1995 Dodge Avenger Insurance Quotes

No one in their right mind enjoys paying for car insurance, especially when they are paying too much.

Consumers have many auto insurance companies to insure vehicles with, and although it’s nice to be able to choose, it makes it harder to get the best deal.

The purpose of this post is to help you learn how car insurance quotes work. If you have car insurance now, you will be able to save some money using these methods. But car owners do need to learn how the larger insurance companies market on the web because it can help you find the best coverage.

Vehicle Insurance Comparison

There are multiple methods to shop for 1995 Dodge Avenger insurance coverage, but one way is easier and takes less work. You could waste a few hours talking about coverages with agents in your area, or you could save time and use online quoting to achieve your goal.

Many companies participate in an industry program that allows shoppers to send in one quote, and each participating company then returns a price quote based on that data. This eliminates the need for quote forms for each company.

To access this free quoting program, click to open in new window.

The only downside to getting quotes like this is you don’t know exactly the companies you will receive quotes from. So if you want to choose individual companies to request quotes from, we put together a list of companies who write insurance coverage in your area. Click here for list of insurance companies.

It’s up to you which method you use, but ensure you’re using apples-to-apples coverage information for every company. If you have higher or lower deductibles you can’t possibly truly determine the lowest rate. Just a small difference in coverages can result in a big premium difference. Keep in mind that obtaining a wide range of quotes helps locate the best offered rates.

Discounts are available to cut your rates

Insurance can cost an arm and a leg, but there are discounts available that you may not know about. Larger premium reductions will be automatically applied at the time you complete a quote, but some must be asked about before being credited.

  • Government Employees – Employees or retirees of the government could cut as much as 10% off on Avenger coverage depending on your company.
  • Save with a New Car – Putting insurance coverage on a new car can cost up to 25% less because new vehicles have to meet stringent safety requirements.
  • Passive Restraints and Air Bags – Cars that have air bags can qualify for discounts of 20% or more.
  • Resident Student – Youth drivers who live away from home and don’t have a car can receive lower rates.
  • Accident Forgiveness – Certain companies will forgive one accident before your rates go up if you are claim-free prior to the accident.
  • Sign Early and Save – Some companies give discounts for buying a policy before your current policy expires. It can save you around 10%.
  • Good Student Discount – A discount for being a good student can be rewarded with saving of up to 25%. Earning this discount can benefit you until age 25.
  • Memberships – Participating in certain professional organizations is a good way to get lower rates when buying car insurance on Avenger coverage.
  • Homeowners Pay Less – Owning a home can save you money because owning a home demonstrates responsibility.

Consumers should know that most discounts do not apply to the entire cost. Most only apply to specific coverage prices like medical payments or collision. So even though it sounds like all the discounts add up to a free policy, you won’t be that lucky. Any amount of discount will bring down the amount you have to pay.

Companies that possibly offer these benefits include:

Check with all companies you are considering which discounts you may be entitled to. Some discounts might not apply everywhere.

Dodge Avenger insurance rates consist of many parts

It’s important that you understand the factors that go into determining car insurance rates. Having a good understanding of what impacts premium levels helps enable you to make changes that can help you get much lower annual insurance costs.

Listed below are a partial list of the pieces that factor into your rates.

  • Your stress level may be raising your rates – Did you know your job can affect your rates? Occupations such as lawyers, business owners and financial analysts are shown to have higher average rates due to job stress and lengthy work days. Conversely, occupations such as farmers, engineers and performers pay the least on Avenger coverage.
  • Sex matters – The statistics show women tend to be less risk to insure than men. Now that doesn’t mean men are WORSE drivers than women. They both are in accidents in similar numbers, but the male of the species tend to have more serious accidents. Men also tend to receive more costly citations like reckless driving and DUI.
  • High credit ratings translate to low rates – Having a bad credit score is a huge factor in your rate calculation. Drivers with excellent credit tend to file fewer claims and have better driving records than drivers who have lower credit ratings. So if your credit is low, you could potentially save money when insuring your 1995 Dodge Avenger by improving your rating.
  • Being married is a good thing – Being married helps lower the price when buying car insurance. Having a significant other usually means you are more responsible and statistics show drivers who are married are more cautious.

