2000 Dodge Avenger Car Insurance Cost – 7 Discounts for Cheaper Prices

Searching for better car insurance rates for your Dodge Avenger? Searching for the lowest cost car insurance online is intimidating for consumers new to comparing rates online. Because there are so many online companies available, how can anyone have a chance to compare every one to find the cheapest available price?

You need to take a look at other company’s rates at least once a year because prices change quite often. If you had the best price on Avenger coverage six months ago you will most likely find a better rate today. Starting now, ignore everything you know about car insurance because you’re going to get a crash course in the only way to remove unneeded coverages and save money.

The quickest method we recommend to compare rates utilizes the fact most of the larger companies actually pay money for the chance to provide you with a free rate quote. The one thing you need to do is provide a small amount of information like deductibles desired, if you lease or own, if you went to college, and your job. Your information is instantly provided to many of the top insurers and you will get price comparisons within a short period of time.

To compare rates now, click here and find out if lower rates are available.

Drivers who switch save $470 a year? Really?

Auto insurance companies such as State Farm, GEICO and Progressive constantly bombard you with television and radio advertisements. They all seem to make an identical promise about savings if you switch to their company. How can each company make the same claim? This is how they do it.

Different companies have a certain “appetite” for the type of customer they prefer to insure. An example of a driver they prefer could be between 25 and 40, insures multiple vehicles, and has a high credit rating. Any driver who meets those qualifications receives the best rates and therefore will save when they switch companies.

Drivers who fall outside this ideal profile will have to pay higher rates which usually ends up with business not being written. The ad wording is “customers that switch” not “everyone that quotes” save that much. That’s the way insurance companies can confidently advertise the way they do. Because of the profiling, it is so important to get quotes from several different companies. Because you never know which insurance companies will give you the biggest savings on Dodge Avenger insurance.

Do you qualify for these seven discounts?

Companies that sell car insurance do not list all available discounts very clearly, so here is a list some of the more common and the harder-to-find ways to save on insurance.

  • Federal Government Employee – Active or retired federal employment may qualify you for a discount on Avenger coverage depending on your company.
  • Safety Course Discount – Taking a course in driver safety could cut 5% off your bill and easily recoup the cost of the course.
  • Discount for New Cars – Putting insurance coverage on a new car is cheaper due to better safety requirements for new cars.
  • Multiple Policy Discount – If you have multiple policies with the same insurance company you will save up to 20% off your total premium.
  • Anti-lock Brakes – Vehicles with anti-lock braking systems are safer to drive and will save you 10% or more.
  • Club Memberships – Being a member of certain professional organizations could trigger savings on your policy on Avenger coverage.
  • Accident Forgiveness – A few companies allow you one accident before your rates go up as long as you don’t have any claims for a set time period.

Keep in mind that most credits do not apply to the entire policy premium. The majority will only reduce the cost of specific coverages such as comp or med pay. So when it seems like all the discounts add up to a free policy, it doesn’t quite work that way.

Insurance companies that may offer these discounts may include but are not limited to:

It’s a good idea to ask each insurance company which discounts they offer. All car insurance discounts may not apply in your area.

Don’t assume everyone needs the same coverage

When it comes to choosing coverage, there is no best way to insure your cars. Your needs are not the same as everyone else’s.

For instance, these questions could help you determine if you could use an agent’s help.

  • Should I have combined single limit or split liability limits?
  • Should I get collision insurance on every vehicle?
  • How much liability coverage do I need in my state?
  • Am I covered if I drive in a foreign country?
  • Should I waive the damage coverage when renting a car?
  • Does my policy pay for OEM or aftermarket parts?
  • Is my vehicle covered by my employer’s policy when using it for work?
  • Does my policy cover me when driving someone else’s vehicle?
  • What companies insure drivers after a DUI or DWI?

If you don’t know the answers to these questions, you may need to chat with a licensed agent. To find lower rates from a local agent, complete this form.

Auto insurance coverage basics

Understanding the coverages of your auto insurance policy can help you determine the right coverages and proper limits and deductibles. The terms used in a policy can be impossible to understand and coverage can change by endorsement.

Comprehensive insurance – Comprehensive insurance coverage covers damage from a wide range of events other than collision. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers things like vandalism, hitting a bird, damage from getting keyed and rock chips in glass. The highest amount your auto insurance company will pay is the actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Uninsured/Underinsured Motorist (UM/UIM) – This protects you and your vehicle from other drivers when they are uninsured or don’t have enough coverage. Covered claims include hospital bills for your injuries and damage to your Dodge Avenger.

Since a lot of drivers have only the minimum liability required by law, their limits can quickly be used up. This is the reason having UM/UIM coverage is a good idea.

Liability coverage – This coverage protects you from injuries or damage you cause to other’s property or people by causing an accident. Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. You might see values of 100/300/100 that means you have $100,000 bodily injury coverage, $300,000 for the entire accident, and $100,000 of coverage for damaged propery.

Liability can pay for claims such as repair bills for other people’s vehicles, bail bonds and legal defense fees. The amount of liability coverage you purchase is a decision to put some thought into, but buy as much as you can afford.

Collision coverages – This coverage will pay to fix damage to your Avenger resulting from a collision with another vehicle or an object, but not an animal. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision coverage protects against things like colliding with a tree, sideswiping another vehicle, colliding with another moving vehicle and scraping a guard rail. Collision is rather expensive coverage, so consider removing coverage from older vehicles. Drivers also have the option to increase the deductible to save money on collision insurance.

Med pay and Personal Injury Protection (PIP) – Med pay and PIP coverage provide coverage for bills for things like doctor visits, dental work and X-ray expenses. They are often used to fill the gap from your health insurance plan or if there is no health insurance coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants as well as if you are hit as a while walking down the street. PIP is only offered in select states and gives slightly broader coverage than med pay

Shop smart and save

People change insurance companies for a variety of reasons including not issuing a premium refund, high prices, unfair underwriting practices and even extreme rates for teen drivers. No matter why you want to switch, switching auto insurance companies is less work than it seems.

We covered a lot of tips how to reduce 2000 Dodge Avenger insurance prices online. The key thing to remember is the more quotes you get, the better your comparison will be. Consumers may even find the lowest premiums are with an unexpected company.

Budget-conscious insurance is possible on the web as well as from independent agents, so you should compare both to get a complete price analysis. There are still a few companies who don’t offer you the ability to get quotes online and usually these regional insurance providers provide coverage only through local independent agents.

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