How Much Does 2009 Dodge Avenger Insurance Cost?

Have you fallen victim to an underperforming, overpriced car insurance policy? Believe me, there are many drivers thinking the same thing. Online insurance companies like State Farm, Progressive and GEICO constantly blast consumers with ads and it can be hard to ignore the flying pigs and cute green geckos and do the work needed to find the best deal.

Decisions you make can impact your insurance rates

When buying auto insurance it’s important to understand the different types of things that help determine the price you pay for auto insurance. If you understand what positively or negatively impacts your premiums, this helps enable you to make changes that can earn you lower rates. Lots of things are taken into consideration when you quote your car insurance policy. A few of the factors are predictable such as your driving history, but others are not quite as obvious such as whether you are married and annual miles driven.

  • Decrease prices by maintaining coverage – Driving your car without having proper coverage is a big no-no and as a result your rates will increase for letting your coverage cancel without a new policy in place. In addition to paying higher rates, getting caught without coverage may result in a fine, jail time, or a revoked license.
  • Teenagers are high risk – Older drivers are more responsible, file fewer claims , and usually have better credit.Youthful drivers are proven to be less responsible in a vehicle therefore auto insurance rates are much higher.
  • Miles driven impacts costs – The higher the miles on your Dodge every year the more you’ll pay to insure it. Most insurance companies charge to insure your cars determined by how the vehicle is used. Cars and trucks that have low annual miles can get a lower rate than those that get driven frequently. It’s a good idea to make sure your auto insurance policy shows annual mileage, because it can save money. An improperly rated Avenger may be costing you.
  • Only buy what you need – There are a lot of additional coverages that can waste your money on your Avenger policy. Coverages like personal injury protection, towing coverage, and motor club memberships are some examples. They may seem like a good idea when you first buy your policy, but if they’re wasting money remove them from your policy.
  • High coverage deductibles cost less – Coverage for physical damage, commonly called comprehensive (or other-than-collision) and collision coverage, is used to repair damage to your vehicle. Some examples of claims that would be covered are collision with another vehicle, hitting a deer, and damage from a fallen tree branch. The deductibles state the amount of money you are required to spend out-of-pocket if the claim is covered. The more expense you have to pay, the lower your rates will be on Avenger insurance.

Car insurance rates and discounts

Car insurance is neither fun to buy or cheap, but there could be available discounts that many people don’t even know exist. Certain reductions will be credited when you complete an application, but occassionally some discounts must be manually applied before you get the savings.

  • Air Bag Discount – Factory options such as air bags or automatic seat belts can get savings as much as 30%.
  • Renewal Discounts – Some larger companies provide a discount for switching to them before your current policy expires. You may see this discount when you get auto insurance quotes online.
  • Seat Belts Save – Using a seat belt and requiring all passengers to use a seat belt can save 10% or more off the medical payments premium.
  • Resident Student – Children who are enrolled in a college that is more than 100 miles from home and won’t have access to an insured vehicle could qualify for this discount.
  • Savings for New Vehicles – Insuring a new car can cost up to 25% less due to better safety requirements for newer vehicles.
  • Pay Now and Pay Less – If you pay your entire premium ahead of time rather than paying monthly you can avoid monthly service charges.
  • Mature Driver Discount – Drivers over the age of 55 are able to get reduced rates on Avenger insurance.
  • Theft Deterent Discount – Vehicles that have factory alarm systems and tracking devices are stolen with less frequency and that can save you a little bit as well.

While discounts sound great, it’s important to understand that most discount credits are not given to the overall cost of the policy. A few only apply to the price of certain insurance coverages like medical payments or collision. So when it seems like all the discounts add up to a free policy, nobody gets a free ride. But all discounts should help reduce your overall bill.

If you would like to view insurance companies that offer multiple discounts, click here to view.

Can you really save $403 a year?

Consumers can’t escape the ads that claim the lowest premium rates by companies like State Farm, Allstate and GEICO. All the companies state the claim that you’ll save big after switching to their company.

It sounds good, but how can they all give you a lower rate? It’s all in how they say it.

