1996 Dodge Avenger Insurance Cost – 5 Discounts for Cheaper Prices

Finding cheaper insurance for your Dodge Avenger could be a lot of work, but you can use these tips to save time. There is a better way to shop for car insurance and we’ll show you the quickest way to quote coverages for a Dodge and find the cheapest rates from local insurance agents and online providers.

If you have insurance now or are just looking to switch companies, you can learn to find better prices and possibly find even better coverage. Pricing more affordable protection is simple if you know the tricks. Vehicle owners only need an understanding of the proper way to get comparison quotes online.

Get lower rates with these five discounts

Auto insurance is not an enjoyable expense, but you may qualify for discounts that could drop your premiums quite a bit. Larger premium reductions will be automatically applied when you complete an application, but some must be inquired about before you will receive the discount.

  • Discount for Good Grades – Getting good grades can get you a discount of up to 25%. The good student discount can last well after school through age 25.
  • Discounts for Good Drivers – Insureds without accidents can save up to 40% or more on their auto insurance quote on Avenger insurance as compared to drivers with claims.
  • Renewal Discounts – A few larger companies give discounts for switching policies before your current expiration date. It could save around 10% when you buy auto insurance online.
  • Senior Citizen Discount – Drivers over the age of 55 can possibly qualify for reduced rates on Avenger insurance.
  • Active Military Service – Being on active duty in the military can result in better premium rates.

Policy discounts save money, but some of the credits will not apply to the entire policy premium. Most only apply to specific coverage prices like comp or med pay. Despite the fact that it seems like having all the discounts means you get insurance for free, nobody gets a free ride.

A list of companies and a partial list of their discounts can be found below.

  • Geico policyholders can earn discounts including five-year accident-free, emergency military deployment, daytime running lights, military active duty, air bags, anti-theft, and multi-vehicle.
  • MetLife offers discounts for good student, accident-free, multi-policy, good driver, claim-free, defensive driver
  • State Farm has savings for defensive driving training, multiple policy, Drive Safe & Save, multiple autos, driver’s education, good student, and accident-free.
  • Progressive includes discounts for multi-vehicle, online signing, good student, multi-policy, continuous coverage, and homeowner.
  • Mercury Insurance discounts include annual mileage, good student, accident-free, ease of repair, multi-car, anti-theft, and low natural disaster claims.
  • 21st Century offers premium reductions for homeowners, anti-lock brakes, early bird, student driver, 55 and older, and air bags.
  • Allstate offers discounts including good payer, teenSMART discount, economy car, farm vehicle, premier plus, and 55 and retired.

When getting a coverage quote, ask every insurance company the best way to save money. Discounts might not be offered in your state. To choose providers who offer cheap auto insurance quotes, click this link.

How much is car insurance?

Comparing car insurance rates can be a lot of work if you don’t know the fastest way to get free quotes. You could waste time driving to local insurance agents in your area, or you can utilize online quotes to get prices fast.

Many popular insurance companies belong to an insurance system where insurance shoppers submit their information once, and every company then gives them pricing determined by their information. This saves time by eliminating form submissions for each company.

To use this form to compare rates click here to start a free quote.

The one disadvantage to using this type of form is you cannot specify which carriers you want to price. So if you prefer to pick specific insurance companies to request quotes from, we have a listing of the cheapest car insurance companies in your area. View list of insurance companies.

Compare rates however you want, just be sure to compare exactly the same coverages and limits with every price quote. If you are comparing different coverage information it’s impossible to make a fair comparison for your Dodge Avenger.

What is the best insurance coverage coverage?

When buying coverage, there really is not a cookie cutter policy. Every insured’s situation is different.

Here are some questions about coverages that might point out whether you might need professional guidance.

  • Does having multiple vehicles earn me a discount?
  • Is my ex-spouse still covered by my policy?
  • Should I get collision insurance on every vehicle?
  • What should my uninsured motorist coverage limits be in my state?
  • Should I buy more coverage than the required minimum liability coverage?
  • What is the minimum liability in my state?
  • Are all vehicle passengers covered by medical payments coverage?
  • When can my company non-renew my policy?
  • Is other people’s property covered if stolen from my vehicle?

If you’re not sure about those questions but you think they might apply to your situation, you might consider talking to a licensed insurance agent. If you don’t have a local agent, complete this form. It only takes a few minutes and may give you better protection.

Insurance coverage options for a 1996 Dodge Avenger

Knowing the specifics of a insurance policy can be of help when determining which coverages you need and proper limits and deductibles. Insurance terms can be difficult to understand and even agents have difficulty translating policy wording.

Collision coverages – Collision coverage will pay to fix damage to your Avenger caused by collision with another car or object. A deductible applies and then insurance will cover the remainder.

Collision coverage pays for claims such as colliding with a tree, sideswiping another vehicle and backing into a parked car. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are older. Drivers also have the option to bump up the deductible to bring the cost down.

Comprehensive insurance – This coverage covers damage from a wide range of events other than collision. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive insurance covers claims such as hitting a bird, theft, fire damage, a tree branch falling on your vehicle and damage from flooding. The most you’ll receive from a claim is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Uninsured/Underinsured Motorist (UM/UIM) – This protects you and your vehicle from other motorists when they either are underinsured or have no liability coverage at all. Covered claims include injuries to you and your family as well as your vehicle’s damage.

Since a lot of drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is important protection for you and your family.

Liability insurance – This coverage can cover injuries or damage you cause to other’s property or people in an accident. Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. You might see liability limits of 100/300/100 which stand for a limit of $100,000 per injured person, a total of $300,000 of bodily injury coverage per accident, and a limit of $100,000 paid for damaged property.

Liability coverage protects against things such as repair costs for stationary objects, funeral expenses and medical expenses. How much liability should you purchase? That is up to you, but buy higher limits if possible.

Med pay and Personal Injury Protection (PIP) – Medical payments and Personal Injury Protection insurance provide coverage for short-term medical expenses for things like dental work, chiropractic care, doctor visits and hospital visits. They are often used to cover expenses not covered by your health insurance program or if you do not have health coverage. It covers you and your occupants and will also cover if you are hit as a while walking down the street. PIP is only offered in select states but it provides additional coverages not offered by medical payments coverage

Affordable insurance is out there

We just showed you some good ideas how you can compare 1996 Dodge Avenger insurance car insurance rates online. The key thing to remember is the more you quote auto insurance, the higher your chance of finding affordable auto insurance. You may even discover the lowest car insurance rates are with some of the lesser-known companies.

Drivers switch companies for many reasons like denial of a claim, policy cancellation, policy non-renewal and high rates after DUI convictions. No matter why you want to switch, switching companies is pretty simple and you could end up saving a buck or two.

As you shop your coverage around, you should never skimp on critical coverages to save a buck or two. There have been many situations where an accident victim reduced liability limits or collision coverage only to regret at claim time that they should have had better coverage. Your aim should be to buy enough coverage for the lowest cost, but do not sacrifice coverage to save money.

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