Cheaper 2011 Dodge Avenger Car Insurance Rates

Want better insurance rates for your Dodge Avenger? Being forced to pay for expensive insurance premiums can empty your bank account, especially in this economy. Doing a rate comparison is a fast and free way to lower your monthly bill.

You have so many insurers to pick from, and though it is a good thing to be able to choose, lots of choices makes it harder to compare rates and cut insurance costs.

Pay discount rates these discounts

Some providers don’t necessarily list every possible discount very well, so below is a list some of the more common and also the more inconspicuous savings tricks you should be using when you buy auto insurance online.

  • Theft Deterent – Cars and trucks equipped with anti-theft or alarm systems help deter theft and earn discounts up to 10% off your auto insurance quote.
  • Student Driver Training – Cut your cost by having your teen driver enroll and complete driver’s education if offered at their school.
  • E-sign Discounts – A few companies may give you up to $50 for completing your application on your computer.
  • Service Members Pay Less – Being on active duty in the military could trigger a small discount.
  • Onboard Data Collection – Policyholders that allow data collection to spy on their driving habits remotely such as State Farm’s In-Drive might get better premium rates as long as the data is positive.
  • Air Bags and Passive Restraints – Vehicles equipped with air bags can qualify for discounts of more than 20%.
  • Defensive Driver Discounts – Completing a class that teaches defensive driver techniques may get you a small discount and easily pay for the cost of the class.
  • Pay Early and Save – If you pay your bill all at once instead of monthly or quarterly installments you may reduce your total bill.

Consumers should know that many deductions do not apply to your bottom line cost. Some only apply to the cost of specific coverages such as liability and collision coverage. Even though it may seem like you can get free auto insurance, you won’t be that lucky.

If you would like to choose from a list of insurers who offer free insurance quotes, click here.

Special considerations

When choosing proper insurance coverage for your vehicles, there really is not a perfect coverage plan. Everyone’s needs are different so your insurance needs to address that. These are some specific questions might point out if your insurance needs may require specific advice.

  • Do I need special endorsements for business use of my vehicle?
  • Is my cargo covered for damage or theft?
  • Do I need to file an SR-22 for a DUI in my state?
  • Can my teen drive my company car?
  • Am I getting all the discounts available?
  • When should I drop full coverage on my 2011 Dodge Avenger?
  • Will my insurance pay for OEM parts?
  • Should I bundle my homeowners policy with my auto?
  • Do I really need UM/UIM coverage?
  • How high should my uninsured/underinsured coverage be in my state?

If it’s difficult to answer those questions but a few of them apply, you might consider talking to a licensed insurance agent. To find lower rates from a local agent, take a second and complete this form or you can go here for a list of companies in your area. It’s fast, free and you can get the answers you need.

Insurance coverages and their meanings

Having a good grasp of insurance helps when choosing appropriate coverage for your vehicles. The terms used in a policy can be confusing and even agents have difficulty translating policy wording. Listed below are the usual coverages available from insurance companies.

Medical costs insurance

Medical payments and Personal Injury Protection insurance provide coverage for immediate expenses for things like X-ray expenses, surgery and chiropractic care. They are used to fill the gap from your health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover you and your occupants and also covers being hit by a car walking across the street. Personal injury protection coverage is not an option in every state and gives slightly broader coverage than med pay

Comprehensive or Other Than Collision

Comprehensive insurance pays for damage that is not covered by collision coverage. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for claims such as damage from getting keyed, a tree branch falling on your vehicle, hail damage and hitting a bird. The maximum amount you can receive from a comprehensive claim is the actual cash value, so if the vehicle’s value is low consider dropping full coverage.

Liability

This coverage provides protection from damages or injuries you inflict on a person or their property. It protects YOU against other people’s claims, and does not provide coverage for your own vehicle damage or injuries.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. You commonly see liability limits of 25/50/25 that translate to 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. Alternatively, you may have one number which is a combined single limit that pays claims from the same limit and claims can be made without the split limit restrictions.

Liability can pay for things like funeral expenses, structural damage, medical services, loss of income and bail bonds. The amount of liability coverage you purchase is a decision to put some thought into, but buy as much as you can afford.

UM/UIM Coverage

This provides protection when the “other guys” are uninsured or don’t have enough coverage. Covered losses include hospital bills for your injuries as well as damage to your Dodge Avenger.

Due to the fact that many drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is a good idea. Usually the UM/UIM limits are similar to your liability insurance amounts.

Collision protection

Collision insurance pays for damage to your Avenger from colliding with a stationary object or other vehicle. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision insurance covers claims like colliding with a tree, backing into a parked car and crashing into a building. Collision is rather expensive coverage, so consider dropping it from lower value vehicles. You can also increase the deductible to bring the cost down.

Find Good Coverage for Less

We just showed you quite a bit of information on how to lower your 2011 Dodge Avenger insurance rates. It’s most important to understand that the more rate quotes you have, the better chance you’ll have of finding inexpensive auto insurance. Consumers could even find that the biggest savings come from the least-expected company. These smaller insurers may cover specific market segments cheaper than their larger competitors like State Farm, Geico and Nationwide.

When buying insurance coverage, don’t be tempted to skimp on coverage in order to save money. In many instances, someone sacrificed physical damage coverage only to find out that it was a big error on their part. The goal is to buy enough coverage at an affordable rate, but do not sacrifice coverage to save money.

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