Many companies have specific guidelines for the type of customer that is profitable for them. An example of a desirable insured may need to be between the ages of 30 and 45, has a clear driving record, and the vehicle is rated for pleasure use. Any person that hits that “sweet spot” gets the lowest prices and therefore will pay quite a bit less when switching companies.

People who cannot meet this ideal profile must pay higher rates and the driver buying from a lower-cost company. If you pay close attention to the ads, they say “drivers who switch” but not “everyone who gets a quote” save that much. That’s why insurance companies can state the savings.

This emphasizes why you really should compare many company’s rates. Because you cannot predict which auto insurance company will give you the biggest savings.

Situations that may require an agent’s advice

When it comes to choosing coverage, there is no single plan that fits everyone. Everyone’s situation is unique and a cookie cutter policy won’t apply. Here are some questions about coverages that can aid in determining if your situation could use an agent’s help.

  • Is my ex-spouse still covered by my policy?
  • Can I rent a car in Mexico?
  • Are my friends covered when driving my car?
  • When should my teen driver be added to my policy?
  • Should I carry comprehensive and collision coverage?
  • Why am I required to get a high-risk car insurance policy?
  • Is a blown tire covered by insurance?

If you don’t know the answers to these questions then you might want to talk to a licensed insurance agent. To find lower rates from a local agent, fill out this quick form or you can go here for a list of companies in your area. It’s fast, doesn’t cost anything and may give you better protection.

Car insurance 101

Having a good grasp of insurance helps when choosing appropriate coverage and proper limits and deductibles. Policy terminology can be ambiguous and coverage can change by endorsement. These are the usual coverages found on the average insurance policy.

Uninsured or underinsured coverage

This provides protection when the “other guys” either are underinsured or have no liability coverage at all. This coverage pays for medical payments for you and your occupants as well as your vehicle’s damage.

Due to the fact that many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages should not be overlooked. Frequently the UM/UIM limits are similar to your liability insurance amounts.

Comprehensive protection

Comprehensive insurance coverage pays for damage from a wide range of events other than collision. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for things such as rock chips in glass, fire damage, a tree branch falling on your vehicle, damage from a tornado or hurricane and hitting a bird. The highest amount a insurance company will pay at claim time is the cash value of the vehicle, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Medical expense coverage

Med pay and PIP coverage provide coverage for bills like prosthetic devices, X-ray expenses, rehabilitation expenses and EMT expenses. They are used in conjunction with a health insurance policy or if you lack health insurance entirely. It covers you and your occupants and also covers if you are hit as a while walking down the street. PIP is not an option in every state and gives slightly broader coverage than med pay

Auto liability

Liability insurance protects you from damage or injury you incur to a person or their property in an accident. This insurance protects YOU from legal claims by others. Liability doesn’t cover damage to your own property or vehicle.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see liability limits of 50/100/50 that translate to $50,000 in coverage for each person’s injuries, a limit of $100,000 in injury protection per accident, and a limit of $50,000 paid for damaged property. Another option is one number which is a combined single limit that pays claims from the same limit without having the split limit caps.

Liability insurance covers claims like funeral expenses, pain and suffering, structural damage and court costs. How much coverage you buy is a personal decision, but it’s cheap coverage so purchase as large an amount as possible.

Collision coverage

This covers damage to your Avenger resulting from a collision with an object or car. You first must pay a deductible and then insurance will cover the remainder.

Collision can pay for claims such as rolling your car, scraping a guard rail and hitting a mailbox. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are older. Drivers also have the option to bump up the deductible in order to get cheaper collision rates.

Saving money makes a lot of cents

We’ve covered many ways to get a better price on 2009 Dodge Avenger insurance. The key thing to remember is the more rate quotes you have, the better your comparison will be. You may be surprised to find that the most savings is with the least-expected company. They can often insure niche markets at a lower cost compared to the large companies like Allstate, GEICO and Progressive.

While you’re price shopping online, it’s not a good idea to reduce needed coverages to save money. There have been many cases where consumers will sacrifice comprehensive coverage or liability limits to discover at claim time that the savings was not a smart move. Your goal is to get the best coverage possible for the lowest price.

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