • Homeowners Savings – Just owning your own home may trigger a policy discount on car insurance since home ownership is proof of financial responsibility.
  • Include Life Insurance and Save – Not every insurance company offers life insurance, but if they do you may earn a discounted premium rate on car insurance if you buy life insurance from them.

Don’t be shocked that many deductions do not apply the the whole policy. Most only apply to specific coverage prices like comp or med pay. Just because it seems like it’s possible to get free car insurance, you’re out of luck.

Auto insurance companies that may offer most of these discounts include:

When getting free insurance coverage quotes, it’s a good idea to all the companies how many discounts you can get. Some discounts might not be offered on policies in your area. If you would like to choose from a list of car insurance companies that offer discounts, follow this link.

How much auto insurance do I need?

When choosing adequate coverage for your personal vehicles, there is no “perfect” insurance plan. Coverage needs to be tailored to your specific needs and a cookie cutter policy won’t apply. For example, these questions can help discover whether or not you could use an agent’s help.

  • What is no-fault insurance?
  • What can I do if my company won’t pay a claim?
  • Does my personal policy cover me when driving out-of-state?
  • Does having multiple vehicles earn me a discount?
  • Should I file a claim if it’s only slightly more than my deductible?
  • Can I pay claims out-of-pocket if I buy high deductibles?
  • Is business property covered if stolen from my car?
  • Are split liability limits better than a combined single limit?
  • When would I need rental car insurance?
  • Can I rent a car in Mexico?

If it’s difficult to answer those questions then you might want to talk to a licensed insurance agent. If you don’t have a local agent, fill out this quick form or you can go here for a list of companies in your area. It only takes a few minutes and can provide invaluable advice.

Auto insurance 101

Learning about specific coverages of your policy can help you determine which coverages you need and proper limits and deductibles. The coverage terms in a policy can be ambiguous and nobody wants to actually read their policy. Shown next are the normal coverages found on the average insurance policy.

Collision coverage protection

Collision insurance pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for claims such as sideswiping another vehicle, sustaining damage from a pot hole, backing into a parked car and colliding with another moving vehicle. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are older. Drivers also have the option to bump up the deductible in order to get cheaper collision rates.

Liability

This will cover injuries or damage you cause to other’s property or people. It protects you against claims from other people. Liability doesn’t cover damage sustained by your vehicle in an accident.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have policy limits of 100/300/100 that means you have $100,000 bodily injury coverage, $300,000 for the entire accident, and property damage coverage for $100,000.

Liability can pay for claims such as medical expenses, emergency aid, pain and suffering, repair costs for stationary objects and legal defense fees. How much liability should you purchase? That is your choice, but it’s cheap coverage so purchase as large an amount as possible.

Medical costs insurance

Personal Injury Protection (PIP) and medical payments coverage kick in for bills for doctor visits, rehabilitation expenses and X-ray expenses. The coverages can be utilized in addition to your health insurance plan or if there is no health insurance coverage. Medical payments and PIP cover you and your occupants in addition to getting struck while a pedestrian. Personal injury protection coverage is not available in all states but it provides additional coverages not offered by medical payments coverage

UM/UIM Coverage

This protects you and your vehicle from other drivers when they either are underinsured or have no liability coverage at all. It can pay for medical payments for you and your occupants and damage to your Dodge Avenger.

Since a lot of drivers only purchase the least amount of liability that is required, their limits can quickly be used up. For this reason, having high UM/UIM coverages is a good idea.

Comprehensive or Other Than Collision

This will pay to fix damage that is not covered by collision coverage. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive coverage pays for claims such as hitting a bird, hitting a deer, vandalism, rock chips in glass and theft. The maximum amount your insurance company will pay is the market value of your vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.

In Summary

Budget-friendly auto insurance can be purchased online and from local agencies, so get free insurance coverage quotes from both of them to have the best chance of lowering rates. Some companies may not have the ability to get a quote online and these smaller providers only sell through independent agencies.

When buying insurance coverage, don’t be tempted to buy poor coverage just to save money. In too many instances, consumers will sacrifice physical damage coverage and discovered at claim time that they should have had better coverage. Your goal should be to purchase plenty of coverage at an affordable rate while not skimping on critical coverages.

More tips and info about auto insurance can be found by following these links: