1998 Dodge Avenger Car Insurance Quotes – 7 Tips to Save

Trying to find lower auto insurance rates for your Dodge Avenger? If you’re trying to find more affordable insurance online, do you get overwhelmed by the dozens of auto insurance sources in your area? Many other drivers are as well. vehicle owners have such a vast assortment of sources available that it can be a difficult mission to locate the lowest auto insurance rates.

It’s smart to compare rates before your policy renews because auto insurance prices tend to go up over time. Even if you got the best rates for Avenger insurance on your last policy you can probably find a better premium rate now. Don’t believe everything you read about auto insurance on the web, but in a few minutes you can learn some excellent ideas to lower your auto insurance rates.

How to get auto insurance rate quotes

There are several ways to compare prices from auto insurance companies in your area. The easiest way to lower the rate you pay for Dodge Avenger insurance consists of obtaining rate quotes online. It is quite easy and can be accomplished in a couple minutes as outlined below.

  • The single most time-saving way to get the best comparison quotes is an all-inclusive rate comparison (click to open form in new window). This method saves time by eliminating separate quotes for each price estimate. One form gets coverage cost estimates from all major companies. This is perfect if you don’t have a lot of time.
  • A more difficult way to compare rate quotes requires visiting the website for every company you want to comare to complete their respective quote request forms. For sake of this example, we’ll assume you want to compare prices for Allstate, State Farm and Farmers. You would have to spend time going to each site individually to input your insurance information, which explains why we recommend starting with the first method.

    To view a list of companies in your area, click here.

However you get your quotes, make darn sure you compare identical coverage data for each quote you get. If each company quotes different values for each quote it will be very difficult to determine which company has the best rates. Slightly different limits may result in large price differences. And when comparing auto insurance rates, know that having more price comparisons will increase your chances of finding more affordable insurance.

Cheaper insurance coverage rates with discounts

Companies don’t always advertise every possible discount in a way that’s easy to find, so below is a list a few of the more well known and also the more inconspicuous credits that you can use to lower your rates.

  • Defensive Driver – Participating in a course in safe driver could earn you a small percentage discount and easily pay for the cost of the class.
  • Early Switch Discount – Some companies give discounts for switching policies early. You may see this discount when you get insurance quotes online.
  • Seat Belts Save more than Lives – Drivers who require all vehicle occupants to use their safety belts can save up to 15% off the PIP or medical payment premium.
  • Distant Student – Youth drivers who live away from home to go to college without a vehicle on campus could get you a discount.
  • Drive Less and Save – Maintaining low annual mileage may allow you to get lower insurance coveragerates on the low mileage vehicles.
  • Service Members Pay Less – Being deployed with a military unit can result in better insurance coverage rates.
  • Discount for Life Insurance – If the company offers life insurance, you could get a discount if you purchase auto and life insurance together.

Discounts save money, but please remember that some credits don’t apply to the entire cost. Most only reduce the cost of specific coverages such as liability, collision or medical payments. Despite the fact that it seems like adding up those discounts means a free policy, you won’t be that lucky.

Popular insurance coverage companies and their possible discounts include:

  • Geico policyholders can earn discounts including daytime running lights, driver training, seat belt use, anti-theft, multi-policy, and air bags.
  • SAFECO offers discounts for teen safe driver, anti-theft, homeowner, bundle discounts, and safe driver.
  • State Farm offers premium reductions for driver’s education, anti-theft, accident-free, Drive Safe & Save, good driver, and student away at school.
  • MetLife discounts include accident-free, defensive driver, multi-policy, good driver, good student, and claim-free.
  • 21st Century may have discounts that include good student, anti-lock brakes, 55 and older, homeowners, student driver, automatic seat belts, and defensive driver.
  • Progressive has discounts for multi-vehicle, multi-policy, online signing, continuous coverage, good student, and homeowner.

If you need cheap insurance quotes, ask each company to give you their best rates. Depending on the company, some discounts may not be offered everywhere. For a list of companies that can offer you the previously mentioned discounts, follow this link.

Tailor your auto insurance coverage to you

When it comes to choosing coverage for your personal vehicles, there really is not a one size fits all plan. Coverage needs to be tailored to your specific needs.

For example, these questions may help highlight if you would benefit from an agent’s advice.

  • What if I don’t agree with a claim settlement offer?
  • Do I need more liability coverage?
  • When would I need rental car insurance?
  • What exactly is covered by my policy?
  • Am I covered if I drive in a foreign country?
  • Is my state a no-fault state?

If you’re not sure about those questions, you might consider talking to an insurance agent. If you want to speak to an agent in your area, take a second and complete this form.

Specifics of your auto insurance policy

Understanding the coverages of auto insurance aids in choosing appropriate coverage and proper limits and deductibles. Auto insurance terms can be confusing and coverage can change by endorsement.

Medical payments and PIP coverage

Medical payments and Personal Injury Protection insurance kick in for bills for things like EMT expenses, dental work and ambulance fees. The coverages can be used to fill the gap from your health insurance policy or if there is no health insurance coverage. They cover all vehicle occupants and also covers being hit by a car walking across the street. Personal Injury Protection is not universally available and gives slightly broader coverage than med pay

Coverage for collisions

Collision insurance pays to fix your vehicle from damage resulting from a 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 claims like crashing into a ditch, hitting a mailbox, crashing into a building and backing into a parked car. Collision coverage makes up a good portion of your premium, so you might think about dropping it from lower value vehicles. Drivers also have the option to bump up the deductible to save money on collision insurance.

Liability coverages

This coverage will cover damage that occurs to other’s property or people that is your fault. Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have values of 25/50/25 that means you have a limit of $25,000 per injured person, a limit of $50,000 in injury protection per accident, and property damage coverage for $25,000.

Liability coverage protects against claims such as court costs, attorney fees, repair bills for other people’s vehicles, emergency aid and structural damage. The amount of liability coverage you purchase is your choice, but you should buy higher limits if possible.

Comprehensive auto coverage

This will pay to fix damage that is not covered by collision coverage. A deductible will apply then your comprehensive coverage will pay.

Comprehensive coverage protects against claims such as a tree branch falling on your vehicle, damage from flooding, vandalism, hail damage and damage from getting keyed. The maximum payout you’ll receive from a claim is the cash value of the vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Your UM/UIM coverage gives you protection from other drivers when they are uninsured or don’t have enough coverage. Covered losses include injuries to you and your family as well as damage to your 1998 Dodge Avenger.

Since many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is very important.

In the end, you save

You just learned a lot of tips how to lower your 1998 Dodge Avenger insurance car insurance rates. The key thing to remember is the more times you quote, the better chance you’ll have of finding the cheapest insurance. Consumers could even find that the most savings is with the smaller companies.

Cheaper auto insurance is available online in addition to local insurance agencies, so you need to quote insurance with both in order to have the best chance of saving money. Some companies may not provide price quotes online and most of the time these smaller companies only sell through independent agencies.

Insureds change insurance companies for a number of reasons such as poor customer service, high rates after DUI convictions, an unsatisfactory settlement offer or delays in paying claims. It doesn’t matter why you want to switch finding a great new company is actually quite simple.

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