How Much Does 2013 Dodge Avenger Insurance Cost?

No sane person loves paying for insurance, especially knowing the cost is way too high. Because there are so many insurance providers from which to choose, it’s difficult to locate the cheapest insurer.

It is always a good idea to check insurance prices yearly since prices are adjusted regularly by insurance companies. If you had the best rates on Avenger coverage a few years ago a different company probably has better rate quotes today. Forget all the misinformation about insurance because I’m going to teach you the easiest way to reduce your cost while increasing coverage.

Finding auto insurance

There are a lot of ways to compare auto insurance quotes, but one way is less time-consuming than others. You could spend your day talking to insurance companies in your area, or you can stay home and use online quoting to get rates in a matter of minutes.

Most of the best insurance companies enroll in a system that enables customers to enter their policy data once, and each company returns a competitive quote determined by their information. This saves time by eliminating repetitive form submissions for each company you want a rate for.

To compare rates now click here to open in new window.

The single downside to comparing rates this way is buyers cannot specifically choose the providers you want to price. If you wish to select individual companies to receive pricing from, we have assembled a list of the cheapest auto insurance companies in your area. Click here to view list.

The approach you take is up to you, just make sure you are using the same coverage data for every quote you compare. If your comparisons have different coverage information you will not be able to make a fair rate comparison.

Discounts for lower-cost car insurance quotes

Some companies don’t necessarily list the complete list of policy discounts in an easy-to-find place, so here is a list both the well known in addition to some of the lesser obvious discounts that you may qualify for.

  • Mature Driver Discount – Drivers over the age of 55 can get a small discount on rates on Avenger coverage.
  • E-sign – A few companies will give you a small discount for buying your policy on their website.
  • Telematics Data Discounts – Drivers who agree to allow data collection to spy on where and when they drive by using a telematic data system like Allstate’s Drivewise could save a few bucks if their driving habits are good.
  • No Accidents – Good drivers with no accidents can save substantially as compared to bad drivers.
  • Resident Student – Children who are enrolled in higher education away from home and leave their car at home could qualify for this discount.

Discounts save money, but please remember that most of the big mark downs will not be given to the entire cost. Some only apply to the price of certain insurance coverages like liability and collision coverage. Despite the fact that it seems like you could get a free car insurance policy, it just doesn’t work that way. Any amount of discount will bring down your policy premium.

A few of the larger companies and a partial list of their discounts are included below.

  • State Farm has discounts for defensive driving training, passive restraint, accident-free, safe vehicle, anti-theft, multiple policy, and student away at school.
  • Progressive may offer discounts for homeowner, good student, online quote discount, continuous coverage, online signing, multi-vehicle, and multi-policy.
  • Travelers discounts include multi-car, continuous insurance, save driver, early quote, student away at school, good student, and multi-policy.
  • American Family has savings for defensive driver, early bird, mySafetyValet, air bags, and Steer into Savings.
  • Liberty Mutual offers premium reductions for new move discount, multi-car, new vehicle discount, multi-policy, new graduate, and preferred payment discount.

When comparing rates, check with each company how you can save money. Some of the earlier mentioned discounts may not apply to policies in your area. To locate insurers with discount car insurance rates, click here to view.

You may need specialized auto insurance coverage

When buying the best auto insurance coverage for your vehicles, there isn’t really a one size fits all plan. Everyone’s situation is unique so your insurance needs to address that. These are some specific questions may help you determine if your situation might need an agent’s assistance.

  • Should I buy full coverage?
  • Is my state a no-fault state?
  • Is my camper covered by my car insurance policy?
  • When can my company non-renew my policy?
  • What if I total my 2013 Dodge Avenger and owe more than it’s worth?
  • Should I waive the damage coverage when renting a car?
  • Will my vehicle be repaired with OEM or aftermarket parts?
  • Do I really need UM/UIM coverage?

If you don’t know the answers to these questions but you think they might apply to your situation, you may need to chat with a licensed insurance agent. If you want to speak to an agent in your area, simply complete this short form or you can go here for a list of companies in your area. It is quick, free and you can get the answers you need.

Coverage specifics

Understanding the coverages of your policy can help you determine appropriate coverage for your vehicles. Policy terminology can be impossible to understand and reading a policy is terribly boring. Shown next are typical coverage types offered by car insurance companies.

Medical payments coverage and PIP – Med pay and PIP coverage reimburse you for short-term medical expenses for things like pain medications, rehabilitation expenses and EMT expenses. They can be used in conjunction with a health insurance program or if you lack health insurance entirely. It covers all vehicle occupants and also covers any family member struck as a pedestrian. PIP coverage is not an option in every state but can be used in place of medical payments coverage

Uninsured/Underinsured Motorist coverage – Your UM/UIM coverage protects you and your vehicle’s occupants when the “other guys” either are underinsured or have no liability coverage at all. Covered losses include medical payments for you and your occupants as well as your vehicle’s damage.

Due to the fact that many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. So UM/UIM coverage is a good idea.

Collision – This coverage pays for damage to your Avenger resulting from colliding with another car or object. You first must pay a deductible and then insurance will cover the remainder.

Collision can pay for things like backing into a parked car, colliding with a tree, damaging your car on a curb and hitting a parking meter. Collision coverage makes up a good portion of your premium, so consider removing coverage from lower value vehicles. It’s also possible to bump up the deductible to save money on collision insurance.

Liability insurance – This will cover damage that occurs to other people or property. It protects you from claims by other people, and does not provide coverage for damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. You commonly see policy limits of 50/100/50 which stand for a limit of $50,000 per injured person, a limit of $100,000 in injury protection per accident, and $50,000 of coverage for damaged propery.

Liability coverage pays for claims such as bail bonds, repair bills for other people’s vehicles, legal defense fees and funeral expenses. How much liability coverage do you need? That is your choice, but you should buy as high a limit as you can afford.

Comprehensive coverage – Comprehensive insurance will pay to fix damage caused by mother nature, theft, vandalism and other events. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for things like a tree branch falling on your vehicle, falling objects, vandalism, rock chips in glass and a broken windshield. The highest amount you’ll receive from a claim is the cash value of the vehicle, so if the vehicle’s value is low consider dropping full coverage.

Have money to burn

We covered a lot of tips how to get a better price on 2013 Dodge Avenger insurance. It’s most important to understand that the more price quotes you have, the higher the chance of saving money. You may be surprised to find that the biggest savings come from a company that doesn’t do a lot of advertising. Smaller companies often have lower premium rates on specific markets as compared to the big name companies such as Allstate or State Farm.

Cheaper 2013 Dodge Avenger insurance is attainable on the web in addition to local insurance agencies, and you need to price shop both so you have a total pricing picture. Some insurance companies don’t offer the ability to get quotes online and most of the time these regional insurance providers work with local independent agents.

As you prepare to switch companies, it’s not a good idea to skimp on critical coverages to save a buck or two. There have been many situations where an insured dropped collision coverage only to regret at claim time they didn’t have enough coverage. Your goal should be to purchase a proper amount of coverage at the best price, but do not sacrifice coverage to save money.

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