How Much Does 2011 Dodge Avenger Car Insurance Cost?

Have you fallen victim to an overpriced insurance policy? Trust us, there are lots of people in the same boat.

Consumers have many insurers to buy insurance from, and even though it’s nice to be able to choose, having more car insurance companies makes it harder to compare company pricing.

You need to do rate comparisons once or twice a year since insurance rates are adjusted regularly by insurance companies. Just because you had the lowest rates for Avenger coverage on your last policy you can probably find a better price now. So just forget anything you know (or think you know) about insurance because you’re going to learn the best methods to remove unneeded coverages and save money.

Don’t overlook these discounts

Car insurance can cost a lot, but there are discounts available to cut the cost considerably. Most are applied when you quote, but less common discounts must be specially asked for before being credited.

  • Theft Prevention Discount – Vehicles with anti-theft systems can help prevent theft and will save you 10% or more.
  • Discount for Good Grades – A discount for being a good student can get you a discount of up to 25%. The good student discount can last until age 25.
  • One Accident Forgiven – A few companies will allow you to have one accident before your rates go up if your claims history is clear for a set time period.
  • Passive Restraint Discount – Vehicles with factory air bags may earn rate discounts of 20% or more.
  • Safe Drivers – Drivers who don’t get into accidents may save up to 50% more for Avenger coverage than less cautious drivers.
  • Pay Upfront and Save – If you pay your bill all at once instead of making monthly payments you could save up to 5%.

Consumers should know that most credits do not apply to the overall cost of the policy. Some only reduce the cost of specific coverages such as physical damage coverage or medical payments. Just because it seems like you would end up receiving a 100% discount, it doesn’t quite work that way. Any qualifying discounts will bring down the amount you have to pay.

Car insurance companies that may offer these discounts may include but are not limited to:

Check with every prospective company which discounts they offer. Savings may not be available in your state.

Which Insurance is Cheapest?

There are a lot of ways to shop for insurance, but there is one way that is less labor-intensive and much quicker. You can spend your afternoon driving to insurance companies in your area, or you can utilize online quotes to achieve your goal.

All the larger companies participate in a marketplace that enables customers to send in one quote, and each participating company can give them a price based on that data. This saves time by eliminating repetitive form submissions to each company.

To find out how much you can save on insurance click here to open in new window.

The single downside to using this type of form is you are unable to specify which providers you will receive quotes from. If you wish to select from a list of companies to compare rates, we have a page of low cost insurance companies in your area. Click here to view list.

It’s up to you how you get prices quotes, just make darn sure you compare the exact same deductibles and coverage limits for every quote you compare. If you compare different limits and deductibles on each one you will not be able to determine the best price for your Dodge Avenger. Having just a slight variation in coverages could mean much higher rates. And when price shopping your coverage, comparing a large number of companies will improve the odds of getting the best offered rates.

These factors can influence Dodge Avenger insurance rates

Consumers need to have an understanding of the different types of things that help determine car insurance rates. Knowing what controls the rates you pay empowers consumers to make smart changes that may reward you with big savings.

The following are a partial list of the pieces used by your company to calculate rates.

  • Men fork out a little more – Statistics show that men are more aggressive behind the wheel. Now that doesn’t mean women are better drivers. Women and men tend to get into accidents at a similar rate, but the male of the species tend to have more serious accidents. Men also tend to get cited for more serious violations such as DWI and reckless driving.
  • Your car’s features help determine rates – Driving a car with anti-theft technology or alarm system can help lower your rates. Anti-theft devices like vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems all hinder your car from being stolen.
  • Do you know you’re credit rating? – Having a bad credit rating is a important factor in determining what you pay for car insurance. Drivers who have high credit scores tend to be better drivers and file fewer claims as compared to drivers with lower credit ratings. Therefore, if your credit score can use some improvement, you could be paying less to insure your 2011 Dodge Avenger by repairing your credit.
  • Keep rates low by being claim-free – If you frequently file small claims, you can expect higher rates. Auto insurance companies generally give lower rates to drivers who are claim-free. Insurance coverage is meant to be used in the event of the bigger claims that can’t be paid out-of-pocket.

Is my situation unique?

When it comes to choosing adequate coverage for your vehicles, there is no cookie cutter policy. Coverage needs to be tailored to your specific needs so your insurance needs to address that. These are some specific questions might point out whether your personal situation would benefit from professional advice.

