Are you a victim of an overpriced insurance coverage policy? Believe me, many consumers are feeling buyer’s remorse and feel like there’s no way out. Having so many insurance companies to choose from, it can be challenging to locate the cheapest car insurance company.
Companies offering auto insurance don’t always publicize all their discounts in an easy-to-find place, so we break down some of the best known as well as the least known ways to save on insurance coverage. If they aren’t giving you every credit you deserve, you are throwing money away.
As a disclaimer on discounts, most of the big mark downs will not be given to all coverage premiums. A few only apply to the cost of specific coverages such as comprehensive or collision. So even though it sounds like having all the discounts means you get insurance for free, you won’t be that lucky.
Insurance companies that may offer these benefits include:
Check with all companies you are considering how you can save money. Savings might not be offered in your state.
Getting better 1998 Dodge Avenger insurance coverage pricing can be surprisingly simple. You just need to take the time to compare quotes provided by online insurance companies. It is quite easy and can be accomplished in several different ways.
The single most time-saving way to get quotes is a comparison rater form click to view form in new window. This type of form prevents you from having to do separate quotes for each company. One form submission will get you rate comparisons from multiple companies.
A harder way to obtain and compare quotes online requires you to visit each individual company website to request a price quote. For sake of this example, let’s say you want comparison quotes from Nationwide, Allstate and GEICO. To find out each rate you need to visit each site to input your insurance information, and that’s why the first method is more popular.
For a handy list of car insurance company links in your area, click here.
The least recommended method to compare rates is to spend your day driving to different agent offices. Shopping for insurance coverage online eliminates the need for an insurance agent unless you want the professional guidance of a licensed agent. It is possible to compare online quotes but still have the advice of a local agent.
It’s up to you how you get prices quotes, just make absolute certain that you use apples-to-apples coverage limits and deductibles on every quote. If each company quotes unequal deductibles or liability limits it will be impossible to determine the best price for your Dodge Avenger.
When buying proper insurance coverage for your vehicles, there really is not a “best” method to buy coverage. Each situation is unique and a cookie cutter policy won’t apply. These are some specific questions might point out if you might need professional guidance.
If you can’t answer these questions then you might want to talk to an insurance agent. If you want to speak to an agent in your area, take a second and complete this form or go to this page to view a list of companies. It’s fast, doesn’t cost anything and may give you better protection.
Knowing the specifics of your insurance policy can help you determine the best coverages and proper limits and deductibles. Policy terminology can be impossible to understand and coverage can change by endorsement. These are typical coverages available from insurance companies.
Insurance for medical payments – Coverage for medical payments and/or PIP reimburse you for expenses for things like chiropractic care, doctor visits, prosthetic devices and X-ray expenses. They are used to cover expenses not covered by your health insurance program or if you are not covered by health insurance. Medical payments and PIP cover not only the driver but also the vehicle occupants and also covers getting struck while a pedestrian. Personal injury protection coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage
Collision – This coverage pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. You have to pay a deductible then your collision coverage will kick in.
Collision insurance covers things like hitting a parking meter, damaging your car on a curb, colliding with another moving vehicle, backing into a parked car and hitting a mailbox. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are 8 years or older. You can also raise the deductible to get cheaper collision coverage.
Comprehensive coverage (or Other than Collision) – Comprehensive insurance pays for damage OTHER than collision with another vehicle or object. You first have to pay a deductible and then insurance will cover the rest of the damage.
Comprehensive insurance covers things such as theft, a tree branch falling on your vehicle, damage from flooding, fire damage and a broken windshield. The maximum payout a insurance company will pay at claim time is the actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.
Auto liability insurance – This will cover damages or injuries you inflict on people or other property. It protects you against other people’s claims. Liability doesn’t cover your own vehicle damage or injuries.
Liability coverage has three 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 limit of $25,000 per injured person, a total of $50,000 of bodily injury coverage per accident, and a total limit of $25,000 for damage to vehicles and property.
Liability coverage protects against things such as bail bonds, legal defense fees, structural damage, loss of income and medical services. The amount of liability coverage you purchase is a personal decision, but buy as large an amount as possible.
Uninsured Motorist or Underinsured Motorist insurance – Your UM/UIM coverage provides protection from other drivers when they either have no liability insurance or not enough. Covered losses include hospital bills for your injuries and also any damage incurred to your Dodge Avenger.
Due to the fact that many drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is very important.
Lower-priced 1998 Dodge Avenger insurance can be bought online in addition to many insurance agents, and you should compare price quotes from both in order to have the best price selection to choose from. Some insurance coverage companies do not provide the ability to get a quote online and usually these small insurance companies provide coverage only through local independent agents.
We just covered a lot of techniques to get a better price on insurance. The key concept to understand is the more you quote, the better your chances of lowering your rates. You may even discover the most savings is with an unexpected company. Smaller companies can often insure niche markets at a lower cost as compared to the big name companies such as Progressive or GEICO.
When shopping online for insurance coverage, it’s very important that you do not buy lower coverage limits just to save a few bucks. In many instances, someone sacrificed collision coverage only to regret at claim time that their decision to reduce coverage ended up costing them more. Your aim should be to buy the best coverage you can find at the best price while not skimping on critical coverages.
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