View 2012 Dodge Avenger Car Insurance Quotes

Having to pay for overpriced Dodge Avenger insurance can overdraw your bank account, especially in this economy. Doing a price comparison is free and is an excellent way to cut your insurance bill. With so many choices, it can be diffult for consumers to pick the lowest cost company.

Finding the best rates is easy if you know what you’re doing. If you have car insurance now, you stand a good chance to be able to cut costs considerably using these techniques. Drivers only need an understanding of the most effective way to find the lowest price online.

The easiest way to get rate comparisons is to realize all the major auto insurance companies allow for online access to provide you with free rate quotes. To begin a comparison, all you need to do is provide a little information including daily mileage, which vehicles you own, deductibles desired, and if you went to college. Your rating data is sent automatically to multiple companies and they respond with quotes almost instantly.

To get price quotes for your 2012 Dodge Avenger, click here then complete the form.

Are you getting all your discounts?

Car insurance companies don’t always list every discount in an easy-to-find place, so we researched some of the more common and the more hidden discounts you could be receiving. If they aren’t giving you every credit you qualify for, you are throwing money away.

  • Employee of Federal Government – Active or retired federal employment can save as much as 8% for Avenger insurance with select insurance companies.
  • Seat Belts Save more than Lives – Drivers who require all occupants to use their safety belts could cut 10% or more on the medical payments or PIP coverage costs.
  • Service Members Pay Less – Being deployed with a military unit could be rewarded with lower premiums.
  • Anti-theft Discount – Vehicles equipped with anti-theft or alarm systems are stolen less frequently and earn discounts up to 10%.
  • Accident Forgiveness – A few companies will allow you to have one accident before raising your premiums if you are claim-free for a particular time prior to the accident.
  • Paperless Signup – Certain companies will discount your bill up to fifty bucks for buying your policy over the internet.

It’s important to note that many deductions do not apply to the entire cost. A few only apply to the price of certain insurance coverages like liability and collision coverage. So when it seems like having all the discounts means you get insurance for free, companies don’t profit that way.

For a list of companies with the best auto insurance discounts, click here.

When might I need an agent?

When buying the right insurance coverage, there really is no “perfect” insurance plan. Everyone’s situation is unique so your insurance needs to address that. Here are some questions about coverages that could help you determine if you might need professional guidance.

  • I have a DUI can I still get coverage?
  • Does my medical payments coverage pay my health insurance deductible?
  • What are the financial responsibility laws in my state?
  • Does my policy pay for OEM or aftermarket parts?
  • Are all vehicle passengers covered by medical payments coverage?
  • Does liability extend to a camper or trailer?
  • What is PIP insurance?
  • Am I covered if hit by an uninsured driver?
  • Why does it cost so much to insure a teen driver?
  • Does my policy cover me when driving someone else’s vehicle?

If you can’t answer these questions but a few of them apply, you may need to chat with a licensed agent. If you want to speak to an agent in your area, complete this form or you can also visit this page to select a carrier It is quick, free and may give you better protection.

Dodge Avenger rates are in the details

Smart consumers have a good feel for the rating factors that play a part in calculating your insurance rates. Knowing what determines base rates enables informed choices that may reward you with much lower annual insurance costs.

Shown below are some of the items insurance companies consider when setting rates.

  • Protect your assets with liability insurance – The liability section of your policy is the protection in the event that a jury decides you are liable for personal injury or accident damage. It provides legal defense which can cost thousands of dollars. Liability is cheap compared to insuring for physical damage coverage, so do not cut corners here.
  • Lower miles equals lower premium – The more you drive in a year’s time the more you’ll pay to insure your vehicle. The majority of insurers apply a rate based on their usage. Cars left parked in the garage receive lower rates as compared to vehicles used primarily for driving to work. Make sure your insurance policy is showing the correct driver usage, because improper ratings can cost you money. Incorrect usage on your Avenger can cost quite a bit.
  • Men pay higher rates – Statistics have proven that men are more aggressive behind the wheel. However, this does not mean men are worse drivers. Men and women tend to get into accidents at a similar rate, but the men have costlier accidents. Men also statistically get cited for more serious violations such as DWI and reckless driving. Young males are the most expensive to insure and are penalized with high insurance rates.
  • How credit affects insurance rates – Having a bad credit score is a big factor in determining your rates. People with good credit tend to be more responsible than drivers who have lower credit scores. If your credit is low, you could save money insuring your 2012 Dodge Avenger by improving your rating.
  • Tickets mean higher rates – Your driving citation history impacts your car insurance rates tremendously. Just one citation can increase rates forty percent or more. Good drivers tend to pay less for car insurance than people who have multiple driving citations. Drivers who have severe citations like DWI, reckless driving or hit and run convictions may need to submit a SR-22 or proof of financial responsibility with their state DMV in order to drive a vehicle legally.
  • Where you live is a factor – Residing in a rural area is a positive aspect when talking about insurance. Fewer people means a lower chance of having an accident and a lower car theft rate. City drivers have more traffic problems and longer commute times. More time commuting means more change of being in an accident.
  • Higher safety ratings means cheaper insurance – Vehicles with good safety scores get lower rates. Safe vehicles reduce injuries and lower injury rates translates into savings for insurance companies and more competitive rates for policyholders. If your Dodge Avenger has ratings of a minimum an “acceptable” rating on the Insurance Institute for Highway Safety website it is probably cheaper to insure.

