Cheap 1997 Dodge Avenger Insurance Rates

Trying to find better insurance coverage rates for your Dodge Avenger? Scraping up a payment for overpriced Dodge Avenger insurance can take a big chunk out of your checking account and force you to make sacrifices. Shopping your coverage around is a smart way to lower your monthly bill.

Many car insurance companies compete to insure your vehicles, and it can be difficult to compare rates and uncover the absolute lowest cost out there.

It’s smart to price shop coverage quite often due to the fact that insurance rates go up and down regularly. Despite the fact that you may have had the best price for Avenger coverage two years ago other companies may now be cheaper. There is a lot of wrong information about insurance coverage online, so I’m going to show you the best ways to find cheap insurance coverage.

Parts of the Dodge Avenger rate equation

It’s important that you understand the rating factors that go into determining insurance coverage rates. Knowing what influences your rates enables informed choices that can help you get better insurance coverage rates.

Listed below are some of the items insurance coverage companies consider when setting your rates.

  • Do you know your deductibles? – The deductibles define the amount you are willing to pay out-of-pocket in the event of a claim. Physical damage insurance, otherwise known as comp (or other than collision) and collision, is used to repair damage to your car. Some examples of claims that would be covered could be running into the backend of another car, damage from fire, and burglary. The more the insured has to pay upfront, the less your insurance coverage will be for Avenger coverage.
  • Proper usage rating affects rates – The more you drive in a year the more you will pay for insurance coverage. Almost all companies price each vehicle’s coverage based upon how you use the vehicle. Autos not used for work or commuting can get a lower rate compared to those used for work or business. If your policy improperly rates your Avenger may be wasting your money. Ask your agent if your insurance coverage policy shows the correct driver usage, because it can save money.
  • Do you have enough liability coverage? – Liability coverage is the coverage that protects you if a jury decides you are liable for causing damage or personal injury in an accident. It provides legal defense starting from day one. Carrying liability coverage is mandatory and cheap when compared with rates for comp and collision, so drivers should carry high limits.
  • Choose a safe vehicle and save – Vehicles with high crash test scores are cheaper to insure. Safe vehicles result in less severe injuries and lower injury rates translates into fewer and smaller insurance claims and lower rates for you. If your Dodge earned at least four stars on Safercar.gov it may be receiving lower rates.
  • Marriage pays dividends – Being married can get you a discount on your insurance coverage policy. Having a spouse usually means you are more mature and responsible it has been statistically shown that being married results in fewer claims.
  • High numbers of claims are not good – Insurance companies award discounts to policyholders who file claims infrequently. If you are a frequent claim filer, you can pretty much guarantee either higher rates or even cancellation. Insurance coverage is designed for the bigger claims that can’t be paid out-of-pocket.

Don’t overlook these discounts

Companies that sell car insurance don’t necessarily list every discount in an easy-to-find place, so here is a list both well-publicized as well as the least known ways to save on insurance coverage.

  • Clubs and Organizations – Being a member of a professional or civic organization could trigger savings when buying insurance coverage for Avenger coverage.
  • Defensive Driving Course – Taking part in a course teaching defensive driving skills could possibly earn you a 5% discount depending on where you live.
  • Paperless Signup – A few companies may give you up to $50 for buying your policy digitally online.
  • Passive Restraints and Air Bags – Vehicles with factory air bags can get savings up to 30%.
  • Multiple Cars – Buying coverage for all your vehicles on one policy can get a discount on all vehicles.
  • New Vehicle Savings – Buying coverage on a new vehicle is cheaper since new cars are generally safer.
  • Auto/Life Discount – Some companies give lower rates if you buy a life insurance policy as well.
  • Use Seat Belts – Drivers who require all occupants to buckle their seat belts can save up to 15% off your PIP or medical payments premium.
  • Anti-lock Brake Discount – Anti-lock brake equipped vehicles prevent accidents and earn discounts up to 10%.

