How Much Does 2010 Dodge Avenger Car Insurance Cost?

Baffled by the sheer number of auto insurance choices in your area? There are so many choices that it can quickly become a difficult challenge to find a cheaper company.

If you currently have a car insurance policy, you will be able to save some money using these tips. Buying affordable car insurance is easy if you know what you’re doing. Although vehicle owners must understand the methods companies use to market insurance on the web and apply this information to your search.

These discounts can lower your insurance quotes

Car insurance companies don’t always publicize every discount very clearly, so the following is a list of a few of the more common and also the more inconspicuous ways to save on insurance.

  • Good Grades Discount – Maintaining excellent grades could provide a savings of up to 20% or more. Many companies even apply the discount to college students well after school through age 25.
  • Claim-Free Discount – Good drivers with no accidents pay much less as opposed to accident-prone drivers.
  • More Vehicles More Savings – Having more than one vehicle with the same company qualifies for this discount.
  • Government Employees – Simply working for the federal government could cut as much as 10% off for Avenger insurance with some insurance companies.
  • Own a Home and Save – Owning a home may trigger a policy discount on insurance because it is proof of financial responsibility.
  • Air Bags and Passive Restraints – Vehicles with factory air bags and/or automatic seat belt systems may get savings of more than 20%.

Discounts reduce rates, but you should keep in mind that some credits don’t apply the the whole policy. A few only apply to specific coverage prices like liability and collision coverage. Even though it appears having all the discounts means you get insurance for free, nobody gets a free ride. Any qualifying discounts will definitely reduce your policy premiums.

A few popular companies and their possible discounts can be found below.

  • Progressive may include discounts for multi-vehicle, multi-policy, continuous coverage, good student, homeowner, and online quote discount.
  • MetLife may offer discounts for claim-free, accident-free, multi-policy, good student, defensive driver, good driver
  • Mercury Insurance may have discounts that include accident-free, multi-policy, good driver, ease of repair, good student, and annual mileage.
  • Nationwide policyholders can earn discounts including defensive driving, multi-policy, Farm Bureau membership, anti-theft, and good student.
  • Geico has discounts for membership and employees, seat belt use, multi-vehicle, driver training, anti-lock brakes, and emergency military deployment.
  • AAA has savings for AAA membership discount, good driver, education and occupation, anti-theft, pay-in-full, and good student.

It’s a good idea to ask every company the best way to save money. Some discounts listed above might not be offered on policies in your area.

Different people need different car insurance coverages

When it comes to choosing proper insurance coverage, there isn’t really a “perfect” insurance plan. Everyone’s situation is a little different.

Here are some questions about coverages that might help in determining whether you would benefit from professional advice.

  • Is my custom paint covered by insurance?
  • What is medical payments coverage?
  • What is the ISO rating for a 2010 Dodge Avenger?
  • Why am I required to get a high-risk car insurance policy?
  • What if I owe more than I can insure my car for?
  • Do I need rental car coverage?
  • Do I need motorclub coverage?

If you can’t answer these questions but you know they apply to you, then you may want to think about talking to a licensed agent. To find an agent in your area, take a second and complete this form.

Car insurance savings promises

Respected companies like Allstate, Geico and Progressive endlessly run ads on TV and radio. They all state the claim that drivers will save a bundle if you change your coverage to them. How can each company charge you a lower premium? You have to listen carefully.

Car insurance companies can use profiling for the type of customer that earns them the highest profit. For instance, this type of insured may need to be between the ages of 40 and 55, has a low-risk occupation, and has great credit. Anybody that hits that “sweet spot” will get low premium rates and therefore will save a lot if they switch.

People who don’t qualify for these standards will get higher premium rates which results in the customer not buying. The ad wording is “people who switch” not “everyone that quotes” save the amount stated. That’s the way insurance companies can lure you into getting a quote.

Different companies use different criteria so you need to do a price quote comparison at every renewal. It is just not possible to predict which insurance companies will give you lower rates than your current company.

Insurance coverages explained

Having a good grasp of your policy can help you determine which coverages you need and the correct deductibles and limits. Policy terminology can be confusing and coverage can change by endorsement.

Protection from uninsured/underinsured drivers

Uninsured or Underinsured Motorist coverage provides protection from other drivers when they either are underinsured or have no liability coverage at all. Covered claims include injuries to you and your family as well as damage to your Dodge Avenger.

Since many drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea. Usually these limits are similar to your liability insurance amounts.

Liability

Liability coverage will cover damage or injury you incur to other’s property or people in an accident. This coverage protects you against other people’s claims, and does not provide coverage for your injuries or vehicle damage.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have liability limits of 25/50/25 that translate to 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. Another option is one number which is a combined single limit which combines the three limits into one amount with no separate limits for injury or property damage.

Liability coverage pays for claims like legal defense fees, repair bills for other people’s vehicles, funeral expenses and structural damage. The amount of liability coverage you purchase is up to you, but consider buying higher limits if possible.

Collision coverage protection

Collision insurance will pay to fix damage to your Avenger resulting from a collision with a stationary object or other vehicle. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision can pay for things like colliding with another moving vehicle, scraping a guard rail, crashing into a ditch and hitting a parking meter. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are 8 years or older. It’s also possible to bump up the deductible to save money on collision insurance.

Comprehensive (Other than Collision)

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

Comprehensive coverage pays for things like falling objects, damage from getting keyed, rock chips in glass, theft and a broken windshield. The maximum amount your insurance company will pay is the ACV or actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Medical expense insurance

Personal Injury Protection (PIP) and medical payments coverage kick in for expenses for things like surgery, prosthetic devices, ambulance fees and doctor visits. The coverages can be utilized in addition to your health insurance policy or if there is no health insurance coverage. They cover not only the driver but also the vehicle occupants in addition to getting struck while a pedestrian. PIP is not available in all states and may carry a deductible

Don’t be a big spender

Discount 2010 Dodge Avenger insurance can be bought online and with local insurance agents, so you should be comparing quotes from both to get a complete price analysis. Some car insurance companies don’t offer online quoting and most of the time these regional carriers sell through independent insurance agents.

We just covered many ways to reduce 2010 Dodge Avenger insurance rates online. The key thing to remember is the more you quote auto insurance, the better likelihood of getting the cheapest auto insurance. You may even discover the biggest savings come from a company that doesn’t do a lot of advertising.

As you restructure your insurance plan, it’s not a good idea to skimp on critical coverages to save a buck or two. There are many occasions where someone dropped liability coverage limits and found out when filing a claim they didn’t have enough coverage. Your objective should be to buy enough coverage at the best price, but don’t skip important coverages to save money.

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