Everyone needs different coverages

When it comes to buying coverage for your personal vehicles, there really is not a best way to insure your cars. Every situation is different and a cookie cutter policy won’t apply. For example, these questions may help highlight if your situation may require specific advice.

  • Am I getting all the discounts available?
  • How does medical payments coverage work?
  • Do I need medical payments coverage since I have good health insurance?
  • Am I covered when driving a rental car?
  • Am I covered by my spouse’s policy after a separation?
  • Do I need PIP coverage since I have good health insurance?
  • How high should my uninsured/underinsured coverage be in my state?
  • Should I buy only the required minimum liability coverage?

If you can’t answer these questions, you may need to chat with an insurance agent. If you want to speak to an agent in your area, simply complete this short form or go to this page to view a list of companies.

Can you really save that much by switching?

Companies like GEICO, State Farm and Progressive constantly bombard you with ads in print and on television. All the ads make an identical promise about savings if you switch your coverage to them. How do they all make almost identical claims?

All companies are able to cherry pick for the right customer that earns them a profit. An example of a driver they prefer might be between the ages of 40 and 55, is a homeowner, and drives less than 7,500 miles a year. Any driver that hits that “sweet spot” is entitled to the best price and therefore will save when they switch companies.

Potential insureds who do not match the requirements will be charged higher premiums and this can result in business not being written. The ads say “people who switch” not “everybody who quotes” save that kind of money. That’s why companies can truthfully make those claims.

That is why you should get a wide range of price quotes. Because you never know the company that will fit your personal profile best.

Auto insurance coverages explained

Having a good grasp of auto insurance can be of help when determining the right coverages and the correct deductibles and limits. The coverage terms in a policy can be ambiguous and reading a policy is terribly boring. Shown next are typical coverage types found on the average auto insurance policy.

Coverage for liability

Liability coverage will cover damages or injuries you inflict on a person or their property that is your fault. This insurance protects YOU from claims by other people. Liability doesn’t cover your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have policy limits of 25/50/25 that means you have a limit of $25,000 per injured person, a total of $50,000 of bodily injury coverage per accident, and a limit of $25,000 paid for damaged property. Another option is one number which is a combined single limit which limits claims to one amount rather than limiting it on a per person basis.

Liability insurance covers things such as emergency aid, attorney fees, pain and suffering and structural damage. How much coverage you buy is a personal decision, but it’s cheap coverage so purchase as large an amount as possible.

Comprehensive auto coverage

This pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive can pay for things like theft, damage from getting keyed and damage from flooding. The most you can receive from a comprehensive claim is the ACV or actual cash value, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Coverage for collisions

This pays for damage to your Avenger resulting from a collision with another car or object. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for things like driving through your garage door, hitting a parking meter, rolling your car, damaging your car on a curb and crashing into a ditch. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Another option is to raise the deductible in order to get cheaper collision rates.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Your UM/UIM coverage protects you and your vehicle when other motorists are uninsured or don’t have enough coverage. It can pay for medical payments for you and your occupants and damage to your Dodge Avenger.

Due to the fact that many drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is a good idea. Most of the time your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.

Medical payments and PIP coverage

Personal Injury Protection (PIP) and medical payments coverage provide coverage for short-term medical expenses such as nursing services, X-ray expenses, dental work and hospital visits. They are often used in conjunction with a health insurance plan or if you lack health insurance entirely. It covers not only the driver but also the vehicle occupants as well as being hit by a car walking across the street. PIP is not available in all states and gives slightly broader coverage than med pay

Save your cold hard cash

As you restructure your insurance plan, do not sacrifice coverage to reduce premiums. There are a lot of situations where an insured cut comprehensive coverage or liability limits only to find out that they should have had better coverage. Your aim should be to buy enough coverage at an affordable rate, not the least amount of coverage.

We just showed you a lot of techniques to shop for 1995 Dodge Avenger insurance online. The most important thing to understand is the more you quote, the better your comparison will be. Consumers could even find that the best prices are with an unexpected company. Regional companies may only write in your state and offer lower rates than the large multi-state companies such as GEICO and State Farm.

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