How Much Does 2010 Dodge Avenger Insurance Cost?

Locating low-cost insurance for your Dodge Avenger can turn out to be difficult, but you can use the following methods to save time.

There is a better way to compare car insurance rates so you’re going to learn the quickest way to compare rates on a Dodge and find the cheapest rates from local insurance agents and online providers.

Pricing the lowest cost protection can be fairly easy. If you have a policy now or need a new policy, you can use these techniques to shop for the lowest rates and possibly find even better coverage. Drivers just need to know the proper methods to compare prices over the internet.

How to Lower Your Insurance Coverage Cost

Performing a rate comparison can be a lot of work if you don’t know the fastest way to get free quotes. You could waste a few hours talking about coverages with insurance companies in your area, or you can stay home and use online quotes to maximize your effort.

The majority of car insurance companies participate in a marketplace that allows shoppers to submit one quote, and at least one company then returns a price quote determined by their information. This system prevents you from having to do repetitive form submissions for every insurance coverage company. To find out how much you can save on insurance coverage click to open in new window.

The single downside to using this type of form is you can’t choose the insurers you want pricing from. So if you prefer to choose individual companies to request quotes from, we have a page of insurance coverage companies in your area. Click here for list of insurance companies.

Which method you use is up to you, but compare the exact same coverages and limits with every price quote. If you are comparing differing limits it’s not possible to determine which rate is truly the best.

The fine print in car insurance ads

Consumers can’t ignore all the ads for car insurance savings by Allstate and Progressive. They all seem to make an identical promise of big savings if you move to their company.

But how can every company make the same claim? It’s all in the numbers.

Insurance companies have a certain “appetite” for the right customer that makes them money. A good example of a driver they prefer might be profiled as over the age of 50, has no tickets, and chooses high deductibles. Any new insured who meets those qualifications will get very good rates and most likely will save a lot of money.

Potential customers who don’t qualify for the “perfect” profile will have to pay a more expensive rate which leads to the driver buying from a lower-cost company. The ads state “customers who switch” not “everyone that quotes” save money. This is how insurance companies can make those claims.

Because of the profiling, it is so important to get quotes from several different companies. You cannot predict which company will have the lowest Dodge Avenger insurance rates.

What determines your Dodge Avenger insurance premium

Smart consumers have a good feel for the rating factors that play a part in calculating the price you pay for insurance coverage. Understanding what influences your rates allows you to make educated decisions that may reward you with much lower annual insurance costs.

  • Don’t get talked into coverage you don’t need – There are a lot of extra coverages that you can buy if you aren’t careful. Insurance for vanishing deductibles, towing coverage and motor club memberships are examples of these. They may seem like a good idea when you first buy your policy, but if you don’t need them eliminate the coverages to reduce your premium.
  • Save money with special equipment – Purchasing a vehicle that has an advanced theft prevention system can save you a little every year. Anti-theft devices such as GM’s OnStar, tamper alarm systems and vehicle immobilizers all aid in stopping auto theft.
  • How your age affects price – Teen drivers have a tendency to be careless and easily distracted when behind the wheel so they pay higher insurance coverage rates. Older insureds are more cautious drivers, file fewer claims and receive fewer citations.
  • Do men or women drive better? – Statistics show women are more cautious behind the wheel. Now that doesn’t mean women are BETTER drivers than men. They both have accidents in similar percentages, but men tend to have more serious accidents. Men also get more serious tickets like DUI and reckless driving.
  • Traffic violations increase rates – Your driving citation history has a huge affect on how much you pay. Drivers with clean records tend to pay less for car insurance than bad drivers. Even a single moving violation may increase your cost by twenty percent. Drivers who have serious citations like hit and run, DWI or reckless driving convictions may need to file a SR-22 to the state department of motor vehicles in order to continue driving.
  • Multi-policy discounts can save money – Some insurers will award you with lower prices to policyholders who buy several policies from them such as combining an auto and homeowners policy. Discounts can be five, ten or even twenty percent. Even with this discount, you may still want to compare rates to verify if the discount is saving money.

How to reduce 2010 Dodge Avenger insurance rates

The price of auto insurance can be rather high, but you can get discounts to help bring down the price. Certain discounts will be triggered automatically at the time of purchase, but some may not be applied and must be inquired about prior to receiving the credit. If you’re not getting every credit possible, you are paying more than you should be.

