2010 Dodge Avenger Insurance Quotes

If you are new to online insurance, you can easily be bewildered due to the large selection of insurance companies competing for business.

Lower-cost car insurance rates with discounts

Some insurers do not list every available discount very clearly, so below is a list both well-publicized in addition to some of the lesser obvious discounts that you can inquire about if you buy auto insurance online. If they aren’t giving you every credit you deserve, it’s possible you qualify for a lower rate.

  • Defensive Driver Discounts – Taking a defensive driver course may get you a small discount and easily recoup the cost of the course.
  • Safety Restraint Discount – Drivers who always wear seat belts and also require passengers to use a seat belt can save up to 10 percent (depending on the company) on medical payment and PIP coverage.
  • More Vehicles More Savings – Purchasing coverage when you have multiple cars on one policy can reduce rates for all insured vehicles.
  • Low Mileage Discounts – Maintaining low annual mileage could earn better premium rates on cars that stay parked.
  • Organization Discounts – Joining a qualifying organization may earn a discount on your bill.
  • Passive Restraints – Options like air bags could see savings of 25 to 30%.

Please keep in mind that most discount credits are not given to all coverage premiums. Most only reduce the price of certain insurance coverages like liability, collision or medical payments. So when the math indicates you can get free auto insurance, car insurance companies aren’t that generous.

A list of car insurance companies and some of the discounts are:

  • GEICO may offer discounts for military active duty, multi-policy, multi-vehicle, seat belt use, membership and employees, good student, and driver training.
  • Travelers offers discounts including driver training, hybrid/electric vehicle, good student, payment discounts, and early quote.
  • Nationwide includes discounts for easy pay, Farm Bureau membership, multi-policy, anti-theft, good student, and business or organization.
  • Farmers Insurance discounts include switch companies, good student, pay in full, alternative fuel, and business and professional.
  • Esurance offers discounts for homeowner, defensive driver, renters, DriveSense, and multi-policy.
  • State Farm policyholders can earn discounts including multiple policy, anti-theft, good student, student away at school, and defensive driving training.
  • Progressive may have discounts that include homeowner, continuous coverage, online signing, multi-policy, and online quote discount.
  • Mercury Insurance has discounts for ease of repair, good student, age of vehicle, professional/association, and multi-policy.

Before buying, ask all the companies which discounts can lower your rates. Depending on the company, some discounts may not apply to policies in your state.

Affordable insurance coverage rate quotes online

Most companies such as GEICO, State Farm and Progressive allow consumers to get price estimates on the web. This process is fairly simple as you just enter the coverages you want on the page. Once entered, their rating system requests reports for credit and driving violations and returns pricing information.

Online quotes simplifies rate comparisons, but the time required to go to a lot of sites and type in the same information is a big time waster. But it’s also necessary to compare as many rates as possible in order to find better insurance coverage pricing.

An easier way to get multiple rate quotes utilizes a single form to get prices from a bunch of companies at once. It’s a real time-saver, helps eliminate reptitive entry, and makes online quotes much easier to do. Immediately after you send the form, it gets priced with multiple companies and you can pick any one of the resulting price quotes.

If the quotes result in lower rates, you simply finish the application and purchase coverage. It can be completed in a matter of minutes and you’ll know if lower rates are available.

To compare rates using this form now, click here to open in a new tab and fill out the form. If you have a policy now, it’s recommended you input the coverage information as close as possible to your current policy. This ensures you’re receiving a fair comparison using the same coverage and limits.

How to lower your insurance premiums

A large part of saving on insurance coverage is knowing some of the things that are used to determine your premiums. If you know what determines base rates, this allows you to make good choices that may result in big savings. Many different elements are considered when you quote your car insurance policy. Some of the criteria are obvious like an MVR report, but other factors are not quite as obvious such as your marital status or your commute time.

