2009 Dodge Avenger Car Insurance Quotes – 7 Savings Tips

Want better car insurance rates for your Dodge Avenger? Trying to find better insurance prices for a new or used Dodge Avenger can normally be an all-consuming task, but you can follow our car insurance buying tips and make it easy.

There is a right way and a wrong way to compare car insurance rates and you need to know the proper way to get price quotes for your Dodge and locate the lowest possible price.

Consumers should take time to do rate comparisons quite often since prices change frequently. Just because you found the best quotes on Avenger coverage on your last policy a different company probably has better rates today. Ignore everything you know about car insurance because we’re going to demonstrate one of the easiest ways to find the best coverage while lowering your premiums.

Pricing the best auto insurance is simple if you know the tricks. If you are insured now or are shopping for new coverage, you can learn to find better prices while maximizing coverage. Consumers only need an understanding of the most effective way to compare price quotes on the web.

Verify you’re earning every discount

Properly insuring your vehicles can get expensive, but there are discounts available that can drop the cost substantially. Many discounts should be triggered at the time you complete a quote, but some may not be applied and must be inquired about prior to receiving the credit.

  • E-sign – Certain insurance companies provide a small discount for completing your application on your computer.
  • Discount for Low Mileage – Keeping the miles down on your Dodge can earn lower car insurancerates due to less chance of an accident.
  • College Student – Older children who live away from home at college without a vehicle on campus could qualify for this discount.
  • Auto/Home Discount – If you have multiple policies and place coverage with the same company you could get a discount of over 10 percent off each policy depending on the company.
  • Military Rewards – Being on active deployment in the military could be rewarded with lower car insurance rates.
  • Homeowners Pay Less – Owning your own home or condo can save a few bucks since home ownership shows financial diligence.
  • Clubs and Organizations – Belonging to qualifying clubs or civic groups could earn you a nice discount when shopping for car insurance.

A quick disclaimer, some credits don’t apply to the entire policy premium. Most only apply to individual premiums such as medical payments or collision. Despite the appearance that it’s possible to get free car insurance, it doesn’t quite work that way.

A list of car insurance companies and a summarized list of policyholder discounts can be found below.

  • Geico has discounts for five-year accident-free, seat belt use, driver training, membership and employees, air bags, defensive driver, and daytime running lights.
  • Travelers includes discounts for continuous insurance, good student, IntelliDrive, hybrid/electric vehicle, new car, and early quote.
  • Farm Bureau offers premium reductions for youthful driver, driver training, multi-vehicle, 55 and retired, good student, renewal discount, and safe driver.
  • Liberty Mutual policyholders can earn discounts including multi-policy, newly retired, newly married, new graduate, and multi-car.
  • American Family may have discounts that include defensive driver, mySafetyValet, multi-vehicle, good student, and good driver.
  • Progressive may include discounts for continuous coverage, homeowner, good student, multi-vehicle, multi-policy, online quote discount, and online signing.

Double check with each company which discounts they offer. Some discounts may not apply to policies in your area. To find car insurance companies with significant discounts, click this link.

Buy auto insurance online

Most larger insurance companies such as Geico, State Farm and Progressive give coverage prices direct online. Doing online price comparisons is easy for anyone as you simply type in the coverage amounts you desire as detailed in the form. Behind the scenes, the company’s rating system orders credit information and your driving record and returns pricing information based on these and other factors.

This makes comparing rates easy, but the time required to go to multiple sites and type in the same data is not the best way to spend an afternoon. But it’s also necessary to do this if you are searching for lower prices.

There is a better way!

The easiest way to find better auto insurance pricing utilizes a single form that gets prices from more than one company. This type of form saves time, eliminates repetitive work, and makes online quotes much easier to do. Immediately after you send the form, it is rated and you are able to buy your choice of the resulting price quotes.

If one or more price quotes are lower than your current rates, you can click and sign and purchase coverage. It can be completed in less than 10 minutes and could lower your rates considerably.

