Lower Your 1999 Dodge Avenger Insurance Rates

Buyers have a choice when searching for the lowest priced Dodge Avenger insurance. You can either waste hours driving around trying to get quotes or use the internet to make rate comparisons.

There is a better way to compare auto insurance rates so we’re going to tell you the absolute fastest way to get price quotes for a new or used Dodge and find the cheapest rates from local insurance agents and online providers.

It’s important to get comparison quotes once or twice a year because insurance rates go up and down regularly. Even if you got the best rates for Avenger coverage two years ago you can probably find a lower rate today. Don’t believe everything you read about auto insurance on the internet, so with this article, you’re going to get some solid techniques on how to find cheap auto insurance.

This information will tell you the most effective way to quote insurance and some money-saving tips. If you currently have car insurance, you should be able to cut costs considerably using these techniques. Drivers just need to understand the proper methods to get comparison rates over the internet.

Some factors that can determine what Dodge Avenger insurance costs

Smart consumers have a good feel for the different types of things that play a part in calculating your insurance coverage rates. Having a good understanding of what determines base rates empowers consumers to make smart changes that can help you get much lower annual insurance costs.

Shown below are a partial list of the pieces used by your company to calculate your rates.

  • Better credit scores mean better rates – Credit history is a huge factor in determining your rates. So if your credit is not that good, you could potentially save money when insuring your 1999 Dodge Avenger by improving your credit score. Drivers who have high credit ratings tend to be better drivers and file fewer claims than drivers who have lower credit scores.
  • Multiple policies with one company can save – Most insurers give discounts to policyholders who carry more than one policy in the form of a multi-policy discount. If you currently are using one company, you may still want to comparison shop to verify if the discount is saving money.
  • Where you live – Living in a rural area can be a good thing when it comes to insurance coverage. Fewer people means fewer accidents and also fewer theft and vandalism claims. Urban drivers have to deal with much more traffic to deal with and much longer commute distances. More time on the road can result in more accidents.
  • Sex matters – The statistics show that women are safer drivers than men. Now that doesn’t mean men are WORSE drivers than women. Both sexes are in accidents in similar percentages, but men tend to have more serious accidents. Men also receive more costly citations like reckless driving and DUI.
  • Don’t buy coverages you don’t need – There are a ton of extra bells and whistles that you can get tricked into buying on your Avenger policy. Insurance for rental car reimbursement, accidental death and term life insurance are some examples. They may seem like a good idea when talking to your agent, but if they’re wasting money eliminate the coverages to reduce your premium.
  • How’s your driving record? – Drivers with clean records get better rates compared to drivers with tickets. Just one ticket may increase your cost twenty percent or more. Drivers with flagrant tickets like hit and run, DWI or reckless driving convictions are required to submit a SR-22 or proof of financial responsibility with their state motor vehicle department in order to keep their license.
  • You might want pay the small claims yourself – If you frequently file small claims, you can look forward to higher rates. Car insurance companies provide lower rates to people who do not file claims often. Insurance coverage is intended for larger claims.
  • Don’t sacrifice liability coverage – Liability coverage provides coverage in the event that a jury decides you are liable for causing damage or personal injury in an accident. Liability insurance provides you with a defense in court which can be incredibly expensive. Liability is cheap when compared with rates for comp and collision, so do not cut corners here.

Save money by taking advantage of these discounts

Insurance can be prohibitively expensive, but you can get discounts to cut the cost considerably. Certain discounts will be applied when you complete an application, but less common discounts must be requested specifically before they will apply. If you don’t get every credit you qualify for, you’re just leaving money on the table.

  • Theft Prevention System – Vehicles with anti-theft systems help deter theft and therefore earn up to a 10% discount.
  • Drivers Education – Cut your cost by having your teen driver enroll in driver’s education if offered at their school.
  • Discount for Swiching Early – A few companies offer discounts for switching to them before your current policy expires. The savings is around 10%.
  • Drive Safe and Save – Safe drivers may receive a discount up to 45% less for Avenger coverage than their less cautious counterparts.
  • Discount for Life Insurance – Select insurance companies reward you with lower rates if you buy a life insurance policy as well.

A little note about advertised discounts, most of the big mark downs will not be given to the entire policy premium. Most only cut the price of certain insurance coverages like collision or personal injury protection. So despite the fact that it appears having all the discounts means you get insurance for free, you won’t be that lucky. Any qualifying discounts will help reduce the cost of coverage.

