Compare 1996 Dodge Avenger Insurance Quotes

Feel like you’re a prisoner to an underperforming, overpriced insurance policy? Trust us, many consumers feel financially strained by their insurance policy.

Drivers have multiple insurance companies to insure vehicles with, and even though it’s nice to be able to choose, so many choices can make it hard to find the lowest rates.

Dodge Avenger rates are in the details

Consumers need to have an understanding of some of the elements that come into play when calculating your auto insurance rates. When you know what positively or negatively impacts premium levels allows you to make educated decisions that will entitle you to much lower annual insurance costs.

The list below includes some of the factors companies use to determine prices.

  • Your occupation can affect rates – Careers like doctors, social workers and financial analysts tend to have higher average rates due to stressful work requirements and long work hours. Conversely, professions such as actors, engineers and the unemployed receive lower rates on Avenger coverage.
  • Poor driving leads to higher costs – Drivers who don’t get tickets tend to pay less for car insurance than bad drivers. Even one ticket can bump up the cost by as much as thirty percent. Drivers who have serious citations such as DUI or reckless driving may need to file a proof of financial responsibility form (SR-22) with their state motor vehicle department in order to continue driving.
  • Lower rates come with age – Mature drivers tend to be more responsible, tend to file fewer claims and tend to be better behind the wheel. Youthful drivers tend to be less responsible in a vehicle therefore auto insurance rates are much higher.
  • Little extras can really add up – There are a lot of add-on coverages that you can get tricked into buying on your auto insurance policy. Coverages for roadside assistance, accidental death and motor club memberships are examples of these. They may seem good initially, but if you don’t need them eliminate them to save money.
  • Never let your coverage lapse – Having an insurance coverage lapse is a quick way to pay more for auto insurance. And not only will your rates increase, but not being able to provide proof of insurance can result in a hefty fine and possibly a revoked license.

Free Insurance Quotes

There are multiple methods to compare 1996 Dodge Avenger insurance quotes, but one way is easier and takes less work. You could waste time talking to agents in your area, or you could save time and use online quoting to get the quickest rates.

All the larger companies participate in a marketplace that allows shoppers to enter their coverage request one time, and at least one company then gives them pricing. This saves time by eliminating quotation requests for every insurance company.

To fill out one form to compare multiple rates now click to open in new window.

The one disadvantage to doing it this way is you can’t choose which insurance companies you will receive quotes from. If you wish to select specific insurance companies to request quotes from, we put together a list of the cheapest insurance companies in your area. Click to view list.

Whichever way you use, compare exactly the same coverage limits and deductibles with each company. If each company quotes different deductibles you can’t possibly determine the best price for your Dodge Avenger. Having just a slight variation in coverage limits may result in a large different in cost. Keep in mind that obtaining a wide range of quotes will increase your chances of finding the best price.

Ads can be misleading

State Farm and Allstate constantly bombard you with television and radio advertisements. All the companies make the same claim about savings if you switch to them. How can each company make the same claim?

Insurance companies can use profiling for the type of customer that is profitable for them. A good example of a driver they prefer might be profiled as over the age of 40, a clean driving record, and has great credit. A propective insured who fits that profile gets the lowest rates and is almost guaranteed to save when they switch companies.

Drivers who don’t meet this ideal profile will be quoted a higher premium which usually ends up with business going elsewhere. The ad wording is “drivers who switch” not “everyone that quotes” save money. That’s the way companies can truthfully state the savings.

This emphasizes why you need to get as many comparisons as possible. It’s just too difficult to predict which company will provide you with the cheapest Dodge Avenger insurance rates.

Save money by taking advantage of these discounts

Properly insuring your vehicles can get expensive, but companies offer discounts that can drop the cost substantially. Larger premium reductions will be automatically applied at the time of purchase, but less common discounts must be inquired about prior to getting the savings.

  • Resident Student – Any of your kids living away from home attending college and don’t have a car can be insured at a reduced rate.
  • Service Members Pay Less – Being on active duty in the military can result in better rates.
  • Homeowners Pay Less – Owning a home can save you money due to the fact that maintaining a home demonstrates responsibility.
  • Discount for Good Grades – A discount for being a good student can get you a discount of up to 25%. The good student discount can last well after school through age 25.
  • Federal Government Employee – Simply working for the federal government could cut as much as 10% off on Avenger coverage with certain companies.
  • Defensive Driving Course – Taking a driver safety course could save 5% or more and easily recoup the cost of the course.
  • Memberships – Belonging to certain professional organizations may earn a discount on car insurance on Avenger coverage.
  • E-sign – A few companies may give you up to $50 for buying your policy over the internet.

