Cheaper 1997 Dodge Avenger Insurance Quotes

Looking for better auto insurance rates for your Dodge Avenger? Being forced to pay for pricey auto insurance premiums can dwindle your family’s budget and force you to make tough financial choices. Doing a rate comparison can save money and help to cut your insurance bill.

Big companies like Allstate, Progressive and Geico continually bombard you with TV and radio ads and consumers find it hard to see through the deception and effectively compare rates to find the best deal.

It’s smart to compare rates before your next renewal since prices fluctuate regularly. Just because you found the lowest price on Avenger insurance a few years ago the chances are good that you can find a lower rate quote today. You can find a lot of misleading information regarding auto insurance online but we’re going to give you a bunch of ideas how to lower your auto insurance premiums.

Cheap insurance

There are multiple methods to compare insurance quotes, and some are more efficient than others. You could waste a few hours driving to insurance agencies in your area, or you can utilize the web to get rate comparisons in just a few minutes.

Most of the larger companies are enrolled in a marketplace that allows shoppers to enter their policy data once, and every company can provide price quotes based on that information. This eliminates the need for quote forms to each company. To compare rates using this form now click to open in new window.

One minor caviat to doing it this way is you are unable to specify which companies you will receive quotes from. So if you want to select specific insurance companies to compare rates, we have a page of companies who write insurance in your area. Click here for list of insurance companies.

However you get your quotes, be sure to compare apples-to-apples quote information on every quote you get. If you are comparing different values for each quote it will be next to impossible to truly determine the lowest rate. Just a small difference in coverages may result in a large different in cost. Just keep in mind that comparing all the rates in your area gives you a better chance of getting the best rates.

Use discounts on insurance coverage

Insurance coverage is neither fun to buy or cheap, but discounts can save money and there are some available that can drop the cost substantially. Many of these discounts will be applied automatically at the time you complete a quote, but some need to be specially asked for in order for you to get them.

  • Organization Discounts – Having an affiliation with specific professional or occupational memberships or organizations is a good way to get lower rates on your policy.
  • Driver’s Education for Students – It’s a good idea to have your young drivers participate in a local driver’s education class in school.
  • Renewal Discounts – A few companies give discounts for buying a policy before your current expiration date. The savings is around 10%.
  • Discount for Home Ownership – Owning your own home or condo can get you a discount because it means you have a higher level of financial diligence.
  • Pay Upfront and Save – If you pay your bill all at once rather than paying in monthly installments you can avoid the installment charge.
  • Low Mileage Discounts – Fewer annual miles on your Dodge could qualify for better insurance coveragerates on cars that stay parked.

While discounts sound great, it’s important to understand that some of the credits will not apply to all coverage premiums. A few only apply to specific coverage prices like comp or med pay. So even though it sounds like you would end up receiving a 100% discount, it doesn’t quite work that way.

A few companies that may offer quotes with many of the previously listed discounts possibly include:

Double check with every company the best way to save money. A few discounts might not be offered on policies in every state. To find insurance coverage companies who offer insurance coverage discounts, follow this link.

Tailor your auto insurance coverage to you

When choosing the best auto insurance coverage, there isn’t really a “perfect” insurance plan. Your needs are not the same as everyone else’s so your insurance should reflect that Here are some questions about coverages that could help you determine whether you would benefit from an agent’s advice.

  • Am I covered by my spouse’s policy after a separation?
  • What is medical payments coverage?
  • Should I bundle my homeowners policy with my auto?
  • Do I have coverage when using my vehicle for my home business?
  • What is high-risk coverage and where do I buy it?
  • Do I benefit by insuring my home with the same company?

If you don’t know the answers to these questions, you might consider talking to an agent. If you want to speak to an agent in your area, complete this form or click here for a list of auto insurance companies in your area.

Car insurance policy coverages for a Dodge Avenger

Learning about specific coverages of your policy can be of help when determining the best coverages and the correct deductibles and limits. Policy terminology can be difficult to understand and coverage can change by endorsement. Below you’ll find typical coverage types offered by car insurance companies.

Protection from uninsured/underinsured drivers – Uninsured or Underinsured Motorist coverage protects you and your vehicle when other motorists are uninsured or don’t have enough coverage. Covered claims include injuries sustained by your vehicle’s occupants as well as damage to your Dodge Avenger.

Since many drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important.

Liability insurance – This coverage protects you from damages or injuries you inflict on other people or property. This coverage protects you from legal claims by others, and does not provide coverage for damage to your own property or vehicle.

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. Your policy might show policy limits of 50/100/50 that translate to a $50,000 limit per person for injuries, a total of $100,000 of bodily injury coverage per accident, and a total limit of $50,000 for damage to vehicles and property.

Liability insurance covers claims like attorney fees, medical expenses, medical services, court costs and repair costs for stationary objects. The amount of liability coverage you purchase is up to you, but consider buying as high a limit as you can afford.

Medical expense insurance – Med pay and PIP coverage pay for bills for things like rehabilitation expenses, hospital visits, nursing services, surgery and EMT expenses. The coverages can be utilized in addition to your health insurance policy or if there is no health insurance coverage. It covers both the driver and occupants as well as being hit by a car walking across the street. PIP coverage is not an option in every state and may carry a deductible

Comprehensive (Other than Collision) – This coverage pays for damage that is not covered by collision coverage. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for claims such as hitting a deer, vandalism, damage from getting keyed, fire damage and damage from a tornado or hurricane. The maximum amount your car insurance company will pay is the actual cash value, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Collision coverages – Collision insurance covers damage to your Avenger from colliding with an object or car. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers claims such as rolling your car, hitting a mailbox, backing into a parked car, scraping a guard rail and crashing into a building. This coverage can be expensive, so consider removing coverage from lower value vehicles. Drivers also have the option to bump up the deductible in order to get cheaper collision rates.

Saving money makes a lot of cents

Some insurance providers do not offer the ability to get quotes online and these regional carriers sell through local independent agents. Low-cost 1997 Dodge Avenger insurance can be found on the web in addition to many insurance agents, so compare prices from both in order to have the best price selection to choose from.

As you restructure your insurance plan, make sure you don’t reduce coverage to reduce premium. There are too many instances where an accident victim reduced uninsured motorist or liability limits and learned later that the few dollars in savings costed them thousands. The ultimate goal is to buy enough coverage at the best price, but do not skimp to save money.

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