Save on 2013 Dodge Avenger Insurance Rates

Are you kicking yourself for buying an overpriced car insurance policy? Trust us, many consumers are in the same pinch. Due to the large number of insurance companies to choose from, it can be impossible to locate the most affordable insurer.

It is always a good idea to do rate comparisons quite often because car insurance rates go up and down regularly. If you had the best deal on Avenger insurance on your last policy a different company probably has better prices today. You can find a lot of wrong information about car insurance out there, but in just a couple of minutes you can learn some of the best ways to buy car insurance cheaper.

This information will introduce you to how car insurance quotes work and some tips to save money. If you are paying for car insurance now, you stand a good chance to be able to cut costs considerably using these tips. Drivers only need to know the proper methods to compare price quotes online.

Quote insurance online

Finding cheap insurance quotes is not a difficult process. The only thing you need to do is spend a few minutes on the computer to compare free auto insurance quotes to find out which insurance company has cheaper auto insurance quotes. This can be accomplished using a couple different methods.

  1. One of the simplest ways to get quotes for comparison is a comparison rater form click to view form in new window. This easy form prevents you from having to do separate quotation requests for each company you want a rate for. A single, simple form will return price quotes from multiple companies.
  2. Another way to get quotes online is spending the time to visit each company website to complete their respective quote request forms. For example, we’ll pretend you are doing a rate comparison from Geico, Farmers and Travelers. To get rate quotes you would need to go to each individual site to input your insurance information, which can get rather old. For a handy list of car insurance company links in your area, click here.

Take whichever approach you prefer, but try to keep exactly the same quote information for each price quote. If the quotes have different deductibles it will be nearly impossible to decipher which rate is best.

What is the best insurance coverage coverage?

When it comes to choosing adequate coverage for your personal vehicles, there really is no “best” method to buy coverage. Everyone’s situation is a little different and your policy should reflect that. For example, these questions can help discover whether your personal situation might need an agent’s assistance.

  • How high should deductibles be on a 2013 Dodge Avenger?
  • Am I covered when driving on a suspended license?
  • Am I better off with higher deductibles on my 2013 Dodge Avenger?
  • Is borrowed equipment or tools covered if stolen or damaged?
  • Do I have coverage when using my vehicle for my home business?
  • Is business equipment covered while in my vehicle?
  • Why am I required to get a high-risk car insurance policy?
  • What can I do if my company denied a claim?
  • Do I pay less if my vehicle is kept in my garage?

If you’re not sure about those questions but you know they apply to you, you may need to chat with an agent. If you don’t have a local agent, complete this form or click here for a list of insurance coverage companies in your area. It’s fast, free and can help protect your family.

Specific coverages for a 2013 Dodge Avenger

Understanding the coverages of a insurance policy helps when choosing the right coverages at the best deductibles and correct limits. The terms used in a policy can be impossible to understand and nobody wants to actually read their policy. These are the normal coverages available from insurance companies.

UM/UIM Coverage

Uninsured or Underinsured Motorist coverage provides protection from other drivers when they are uninsured or don’t have enough coverage. It can pay for injuries to you and your family and also any damage incurred to your Dodge Avenger.

Due to the fact that many drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is very important. Usually the UM/UIM limits are similar to your liability insurance amounts.

Liability auto insurance

Liability insurance can cover damage or injury you incur to other people or property by causing an accident. This insurance protects YOU against claims from other people. It does not cover your own vehicle damage or injuries.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. You commonly see values of 50/100/50 which means $50,000 bodily injury coverage, $100,000 for the entire accident, and a limit of $50,000 paid for damaged property. Another option is a combined limit which limits claims to one amount with no separate limits for injury or property damage.

Liability coverage pays for things such as attorney fees, court costs, structural damage, pain and suffering and medical services. How much liability should you purchase? That is a personal decision, but you should buy as much as you can afford.

Collision insurance

This will pay to fix damage to your Avenger resulting from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible then your collision coverage will kick in.

Collision coverage pays for things such as hitting a parking meter, scraping a guard rail and sideswiping another vehicle. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from lower value vehicles. Drivers also have the option to bump up the deductible in order to get cheaper collision rates.

Medical costs insurance

Med pay and PIP coverage reimburse you for bills for ambulance fees, dental work, rehabilitation expenses, surgery and X-ray expenses. They can be used in conjunction with a health insurance plan or if you are not covered by health insurance. Coverage applies to all vehicle occupants and will also cover being hit by a car walking across the street. Personal Injury Protection is only offered in select states and gives slightly broader coverage than med pay

Comprehensive or Other Than Collision

This pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers things such as a tree branch falling on your vehicle, a broken windshield, hail damage, fire damage and falling objects. The maximum payout you can receive from a comprehensive claim is the actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.