2000 Dodge Avenger Insurance Rates

Want lower insurance coverage rates for your Dodge Avenger? Are you kicking yourself for buying an underperforming, overpriced insurance coverage policy? It’s a common feeling and there are lots of people in the same boat. Many insurance companies compete for your hard-earned dollar, so it can be very hard to choose a insurer and get the best coverage at the best price available.

It’s a good idea to shop coverage around at least once a year because prices are variable and change quite frequently. Just because you found the best price on Avenger coverage on your last policy other companies may now be cheaper. You can find a lot of wrong information about insurance coverage online, but I’m going to show you some solid techniques on how to slash your insurance coverage rates.

If you have a current insurance coverage policy or are just looking to switch companies, you can use this information to get lower rates while maintaining coverages. Finding affordable coverage is not that difficult. Consumers just need to understand the proper way to shop for insurance coverage online.

Don’t overlook these car insurance discounts

Not too many consumers would say car insurance is affordable, but there are discounts available that could drop your premiums quite a bit. A few discounts will automatically apply when you complete an application, but a few must be specifically requested prior to receiving the credit.

  • E-sign – Many car insurance companies provide a small discount for buying your policy on your computer.
  • Braking Control Discount – Cars, trucks, and SUVs that have steering control and anti-lock brakes have fewer accidents and qualify for as much as a 10% discount.
  • Professional Memberships – Affiliation with certain professional organizations could earn you a nice discount on car insurance.
  • Drive Safe and Save – Drivers without accidents can save as much as half off their rates on Avenger coverage than drivers with accidents.
  • Low Mileage Discounts – Maintaining low annual mileage can qualify you for better rates on cars that stay parked.
  • Passive Restraints – Vehicles with factory air bags and/or automatic seat belt systems may qualify for discounts as much as 30%.
  • Seat Belt Usage – Using a seat belt and requiring all passengers to wear their seat belts could save 15% on medical payment and PIP coverage.

While discounts sound great, it’s important to understand that most discount credits are not given to all coverage premiums. Some only reduce individual premiums such as physical damage coverage or medical payments. So even though it sounds like all the discounts add up to a free policy, you aren’t that lucky.

Larger car insurance companies and some of their more popular discounts are included below.

  • Progressive discounts include multi-policy, online signing, online quote discount, multi-vehicle, good student, continuous coverage, and homeowner.
  • Farmers Insurance offers discounts including bundle discounts, homeowner, mature driver, distant student, switch companies, and youthful driver.
  • Farm Bureau may offer discounts for 55 and retired, multi-policy, safe driver, multi-vehicle, and driver training.
  • State Farm may include discounts for good student, Drive Safe & Save, driver’s education, multiple autos, safe vehicle, anti-theft, and student away at school.
  • GEICO may have discounts that include defensive driver, multi-policy, federal employee, military active duty, anti-theft, and multi-vehicle.
  • SAFECO includes discounts for teen safety rewards, anti-lock brakes, drive less, bundle discounts, and multi-car.
  • Liberty Mutual offers premium reductions for teen driver discount, preferred payment discount, multi-car, new graduate, safety features, newly retired, and good student.

If you need the cheapest auto insurance quotes, ask every company which discounts can lower your rates. Some of the earlier mentioned discounts might not be offered on policies in your area.

Buy car insurance online

The majority of larger companies such as Allstate, GEICO and Progressive make it easy to get coverage prices on the web. The process is possible for anyone as you just enter your personal and coverage information as detailed in the form. Once entered, the company’s rating system automatically orders reports for credit and driving violations and provides a quote based on the information you submitted. Online quotes helps simplify price comparisons, but the work required to visit a lot of sites and complete many quote forms is a waste of time. But it’s also necessary to perform this step in order to get the lowest possible prices on car insurance.

A better way to find cheaper rates makes use of a single form to get prices from a lot of companies. It’s a real time-saver, eliminates form submissions, and makes online price comparison much more efficient. As soon as you send your information, your coverage is rated and you can select any or none of the price quotes you receive.

If you find a better price you can click and sign and buy the policy. The entire process takes 15 minutes at the most and could lower your rates considerably.

In order to use this form to compare rates, simply click here to open in new window and enter your information. If you have a policy now, it’s recommended you duplicate the limits and deductibles as shown on your current policy. Using the same limits helps guarantee you are getting an apples-to-apples comparison based on identical coverages.

How you can control Dodge Avenger insurance rates

Consumers need to have an understanding of some of the elements that play a part in calculating insurance coverage rates. If you understand what determines base rates, this allows you to make good choices that may result in lower insurance coverage prices.

  • Compare rates if you bundle your policies – Some insurers provide lower prices to buyers that have more than one policy such as combining an auto and homeowners policy. If you currently are using one company, you may still want to get quotes from other companies to verify if the discount is saving money.
  • Teen vs. experienced drivers – Inexperience drivers have a tendency to be less responsible when driving with friends so insurance coverage rates are higher. Having to add a teen driver to your insurance coverage policy can really hurt. Older insureds have been proven to be more responsible, file fewer claims and receive fewer citations.
  • Urban areas may pay more – Residing in small towns and rural areas may provide you with better prices when shopping for auto insurance. Lower population translates into fewer accidents and a lower car theft rate. People in densly populated areas have to deal with more aggressive driving styles and a longer drive to work. More time commuting means higher likelihood of an accident.
  • How much liability protection do you need? – Your policy’s liability coverage kicks in if ever you are found to be at fault for an accident. Your liability coverage provides legal defense starting from day one. This coverage is very inexpensive compared to other policy coverages, so drivers should buy more than the minimum limits required by law.
  • The higher your credit score the lower your rates – Having a good credit history can be a huge factor in calculating your insurance coverage rates. If your credit history can use some improvement, you could be paying less to insure your 2000 Dodge Avenger by repairing your credit. Drivers who have high credit scores tend to be less risk to insure than drivers with bad credit.
  • Rental and towing coverage may not be needed – Insurance companies have many optional add-on coverages that you can get tricked into buying but may not be useful. Coverages for rental car reimbursement, accidental death, and Farm Bureau memberships are probably not needed. You may think they are a good idea when buying your policy, but if you don’t need them think about removing them and cutting costs.

When to get professional advice

When it comes to choosing the right insurance coverage for your personal vehicles, there isn’t really a single plan that fits everyone. Every situation is different so this has to be addressed. For example, these questions can aid in determining whether or not you might need an agent’s assistance.

  • What is an SR-22 filing?
  • Can my teen drive my company car?
  • Is my vehicle covered by my employer’s policy when using it for work?
  • Will my rates increase for filing one claim?
  • Is motorclub coverage worth it?
  • Does my medical payments coverage pay my health insurance deductible?

If you don’t know the answers to these questions but you think they might apply to your situation, you might consider talking to an insurance agent. If you don’t have a local agent, fill out this quick form or go to this page to view a list of companies. It’s fast, doesn’t cost anything and can provide invaluable advice.

Parts of your insurance policy

Understanding the coverages of your insurance policy can be of help when determining appropriate coverage and the correct deductibles and limits. Insurance terms can be confusing and even agents have difficulty translating policy wording. Listed below are the normal coverages offered by insurance companies.

Comprehensive or Other Than Collision

This will pay to fix damage caused by mother nature, theft, vandalism and other events. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for claims like hitting a bird, falling objects, damage from a tornado or hurricane, theft and a broken windshield. The maximum amount your insurance company will pay is the actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.

Medical costs insurance

Medical payments and Personal Injury Protection insurance reimburse you for expenses for hospital visits, rehabilitation expenses, pain medications, surgery and X-ray expenses. They can be used to cover expenses not covered by your health insurance program or if you are not covered by health insurance. They cover you and your occupants as well as being hit by a car walking across the street. Personal Injury Protection is not an option in every state but can be used in place of medical payments coverage

Coverage for liability

Liability insurance provides protection from damage or injury you incur to a person or their property that is your fault. This coverage protects you against other people’s claims. Liability doesn’t cover your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show limits of 25/50/25 that translate to a $25,000 limit per person for injuries, a per accident bodily injury limit of $50,000, and a limit of $25,000 paid for damaged property. Some companies may use a combined limit that pays claims from the same limit with no separate limits for injury or property damage.

Liability coverage protects against claims such as attorney fees, court costs, repair bills for other people’s vehicles, medical expenses and bail bonds. 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.

UM/UIM Coverage

This protects you and your vehicle’s occupants from other drivers when they do not carry enough liability coverage. Covered claims include injuries to you and your family as well as damage to your 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 is a good idea. Usually your uninsured/underinsured motorist coverages are set the same as your liablity limits.

Collision coverage

This pays to fix your vehicle from damage resulting from a collision with another vehicle or an object, but not an animal. A deductible applies and then insurance will cover the remainder.

Collision coverage protects against things such as sideswiping another vehicle, colliding with a tree and colliding with another moving vehicle. Collision coverage makes up a good portion of your premium, so consider removing coverage from lower value vehicles. Another option is to choose a higher deductible to save money on collision insurance.

Have money to burn

Lower-priced insurance is attainable on the web as well as from independent agents, so you need to shop auto insurance with both so you have a total pricing picture. Some insurance providers do not offer the ability to get quotes online and most of the time these regional carriers work with independent agents.

When getting auto insurance quotes online, it’s a bad idea to sacrifice coverage to reduce premiums. There are many occasions where consumers will sacrifice collision coverage only to discover later that the small savings ended up costing them much more. Your objective should be to purchase a proper amount of coverage at the best possible price, but do not sacrifice coverage to save money.

You just read many ways to compare 2000 Dodge Avenger insurance rates online. The most important thing to understand is the more providers you compare, the better your chances of lowering your car insurance rates. Drivers may discover the most savings is with some of the lesser-known companies. They may only write in your state and offer lower car insurance rates than the large multi-state companies such as State Farm and Allstate.

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