2008 Dodge Avenger Car Insurance Quotes

Paying for pricey Dodge Avenger insurance can stress out your family’s budget and possibly require you to analyze your spending habits. Price shopping at each renewal can help to ensure you are getting the best deal.

Lots of insurance companies contend to insure your vehicles, so it’s not easy to compare every company to find the absolute lowest cost out there.

Shop insurance online

Lowering your 2008 Dodge Avenger insurance rates is a fairly straight forward process. Consumers just need to take time comparing rates from some recommended companies. Price comparisons can be done by using one of the methods below.

Experts agree that the best way to get quotes is an all-inclusive rate comparison click here to open form in new window. This style of form saves time by eliminating separate quotes to each individual insurance company. A single form will get you rate comparisons from insurance companies with the best prices.

A more difficult way to analyze rates is to take the time to go to the website for each individual company to complete a price quote. For instance, we’ll pretend you need rates from State Farm, 21st Century and Progressive. In order to get each rate, you would have to spend time going to each site individually and repeatedly enter your information, which can take a lot of time. For a list of links to companies insuring cars in your area, click here.

Whichever method you choose, try to use exactly the same quote data for each comparison quote. If you enter different data you can’t possibly determine which company has the best rates.

How do I know if I need professional advice?

When it comes to choosing adequate coverage, there really is not a cookie cutter policy. Everyone’s situation is a little different and your policy should reflect that. For instance, these questions may help you determine if you would benefit from an agent’s advice.

  • Where can I get insurance after a DUI in my state?
  • Is business equipment covered while in my vehicle?
  • Is my nanny covered when driving my vehicle?
  • Can I get a multi-policy discount?
  • I don’t drive much so do I pay less?
  • Do I need rental car coverage?

If you’re not sure about those questions then you might want to talk to a licensed agent. To find an agent in your area, complete this form or you can also visit this page to select a carrier It’s fast, free and can provide invaluable advice.

Car insurance coverage information

Understanding the coverages of a insurance policy helps when choosing the best coverages and the correct deductibles and limits. Policy terminology can be confusing and nobody wants to actually read their policy. These are typical coverages offered by insurance companies.

Comprehensive auto coverage – Comprehensive insurance will pay to fix damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive coverage pays for claims like a broken windshield, rock chips in glass and damage from getting keyed. The maximum amount you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Medical payments and PIP coverage – Medical payments and Personal Injury Protection insurance provide coverage for expenses such as chiropractic care, doctor visits and EMT expenses. They can be used in conjunction with a health insurance policy or if you do not have health coverage. It covers both the driver and occupants in addition to any family member struck as a pedestrian. PIP is not available in all states but it provides additional coverages not offered by medical payments coverage

UM/UIM (Uninsured/Underinsured Motorist) coverage – Your UM/UIM coverage protects you and your vehicle’s occupants when the “other guys” either are underinsured or have no liability coverage at all. This coverage pays for hospital bills for your injuries and damage to your Dodge Avenger.

Due to the fact that many drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages should not be overlooked. Usually your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.

Liability coverages – This will cover injuries or damage you cause to people or other property that is your fault. This insurance protects YOU against claims from other people. It does not cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show liability limits of 25/50/25 which stand for $25,000 bodily injury coverage, a per accident bodily injury limit of $50,000, and a limit of $25,000 paid for damaged property. Alternatively, you may have one limit called combined single limit (CSL) which provides one coverage limit without having the split limit caps.

Liability insurance covers claims like pain and suffering, bail bonds, medical expenses and structural damage. How much coverage you buy is a personal decision, but consider buying as high a limit as you can afford.

Collision coverage – This coverage pays to fix your vehicle from damage resulting from colliding with an object or car. You first must pay a deductible then your collision coverage will kick in.

Collision insurance covers things like sideswiping another vehicle, rolling your car and hitting a parking meter. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are 8 years or older. Another option is to raise the deductible to save money on collision insurance.