Insurance companies that may offer these money-saving discounts include:

It’s a good idea to ask every prospective company which discounts you may be entitled to. Some discounts may not apply everywhere.

Save $405 a year? Really?

Consumers constantly see and hear ads that promise big savings by companies like State Farm, Allstate and GEICO. All the companies make the same claim of big savings if you switch to them.

How can each company claim to save you money? It’s all in the numbers.

Insurance companies have a certain “appetite” for the right customer that earns them a profit. A good example of a desirable insured might be profiled as over the age of 50, a clean driving record, and has great credit. Any new insured who fits that profile receives the best rates and therefore will pay quite a bit less when switching companies.

Drivers who are not a match for the requirements will be charged higher prices and ends up with business going elsewhere. The ads state “drivers who switch” not “people who quote” save that much money. That’s the way insurance companies can confidently make those claims.

That is why drivers must get as many comparisons as possible. It’s not possible to predict which insurance company will provide you with the cheapest Dodge Avenger insurance rates.

When should I use an insurance agent?

When choosing the best insurance coverage for your personal vehicles, there really is not a “best” method to buy coverage. Every insured’s situation is different.

For example, these questions could help you determine whether your personal situation will benefit from professional help.

  • Can I get a multi-policy discount?
  • Can I drive in Mexico and have coverage?
  • Do I need medical payments coverage since I have good health insurance?
  • Am I covered when driving someone else’s vehicle?
  • Do I need replacement cost coverage?
  • Is my 1999 Dodge Avenger covered for flood damage?
  • Am I missing any policy discounts?
  • Why is insurance for a teen driver so high?
  • What is PIP insurance?
  • When should I drop full coverage on my 1999 Dodge Avenger?

If it’s difficult to answer those questions, you might consider talking to an agent. To find lower rates from a local agent, fill out this quick form. It only takes a few minutes and may give you better protection.

Coverages available on your insurance policy

Learning about specific coverages of your insurance policy can be of help when determining appropriate coverage at the best deductibles and correct limits. Insurance terms can be impossible to understand and reading a policy is terribly boring.

Coverage for medical payments – Personal Injury Protection (PIP) and medical payments coverage provide coverage for short-term medical expenses for funeral costs, nursing services and chiropractic care. They can be utilized in addition to your health insurance policy or if there is no health insurance coverage. Coverage applies to you and your occupants as well as being hit by a car walking across the street. PIP is not available in all states and may carry a deductible

Comprehensive coverages – This covers damage OTHER than collision with another vehicle or object. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive can pay for things such as a broken windshield, vandalism, fire damage, hail damage and hitting a bird. The maximum amount you’ll receive from a claim is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Collision coverage – This coverage pays for damage to your Avenger caused by collision with another car or object. You will need to pay your deductible and then insurance will cover the remainder.

Collision coverage protects against things such as sustaining damage from a pot hole, backing into a parked car and hitting a parking meter. This coverage can be expensive, so consider dropping it from older vehicles. Drivers also have the option to bump up the deductible to bring the cost down.

Uninsured and underinsured coverage – Your UM/UIM coverage protects you and your vehicle’s occupants when other motorists 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.

Since many drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage is very important. Most of the time the UM/UIM limits are identical to your policy’s liability coverage.

Liability car insurance – Liability insurance provides protection from injuries or damage you cause to people or other property that is your fault. It protects you from claims by other people. It does not 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. You commonly see limits of 50/100/50 that translate to $50,000 bodily injury coverage, a limit of $100,000 in injury protection per accident, and property damage coverage for $50,000. Alternatively, you may have a combined single limit or CSL which combines the three limits into one amount rather than limiting it on a per person basis.

Liability can pay for claims such as court costs, loss of income, attorney fees, emergency aid and pain and suffering. The amount of liability coverage you purchase is a personal decision, but consider buying as much as you can afford.

In Summary

While you’re price shopping online, it’s a bad idea to reduce needed coverages to save money. Too many times, an insured dropped full coverage and learned later that the few dollars in savings costed them thousands. The proper strategy is to buy the best coverage you can find for the lowest price while not skimping on critical coverages.

Lower-priced 1999 Dodge Avenger insurance is attainable on the web and with local insurance agents, and you should be comparing both to have the best rate selection. There are still a few companies who do not offer the ability to get a quote online and most of the time these small insurance companies sell through independent agents.

In this article, we covered a lot of techniques to get a better price on insurance. The key thing to remember is the more quotes you get, the higher your chance of finding lower rates. You may even discover the best price on insurance coverage is with the smaller companies.

Even more information is available at these sites: