How Much Does 2011 Dodge Avenger Car Insurance Cost?

Finding lower premiums on insurance can be hard for consumers new to comparison shopping online. You have so many options available that it can be a ton of work to locate the lowest price.

You should make it a habit to get comparison quotes every six months because prices are rarely the same from one policy term to another. Just because you found the best rates on Avenger insurance a couple years back you can probably find a better price now. There is a lot of wrong information about insurance online but with this article, you’re going to get some proven techniques to stop overpaying for insurance.

Auto Insurance Prices Online

When shopping for auto insurance there are multiple ways of comparing rate quotes from auto insurance companies in your area. The best method to find the lowest 2011 Dodge Avenger rates consists of obtaining rate quotes online. This can be done in a couple of different ways.

The easiest and least time consuming way to get quotes is to use a rate comparison form like this one (opens in new window). This easy form saves time by eliminating separate quotation requests for each company you want a rate for. Taking the time to complete one form gets rate comparisons from several companies.It’s the quickest way to get rates.

A slightly less efficient method to find lower rates is spending the time to visit each company’s website to complete a price quote. For example, let’s say you want rates from Auto-Owners, GEICO and GMAC. To find out each rate you need to spend time on each company’s site and enter your policy data, which is why the first method is quicker. For a handy list of car insurance company links in your area, click here.

Whichever method you choose, make darn sure you compare exactly the same quote information on every quote you get. If you have different deductibles it’s impossible to make a fair comparison for your Dodge Avenger. Quoting even small variations in coverage limits may result in large price differences. And when comparing auto insurance rates, know that quoting more will enable you to find lower pricing.

Best discounts on Dodge Avenger coverage

Properly insuring your vehicles can get expensive, but you can get discounts to cut the cost considerably. Certain discounts will be triggered automatically at the time of quoting, but a few need to be requested specifically prior to getting the savings.

  • Discounts for Safe Drivers – Drivers who don’t get into accidents can get discounts for up to 45% lower rates on Avenger insurance than their less cautious counterparts.
  • Student in College – Youth drivers who live away from home and do not have a car may be able to be covered for less.
  • Government Employees – Active or retired federal employment may qualify you for a discount on Avenger insurance depending on your company.
  • Good Student Discount – This discount can be rewarded with saving of up to 25%. The discount lasts well after school through age 25.
  • Military Rewards – Being on active duty in the military can result in better rates.
  • Seat Belts Save – Using a seat belt and requiring all passengers to wear their seat belts could save 15% off your medical payments premium.
  • Claim Free – Good drivers with no accidents pay less when compared with drivers who are more careless.
  • Sign Early and Save – Some companies give discounts for signing up before your current expiration date. It can save you around 10%.
  • More Vehicles More Savings – Buying coverage for multiple cars or trucks on the same insurance coverage policy qualifies for this discount.

A little note about advertised discounts, most credits do not apply to the entire policy premium. Most only cut the price of certain insurance coverages like collision or personal injury protection. Even though it may seem like all those discounts means the company will pay you, companies wouldn’t make money that way. Any qualifying discounts will help reduce the cost of coverage.

Insurance companies that may offer these benefits include:

Before buying, ask all companies you are considering how you can save money. All car insurance discounts may not apply in your state.

Tailor your coverage to you

When choosing coverage for your personal vehicles, there really is no perfect coverage plan. Coverage needs to be tailored to your specific needs.

For example, these questions may help you determine whether you would benefit from professional advice.

  • Can I afford to pay high deductible claims out of pocket?
  • Should I file a claim if it’s only slightly more than my deductible?
  • Am I covered if I break a side mirror?
  • Does my personal policy cover me when driving out-of-state?
  • What is covered by UM/UIM coverage?
  • Is business property covered if stolen from my car?
  • When should I drop full coverage on my 2011 Dodge Avenger?
  • Is my ex-spouse still covered by my policy?
  • Do I have coverage when using my vehicle for my home business?
  • Who is covered by my policy?

If you don’t know the answers to these questions, you may need to chat with an insurance agent. To find lower rates from a local agent, fill out this quick form.

Detailed coverages of your insurance policy

Having a good grasp of your insurance policy helps when choosing which coverages you need and proper limits and deductibles. The terms used in a policy can be confusing and even agents have difficulty translating policy wording.

Medical payments and PIP coverage

Medical payments and Personal Injury Protection insurance reimburse you for bills for nursing services, funeral costs, surgery and X-ray expenses. They can be used to cover expenses not covered by your health insurance plan or if you lack health insurance entirely. Coverage applies to not only the driver but also the vehicle occupants and will also cover any family member struck as a pedestrian. Personal injury protection coverage is only offered in select states and may carry a deductible

Collision protection

Collision insurance will pay to fix damage to your Avenger caused by collision with another vehicle or an object, but not an animal. 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, colliding with a tree, colliding with another moving vehicle and sustaining damage from a pot hole. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. It’s also possible to raise the deductible in order to get cheaper collision rates.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other drivers when they either are underinsured or have no liability coverage at all. It can pay for medical payments for you and your occupants as well as your vehicle’s damage.

Since a lot of drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. So UM/UIM coverage is very important. Usually the UM/UIM limits are identical to your policy’s liability coverage.

Comprehensive auto coverage

This coverage will pay to fix damage OTHER than collision with another vehicle or object. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against claims like damage from a tornado or hurricane, falling objects, damage from getting keyed and damage from flooding. The most a insurance company will pay at claim time is the actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.

Liability

Liability coverage can cover damages or injuries you inflict on people or other property in an accident. It protects you against other people’s claims, and does not provide coverage for damage to your own property or vehicle.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show policy limits of 100/300/100 that means you have a $100,000 limit per person for injuries, a per accident bodily injury limit of $300,000, and a limit of $100,000 paid for damaged property. Alternatively, you may have a combined limit which limits claims to one amount and claims can be made without the split limit restrictions.

Liability coverage pays for things such as attorney fees, medical expenses, legal defense fees and repair costs for stationary objects. The amount of liability coverage you purchase is a decision to put some thought into, but you should buy higher limits if possible.