Looking for the cheapest car insurance rates for your Dodge Avenger? Are you burned out from scraping the payment together to insure your Dodge every month? You’re in the same situation as millions of other consumers.
Due to the fact that there are so many insurance companies to choose from, it’s difficult to pick the lowest cost insurer.
It’s smart to get comparison quotes before your next renewal because car insurance rates change regularly. Despite the fact that you may have had the lowest premium rates on Avenger coverage a few years ago you can probably find a lower rate today. Forget all the misinformation about car insurance because it’s time to teach you one of the quickest ways to find lower rates on car insurance.
There are a lot of ways to compare insurance coverage prices but there is one way that is less time-consuming than others. You can spend your afternoon discussing policy coverages with insurance companies in your area, or you could save time and use online quotes to accomplish the same thing much quicker.
Most car insurance companies participate in an industry program where prospective buyers submit one quote, and every company provides a quote based on that information. This saves time by eliminating quotation requests to each individual insurance coverage company.
To find out how much you can save on insurance coverage click here (opens in new window).
The one downside to comparing rates this way is you don’t know exactly which companies to get pricing from. So if you prefer to choose specific insurance companies to compare prices, we put together a list of low cost insurance coverage companies in your area. View list of insurance companies.
You can choose any of those ways to find more affodable coverage, but do your best to use apples-to-apples quote data for every company. If the quotes have different limits and deductibles on each one it will be next to impossible to make a fair rate comparison. Quoting even small variations in insurance coverages or limits can result in a big premium difference. And when quoting insurance coverage, remember that having more price comparisons helps improve the odds of finding a lower rate than you’re paying now. Not every company provides online quotes, so it’s necessary to compare price estimates on coverage from those companies, too.
When it comes to choosing proper insurance coverage, there really is not a single plan that fits everyone. Your needs are not the same as everyone else’s so your insurance should reflect that Here are some questions about coverages that might help in determining whether or not you might need professional guidance.
If you’re not sure about those questions but one or more may apply to you, you may need to chat with an agent. If you don’t have a local agent, take a second and complete this form or click here for a list of insurance companies in your area.
Learning about specific coverages of a auto insurance policy can help you determine the right coverages at the best deductibles and correct limits. The coverage terms in a policy can be ambiguous and even agents have difficulty translating policy wording. These are the normal coverages found on most auto insurance policies.
Liability coverages – This provides protection from injuries or damage you cause to other’s property or people. It protects you from claims by other people, and doesn’t cover your own vehicle damage or injuries.
Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see values of 100/300/100 that means you have a limit of $100,000 per injured person, a limit of $300,000 in injury protection per accident, and a limit of $100,000 paid for damaged property. Alternatively, you may have one limit called combined single limit (CSL) which limits claims to one amount without having the split limit caps.
Liability coverage protects against claims such as emergency aid, structural damage, attorney fees, court costs and bail bonds. How much liability should you purchase? That is a personal decision, but buy as much as you can afford.
Insurance for medical payments – Medical payments and Personal Injury Protection insurance provide coverage for immediate expenses such as surgery, dental work and rehabilitation expenses. They are utilized in addition to your health insurance policy or if you lack health insurance entirely. It covers you and your occupants in addition to being hit by a car walking across the street. PIP coverage is not available in all states and gives slightly broader coverage than med pay
Uninsured Motorist or Underinsured Motorist insurance – This protects you and your vehicle’s occupants from other drivers when they are uninsured or don’t have enough coverage. Covered claims include medical payments for you and your occupants and also any damage incurred to your Dodge Avenger.
Due to the fact that many drivers carry very low liability coverage limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages is important protection for you and your family. Most of the time these coverages are set the same as your liablity limits.
Comprehensive coverage (or Other than Collision) – This pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.
Comprehensive can pay for things like damage from getting keyed, damage from flooding and a tree branch falling on your vehicle. The maximum amount a auto insurance company will pay at claim time is the actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.
Collision coverage – This pays for damage to your Avenger resulting from colliding with another car or object. A deductible applies and the rest of the damage will be paid by collision coverage.
Collision coverage pays for things such as scraping a guard rail, hitting a mailbox, crashing into a ditch and sideswiping another vehicle. Collision is rather expensive coverage, so you might think about dropping it from older vehicles. Another option is to bump up the deductible to bring the cost down.