1995 Dodge Avenger Car Insurance Cost – 7 Savings Tips

No car owner is fond of buying insurance coverage, especially knowing their premiums are too high. There are many auto insurance companies to purchase coverage from, and although it’s a good thing to have a selection, it can be more difficult to find a good deal.

Buying car insurance is quite easy. If you currently have a car insurance policy, you should be able to save some money using these tips. Consumers just need to know the proper way to compare rates on the web.

How to shop auto insurance online

Getting a low cost price on 1995 Dodge Avenger insurance can be quick and easy. You just need to spend a few minutes on the computer comparing rates online from several insurance companies. It is quite easy and can be accomplished in a couple of different ways.

  1. If you don’t have a lot of time, the easiest way to get quotes for comparison is a comparison rater form click here to open form in new window. This form eliminates the need for separate quotation requests for every company. Filling out one form will get you price quotes from many national carriers.
  2. A harder way to find more affordable insurance requires a trip to each individual company website and fill out their own quote form. For instance, let’s say you want to see prices from Progressive, Liberty Mutual and Farmers. You would be required to visit each site and punch in your information repeatedly, which explains why we recommend starting with the first method.

    For a list of links to companies insuring cars in your area, click here.

  3. The least recommended method to get rate quotes is physically going to and from local insurance agencies. The internet eliminates this option unless you want the personal advice that can only be provided by a licensed insurance agent. Although you can price shop your coverage online but purchase the actual policy in an agency.

Take whichever approach you prefer, but make sure you use exactly the same coverage limits and deductibles on every quote you get. If you use different liability limits it’s not possible to make a fair comparison for your Dodge Avenger.

Seven discounts to earn lower-cost insurance coverage rates

Some insurers don’t list all disounts very well, so here is a list a few of the more well known in addition to some of the lesser obvious credits that you can use to lower your rates.

  • Lower Rates for Military – Having a family member in the military could qualify you for better premium rates.
  • Defensive Driver Discounts – Participating in a safe driver course could earn you a small percentage discount if your company offers it.
  • Good Students Pay Less – A discount for being a good student can earn a discount of 20% or more. Earning this discount can benefit you until age 25.
  • Distant College Student Discount – Kids who are enrolled in higher education away from home and do not have access to a covered vehicle can be insured at a reduced rate.
  • Life Insurance – Not every insurance company offers life insurance, but if they do you may earn a discount if you purchase some life insurance too.
  • Senior Citizen Discount – Drivers over the age of 55 can get a slight reduction on a insurance quote on Avenger insurance.
  • Telematics Data – Drivers who agree to allow driving data collection to study driving patterns through the use of a telematics system such as Drivewise from Allstate or Snapshot from Progressive may get a rate reduction if they exhibit good driving behavior.

Remember that most discounts do not apply to the entire policy premium. Most cut the price of certain insurance coverages like physical damage coverage or medical payments. Just because you may think you can get free auto insurance, insurance companies wouldn’t stay in business.

A list of insurance coverage companies and some of the discounts are:

  • State Farm includes discounts for student away at school, safe vehicle, multiple autos, Drive Safe & Save, defensive driving training, good driver, and multiple policy.
  • Progressive offers premium reductions for online quote discount, online signing, homeowner, multi-policy, continuous coverage, and multi-vehicle.
  • Progressive policyholders can earn discounts including online quote discount, good student, homeowner, multi-vehicle, online signing, and continuous coverage.
  • MetLife may have discounts that include multi-policy, good driver, defensive driver, claim-free, and good student.
  • Farm Bureau offers discounts including multi-policy, youthful driver, safe driver, multi-vehicle, renewal discount, 55 and retired, and driver training.
  • Geico has discounts for defensive driver, membership and employees, emergency military deployment, multi-policy, good student, anti-lock brakes, and daytime running lights.
  • SAFECO has savings for teen safe driver, bundle discounts, anti-theft, teen safety rewards, drive less, and accident prevention training.

If you need lower rates, check with each company how many discounts you can get. All car insurance discounts may not apply to policies in every state.

Tailor your car insurance coverage to you

When it comes to buying adequate coverage, there is no one size fits all plan. Your needs are not the same as everyone else’s so your insurance needs to address that. For instance, these questions may help you determine if you may require specific advice.

  • Can I get a multi-policy discount?
  • Do I need motorclub coverage?
  • Do I need replacement cost coverage on my 1995 Dodge Avenger?
  • Are split liability limits better than a combined single limit?
  • What exactly is covered by my policy?
  • Should I waive the damage coverage when renting a car?
  • Where can I find high-risk insurance?
  • Am I covered when driving on a suspended license?
  • What is the rate difference between pleasure use and commuting?
  • Can I pay claims out-of-pocket if I buy high deductibles?

If it’s difficult to answer those questions but you know they apply to you, you may need to chat with an insurance agent. To find an agent in your area, simply complete this short form or go to this page to view a list of companies. It is quick, free and can provide invaluable advice.

Auto insurance coverage information

Understanding the coverages of a insurance policy aids in choosing the best coverages and proper limits and deductibles. Insurance terms can be confusing and reading a policy is terribly boring. Below you’ll find typical coverages available from insurance companies.

Med pay and Personal Injury Protection (PIP)

Med pay and PIP coverage pay for immediate expenses such as nursing services, doctor visits and hospital visits. They are utilized in addition to your health insurance program or if you are not covered by health insurance. Medical payments and PIP cover you and your occupants and will also cover getting struck while a pedestrian. Personal injury protection coverage is only offered in select states and may carry a deductible

Collision protection

This coverage covers damage to your Avenger from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible then your collision coverage will kick in.

Collision insurance covers things like sideswiping another vehicle, damaging your car on a curb, colliding with another moving vehicle, crashing into a building and crashing into a ditch. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are 8 years or older. It’s also possible to choose a higher deductible to get cheaper collision coverage.

Uninsured/Underinsured Motorist (UM/UIM)

This protects you and your vehicle from other drivers when they either have no liability insurance or not enough. Covered losses include injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Due to the fact that many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is very important.

Comprehensive insurance

Comprehensive insurance coverage covers damage that is not covered by collision coverage. A deductible will apply then your comprehensive coverage will pay.

Comprehensive can pay for claims such as damage from flooding, hitting a deer, a tree branch falling on your vehicle, a broken windshield and vandalism. The maximum payout you can receive from a comprehensive claim is the ACV or actual cash value, so if it’s not worth much more than your deductible consider dropping full coverage.

Liability coverages

This coverage will cover injuries or damage you cause to other people or property in an accident. It protects YOU against claims from other people, and doesn’t cover your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see policy limits of 25/50/25 which stand for a limit of $25,000 per injured person, a total of $50,000 of bodily injury coverage per accident, and a total limit of $25,000 for damage to vehicles and property.

Liability can pay for things like emergency aid, funeral expenses and loss of income. The amount of liability coverage you purchase is a personal decision, but it’s cheap coverage so purchase as large an amount as possible.