As a disclaimer on discounts, most of the big mark downs will not be given to your bottom line cost. Some only apply to the price of certain insurance coverages like liability and collision coverage. So even though they make it sound like adding up those discounts means a free policy, insurance coverage companies aren’t that generous.

Car insurance companies that may offer these money-saving discounts include:

Before buying, ask each insurance company how you can save money. Some discounts might not be offered in your state.

Is my situation unique?

When buying adequate coverage, there isn’t really a single plan that fits everyone. Coverage needs to be tailored to your specific needs so your insurance should reflect that Here are some questions about coverages that can help discover if you might need professional guidance.

  • Does my policy cover my teen driver if they drive my company car?
  • If I drive on a suspended license am I covered?
  • Does my policy cover me when driving someone else’s vehicle?
  • Are all vehicle passengers covered by medical payments coverage?
  • Does insurance cover tools stolen from my truck?
  • Does my car insurance cover rental cars?
  • Is borrowed equipment or tools covered if stolen or damaged?

If you don’t know the answers to these questions but a few of them apply, you might consider talking to an insurance agent. To find an agent in your area, complete this form or go to this page to view a list of companies.

Car insurance coverage information

Having a good grasp of a car insurance policy helps when choosing which coverages you need for your vehicles. Policy terminology can be ambiguous and even agents have difficulty translating policy wording. Shown next are typical coverage types offered by car insurance companies.

Comprehensive coverage

Comprehensive insurance coverage covers damage OTHER than collision with another vehicle or object. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive can pay for claims such as theft, fire damage, a tree branch falling on your vehicle, a broken windshield and rock chips in glass. The most a car insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle is not worth much consider dropping full coverage.

Collision coverage

This will pay to fix damage to your Avenger resulting from a collision with another vehicle or an object, but not an animal. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against claims such as damaging your car on a curb, crashing into a building and sustaining damage from a pot hole. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are older. Drivers also have the option to raise the deductible to get cheaper collision coverage.

Liability car insurance

Liability coverage can cover damages or injuries you inflict on other’s property or people by causing an accident. This coverage protects you from legal claims by others. It does not cover damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. Your policy might show policy limits of 50/100/50 that means you have $50,000 bodily injury coverage, a per accident bodily injury limit of $100,000, and a limit of $50,000 paid for damaged property.

Liability can pay for things such as structural damage, loss of income, bail bonds and attorney fees. How much liability should you purchase? That is a decision to put some thought into, but you should buy as much as you can afford.

Medical payments coverage and PIP

Medical payments and Personal Injury Protection insurance provide coverage for immediate expenses for nursing services, ambulance fees, doctor visits, hospital visits and dental work. They are utilized in addition to your health insurance program or if you do not have health coverage. Coverage applies to all vehicle occupants as well as any family member struck as a pedestrian. PIP is not universally available but it provides additional coverages not offered by medical payments coverage

Uninsured/Underinsured Motorist coverage

Your UM/UIM coverage provides protection when other motorists are uninsured or don’t have enough coverage. This coverage pays for medical payments for you and your occupants and damage to your Dodge Avenger.

Since a lot of drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. So UM/UIM coverage should not be overlooked.

Saving money is sweet as honey

When you buy insurance online, it’s not a good idea to skimp on coverage in order to save money. There are too many instances where someone sacrificed liability limits or collision coverage and discovered at claim time that a couple dollars of savings turned into a financial nightmare. The proper strategy is to buy enough coverage at the best price while not skimping on critical coverages.

We covered a lot of information how to save on 1997 Dodge Avenger insurance. It’s most important to understand that the more providers you compare, the more likely it is that you will get a better rate. You may even discover the best prices are with a company that doesn’t do a lot of advertising. Regional companies may often insure only within specific states and give getter rates compared to the large companies like State Farm, Geico and Nationwide.

More detailed car insurance information is located at these sites: