How Much Does 1999 Dodge Avenger Insurance Cost?

Searching for lower insurance coverage rates for your Dodge Avenger? Locating low-cost insurance for a new or used Dodge Avenger can be a painful process, but you can use a few tricks and make it easy. There is a better way to shop for insurance coverage so you’re going to learn the best way to compare rates for a new or used Dodge and locate the lowest possible price from local insurance agents and online providers.

Consumers should take time to do price comparisons occasionally because prices are variable and change quite frequently. Just because you had the best deal on Avenger coverage a couple years back you can probably find a better rate now. You can find a lot of wrong information about insurance coverage online, but in just a couple of minutes you can learn some of the best techniques to lower your insurance coverage rates.

Compare car insurance rates

Finding a lower price on 1999 Dodge Avenger insurance can be surprisingly simple. Just take time getting comparison quotes online from several insurance companies. This can be accomplished using one of these methods.

  1. Probably the best way consumers can analyze rates would be an industry-wide quote request form click here to open form in new window. This quick form keeps you from doing separate quotation requests for each price estimate. A single, simple form gets prices estimates from several companies. Recommended for those who want to invest the least amount of time.
  2. A different way to compare rate quotes requires visiting the website for each individual company to complete a price quote. For instance, let’s say you want to compare rates from USAA, State Farm and Allstate. You would have to spend time on each company’s site and punch in your information repeatedly, which can get old fast.

    For a list of companies in your area, click here.

  3. If you have time to kill, the last method to find and compare rates is to drive around to insurance agents’ offices. Quoting and buying insurance online has reduced the need for local agents unless you require the guidance of an agent trained in personal lines coverage. It is possible to compare the best prices online but have your policy serviced through an agent.

Whichever way you use, make sure you use apples-to-apples information for every quote you compare. If you use different values for each quote it will be impossible to make an equal comparison.

Pay discount rates these discounts

Car insurance is expensive, but there may be some discounts to reduce the price significantly. A few discounts will automatically apply at the time of purchase, but a few must be manually applied before they will apply.

  • Payment Method – If you pay your entire premium ahead of time as opposed to paying monthly you may reduce your total bill.
  • Discount for Home Ownership – Owning your own home or condo may earn you a small savings since home ownership means you have a higher level of financial diligence.
  • Discounts for Government Workers – Having worked for a branch of the government can earn a discount up to 10% on Avenger coverage with select insurance companies.
  • Telematics Discount – Policyholders that allow their insurance company to look at their driving habits by using a small device installed in their vehicle such as State Farm’s In-Drive may get a rate reduction if they exhibit good driving behavior.
  • Discounts for Cautious Drivers – Insureds who avoid accidents can pay as much as 50% less on Avenger coverage compared to accident prone drivers.

Discounts lower rates, but most discounts do not apply the the whole policy. A few only apply to the price of certain insurance coverages like comprehensive or collision. Even though the math looks like having all the discounts means you get insurance for free, companies wouldn’t make money that way.

Car insurance companies that have most of the discounts above include:

When getting free insurance quotes, it’s a good idea to every company to give you their best rates. Discounts may not be available in your area. If you would like to view companies offering car insurance discounts, click this link.

Special considerations

When it comes to choosing the best auto insurance coverage, there really is no single plan that fits everyone. Everyone’s situation is unique.

Here are some questions about coverages that could help you determine whether your personal situation would benefit from professional advice.

  • What discounts do I qualify for?
  • Should I buy more coverage than the required minimum liability coverage?
  • Am I covered when renting a car or should I buy coverage from the car rental agency?
  • How can I find cheaper teen driver insurance?
  • Why am I required to buy high-risk coverage?
  • Can I afford low physical damage deductibles?

If you can’t answer these questions but you think they might apply to your situation then you might want to talk to an insurance agent. If you want to speak to an agent in your area, fill out this quick form. It only takes a few minutes and may give you better protection.

Specifics of your insurance policy

Learning about specific coverages of your policy helps when choosing the right coverages at the best deductibles and correct limits. Insurance terms can be confusing and even agents have difficulty translating policy wording.

Collision insurance

This coverage pays to fix your vehicle from damage caused by 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 coverage protects against things like driving through your garage door, sustaining damage from a pot hole, rolling your car, backing into a parked car and hitting a mailbox. This coverage can be expensive, so consider removing coverage from vehicles that are older. Drivers also have the option to raise the deductible to bring the cost down.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Your UM/UIM coverage protects you and your vehicle’s occupants when other motorists either have no liability insurance or not enough. Covered losses include injuries to you and your family and also any damage incurred to your 1999 Dodge Avenger.

Since a lot of drivers only purchase the least amount of liability that is required, their limits can quickly be used up. So UM/UIM coverage is important protection for you and your family.

Auto liability

Liability coverage will cover injuries or damage you cause to other people or property in an accident. This insurance protects YOU against claims from other people, and does not provide coverage for damage sustained by your vehicle in an accident.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show limits of 50/100/50 which means a $50,000 limit per person for injuries, a total of $100,000 of bodily injury coverage per accident, and a limit of $50,000 paid for damaged property.

Liability insurance covers claims like repair bills for other people’s vehicles, medical services, pain and suffering and emergency aid. How much liability coverage do you need? That is a personal decision, but buy higher limits if possible.

Comprehensive auto coverage

Comprehensive insurance coverage will pay to fix damage OTHER than collision with another vehicle or object. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for things such as vandalism, theft, a broken windshield and fire damage. The maximum payout you can receive from a comprehensive claim is the actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Medical payments and PIP coverage

Medical payments and Personal Injury Protection insurance provide coverage for expenses like pain medications, prosthetic devices, funeral costs and ambulance fees. The coverages can be used to fill the gap from your health insurance plan or if you are not covered by health insurance. Coverage applies to not only the driver but also the vehicle occupants and also covers getting struck while a pedestrian. PIP is not available in all states but it provides additional coverages not offered by medical payments coverage