Are auto insurance companies telling the truth?

Drivers get pounded daily by advertisements for cheaper car insurance by 21st Century, Allstate and State Farm. They all have a common claim that you’ll save big after switching to their company.

But how can every company say the same thing?

All the different companies have a certain “appetite” for the type of customer that makes them money. A good example of a driver they prefer could possibly be over the age of 50, is a homeowner, and chooses high deductibles. Any new insured that hits that “sweet spot” will get very good rates and as a result will probably save when switching.

Drivers who don’t measure up to these standards will have to pay higher rates which leads to business going elsewhere. The ads state “customers that switch” not “everybody who quotes” save that much. That’s the way insurance companies can confidently state the savings. Because of the profiling, you absolutely need to compare many company’s rates. It is impossible to predict which insurance companies will give you the biggest savings on Dodge Avenger insurance.

Auto insurance coverage basics

Understanding the coverages of auto insurance helps when choosing the best coverages and proper limits and deductibles. The coverage terms in a policy can be impossible to understand and even agents have difficulty translating policy wording. Shown next are the normal coverages available from auto insurance companies.

Insurance for medical payments

Medical payments and Personal Injury Protection insurance kick in for short-term medical expenses such as rehabilitation expenses, prosthetic devices, nursing services, chiropractic care and hospital visits. They can be utilized in addition to your health insurance policy or if there is no health insurance coverage. It covers all vehicle occupants and also covers any family member struck as a pedestrian. PIP coverage is not available in all states and may carry a deductible

Liability coverages

Liability insurance provides protection from damages or injuries you inflict on people or other property. This coverage protects you from claims by other people, and does not provide coverage for damage sustained by your vehicle in an accident.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show limits of 100/300/100 which means a $100,000 limit per person for injuries, a limit of $300,000 in injury protection per accident, and property damage coverage for $100,000.

Liability coverage protects against things such as attorney fees, bail bonds, pain and suffering and structural damage. How much liability should you purchase? That is up to you, but you should buy higher limits if possible.

Uninsured Motorist or Underinsured Motorist insurance

Uninsured or Underinsured Motorist coverage gives you protection when other motorists either have no liability insurance or not enough. Covered claims include hospital bills for your injuries and also any damage incurred to your Dodge Avenger.

Because many people only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is very important.

Comprehensive coverage (or Other than Collision)

This covers damage that is not covered by collision coverage. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for claims such as fire damage, a broken windshield, damage from getting keyed, vandalism and theft. The highest amount a auto insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.

Collision protection

Collision coverage will pay to fix damage to your Avenger from colliding 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 coverage protects against claims like damaging your car on a curb, scraping a guard rail and sideswiping another vehicle. Paying for collision coverage can be pricey, so you might think about dropping it from vehicles that are older. Drivers also have the option to raise the deductible to get cheaper collision coverage.

Quote more. Save more.

In this article, we presented many tips how you can save on 2012 Dodge Avenger insurance. It’s most important to understand that the more price quotes you have, the better chance you’ll have of finding lower rates. You may even discover the lowest priced car insurance comes from some of the lesser-known companies. Smaller companies often have lower prices on specific markets compared to the large companies like State Farm, GEICO and Nationwide.

Lower-priced insurance is attainable from both online companies and with local insurance agents, so you should be comparing quotes from both in order to have the best chance of saving money. Some car insurance companies do not offer the ability to get a quote online and usually these small, regional companies provide coverage only through local independent agents.

When buying insurance coverage, make sure you don’t skimp on critical coverages to save a buck or two. In too many instances, an insured dropped full coverage to discover at claim time they didn’t have enough coverage. Your focus should be to buy a smart amount of coverage at a price you can afford.

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