If you want to get comparison pricing now, click here and enter your vehicle and coverage information. If you have coverage now, it’s recommended you replicate exactly as they are listed on your policy. Doing this guarantees you will have a price comparison for similar coverage.

When should I discuss my situation with an agent?

When it comes to choosing adequate coverage, there isn’t really a single plan that fits everyone. Everyone’s situation is unique.

For instance, these questions might help in determining if you would benefit from an agent’s advice.

  • Do I need motorclub coverage?
  • Should I rate my 2009 Dodge Avenger as pleasure use or commute?
  • Do I pay less if my vehicle is kept in my garage?
  • Am I covered if I crash into my own garage door?
  • Am I covered when driving in Canada or Mexico?
  • Should I put collision coverage on all my vehicles?

If you don’t know the answers to these questions but a few of them apply, you might consider talking to an insurance agent. If you don’t have a local agent, simply complete this short form. It’s fast, doesn’t cost anything and may give you better protection.

Coverages available on your car insurance policy

Learning about specific coverages of car insurance aids in choosing the right coverages and the correct deductibles and limits. Policy terminology can be ambiguous and reading a policy is terribly boring.

Liability

This can cover damages or injuries you inflict on other people or property in an accident. It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see limits of 25/50/25 that means you have a limit of $25,000 per injured person, $50,000 for the entire accident, and a total limit of $25,000 for damage to vehicles and property. Alternatively, you may have a combined single limit or CSL which combines the three limits into one amount rather than limiting it on a per person basis.

Liability insurance covers things like medical services, repair bills for other people’s vehicles, structural damage, funeral expenses and emergency aid. How much liability should you purchase? That is a decision to put some thought into, but you should buy as large an amount as possible.

Medical expense insurance

Personal Injury Protection (PIP) and medical payments coverage reimburse you for immediate expenses for pain medications, EMT expenses, doctor visits and dental work. They are used in conjunction with a health insurance policy or if you lack health insurance entirely. They cover not only the driver but also the vehicle occupants and also covers being hit by a car walking across the street. Personal Injury Protection is only offered in select states but it provides additional coverages not offered by medical payments coverage

Collision protection

Collision insurance will pay to fix damage to your Avenger resulting from a collision with an object or car. You first must pay a deductible then your collision coverage will kick in.

Collision coverage pays for things like sustaining damage from a pot hole, crashing into a ditch, colliding with another moving vehicle and backing into a parked car. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are older. Another option is to raise the deductible in order to get cheaper collision rates.

Comprehensive (Other than Collision)

This coverage will pay to fix damage that is not covered by collision coverage. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against claims such as damage from a tornado or hurricane, hail damage, hitting a bird, falling objects and fire damage. The highest amount a car insurance company will pay at claim time is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Protection from uninsured/underinsured drivers

Uninsured or Underinsured Motorist coverage protects you and your vehicle when the “other guys” either are underinsured or have no liability coverage at all. This coverage pays for injuries sustained by your vehicle’s occupants and also any damage incurred to your Dodge Avenger.

Since a lot of drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is very important. Frequently these limits do not exceed the liability coverage limits.

Coverage on a shoestring budget

Consumers change insurance companies for many reasons like high prices, high rates after DUI convictions, an unsatisfactory settlement offer and denial of a claim. No matter why you want to switch, finding a new insurance company can be easier than you think.

While you’re price shopping online, make sure you don’t skimp on critical coverages to save a buck or two. In many instances, drivers have reduced liability limits or collision coverage and learned later that it was a big mistake. Your goal should be to buy the best coverage you can find at an affordable rate but still have enough coverage for asset protection.

We just presented many ways to reduce 2009 Dodge Avenger insurance premium rates online. The most important thing to understand is the more providers you compare, the higher the chance of saving money. You may be surprised to find that the most savings is with the smaller companies.

Other resources