2009 Dodge Avenger Insurance Quotes – 8 Discounts for Best Rates

Trying to find cheaper car insurance rates for your Dodge Avenger? If you’ve never shopped for car insurance online, it’s easy to be confused by the hoards of car insurance companies all offering big savings.

It’s important to do rate comparisons every six months because prices change frequently. Just because you had the best rates on Avenger insurance a year ago there may be better deals available now. Forget all the misinformation about car insurance because you’re about to find out the fastest way to get good coverage at a lower rate.

If you currently have a car insurance policy, you will be able to cut costs considerably using this information. This information will familiarize you with the most effective way to quote insurance and some money-saving tips. But vehicle owners must comprehend how companies compete online and apply this information to your search.

Comprehensive Auto Insurance Comparison

When shopping for auto insurance there are multiple ways of comparing price quotes and find the best price. By far the easiest way to find competitive 2009 Dodge Avenger insurance rates consists of shopping online. This can be done in a couple of different ways.

  1. One of the simplest ways to get quotes is to use a rate comparison form click here to open form in new window. This easy form keeps you from doing a different quote for each company you want a rate for. In just a few minutes this one form will return quotes from many national carriers. Just one form and you’re done.
  2. A different way to shop for auto insurance online consists of visiting each company website to complete a price quote. For sake of this example, we’ll assume you want to compare rates from Progressive, Geico and Travelers. To get rate quotes you would need to take the time to go to each site and enter your information, and that’s why the first method is more popular.

    For a list of links to insurance companies in your area, click here.

  3. The least efficient way to get comparison rates is to spend your day driving to insurance agents’ offices. Buying insurance online has reduced the need for local agents unless you want the professional guidance that only a license agent can provide. You can, however, obtain prices from the web but buy from a local insurance agent and we’ll touch on that later.

However you get your quotes, ensure you’re using apples-to-apples coverage information for each comparison quote. If you enter different liability limits you can’t possibly decipher which rate is best. Quoting even small variations in coverages can result in a big premium difference. It’s important to know that getting more free quotes provides better odds of finding the best rates.

Auto insurance ads bend the truth

Companies like Allstate, Geico and Progressive constantly bombard you with ads on television and other media. All the ads say the same thing that you’ll save big if you switch to their company. How does each company say the same thing?

All companies have a preferred profile for the type of driver that makes them money. An example of a desirable insured could possibly be over the age of 40, has no driving citations, and has great credit. A customer getting a price quote who fits that profile will get the preferred rates and is almost guaranteed to save when they switch companies.

Drivers who don’t measure up to this ideal profile will have to pay higher premiums and this can result in the driver buying from a lower-cost company. The ads say “customers who switch” not “people who quote” save money. That’s the way companies can state the savings. Because of the profiling, you need to get as many comparisons as possible. You cannot predict which company will have the lowest Dodge Avenger insurance rates.

Pay less by taking advantage of these eight discounts

Car insurance companies don’t always advertise all available discounts in an easy-to-find place, so we break down both the well known as well as the least known discounts you could be receiving.

  • Homeowners Discount – Owning a home may trigger a auto insurance policy discount because of the fact that having a home demonstrates responsibility.
  • Discounts for Safe Drivers – Safe drivers can pay as much as 50% less on Avenger insurance than drivers with accidents.
  • New Vehicle Savings – Insuring a new car can cost up to 25% less since new cars are generally safer.
  • Multi-car Discount – Insuring more than one vehicle on one policy can get a discount on all vehicles.
  • Auto/Life Discount – Select insurance companies reward you with lower rates if you buy a life insurance policy as well.
  • Braking Control Discount – Cars that have steering control and anti-lock brakes prevent accidents and earn discounts up to 10%.
  • Payment Method – If you pay your bill all at once instead of paying each month you can actually save on your bill.
  • No Charge for an Accident – A handful of insurance companies allow you one accident before raising your premiums so long as you haven’t had any claims for a certain period of time.

It’s important to understand that most of the big mark downs will not be given the the whole policy. Some only apply to specific coverage prices like physical damage coverage or medical payments. So even though they make it sound like you can get free auto insurance, you’re out of luck.

Companies that may offer some of the above discounts include:

Before buying, ask every prospective company what discounts are available to you. All car insurance discounts might not be offered in your area.

Your coverage should be tailored to you

When it comes to buying coverage for your vehicles, there really is no one size fits all plan. Every situation is different.

These are some specific questions may help you determine whether or not you would benefit from an agent’s advice.

  • Can I afford to pay high deductible claims out of pocket?
  • Do I need PIP coverage since I have good health insurance?
  • Why am I required to buy high-risk coverage?
  • Does coverage extend to a rental car in a foreign country?
  • What exactly is covered by my policy?
  • When do I need to add a new car to my policy?
  • Do I have coverage for damage caused while driving under the influence?
  • Should I buy only the required minimum liability coverage?
  • Am I covered by my spouse’s policy after a separation?

If you can’t answer these questions but you know they apply to you, you might consider talking to an insurance agent. If you want to speak to an agent in your area, take a second and complete this form.

Specific coverages for a 2009 Dodge Avenger

Understanding the coverages of your policy helps when choosing the right coverages for your vehicles. The terms used in a policy can be ambiguous and nobody wants to actually read their policy.

Coverage for medical expenses – Medical payments and Personal Injury Protection insurance reimburse you for short-term medical expenses such as nursing services, surgery, prosthetic devices and chiropractic care. They are used in conjunction with a health insurance program or if you lack health insurance entirely. It covers both the driver and occupants in addition to any family member struck as a pedestrian. Personal injury protection coverage is not available in all states but it provides additional coverages not offered by medical payments coverage

Comprehensive insurance – Comprehensive insurance coverage pays for damage that is not covered by collision coverage. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for claims like rock chips in glass, hitting a bird, hail damage and damage from getting keyed. The maximum payout a insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Coverage for uninsured or underinsured drivers – Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other motorists when they either have no liability insurance or not enough. It can pay for injuries to you and your family and also any damage incurred to your 2009 Dodge Avenger.

Since many drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important.

Collision coverages – This covers damage to your Avenger resulting from a collision with an object or car. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for things such as driving through your garage door, hitting a mailbox, crashing into a building, colliding with a tree and hitting a parking meter. This coverage can be expensive, so consider removing coverage from vehicles that are 8 years or older. It’s also possible to bump up the deductible to save money on collision insurance.

Liability auto insurance – Liability insurance provides protection from injuries or damage you cause to other’s property or people that is your fault. This insurance protects YOU against claims from other people. Liability doesn’t cover your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show limits of 50/100/50 which stand for a limit of $50,000 per injured person, a limit of $100,000 in injury protection per accident, and property damage coverage for $50,000.

Liability coverage protects against claims such as medical services, funeral expenses, loss of income, legal defense fees and pain and suffering. How much coverage you buy is your choice, but you should buy as large an amount as possible.

Make a quick buck

Lower-priced 2009 Dodge Avenger insurance can be found online and with local insurance agents, and you should compare price quotes from both so you have a total pricing picture. A few companies do not offer online quoting and these small insurance companies work with independent agents.

Throughout this article, we presented quite a bit of information on how to get a better price on insurance. The most important thing to understand is the more providers you compare, the better your comparison will be. You may even discover the lowest rates come from the least-expected company.

People change insurance companies for a number of reasons such as poor customer service, extreme rates for teen drivers, denial of a claim and not issuing a premium refund. It doesn’t matter why you want to switch choosing a new company is easier than you think.

Even more information can be found by following these links: