Nobody I know likes having to buy auto insurance, especially knowing the price is too high.
Drivers have so many insurers to pick from, and even though it’s nice to have a choice, it makes it harder to compare rates and find the lowest cost auto insurance.
Consumers should take time to take a look at other company’s rates yearly because prices are adjusted regularly by insurance companies. If you had the lowest price on Avenger insurance two years ago there is a good chance you can find better rates now. So just forget anything you know (or think you know) about auto insurance because it’s time to teach you the best way to lower your annual insurance bill.
Finding affordable coverage is quite easy. If you currently have car insurance, you stand a good chance to be able to reduce your rates substantially using these techniques. Although vehicle owners must know how companies price online insurance because it can help you find the best coverage.
Companies don’t always advertise every discount very clearly, so we break down some of the best known as well as the least known ways to save on insurance coverage.
A little note about advertised discounts, most discount credits are not given the the whole policy. Most only reduce the price of certain insurance coverages like comp or med pay. Even though it may seem like you could get a free insurance coverage policy, you’re out of luck.
A partial list of companies that possibly offer these discounts include:
Before buying, ask each insurance company how you can save money. All car insurance discounts might not be offered in your area.
There are a lot of ways you can shop for insurance but one way is easier and takes less work. You can spend your afternoon driving to insurance agencies in your area, or you could save time and use online quoting to achieve your goal.
Most major companies participate in an industry program where prospective buyers submit one quote, and each participating company returns a rated price based on that information. This system prevents you from having to do form submissions for each company.
To use this form to compare 2000 Dodge Avenger insurance rates click here (opens in new window).
The one downside to doing it this way is you are unable to specify the providers to get quotes from. If you wish to select specific providers for rate comparison, we have a page of companies who write insurance in your area. Click here to view list.
Whichever way you use, compare apples-to-apples coverage limits and deductibles for each comparison quote. If you compare unequal deductibles or liability limits then you won’t be able to determine the best price for your Dodge Avenger. Having just a slight variation in coverages can mean a large discrepancy in price. And when comparing insurance rates, know that having more price comparisons will improve the odds of getting better pricing.
Consumers need to have an understanding of the factors that come into play when calculating your auto insurance rates. Having a good understanding of what controls the rates you pay helps enable you to make changes that could result in lower auto insurance prices.
The list below includes a few of the “ingredients” that factor into premiums.
When choosing adequate coverage, there isn’t really a cookie cutter policy. Your needs are not the same as everyone else’s so your insurance should reflect that For instance, these questions may help highlight whether your personal situation might need an agent’s assistance.
If it’s difficult to answer those questions then you might want to talk to a licensed insurance agent. To find an agent in your area, complete this form or you can go here for a list of companies in your area.
Car insurance providers like Allstate and Progressive regularly use ads on television and other media. They all say the same thing of big savings if you move to their company. How does each company claim to save you money?
Different companies have a certain “appetite” for the right customer that makes them money. An example of a driver they prefer might be a mature driver, has no prior claims, and drives less than 7,500 miles a year. A customer getting a price quote who meets those qualifications gets the lowest rates and is almost guaranteed to cut their rates substantially.
Potential insureds who don’t qualify for the requirements must pay higher rates and this can result in business going elsewhere. The ad wording is “people who switch” not “everybody who quotes” save that kind of money. That’s why companies can make the claims of big savings. This illustrates why you absolutely need to quote coverage with many companies. It’s just too difficult to predict the company that will fit your personal profile best.
Learning about specific coverages of your policy aids in choosing the right coverages and proper limits and deductibles. The terms used in a policy can be impossible to understand and reading a policy is terribly boring. Below you’ll find the usual coverages available from insurance companies.
Collision coverage pays for damage to your Avenger from colliding with another car or object. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.
Collision can pay for things such as sustaining damage from a pot hole, crashing into a building, crashing into a ditch and colliding with another moving vehicle. This coverage can be expensive, so consider dropping it from older vehicles. It’s also possible to bump up the deductible to bring the cost down.
Personal Injury Protection (PIP) and medical payments coverage pay for immediate expenses like rehabilitation expenses, ambulance fees and pain medications. They can be used to fill the gap from your health insurance program or if you are not covered by health insurance. They cover you and your occupants as well as being hit by a car walking across the street. Personal Injury Protection is not universally available and may carry a deductible
This coverage will pay to fix 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 coverage pays for claims like damage from flooding, fire damage, a broken windshield, vandalism and rock chips in glass. The maximum amount your insurance company will pay is the cash value of the vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.
This coverage provides protection when the “other guys” either have no liability insurance or not enough. Covered claims include injuries to you and your family and also any damage incurred to your 2000 Dodge Avenger.
Since a lot of drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important.
Liability coverage will cover damage or injury you incur to a person or their property that is your fault. This insurance protects YOU from claims by other people. Liability doesn’t cover your injuries or vehicle damage.
Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have policy limits of 25/50/25 that means you have a limit of $25,000 per injured person, a total of $50,000 of bodily injury coverage per accident, and a limit of $25,000 paid for damaged property.
Liability coverage protects against claims like repair costs for stationary objects, attorney fees, medical services and funeral expenses. How much coverage you buy is your choice, but it’s cheap coverage so purchase as large an amount as possible.
Budget-conscious 2000 Dodge Avenger insurance can be sourced both online and also from your neighborhood agents, and you should compare price quotes from both so you have a total pricing picture. There are still a few companies who may not provide the ability to get a quote online and most of the time these regional insurance providers sell through independent agents.
While you’re price shopping online, it’s a bad idea to reduce coverage to reduce premium. Too many times, someone dropped uninsured motorist or liability limits and learned later that the small savings ended up costing them much more. The ultimate goal is to purchase plenty of coverage at an affordable rate, not the least amount of coverage.