  • More Vehicles More Savings – Insuring multiple cars or trucks on the same insurance coverage policy could earn a price break for each car.
  • Homeowners Discount – Owning a house can save you money because of the fact that having a home shows financial diligence.
  • Government Employees – Simply working for the federal government may qualify you for a discount on Avenger coverage with a few insurance coverage companies.
  • Driver Safety – Taking part in a defensive driving course can save you 5% or more depending on where you live.
  • Safe Driver Discount – Drivers who avoid accidents may save up to 50% more on Avenger coverage than drivers with accidents.
  • Air Bag Discount – Vehicles with factory air bags or motorized seat belts may earn rate discounts of 20% or more.

Keep in mind that most discounts do not apply the the whole policy. Some only reduce individual premiums such as comp or med pay. So when it seems like all the discounts add up to a free policy, you won’t be that lucky. Any amount of discount will cut your overall premium however.

For a list of companies offering insurance coverage discounts, click this link.

Tailor your coverage to you

When choosing coverage, there really is no “best” method to buy coverage. Everyone’s situation is unique.

For instance, these questions may help highlight if you may require specific advice.

  • How much liability coverage do I need in my state?
  • Are rock chip repairs covered?
  • What is the ISO rating for a 2010 Dodge Avenger?
  • Do I need added coverage for expensive stereo equipment?
  • Am I better off with higher deductibles on my 2010 Dodge Avenger?
  • Is my teenager covered with friends in the car?
  • Can my babysitter drive my car?
  • Am I covered by my spouse’s policy after a separation?

If it’s difficult to answer those questions but a few of them apply, then you may want to think about talking to a licensed agent. If you don’t have a local agent, simply complete this short form. It’s fast, free and may give you better protection.

Educate yourself about insurance coverages

Understanding the coverages of a insurance policy can be of help when determining the right coverages at the best deductibles and correct limits. Insurance terms can be ambiguous and reading a policy is terribly boring.

Collision coverage – This coverage pays to fix your vehicle from damage resulting from a collision with a stationary object or other vehicle. You will need to pay your deductible and then insurance will cover the remainder.

Collision coverage protects against claims such as driving through your garage door, colliding with another moving vehicle and rolling your car. Collision coverage makes up a good portion of your premium, so consider dropping it from older vehicles. Drivers also have the option to bump up the deductible to bring the cost down.

Uninsured and underinsured coverage – This provides protection when the “other guys” do not carry enough liability coverage. It can pay for injuries to you and your family as well as damage to your 2010 Dodge Avenger.

Because many people carry very low liability coverage limits, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family. Frequently these limits are set the same as your liablity limits.

Coverage for liability – Liability insurance protects you from damage that occurs to a person or their property that is your fault. This insurance protects YOU against claims from other people, and 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. You commonly see limits of 50/100/50 that means you have $50,000 in coverage for each person’s injuries, $100,000 for the entire accident, and property damage coverage for $50,000. Another option is one limit called combined single limit (CSL) which provides one coverage limit with no separate limits for injury or property damage.

Liability coverage protects against things like medical services, medical expenses and attorney fees. How much coverage you buy is your choice, but consider buying as high a limit as you can afford.

Coverage for medical payments – Med pay and PIP coverage provide coverage for bills for doctor visits, dental work, nursing services, funeral costs and ambulance fees. They can be used to fill the gap from your health insurance plan or if you are not covered by health insurance. Coverage applies to both the driver and occupants in addition to if you are hit as a while walking down the street. PIP is only offered in select states and may carry a deductible

Comprehensive coverages – This coverage pays to fix your vehicle from 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 things like vandalism, fire damage and hail damage. The maximum amount you’ll receive from a claim is the ACV or actual cash value, so if it’s not worth much more than your deductible consider dropping full coverage.

Save for a rainy day

When buying insurance coverage, it’s not a good idea to buy lower coverage limits just to save a few bucks. In many cases, someone sacrificed uninsured motorist or liability limits and discovered at claim time that the few dollars in savings costed them thousands. The aim is to buy a smart amount of coverage at the best price.

Cost effective 2010 Dodge Avenger insurance can be found both online and also from your neighborhood agents, and you need to comparison shop both so you have a total pricing picture. Some insurance providers may not provide the ability to get a quote online and usually these small insurance companies provide coverage only through local independent agents.

Throughout this article, we presented many ideas to compare insurance prices online. It’s most important to understand that the more rate quotes you have, the better chance you’ll have of finding lower rates. You may be surprised to find that the biggest savings come from a smaller regional carrier.

Additional articles