Drivers should understand that most credits do not apply to all coverage premiums. Most cut specific coverage prices like comp or med pay. Just because it seems like all those discounts means the company will pay you, companies don’t profit that way. Any amount of discount will help reduce the cost of coverage.

Insurance companies that may have some of the above discounts include:

Before buying, ask each insurance company which discounts you may be entitled to. Discounts might not be offered in every state.

When should I use an insurance agent?

When it comes to buying adequate coverage, there isn’t really a best way to insure your cars. Your needs are not the same as everyone else’s so this has to be addressed. Here are some questions about coverages that might help in determining if your situation might need professional guidance.

  • Do I need added coverage for expensive stereo equipment?
  • What is the ISO rating for a 1996 Dodge Avenger?
  • Will my vehicle be repaired with OEM or aftermarket parts?
  • What vehicles should carry emergency assistance coverage?
  • Do I need medical payments coverage since I have good health insurance?
  • When should I not file a claim?
  • Can my teen drive my company car?
  • Am I covered by my spouse’s policy after a separation?

If you’re not sure about those questions, then you may want to think about talking to an insurance agent. If you want to speak to an agent in your area, take a second and complete this form or go to this page to view a list of companies.

The coverage is in the details

Knowing the specifics of a car insurance policy can help you determine which coverages you need and proper limits and deductibles. Policy terminology can be ambiguous and nobody wants to actually read their policy. These are typical coverages offered by car insurance companies.

Insurance for medical payments

Medical payments and Personal Injury Protection insurance provide coverage for immediate expenses like funeral costs, EMT expenses and chiropractic care. They are often used in conjunction with a health insurance program or if you lack health insurance entirely. They cover all vehicle occupants as well as any family member struck as a pedestrian. PIP is not universally available and gives slightly broader coverage than med pay

Uninsured Motorist or Underinsured Motorist insurance

Your UM/UIM coverage protects you and your vehicle’s occupants when other motorists either have no liability insurance or not enough. Covered claims include 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 liability coverage can quickly be exhausted. So UM/UIM coverage is important protection for you and your family. Most of the time the UM/UIM limits do not exceed the liability coverage limits.

Liability car insurance

This coverage will cover damages or injuries you inflict on people or other property that is your fault. It protects you from claims by other people. It does not cover your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see values of 100/300/100 that translate to $100,000 bodily injury coverage, a total of $300,000 of bodily injury coverage per accident, and $100,000 of coverage for damaged propery. Alternatively, you may have one number which is a combined single limit which limits claims to one amount rather than limiting it on a per person basis.

Liability can pay for things such as repair bills for other people’s vehicles, structural damage and emergency aid. The amount of liability coverage you purchase is a personal decision, but buy as much as you can afford.

Collision coverage

Collision insurance covers damage to your Avenger caused by collision with an object or car. A deductible applies then your collision coverage will kick in.

Collision can pay for claims like hitting a parking meter, rolling your car, scraping a guard rail and colliding with a tree. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from lower value vehicles. It’s also possible to increase the deductible in order to get cheaper collision rates.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance coverage covers damage caused by mother nature, theft, vandalism and other events. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive can pay for claims such as a broken windshield, damage from a tornado or hurricane, hitting a deer, falling objects and fire damage. The most your car insurance company will pay is the cash value of the vehicle, so if the vehicle is not worth much consider dropping full coverage.

Cheaper insurance is a realistic goal

Throughout this article, we presented quite a bit of information on how to save on 1996 Dodge Avenger insurance. It’s most important to understand that the more times you quote, the higher your chance of finding lower rates. Drivers may discover the lowest priced car insurance comes from some of the smallest insurance companies. Smaller companies often have lower prices on specific markets compared to the large companies like Progressive and Geico.

Low-cost insurance can be bought on the web and also from your neighborhood agents, and you should compare price quotes from both in order to have the best chance of saving money. A few companies may not provide online quoting and these small, regional companies work with independent agents.

Even more information is available at these sites: