View 2014 Dodge Avenger Insurance Quotes

Trying to find the cheapest car insurance rates for your Dodge Avenger? Searching for the cheapest insurance for a Dodge Avenger can turn out to be difficult, but you can follow the following methods and make it easy.

There is a right way and a wrong way to shop for car insurance so we’re going to tell you the best way to price shop coverage on a Dodge and obtain the best price possible.

Finding more affordable protection is quite easy. If you have insurance now or need a new policy, you can use these techniques to shop for the lowest rates and possibly find even better coverage. Vehicle owners only need to know the proper way to compare price quotes online.

You may qualify for discounts

Buying insurance coverage is not cheap, but there’s a good chance there are discounts that can help lower your rates. A few discounts will automatically apply when you quote, but some need to be inquired about before being credited.

  • Discounts for Responsible Drivers – Insureds who avoid accidents can save up to 40% or more on their insurance coverage quote for Avenger coverage compared to rates paid by drivers with frequent claims.
  • Theft Deterent Discount – Vehicles equipped with tracking devices and advanced anti-theft systems help deter theft and will qualify for a discount on a insurance coverage quote.
  • Federal Employees – Employees or retirees of the government can earn a discount up to 10% for Avenger coverage depending on your company.
  • Defensive Driver Discount – Taking a defensive driving course could save 5% or more depending on where you live.
  • Drive Less and Save – Low annual miles could qualify for substantially lower premium rates.
  • Waiver for an Accident – Not really a discount, but some insurance companies permit an accident without getting socked with a rate hike if your claims history is clear prior to the accident.

It’s important to understand that most credits do not apply to the entire policy premium. Most cut specific coverage prices like collision or personal injury protection. Just because you may think you would end up receiving a 100% discount, it doesn’t quite work that way.

Larger insurance coverage companies and their offered discounts are included below.

  • Farmers Insurance policyholders can earn discounts including business and professional, mature driver, youthful driver, distant student, homeowner, switch companies, and multi-car.
  • Esurance has savings for claim free, good student, Switch & Save, online quote, DriveSense, and homeowner.
  • State Farm has discounts for Drive Safe & Save, anti-theft, safe vehicle, defensive driving training, good student, accident-free, and good driver.
  • Geico may offer discounts for multi-policy, driver training, membership and employees, anti-theft, air bags, multi-vehicle, and military active duty.
  • Allstate may include discounts for economy car, teenSMART discount, 55 and retired, farm vehicle, and multi-policy.

When getting a coverage quote, ask each company which credits you are entitled to. Discounts might not apply in your area. If you would like to choose from a list of insurance companies with discount rates, click here to view.

Ways to get insurance quotes

Finding a better price on insurance isn’t really that difficult. All you need to do is take a few minutes to compare free insurance coverage quotes to see which company has affordable insurance coverage quotes. This is very easy and can be done in several different ways.

  1. The first (and easiest) way consumers can analyze rates is to use a rate comparison form click here to open form in new window. This quick form saves time by eliminating separate quotation requests for each company. One simple form gets insurance cost estimates from several companies. Just one form and you’re done.
  2. A slightly less efficient method to get quotes online requires a visit to the website for each individual company and fill out their own quote form. For example, let’s say you need rates from Auto-Owners, Progressive and GMAC. You would need to go to each individual site to input your insurance information, which is not fast way to get rate quotes. For a list of companies in your area, click here.
  3. The most difficult method to get price estimates to each insurance agency near you. The fact that you can get quotes online has reduced the need for local agents unless you have a need for the trained advice that can only be provided by a licensed insurance agent. It is possible to comparison shop online but buy from a local insurance agent.

Whichever way you choose to compare rates, make sure you are using the exact same coverages on every quote. If the quotes have different deductibles it’s impossible to find the best deal for your Dodge Avenger.

There’s no such thing as the perfect auto insurance policy

When choosing coverage, there isn’t really a cookie cutter policy. Everyone’s situation is unique.

Here are some questions about coverages that can aid in determining if your insurance needs could use an agent’s help.

  • Is my vehicle covered by my employer’s policy when using it for work?
  • Does coverage extend to a rental car in a foreign country?
  • Is a new car covered when I drive it off the dealer lot?
  • Does car insurance cover theft of personal property?
  • Am I covered by my spouse’s policy after a separation?
  • Where can I get insurance after a DUI in my state?
  • Which is better, split liability limits or combined limits?
  • Am I covered when pulling a rental trailer?
  • If I drive on a suspended license am I covered?

If you don’t know the answers to these questions then you might want to talk to a licensed insurance agent. If you want to speak to an agent in your area, fill out this quick form. It is quick, free and can provide invaluable advice.

Specific coverage details

Knowing the specifics of your car insurance policy aids in choosing appropriate coverage for your vehicles. Car insurance terms can be confusing and coverage can change by endorsement.

Medical payments and PIP coverage

Medical payments and Personal Injury Protection insurance kick in for expenses for things like hospital visits, funeral costs, prosthetic devices, doctor visits and dental work. The coverages can be used in conjunction with a health insurance policy or if you lack health insurance entirely. They cover all vehicle occupants and will also cover being hit by a car walking across the street. PIP is not an option in every state and gives slightly broader coverage than med pay

UM/UIM (Uninsured/Underinsured Motorist) coverage

This protects you and your vehicle’s occupants from other drivers when they are uninsured or don’t have enough coverage. Covered losses include injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Since a lot of drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family. Most of the time these limits are identical to your policy’s liability coverage.

Collision insurance

This will pay to fix damage to your Avenger resulting from a collision with another vehicle or an object, but not an animal. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers things such as driving through your garage door, colliding with a tree, sideswiping another vehicle, rolling your car and backing into a parked car. Collision is rather expensive coverage, so consider dropping it from older vehicles. Another option is to raise the deductible to get cheaper collision coverage.

Auto liability

Liability insurance can cover damages or injuries you inflict on people or other property that is your fault. It protects you against other people’s claims, and doesn’t cover damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see liability limits of 100/300/100 which means a $100,000 limit per person for injuries, a total of $300,000 of bodily injury coverage per accident, and a limit of $100,000 paid for damaged property. Another option is a combined single limit or CSL which limits claims to one amount rather than limiting it on a per person basis.

Liability insurance covers claims such as attorney fees, bail bonds, court costs, medical services and structural damage. How much coverage you buy is your choice, but it’s cheap coverage so purchase as high a limit as you can afford.

Comprehensive auto coverage

Comprehensive insurance coverage pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive coverage pays for things such as a tree branch falling on your vehicle, damage from a tornado or hurricane, theft and falling objects. The highest amount you’ll receive from a claim is the actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Online plus local equals savings

Low-cost 2014 Dodge Avenger insurance can be purchased from both online companies in addition to many insurance agents, so get free insurance coverage quotes from both of them to have the best chance of lowering rates. Some auto insurance companies may not have rate quotes online and usually these small, regional companies only sell coverage through local independent agencies.

You just read a lot of ways to save on 2014 Dodge Avenger insurance. The key thing to remember is the more companies you get prices for, the better your chances of lowering your prices. Consumers may even find the lowest priced auto insurance comes from a company that doesn’t do a lot of advertising.

When trying to cut insurance costs, it’s not a good idea to buy lower coverage limits just to save a few bucks. Too many times, an insured cut uninsured motorist or liability limits to discover at claim time that a couple dollars of savings turned into a financial nightmare. The goal is to buy a smart amount of coverage at the lowest possible cost and still be able to protect your assets.

Much more information about auto insurance can be found at the links below