1996 Dodge Avenger Insurance Rates – 6 Ways to Save

Nobody likes paying for auto insurance, in particular when they are paying too much. Multiple auto insurance companies compete for your business, so it can be very hard to choose a insurer and get the best coverage at the lowest rate possible.

It’s smart to shop coverage around periodically because prices are adjusted regularly by insurance companies. If you had the lowest rates on Avenger coverage a year ago you can probably find a better price now. Starting right now, ignore everything you know about auto insurance because you’re going to get a crash course in the best way to reduce your cost while increasing coverage.

The quickest method we recommend to compare car insurance rates is to take advantage of the fact most insurance companies actually pay money for the chance to quote your coverage. The only thing you need to do is spend a couple of minutes providing details including whether you drive to work or school, if your license is active, an estimate of your credit level, and how old drivers are. The data is then sent to many highly-rated insurers and you will receive price estimates instantly.

To compare multiple company rates now, click here and complete the form.

Beware of misleading auto insurance ads

Consumers constantly see and hear ads for the lowest price auto insurance by Progressive, Allstate and GEICO. All the companies say the same thing that you’ll save big after switching to their company.

How does each company make the same claim?

All the different companies can use profiling for the type of driver that is profitable for them. For instance, a profitable customer might be over the age of 40, a clean driving record, and chooses high deductibles. Any new insured who fits that profile will get very good rates and is almost guaranteed to save a lot of money.

Potential customers who don’t qualify for this ideal profile will be charged higher premiums which leads to business not being written. The ads state “customers who switch” but not “drivers who get quotes” save that much money. This is how insurance companies can confidently make the claims of big savings. That is why it’s extremely important to get as many comparisons as possible. It is impossible to predict which auto insurance company will have the lowest Dodge Avenger insurance rates.

Be sure to get all your discounts

Car insurance companies don’t always list all available discounts in an easy-to-find place, so we break down some of the best known and the harder-to-find ways to save on auto insurance. If they aren’t giving you every credit you qualify for, you’re paying more than you need to.

  • Seat Belts Save more than Lives – Using a seat belt and requiring all passengers to use their safety belts could cut 10% or more off the personal injury premium cost.
  • Anti-theft Discount – Anti-theft and alarm systems are stolen less frequently and earn discounts up to 10%.
  • Multiple Vehicles – Insuring multiple vehicles on one policy qualifies for this discount.
  • Auto/Home Discount – When you have multiple policies with one insurance company you may save at least 10% off all policies.
  • Payment Method – If you pay your entire premium ahead of time instead of paying each month you could save up to 5%.
  • Defensive Driver – Taking a course in driver safety could save 5% or more depending on where you live.

Consumers should know that most of the big mark downs will not be given the the whole policy. Most only cut specific coverage prices like comp or med pay. So even though they make it sound like it’s possible to get free car insurance, you’re out of luck.

To see a list of companies offering auto insurance discounts, click this link.

How do I know if I need professional advice?

When it comes to choosing coverage for your personal vehicles, there isn’t really a “perfect” insurance plan. Everyone’s situation is a little different so your insurance needs to address that. For example, these questions may help highlight whether or not you will benefit from professional help.

  • Does my policy pay for OEM or aftermarket parts?
  • How much liability do I need to cover my assets?
  • Are my tools covered if they get stolen from my vehicle?
  • Am I covered when renting a car or should I buy coverage from the car rental agency?
  • How high should deductibles be on a 1996 Dodge Avenger?
  • How high should my uninsured/underinsured coverage be in my state?
  • What if I owe more than I can insure my car for?
  • Do I have coverage when making deliveries for my home business?

If it’s difficult to answer those questions but a few of them apply, you might consider talking to a licensed insurance agent. To find lower rates from a local agent, take a second and complete this form or you can go here for a list of companies in your area. It’s fast, free and may give you better protection.

Insurance specifics

Learning about specific coverages of your policy can help you determine the best coverages at the best deductibles and correct limits. Insurance terms can be difficult to understand and even agents have difficulty translating policy wording. These are the usual coverages found on most insurance policies.

Auto liability insurance – This coverage will cover damage that occurs to other’s property or people in an accident. It protects you from claims by other people. Liability doesn’t cover damage sustained by your vehicle in an accident.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have values of 50/100/50 which stand for a limit of $50,000 per injured person, a total of $100,000 of bodily injury coverage per accident, and $50,000 of coverage for damaged propery.

Liability can pay for things like medical services, funeral expenses, court costs and loss of income. The amount of liability coverage you purchase is up to you, but it’s cheap coverage so purchase as large an amount as possible.

Collision coverage – This pays to fix your vehicle from damage from colliding with a stationary object or other vehicle. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for things like scraping a guard rail, damaging your car on a curb, crashing into a building and sustaining damage from a pot hole. Collision is rather expensive coverage, so consider dropping it from vehicles that are older. It’s also possible to raise the deductible to bring the cost down.

Comprehensive or Other Than Collision – Comprehensive insurance coverage pays to fix your vehicle from damage that is not covered by collision coverage. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers claims like damage from getting keyed, damage from a tornado or hurricane and falling objects. The highest amount you’ll receive from a claim is the actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.

UM/UIM Coverage – Your UM/UIM coverage gives you protection from other drivers when they either are underinsured or have no liability coverage at all. This coverage pays for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Since many drivers only purchase the least amount of liability that is required, their limits can quickly be used up. For this reason, having high UM/UIM coverages is very important.

Medical costs insurance – Personal Injury Protection (PIP) and medical payments coverage reimburse you for bills for things like prosthetic devices, X-ray expenses, hospital visits and ambulance fees. The coverages can be used in conjunction with a health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover you and your occupants and also covers being hit by a car walking across the street. Personal injury protection coverage is only offered in select states but can be used in place of medical payments coverage

Be a money saver!

We just presented a lot of techniques to reduce 1996 Dodge Avenger insurance prices online. It’s most important to understand that the more rate comparisons you have, the higher the chance of saving money. Drivers may discover the lowest priced insurance comes from a small mutual company. Regional companies may have significantly lower rates on certain market segments than the large multi-state companies such as Allstate or State Farm.

Lower-priced insurance can be sourced both online as well as from independent agentsinsurance , so you should compare both to have the best rate selection. A few companies don’t offer the ability to get a quote online and many times these small insurance companies only sell through independent insurance agents.

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