  • Drive less and save – The higher the mileage driven annually the more you’ll pay to insure your vehicle. Many insurance companies price each vehicle’s coverage based on their usage. Autos that do not get driven very much receive better premium rates compared to those used for work or business. It’s a smart idea to ensure your vehicle rating reflects the proper vehicle usage. An incorrectly rated Avenger is throwing money out the window.
  • Youthful drivers cost more – Inexperience drivers are known to be inattentive and easily distracted with other occupants in the car and because of this, their insurance coverage rates are much higher. Older people are more responsible, cause fewer claims and accidents and are safer drivers.
  • How’s your driving record? – Your driving record has a big impact on rates. Having just one citation can bump up the cost by as much as twenty percent. Good drivers pay less for auto insurance compared to bad drivers. Drivers who have gotten multiple tickets such as DUI, reckless driving or excessive speeding may find they need to file a proof of financial responsibility form (SR-22) with the DMV in their state in order to drive a vehicle legally.
  • Consolidate home and auto and save – Most insurance coverage companies afford discounts to people who buy several policies from them in the form of a multi-policy discount. The discount can be ten or even up to twenty percent in some cases. Even with this discount applied, it’s in your best interest to comparison shop to help guarantee you have the best rates. You may still find lower rates by splitting coverages up.
  • Too many policy claims drive up premiums – If you tend to file frequent claims, you shouldn’t be surprised to get either policy cancellation or increased premiums. Insurance companies award lower rates to insureds who do not rely on their insurance for small claims. Your car insurance is intended to be relied upon for larger claims.
  • Advanced alarms and GPS tracking – Owning a car with anti-theft technology or alarm system can help lower your premiums. Anti-theft devices like OnStar, LoJack tracking, and tamper alarms all help prevent your car from being stolen.

Tailor your car insurance coverage to you

When buying coverage for your vehicles, there isn’t really a one size fits all plan. Your needs are not the same as everyone else’s.

These are some specific questions might point out whether or not you would benefit from an agent’s advice.

  • Should I bundle my homeowners policy with my auto?
  • Do I need replacement cost coverage?
  • Should I buy full coverage?
  • Can I still get insurance after a DUI?
  • Do I need roadside assistance coverage?
  • Does insurance cover damages from a DUI accident?
  • Are there companies who specialize in insuring high-risk drivers?
  • Is my nanny covered when driving my vehicle?

If it’s difficult to answer those questions but a few of them apply then you might want to talk to an insurance agent. If you want to speak to an agent in your area, simply complete this short form.

Car insurance policy coverages for a Dodge Avenger

Learning about specific coverages of your policy can help you determine which coverages you need for your vehicles. The coverage terms in a policy can be ambiguous and reading a policy is terribly boring.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This coverage protects you and your vehicle’s occupants when the “other guys” are uninsured or don’t have enough coverage. Covered losses include injuries sustained by your vehicle’s occupants as well as damage to your 2010 Dodge Avenger.

Since many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is a good idea. Usually your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.

Collision protection

Collision coverage pays for damage to your Avenger caused by collision with a stationary object or other vehicle. You first must pay a deductible and then insurance will cover the remainder.

Collision coverage pays for things like hitting a parking meter, colliding with a tree and crashing into a ditch. Paying for collision coverage can be pricey, so you might think about dropping it from older vehicles. Another option is to raise the deductible to get cheaper collision coverage.

Medical payments and PIP coverage

Personal Injury Protection (PIP) and medical payments coverage kick in for immediate expenses for things like funeral costs, surgery and pain medications. The coverages can be used to cover expenses not covered by your health insurance policy or if you do not have health coverage. They cover both the driver and occupants as well as 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

Liability auto insurance

This provides protection from damage that occurs to other people or property. This insurance protects YOU against other people’s claims, and does not provide coverage for damage sustained by your vehicle in an accident.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show policy limits of 100/300/100 that translate to a $100,000 limit per person for injuries, $300,000 for the entire accident, and property damage coverage for $100,000. Some companies may use a combined single limit or CSL that pays claims from the same limit with no separate limits for injury or property damage.

Liability insurance covers claims like repair bills for other people’s vehicles, legal defense fees, funeral expenses and emergency aid. How much liability should you purchase? That is a decision to put some thought into, but buy as large an amount as possible.

Comprehensive auto coverage

Comprehensive insurance coverage pays for damage that is not covered by collision coverage. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive can pay for things such as vandalism, damage from flooding, a broken windshield, hitting a deer and theft. The highest amount a car 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.

Find Good Coverage for Less

Low-cost 2010 Dodge Avenger insurance is available both online and also from your neighborhood agents, so get free auto insurance quotes from both of them so you have a total pricing picture. A few companies may not offer rates over the internet and many times these regional carriers only sell through local independent agencies.

Insureds switch companies for many reasons like policy cancellation, extreme rates for teen drivers, poor customer service or delays in paying claims. It doesn’t matter why you want to switch choosing a new company can be pretty painless.

As you quote auto insurance, it’s very important that you do not sacrifice coverage to reduce premiums. In many instances, an accident victim reduced physical damage coverage only to find out they didn’t purchase enough coverage. The goal is to buy enough coverage at the best cost, but don’t skip important coverages to save money.

More detailed auto insurance information is located in these articles: