Cheaper 1996 Dodge Avenger Insurance Quotes

Trying to find low-cost insurance for your Dodge Avenger can normally be an all-consuming task, but you can follow our car insurance buying tips to save time.

There is a right way and a wrong way to compare car insurance rates and you need to know the absolute fastest way to compare rates for your Dodge and find the best price possible.

It is always a good idea to do rate comparisons before your policy renews due to the fact that insurance rates are rarely the same from one policy term to another. Even if you think you had the best rates on Avenger insurance a year ago you can probably find a lower rate today. Ignore everything you know about car insurance because we’re going to demonstrate the proper way to get good coverage at a lower rate.

Comparison of Insurance Coverage

Performing a rate comparison is a ton of work if you don’t understand the easiest way. You can waste hours talking about coverages with insurance companies in your area, or you can stay home and use the internet to get rates in a matter of minutes.

Most of the best insurance companies belong to an insurance system that allows shoppers to complete one form, and each participating company can give them a price for coverage. This prevents consumers from doing form submissions for every insurance coverage company.

To get comparison pricing now click to open in new window.

One minor caviat to using this type of system is you are unable to specify the insurers to receive prices from. If you wish to select specific insurance companies to compare, we have a listing of the cheapest insurance coverage companies in your area. Click to view list.

Whichever method you choose, make absolute certain that you use exactly the same information for each comparison quote. If your comparisons have differing limits it will be impossible to make an equal comparison.

Don’t pay full price with these discounts

Insurance can be prohibitively expensive, but there are discounts available to reduce the price significantly. Larger premium reductions will be automatically applied when you purchase, but some must be manually applied before being credited. If you don’t get every credit you deserve, you are paying more than you should be.

Seat Belts Save more than Lives – Buckling up and requiring all passengers to buckle their seat belts can save 10% or more on the medical payments or PIP coverage costs.
Drive Less and Save – Keeping the miles down on your Dodge can earn lower rates on the low mileage vehicles.
Multi-policy Discount – If you insure your home and vehicles with one insurance company you could get a discount of 10% to 20% off each policy.
Good Student – This discount can get you a discount of up to 25%. The discount lasts up to age 25.
One Accident Forgiven – A handful of insurance companies will forgive one accident without raising rates if you are claim-free for a set time period.
Homeowners Pay Less – Owning a home can help you save on car insurance because owning a home demonstrates responsibility.

Drivers should understand that most discount credits are not given to the entire policy premium. Some only reduce individual premiums such as liability and collision coverage. So when the math indicates all the discounts add up to a free policy, car insurance companies aren’t that generous. But all discounts will help reduce the amount you have to pay.

A partial list of companies that may offer these benefits include:

Double check with every prospective company what discounts are available to you. Savings might not apply in your area.

Your personal situation dictates your coverage

When buying the right insurance coverage, there isn’t really a best way to insure your cars. Every situation is different.

For instance, these questions can aid in determining if your insurance needs could use an agent’s help.

Can my teen drive my company car?
Is my dog or cat covered if injured in an accident?
What is the minimum liability in my state?
Will I be non-renewed for getting a DUI or other conviction?
Do I need an umbrella policy?
Can I get a multi-policy discount for packaging my home and auto coverage?
Which companies will insure high-risk drivers?
Do I need rental car coverage?
Who is covered when they drive my 1996 Dodge Avenger?
What can I do if my company won’t pay a claim?

If it’s difficult to answer those questions but you think they might apply to your situation, then you may want to think about talking to a licensed agent. If you want to speak to an agent in your area, complete this form. It only takes a few minutes and can help protect your family.

Coverages available on your policy

Understanding the coverages of a car insurance policy aids in choosing the right coverages for your vehicles. Car insurance terms can be confusing and even agents have difficulty translating policy wording.

Protection from uninsured/underinsured drivers

Your UM/UIM coverage protects you and your vehicle’s occupants from other motorists when they either have no liability insurance or not enough. It can pay for medical payments for you and your occupants and also any damage incurred to your Dodge Avenger.

Due to the fact that many drivers only carry the minimum required liability limits, their limits can quickly be used up. So UM/UIM coverage is a good idea. Most of the time the UM/UIM limits do not exceed the liability coverage limits.

Coverage for collisions

Collision insurance covers damage to your Avenger from colliding with an object or car. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers claims like driving through your garage door, crashing into a ditch, rolling your car, colliding with another moving vehicle and sustaining damage from a pot hole. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are 8 years or older. You can also raise the deductible to save money on collision insurance.

Liability insurance

This coverage will cover damage that occurs to other people or property. This insurance protects YOU against other people’s claims, and does not provide coverage for damage sustained by your vehicle in an accident.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show values of 25/50/25 which means a $25,000 limit per person for injuries, a total of $50,000 of bodily injury coverage per accident, and $25,000 of coverage for damaged propery. Another option is one number which is a combined single limit which provides one coverage limit and claims can be made without the split limit restrictions.

Liability insurance covers things like structural damage, legal defense fees, medical services, emergency aid and medical expenses. How much coverage you buy is up to you, but you should buy higher limits if possible.

Medical expense insurance

Coverage for medical payments and/or PIP pay for short-term medical expenses for prosthetic devices, X-ray expenses and hospital visits. They are often used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. Coverage applies to all vehicle occupants and will also cover getting struck while a pedestrian. Personal Injury Protection is not available in all states and gives slightly broader coverage than med pay

Comprehensive (Other than Collision)

This covers damage OTHER than collision with another vehicle or object. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for claims like falling objects, theft, damage from getting keyed and a broken windshield. The maximum amount your car 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.