View 2012 Dodge Avenger Insurance Rates

Have you had enough of trying to scrape together enough money to pay your car insurance bill each month? You are no different than many other drivers.

Since consumers have many insurance companies to choose from, it is very difficult to pick the lowest cost provider.

It’s a good idea to shop coverage around every six months because insurance rates change regularly. Just because you found the best deal for Avenger coverage a couple years back you can probably find a lower rate today. So forget anything you know (or think you know) about car insurance because I’m going to teach you how to use the internet to lower your annual insurance bill.

These discounts can slash car insurance rates

Properly insuring your vehicles can get expensive, but companies offer discounts that you may not even be aware of. Larger premium reductions will be automatically applied at the time you complete a quote, but some must be asked for in order for you to get them.

  • Payment Discounts – If paying your policy premium upfront instead of making monthly payments you may reduce your total bill.
  • Passive Restraint Discount – Cars that have air bags and/or automatic seat belt systems may earn rate discounts of more than 20%.
  • More Vehicles More Savings – Insuring multiple cars or trucks on the same car insurance policy could earn a price break for each car.
  • Government Employees – Being employed by or retired from a federal job could cut as much as 10% off for Avenger coverage with a few car insurance companies.
  • Clubs and Organizations – Belonging to a qualifying organization is a good way to get lower rates on car insurance for Avenger coverage.

Keep in mind that most discount credits are not given to the entire policy premium. Most only cut the price of certain insurance coverages like liability and collision coverage. Just because you may think you would end up receiving a 100% discount, car insurance companies aren’t that generous. Any amount of discount will bring down the cost of coverage.

Insurance companies that possibly offer these discounts include:

Before buying, ask each insurance company which discounts they offer. Savings may not apply in your area.

Compare Car Insurance Today

Shopping for lower car insurance rates can be a daunting task if you don’t utilize the most efficient way to do it. You can spend countless hours talking to agents in your area, or you could use the internet to quickly compare rates.

Many insurance companies participate in an industry program where insurance shoppers submit their information once, and each company provides a quote based on the submitted data. This prevents consumers from doing quotation requests to each individual car insurance company. To participate in this free quote system, click here to start a free quote.

One minor caviat to doing it this way is you are unable to specify the companies you want to price. If you would rather choose specific insurance companies to compare prices, we have a listing of low cost car insurance companies in your area. View list of insurance companies.

It’s your choice how you get your quotes, but make sure you use exactly the same quote information for every quote you compare. If you use different deductibles it will be impossible to make a fair comparison for your Dodge Avenger. Slightly different limits may cause a big price difference. And when comparing car insurance rates, know that quoting more helps locate the best offered rates.

When might I need the advice of an agent?

When it comes to buying coverage, there isn’t really a one size fits all plan. Each situation is unique so this has to be addressed. For instance, these questions could help you determine if your insurance needs might need professional guidance.

  • Do I have newly-aquired coverage?
  • What is covered by UM/UIM coverage?
  • Do I have coverage if my license is suspended?
  • Do I need rental car coverage?
  • Can I pay claims out-of-pocket if I buy high deductibles?
  • If my 2012 Dodge Avenger is totaled, can I afford another vehicle?
  • Does liability extend to a camper or trailer?
  • What companies insure drivers after a DUI or DWI?

If you can’t answer these questions then you might want to talk to a licensed insurance agent. If you don’t have a local agent, take a second and complete this form or you can go here for a list of companies in your area.

What insurance coverages do you need?

Learning about specific coverages of your policy can be of help when determining the right coverages at the best deductibles and correct limits. Policy terminology can be difficult to understand and even agents have difficulty translating policy wording. These are the usual coverages found on most insurance policies.

Coverage for medical payments – Personal Injury Protection (PIP) and medical payments coverage reimburse you for bills like doctor visits, rehabilitation expenses and prosthetic devices. They are often utilized in addition to your health insurance policy or if you are not covered by health insurance. They cover both the driver and occupants in addition to being hit by a car walking across the street. Personal injury protection coverage is only offered in select states and gives slightly broader coverage than med pay

Collision coverages – Collision insurance covers damage to your Avenger caused by collision with an object or car. A deductible applies then the remaining damage will be paid by your insurance company.

Collision insurance covers things like colliding with another moving vehicle, crashing into a building and sustaining damage from a pot hole. Collision is rather expensive coverage, so consider dropping it from vehicles that are older. You can also increase the deductible to bring the cost down.

Comprehensive coverages – This coverage covers damage OTHER than collision with another vehicle or object. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive coverage pays for claims such as hitting a bird, vandalism and damage from flooding. The maximum payout a insurance company will pay at claim time is the market value of your vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.

Uninsured and underinsured coverage – This coverage gives you protection from other drivers when they either are underinsured or have no liability coverage at all. Covered losses include injuries to you and your family as well as your vehicle’s damage.

Because many people only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Normally these coverages are identical to your policy’s liability coverage.

Liability car insurance – This coverage can cover damage that occurs to other’s property or people in an accident. This coverage protects you from legal claims by others. It does not cover damage to your own property or vehicle.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. You might see values of 50/100/50 that means you have $50,000 bodily injury coverage, a per accident bodily injury limit of $100,000, and $50,000 of coverage for damaged propery. Occasionally you may see a combined limit which provides one coverage limit without having the split limit caps.

Liability coverage protects against things like emergency aid, funeral expenses, attorney fees, medical services and structural damage. How much liability should you purchase? That is a decision to put some thought into, but buy as much as you can afford.

Never pay more for less

As you restructure your insurance plan, don’t be tempted to skimp on coverage in order to save money. In many cases, drivers have reduced collision coverage only to discover later that saving that couple of dollars actually costed them tens of thousands. Your focus should be to purchase plenty of coverage at an affordable rate.

In this article, we presented many ideas to reduce 2012 Dodge Avenger insurance prices online. The key thing to remember is the more providers you compare, the better your chances of lowering your rates. You may even discover the best price on insurance is with a small mutual company. These companies often have lower prices on specific markets than their larger competitors like State Farm or Progressive.

More information can be found below: