2014 Dodge Avenger Insurance Rates – 9 Ideas for Best Quotes

Searching for lower auto insurance rates? Consumers have many options when looking for low-cost Dodge Avenger insurance. They can either waste time calling around trying to get quotes or utilize the internet to compare rates. There are more efficient ways to compare auto insurance rates so you’re going to learn the proper way to compare rates on a Dodge and obtain the best price possible from both online companies and local agents.

How to Compare Car Insurance Costs

All major car insurance companies such as State Farm and Allstate give price estimates online. The process doesn’t take a lot of time as you just type in your coverage information into a form. When the form is submitted, the system orders your driving and credit reports and returns a price quote based on these factors.

Online price quotes makes it a lot easier to compare rates but the work required to visit several different sites and type in the same information is not the best way to spend an afternoon. But it’s absolutely necessary to do this in order to find the best price on car insurance.

The quickest way to compare rates uses one simple form that obtains quotes from a bunch of companies at once. It saves time, requires much less work on your part, and makes price shopping online a lot less work. Immediately after submitting the form, it gets priced with multiple companies and you can pick any one of the price quotes you receive. If you find a better price you can click and sign and purchase coverage. This process takes 15 minutes at the most and you will know how your current rates stack up.

To find out what other companies charge, simply click here to open in new window and input your coverage information. If you have a policy now, it’s recommended you replicate your coverages identical to your current policy. Doing this guarantees you are getting a rate comparison for the exact same coverage.

Save with discounts on 2014 Dodge Avenger insurance

Companies offering auto insurance don’t list all available discounts in a way that’s easy to find, so here is a list some of the best known and the harder-to-find ways to save on car insurance. If you aren’t receiving every discount available, you’re just leaving money on the table.

  • College Student – Kids in college who are attending college and do not have a car may qualify for this discount.
  • Memberships – Affiliation with a civic or occupational organization is a good way to get lower rates when buying car insurance on Avenger coverage.
  • Low Mileage Discounts – Keeping the miles down on your Dodge can qualify you for lower rates on the low mileage vehicles.
  • Homeowners Pay Less – Owning a home may earn you a small savings because maintaining a house demonstrates responsibility.
  • Passive Restraints and Air Bags – Cars that have air bags or motorized seat belts can receive discounts of up to 25% or more.
  • Theft Prevention Discount – Cars that have factory anti-theft systems can help prevent theft and earn discounts up to 10%.
  • Drivers Ed for Students – Cut your cost by having your teen driver take driver’s ed class in high school.
  • Federal Employees – Employees or retirees of the government could cut as much as 10% off on Avenger coverage with select insurance companies.
  • Payment Discounts – If you pay your bill all at once rather than paying monthly you can actually save on your bill.

A little note about advertised discounts, most of the big mark downs will not be given to all coverage premiums. The majority will only reduce specific coverage prices like physical damage coverage or medical payments. So when it seems like it’s possible to get free car insurance, companies don’t profit that way.

For a list of providers with the best car insurance discounts, follow this link.

Tailor your coverage to you

When it comes to choosing the best auto insurance coverage for your personal vehicles, there really is no one size fits all plan. Everyone’s situation is a little different.

For example, these questions might point out if your insurance needs may require specific advice.

  • Does my liability insurance cover pulling a trailer or camper?
  • Are rental cars covered under my policy?
  • How can I get high-risk coverage after a DUI?
  • Where can I find high-risk insurance?
  • Am I insured when driving a different vehicle?
  • What is the difference between comprehensive and collision coverage?
  • Am I covered when driving on a suspended license?
  • Is my Dodge Avenger covered if I use it for business?
  • Will I lose any money if I cancel my policy before it expires?

If you’re not sure about those questions but you know they apply to you, you might consider talking to an insurance agent. To find an agent in your area, complete this form. It’s fast, free and can help protect your family.

Coverages available on your insurance policy

Learning about specific coverages of your policy aids in choosing appropriate coverage at the best deductibles and correct limits. The terms used in a policy can be ambiguous and nobody wants to actually read their policy.

Auto liability

This coverage can cover injuries or damage you cause to other’s property or people. It protects YOU against claims from other people, and does not provide coverage for damage to your own property or vehicle.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You might see values of 50/100/50 that translate to a $50,000 limit per person for injuries, a per accident bodily injury limit of $100,000, and $50,000 of coverage for damaged propery.

Liability coverage protects against claims such as structural damage, bail bonds, pain and suffering, legal defense fees and repair costs for stationary objects. How much liability coverage do you need? That is a decision to put some thought into, but buy higher limits if possible.

Comprehensive or Other Than Collision

Comprehensive insurance pays to fix your vehicle from damage OTHER than collision with another vehicle or object. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for things like damage from flooding, theft, damage from getting keyed, fire damage and a tree branch falling on your vehicle. The maximum amount a insurance company will pay at claim time is the actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Collision insurance

This coverage pays for damage to your Avenger resulting from a collision with another car or object. A deductible applies and then insurance will cover the remainder.

Collision insurance covers claims like driving through your garage door, colliding with a tree, scraping a guard rail, crashing into a ditch and crashing into a building. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are older. You can also increase the deductible in order to get cheaper collision rates.

UM/UIM Coverage

This protects you and your vehicle when other motorists either are underinsured or have no liability coverage at all. This coverage pays for hospital bills for your injuries as well as your vehicle’s damage.

Because many people have only the minimum liability required by law, their limits can quickly be used up. This is the reason having UM/UIM coverage should not be overlooked.

Medical costs insurance

Personal Injury Protection (PIP) and medical payments coverage pay for short-term medical expenses such as chiropractic care, prosthetic devices, ambulance fees, doctor visits and rehabilitation expenses. They can be used in conjunction with a health insurance policy or if you lack health insurance entirely. It covers you and your occupants and also covers being hit by a car walking across the street. Personal Injury Protection is not available in all states and may carry a deductible