Compare 2014 Dodge Avenger Insurance Quotes

Searching for lower car insurance rates for your Dodge Avenger? Did a good deal turn out to be high-priced car insurance? It’s quite common and you are not the only one feeling buyer’s remorse. Due to the increasing number of choices, it is very difficult to choose the most affordable company.

It’s important to do rate comparisons yearly because prices are variable and change quite frequently. Even if you got the best price on Avenger coverage a year ago a different company probably has better rate quotes today. There is a lot of bad information regarding car insurance on the internet, but in this article, you’re going to get some great ideas on how to quit paying high car insurance rates.

The purpose of this post is to let you in on how to effectively get price quotes and some tricks to saving. If you currently have car insurance, you will most likely be able to lower your premiums substantially using this strategy. Vehicle owners only need an understanding of the most efficient way to shop their coverage around on the web.

How to buy auto insurance online

Most major insurance companies give prices online. This process is quite simple as you simply type in on the page. When complete, the quote system automatically retrieves your driving record and credit report and gives you a price quote based on the information you submitted. Online quotes makes it a lot easier to compare rates but the work required to visit different websites and type in the same data is monotonous and tiresome. But it’s necessary to perform this step if you are searching for the best price on auto insurance.

A better way to find lower prices uses just one form that analyzes rates from more than one company. It’s a real time-saver, reduces the work, and makes online shopping much easier to do. Immediately after submitting the form, it gets priced and you are able to buy any or none of the returned quotes.

If one or more price quotes are lower than your current rates, you can click and sign and purchase the new policy. This process can be completed in a matter of minutes and could lower your rates considerably.

To quickly fill out one form to compare multiple rates now, click here to open in new window and enter your information. If you have a policy now, it’s recommended you duplicate deductibles and limits as shown on your current policy. Doing this assures you will have a fair comparison using the same coverage and limits.

Advertising myths

Consumers can’t ignore all the ads for car insurance savings by companies like Allstate, GEICO and Progressive. All the companies try to convey promises that people will save just by switching to them.

How do they all charge you less for auto insurance? Here is how they do it.

Companies have strict underwriting profiles for the driver that earns them the highest profit. For instance, this type of risk profile may need to be between the ages of 40 and 55, has never had a policy lapse, and drives less than 7,500 miles a year. Anybody that fits those parameters receive the lowest rate quotes and as a result will probably save quite a bit of money when switching.

People who do not fit the requirements will probably be forced to pay higher prices and this can result in the customer buying from someone else. If you listen closely, the ads state “drivers who switch” but not “all drivers who get quotes” can save as much as they claim. That’s the way insurance companies can claim big savings.

Because every company is different, you really should get a wide range of price quotes. Because without a comparison, you cannot know with any certainty which company will provide you with the cheapest auto insurance rates.

Dodge Avenger insurance prices can be lower

It’s important that you understand some of the factors that come into play when calculating your policy premiums. When you understand what impacts premium levels, this enables you to make decisions that could result in lower auto insurance prices. Many factors are used in the calculation when pricing auto insurance. Some factors are common sense such as your driving history, although others are not quite as obvious such as your marital status or your financial responsibility.

The itemized list below are some of the most common factors utilized by car insurance companies to help set rates.

  • Good credit scores equal low rates – Having a bad credit history can be a huge factor in determining premium rates. If your credit history is lower than you’d like, you may save money insuring your 2014 Dodge Avenger if you clean up your credit. Consumers who have good credit tend to be better risks to insure than drivers with lower ratings.
  • Pleasure use saves money – The more you drive your Dodge each year the more you’ll pay to insure your vehicle. The majority of insurers charge rates based upon how you use the vehicle. Cars and trucks that do not get driven very much can be on a lower rate level compared to those used for work or business. Having an incorrect usage rating on your Avenger may be costing you. Verify your auto insurance policy reflects the proper vehicle usage, because it can save money.
  • Never let your auto insurance policy lapse – Letting your insurance expire is a guaranteed way to drive up your policy premiums. And not only will insurance be more expensive, failure to provide proof of insurance will get you fines and jail time. You could then be forced to provide proof of insurance in the form of an SR-22 filing with your state department of motor vehicles.
  • When should you file a insurance claims? – If you’re an insured who likes to file claims you can look forward to either a policy non-renewal or much higher rates. Car insurance companies provide the lowest premiums to policyholders who do not rely on their insurance for small claims. Insurance coverage is meant to be used in the event of larger claims.
  • Do females or males drive better? – Statistics demonstrate that females take fewer risks when driving. That doesn’t necessarily mean that men are WORSE drivers than women. They both cause at-fault accidents at a similar rate, but the males get into accidents with more damage. Men also have more aggressive citations such as reckless driving.
  • Avoid tickets and save – Whether or not you get tickets influences premium rates substantially. Drivers who don’t get tickets pay lower auto insurance prices as compared to those with violations. Getting just one speeding ticket or other violation can increase rates to the point where it’s not affordable. Drivers unfortunate enough to have dangerous violations like DWI, reckless driving or hit and run convictions may find they need to file a proof of financial responsibility form (SR-22) with their state’s licensing department in order to legally drive a vehicle.

Get cheaper auto insurance rates with discounts

Some providers do not list every discount very well, so we took the time to find a few of the more well known in addition to some of the lesser obvious ways to save on auto insurance.

  • Discounts for Government Workers – Active or retired federal employment can earn a discount up to 10% on Avenger coverage with some auto insurance companies.
  • Payment Method – If you can afford to pay the entire bill instead of making monthly payments you can avoid monthly service charges.
  • Theft Prevention Discount – Anti-theft and alarm system equipped vehicles are stolen with less frequency and will qualify for a discount on a car insurance quote.
  • Clubs and Organizations – Having an affiliation with qualifying clubs or civic groups could trigger savings on your bill.
  • Home Ownership Discount – Just being a homeowner can get you a discount because of the fact that having a home shows financial diligence.
  • Passive Restraints – Cars that have air bags or motorized seat belts can get savings of 20 to 30 percent.
  • Sign Online – Some auto insurance companies may give you up to $50 just for signing your application over the internet.
  • College Student – Any of your kids who attend college more than 100 miles from home and do not take a car to college may qualify for this discount.

As a sidenote, many deductions do not apply the the whole policy. Some only apply to the price of certain insurance coverages like collision or personal injury protection. Despite the appearance that you would end up receiving a 100% discount, companies wouldn’t make money that way. Any qualifying discounts should definitely cut your policy premiums.

To locate auto insurance companies who offer discounts, click here to view.

Tailor your insurance coverage coverage to you

When choosing proper insurance coverage for your personal vehicles, there is no “perfect” insurance plan. Every insured’s situation is different so your insurance should reflect that For example, these questions can aid in determining if you would benefit from professional advice.

  • Do I need roadside assistance coverage?
  • Can I afford to pay high deductible claims out of pocket?
  • Am I covered if I drive in a foreign country?
  • When would I need rental car insurance?
  • How can I get high-risk coverage after a DUI?
  • When should my teen driver be added to my policy?
  • Does my liability insurance cover pulling a trailer or camper?
  • Should I carry comprehensive and collision coverage?
  • Will I lose any money if I cancel my policy before it expires?

If you’re not sure about those questions but you think they might apply to your situation, you might consider talking to an insurance agent. To find an agent in your area, simply complete this short form or go to this page to view a list of companies. It is quick, free and you can get the answers you need.

Insurance coverage considerations

Having a good grasp of your policy aids in choosing the best coverages and the correct deductibles and limits. Insurance terms can be confusing and coverage can change by endorsement. These are typical coverage types offered by insurance companies.

Collision insurance

Collision coverage pays for damage to your Avenger resulting from a collision with another car or object. A deductible applies then the remaining damage will be paid by your insurance company.

Collision insurance covers things like hitting a parking meter, crashing into a ditch, sideswiping another vehicle, rolling your car and sustaining damage from a pot hole. This coverage can be expensive, so consider dropping it from lower value vehicles. It’s also possible to choose a higher deductible to save money on collision insurance.

Auto liability

This can cover damage or injury you incur to people or other property that is your fault. This insurance protects YOU against other people’s claims, and 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. You might see liability limits of 25/50/25 that means you have a $25,000 limit per person for injuries, $50,000 for the entire accident, and a total limit of $25,000 for damage to vehicles and property. Some companies may use a combined limit which combines the three limits into one amount without having the split limit caps.

Liability can pay for claims such as medical expenses, court costs and pain and suffering. The amount of liability coverage you purchase is your choice, but consider buying as high a limit as you can afford.

Protection from uninsured/underinsured drivers

Uninsured or Underinsured Motorist 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 injuries to you and your family as well as damage to your 2014 Dodge Avenger.

Since many drivers carry very low liability coverage limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages is very important. Usually your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.

Medical expense insurance

Personal Injury Protection (PIP) and medical payments coverage provide coverage for short-term medical expenses for things like funeral costs, doctor visits and chiropractic care. They are used in conjunction with a health insurance policy or if you do not have health coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants and also covers getting struck while a pedestrian. PIP coverage is not universally available and gives slightly broader coverage than med pay

Comprehensive (Other than Collision)

Comprehensive insurance pays for damage from a wide range of events other than collision. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive coverage protects against claims like hitting a deer, falling objects, theft and a broken windshield. The highest amount your insurance company will pay is the cash value of the vehicle, so if the vehicle is not worth much consider dropping full coverage.

Smart shoppers get results

As you quote car insurance, do not reduce needed coverages to save money. There have been many situations where an insured dropped liability coverage limits and discovered at claim time that the few dollars in savings costed them thousands. The ultimate goal is to find the BEST coverage at the best possible price.

A few companies may not provide rates over the internet and usually these smaller companies work with independent agents. Budget-friendly auto insurance can be sourced on the web in addition to local insurance agencies, and you should compare rates from both to have the best rate selection.

Throughout this article, we presented many tips how you can compare 2014 Dodge Avenger insurance rates online. The key thing to remember is the more rate quotes you have, the better chance you’ll have of finding the cheapest car insurance. You may even find the biggest savings come from the least-expected company. These smaller insurers can often insure niche markets at a lower cost than their larger competitors like State Farm and Allstate.

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