  • I have health insurance so do I need medical payments coverage?
  • Do I need an umbrella policy?
  • Is my business laptop covered if it gets stolen from my vehicle?
  • Do all my vehicles need collision coverage?
  • Is my cargo covered for damage or theft?
  • Does coverage extend to my business vehicle?
  • Do I have any recourse if my insurance company denies a claim?
  • Does my car insurance cover rental cars?

If you can’t answer these questions but you know they apply to you, you may need to chat with a licensed agent. To find lower rates from a local agent, simply complete this short form or you can also visit this page to select a carrier

Can you really save $476 a year?

Companies like Allstate, Geico and Progressive constantly bombard you with ads on TV and radio. All the ads make an identical promise that you can save if you switch your coverage to them. How does each company claim to save you money? It’s all in the numbers.

All the different companies have a certain “appetite” for the right customer that makes them money. For instance, a desirable insured could possibly be between 30 and 50, has no prior claims, and has a short commute. A customer who meets those qualifications will get very good rates and therefore will save when switching.

Potential insureds who don’t meet these standards will have to pay higher prices and ends up with business not being written. Company advertisements say “customers that switch” not “everybody who quotes” save that much money. That’s why companies can state the savings.

Because of the profiling, it is so important to compare many company’s rates. Because you never know which insurance coverage company will give you the biggest savings on Dodge Avenger insurance.

Car insurance specifics

Knowing the specifics of your car insurance policy helps when choosing the best coverages for your vehicles. Car insurance terms can be ambiguous and even agents have difficulty translating policy wording. These are typical coverages found on most car insurance policies.

Collision protection

Collision insurance pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. A deductible applies then the remaining damage will be paid by your insurance company.

Collision coverage protects against things like sideswiping another vehicle, crashing into a ditch, hitting a mailbox and damaging your car on a curb. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from older vehicles. Drivers also have the option to increase the deductible in order to get cheaper collision rates.

Uninsured/Underinsured Motorist coverage

This gives you protection from other drivers when they do not carry enough liability coverage. It can pay for injuries sustained by your vehicle’s occupants as well as damage to your Dodge Avenger.

Due to the fact that many drivers only purchase the least amount of liability that is required, their limits can quickly be used up. For this reason, having high UM/UIM coverages is important protection for you and your family. Frequently these coverages are set the same as your liablity limits.

Medical payments coverage and PIP

Personal Injury Protection (PIP) and medical payments coverage reimburse you for immediate expenses for dental work, surgery and rehabilitation expenses. They are used to cover expenses not covered by your health insurance program or if there is no health insurance coverage. Coverage applies to you and your occupants as well as being hit by a car walking across the street. Personal injury protection coverage is not universally available but it provides additional coverages not offered by medical payments coverage

Liability coverage

This coverage will cover damages or injuries you inflict on other’s property or people. It protects you against other people’s claims, and doesn’t cover your injuries or vehicle damage.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have values of 100/300/100 which stand for $100,000 in coverage for each person’s injuries, a total of $300,000 of bodily injury coverage per accident, and $100,000 of coverage for damaged propery. Alternatively, you may have one number which is a combined single limit which limits claims to one amount and claims can be made without the split limit restrictions.

Liability coverage pays for things such as structural damage, repair costs for stationary objects, medical expenses and repair bills for other people’s vehicles. The amount of liability coverage you purchase is your choice, but it’s cheap coverage so purchase as high a limit as you can afford.

Comprehensive coverage

This pays for 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 coverage pays for claims such as hitting a deer, falling objects, fire damage, vandalism and a tree branch falling on your vehicle. The highest amount your car insurance company will pay is the market value of your vehicle, so if the vehicle is not worth much consider dropping full coverage.

More quotes. Lower rates.

Throughout this article, we presented many ways to compare 2011 Dodge Avenger insurance prices online. The most important thing to understand is the more times you quote, the better likelihood of reducing your rate. You may even discover the best price on insurance is with a smaller regional carrier. Smaller companies may have significantly lower rates on certain market segments compared to the large companies like State Farm, Geico and Nationwide.

As you go through the steps to switch your coverage, do not skimp on critical coverages to save a buck or two. In many instances, consumers will sacrifice liability limits or collision coverage and learned later that the few dollars in savings costed them thousands. Your aim should be to purchase plenty of coverage for the lowest price, not the least amount of coverage.

Other articles