1999 Dodge Avenger Car Insurance Cost – 10 Savings Tips

Looking for lower auto insurance rates for your Dodge Avenger? Have you fallen victim to high-priced auto insurance? Believe me when I say many consumers feel financially strained by their auto insurance policy.

Lots of insurance companies contend to insure your vehicles, and because of this it can be hard to compare car insurance companies to find the lowest rate possible.

Consumers should take time to compare rates quite often because insurance rates change regularly. Just because you found the best deal on Avenger coverage last year the chances are good that you can find a lower rate today. There is a lot of bad advice regarding auto insurance online, so I’m going to show you some guaranteed methods to buy auto insurance cheaper.

If you currently have a car insurance policy, you stand a good chance to be able to save some money using this information. Finding affordable coverage is easy if you know what you’re doing. Nevertheless, drivers should learn how big insurance companies price insurance differently.

The easiest way to compare car insurance company rates is to know most larger insurance companies actually pay money for the chance to provide you with a free rate quote. The only thing you need to do is provide the companies a bit of rating information such as whether or not you need a SR-22, daily mileage, the make and model of your vehicles, and if you lease or own. Your details gets sent immediately to many different companies and you should receive rate quotes immediately.

To check rates for your Dodge Avenger , click here and enter your zip code.

How to save on Dodge Avenger insurance

Companies that sell car insurance don’t necessarily list all available discounts very clearly, so we break down some of the more common as well as the least known ways to save on insurance.

  • Senior Citizens – If you qualify as a senior citizen, you may qualify for better insurance rates on Avenger coverage.
  • Safety Course Discount – Taking part in a driver safety course could save 5% or more if you qualify.
  • Club Memberships – Belonging to certain professional organizations could trigger savings on insurance on Avenger coverage.
  • Discount for Good Grades – Performing well in school can earn a discount of 20% or more. This discount can apply up until you turn 25.
  • Federal Employees – Employees or retirees of the government could cut as much as 10% off on Avenger coverage with select insurance companies.
  • Discounts for Safe Drivers – Drivers who avoid accidents can pay as much as 50% less on Avenger coverage than their less cautious counterparts.
  • Anti-lock Brake Discount – Vehicles equipped with ABS or steering control can reduce accidents and earn discounts up to 10%.
  • Sign Online – Certain companies will discount your bill up to fifty bucks for buying your policy digitally online.
  • Seat Belt Usage – Using a seat belt and requiring all passengers to wear their seat belts can save 10% or more off the personal injury premium cost.
  • Early Signing – Some companies give discounts for switching policies before your current expiration date. This can save 10% or more.

As a disclaimer on discounts, most credits do not apply to the entire cost. Some only apply to individual premiums such as liability, collision or medical payments. So even though it sounds like adding up those discounts means a free policy, companies don’t profit that way.

Car insurance companies that possibly offer some of the above discounts include:

Before buying, ask each company how you can save money. Discounts might not apply everywhere.

Tailor your coverage to you

When it comes to choosing adequate coverage for your vehicles, there is no one size fits all plan. Coverage needs to be tailored to your specific needs and a cookie cutter policy won’t apply. These are some specific questions may help highlight if your insurance needs might need an agent’s assistance.

  • Does my policy pay for OEM or aftermarket parts?
  • Do I need rental car coverage?
  • Do I need higher collision deductibles?
  • Why do I only qualify for high-risk insurance?
  • Does my car insurance cover rental cars?
  • Is extra glass coverage worth it?

If it’s difficult to answer those questions but you think they might apply to your situation then you might want to talk to an agent. If you don’t have a local agent, complete this form or click here for a list of insurance companies in your area.

Car insurance 101

Understanding the coverages of your policy can be of help when determining the right coverages and proper limits and deductibles. The coverage terms in a policy can be ambiguous and nobody wants to actually read their policy. Listed below are the normal coverages found on most car insurance policies.

Collision protection

Collision coverage covers damage to your Avenger from colliding with an object or car. You first must pay a deductible then your collision coverage will kick in.

Collision insurance covers things like colliding with a tree, sustaining damage from a pot hole, crashing into a ditch, backing into a parked car and hitting a mailbox. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. You can also choose a higher deductible in order to get cheaper collision rates.

Uninsured/Underinsured Motorist (UM/UIM)

Your UM/UIM coverage protects you and your vehicle’s occupants from other drivers when they either are underinsured or have no liability coverage at all. It can pay for medical payments for you and your occupants as well as your vehicle’s damage.

Due to the fact that many drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is very important.

Med pay and Personal Injury Protection (PIP)

Medical payments and Personal Injury Protection insurance kick in for bills for rehabilitation expenses, doctor visits, funeral costs, X-ray expenses and dental work. They can be used to cover expenses not covered by your health insurance plan or if you are not covered by health insurance. Coverage applies to all vehicle occupants in addition to any family member struck as a pedestrian. PIP coverage is only offered in select states and may carry a deductible

Liability coverages

This coverage provides protection from damages or injuries you inflict on people or other property by causing an accident. Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. You commonly see values of 50/100/50 that translate to $50,000 bodily injury coverage, a limit of $100,000 in injury protection per accident, and $50,000 of coverage for damaged propery.

Liability coverage protects against things such as loss of income, court costs, repair bills for other people’s vehicles, funeral expenses and structural damage. How much liability coverage do you need? That is a decision to put some thought into, but consider buying as much as you can afford.

Comprehensive insurance

Comprehensive insurance pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive insurance covers things like hail damage, damage from getting keyed, vandalism and a broken windshield. The maximum amount a car insurance company will pay at claim time is the ACV or actual cash value, so if it’s not worth much more than your deductible consider dropping full coverage.

A tidy conclusion

Cheaper 1999 Dodge Avenger insurance is attainable from both online companies and also from your neighborhood agents, and you should be comparing both so you have a total pricing picture. A few companies may not provide you the ability to get quotes online and these small insurance companies work with independent agents.

As you go through the steps to switch your coverage, make sure you don’t buy less coverage just to save a little money. In too many instances, consumers will sacrifice liability limits or collision coverage and discovered at claim time they didn’t have enough coverage. Your aim should be to buy a smart amount of coverage for the lowest price while still protecting your assets.

In this article, we covered many tips how you can shop for insurance online. The key thing to remember is the more rate quotes you have, the higher your chance of finding lower rates. Consumers could even find that the lowest rates come from the least-expected company. They may only write in your state and offer lower rates as compared to the big name companies such as State Farm or Progressive.

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