Compare 1998 Dodge Avenger Insurance Quotes

I can’t think of anyone who likes paying for insurance, particularly when the cost is too high. Companies like Geico, Farmers Insurance and State Farm promote their brand names with catchy ads and consumers find it hard to separate fact from fiction and take the time to shop coverage around.

It’s important to compare rates quite often because rates are variable and change quite frequently. Despite the fact that you may have had the lowest price on Avenger coverage a few years ago there is a good chance you can find better rates now. So just ignore everything you know about insurance because you’re going to learn the fastest way to remove unneeded coverages and save money.

If you have a policy now or need a new policy, you can follow these tips to cut your premiums while maximizing coverage. Buying car insurance is not that difficult. Drivers just need to understand the tricks to compare rates online.

Free Quotes for Insurance

Shopping for lower insurance rates can be a lot of work if you don’t understand the most efficient way to do it. You can spend countless hours driving to agents in your area, or you can utilize online quotes to get rate comparisons in just a few minutes.

All the larger companies belong to a marketplace where insurance shoppers enter their policy data once, and at least one company returns a competitive quote based on that information. This prevents consumers from doing quote requests to each company. To participate in this free quote system, click here to start a free quote.

The one disadvantage to getting quotes like this is you are unable to specify the insurers to get quotes from. If you prefer to choose from a list of companies to compare, we have a listing of insurance companies in your area. Click here for list of insurance companies.

It doesn’t matter which method you choose, just ensure you’re using identical coverages and limits with every price quote. If you compare unequal deductibles or liability limits it will be very difficult to determine the best price for your Dodge Avenger.

Don’t overlook these discounts

Companies offering auto insurance don’t always list all their discounts very clearly, so we researched some of the best known and the more hidden auto insurance savings. If you’re not getting every credit available, you are paying more than you should be.

  • Anti-theft Discount – Anti-theft and alarm systems prevent vehicle theft and therefore earn up to a 10% discount.
  • Accident Waiver – Some insurance companies will forgive one accident without raising rates so long as you haven’t had any claims for a certain period of time.
  • Drivers Education – Have your child complete a driver education course if offered at their school.
  • College Student – Kids in college living away from home attending college and do not have a car can receive lower rates.
  • Claim Free – Claim-free drivers can earn big discounts compared to frequent claim filers.
  • Driver Safety – Successfully completing a defensive driving course could save 5% or more depending on where you live.
  • Memberships – Affiliation with certain professional organizations may earn a discount when buying auto insurance on Avenger coverage.

It’s important to understand that most discount credits are not given to the entire cost. A few only apply to specific coverage prices like comp or med pay. Just because you may think all the discounts add up to a free policy, auto insurance companies aren’t that generous.

Car insurance companies that may have some of the above discounts are:

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

Is my situation unique?

When it comes to buying adequate coverage, there is no “perfect” insurance plan. Coverage needs to be tailored to your specific needs and a cookie cutter policy won’t apply. For instance, these questions can help discover whether your personal situation would benefit from professional advice.

  • How do I buy GAP insurance?
  • Is my cargo covered for damage or theft?
  • Am I getting all the discounts available?
  • Do I need higher collision deductibles?
  • How does medical payments coverage work?
  • Am I covered if I hit a deer?
  • How much underlying liability do I need for an umbrella policy?
  • Is a fancy paint job covered?
  • What vehicles should carry emergency assistance coverage?

If you’re not sure about those questions but you know they apply to you then you might want to talk to an agent. To find an agent in your area, take a second and complete this form or click here for a list of car insurance companies in your area. It’s fast, free and can provide invaluable advice.

Elements that influence Dodge Avenger insurance rates

Smart consumers have a good feel for some of the elements that play a part in calculating insurance rates. Knowing what controls the rates you pay empowers consumers to make smart changes that will entitle you to lower insurance prices.

  • Drive less and save money – Driving more miles each year the higher your rates will be. Almost all companies rate vehicles based on how the vehicle is used. Vehicles used primarily for pleasure use qualify for better rates than vehicles that are driven to work every day. An improperly rated Avenger may be wasting your money. Double check that your insurance coverage properly reflects the proper vehicle usage.
  • Protect yourself with liability coverage – Liability coverage is the coverage that protects you when a court rules you are at fault for damages from an accident. Liability insurance provides legal defense starting from day one. Liability insurance is quite affordable when compared with rates for comp and collision, so do not cut corners here.
  • Bad driving skills means higher rates – Just one moving violation can increase rates by twenty percent. Good drivers receive lower rates than people who have multiple driving citations. Drivers who have severe citations like DWI, reckless driving or hit and run convictions may need to submit a SR-22 or proof of financial responsibility with the DMV in their state in order to drive a vehicle legally.
  • More than one policy can earn a discount – Most companies will award you with lower prices to customers who buy several policies from them, otherwise known as a multi-policy discount. If you currently are using one company, you may still want to shop around to confirm you are receiving the best rates possible. You may still be able to find a better deal by buying insurance from a different company.
  • Rates may be lower depending on your job – Did you know your insurance rates can be affected by your occupation? Careers like judges, architects and accountants tend to pay higher rates than average in part from high stress and lengthy work days. On the flip side, occupations such as actors, athletes and homemakers have the lowest average rates on Avenger coverage.
  • Equipment add-ons that lower insurance rates – Purchasing a vehicle that has an advanced theft prevention system can help lower your rates. Theft prevention devices such as vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems all aid in stopping auto theft.
  • Males pay more for insurance – Statistics have proven women tend to be less risk to insure than men. Now that doesn’t mean men are worse drivers. Men and women tend to get into accidents at about the same rate, but the males tend to have more serious accidents. They also get cited for more serious violations like reckless driving and DUI.

Switch companies and save? Really?

Drivers can’t ignore all the ads for car insurance savings from companies such as State Farm, Allstate and Geico. All the ads make an identical promise that you’ll save big if you change your policy.

How can each company say the same thing? This is how they do it.

All the different companies are able to cherry pick for the driver they prefer to insure. For instance, a driver they prefer could be between the ages of 30 and 50, is a homeowner, and has excellent credit. A propective insured that hits that “sweet spot” will get very good rates and therefore will save when switching.

Potential insureds who are not a match for these standards will be quoted higher prices which usually ends up with business not being written. The ads state “people who switch” but not “drivers who get quotes” save that much money. That’s why companies can advertise the way they do. This emphasizes why it is so important to quote coverage with many companies. It’s not possible to predict which auto insurance company will fit your personal profile best.

Specific coverage details

Understanding the coverages of your insurance policy can be of help when determining the right coverages at the best deductibles and correct limits. Insurance terms can be confusing and coverage can change by endorsement. Listed below are the normal coverages available from insurance companies.

Coverage for liability

Liability insurance can cover damages or injuries you inflict on other’s property or people by causing an accident. This coverage protects you against other people’s claims, and doesn’t 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 limits of 25/50/25 that translate to $25,000 in coverage for each person’s injuries, a per accident bodily injury limit of $50,000, and property damage coverage for $25,000.

Liability can pay for things such as attorney fees, legal defense fees, funeral expenses, repair bills for other people’s vehicles and bail bonds. How much liability should you purchase? That is a decision to put some thought into, but you should buy as high a limit as you can afford.

Comprehensive auto coverage

This will pay to fix damage OTHER than collision with another vehicle or object. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against claims like theft, hitting a bird, damage from a tornado or hurricane, a tree branch falling on your vehicle and hail damage. The maximum amount you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This protects you and your vehicle’s occupants when the “other guys” 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.

Since many drivers only carry the minimum required liability limits, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

Medical payments and PIP coverage

Coverage for medical payments and/or PIP provide coverage for expenses for hospital visits, surgery, chiropractic care, doctor visits and ambulance fees. They are often used to cover expenses not covered by your health insurance plan or if you do not have health coverage. Coverage applies to you and your occupants and will also cover getting struck while a pedestrian. PIP is not an option in every state and gives slightly broader coverage than med pay

Collision coverage

This will pay to fix damage to your Avenger resulting from colliding with another vehicle or an object, but not an animal. A deductible applies then your collision coverage will kick in.

Collision can pay for things such as sideswiping another vehicle, scraping a guard rail, driving through your garage door and rolling your car. This coverage can be expensive, so consider dropping it from vehicles that are 8 years or older. It’s also possible to increase the deductible to bring the cost down.

A penny saved is a penny earned

We just showed you a lot of ways to reduce 1998 Dodge Avenger insurance prices online. It’s most important to understand that the more you quote, the better your chances of lowering your rates. You may be surprised to find that the best price on insurance coverage is with a lesser-known regional company. They may often insure only within specific states and give getter rates than the large multi-state companies such as State Farm, Geico and Nationwide.

Budget-conscious insurance can be found from both online companies as well as from independent agents, and you should compare price quotes from both in order to have the best price selection to choose from. A few companies don’t offer online price quotes and these small insurance companies work with independent agents.

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