How to Insure your Dodge Avenger on the Cheap
If finding affordable car insurance was easy, most of us would take the time to do it. But more than likely, it's challenging for most people and we always end up paying more than we want. Insuring your Dodge Avenger is probably no exception.
Step One: Shop Around
The old-fashioned method of shopping for car insurance included visiting several local insurance agents and being on the receiving end of a hard sell tactic. Not anymore!
Almost every car insurance company now offers online quotes, and you can actually get insurance quotes for a Dodge Avenger without even visiting their websites!
To find affordable coverage for your Dodge Avenger, the first step is to click the link below and complete the short form.
Read this (it's important)! When doing any car insurance quote to compare rates to either your existing policy or to other quotes, it's important to use identical coverages on all quotes. Otherwise you will not be able to accurately determine which company has the lowest rate for your Avenger.
Step Two: How to Cut Costs on Avenger Insurance
After step one is complete, it's now time to analyze some of the other factors that can negatively impact car insurance rates for a Avenger.
- Consider taking a defensive driving course. You can often make up the cost of the course in as little as a single policy renewal.
- If you are a senior citizen or belong to a particular professional organization, you may qualify for a break on insurance.
- Teenage drivers can be very expensive to insure on newer vehicles will full coverage. You may be better off purchasing an older vehicle for your teenager and only insure it for liability.
- Claims that aren't much more than your deductible are better off just being paid out of pocket. If you get into a habit of filing smaller claims, you will pay for it in higher rates.
- How is your credit rating? The better credit you have, the less insurance will cost for your Avenger. If you have bad credit, work on improving your credit score and repair past credit problems.
- Homeowners often see a break on their car insurance rates because there is a correlation between owning a home and being a responsible driver.
- Consider using higher deductibles for physical damage coverages like comprehensive and collision. Higher deductibles save money since you're willing to pay more out-of-pocket at claim time.
- If your Dodge is equipped with safety features such as airbags, anti-lock brakes or a security system, insurance companies will often give a minor discount for those.
- If you have a speeding ticket or other moving violation, you could be charged more for insurance. If you get a ticket, find out if your county or state offers a defensive driving course that will void the ticket upon completion.
- Never allow one policy to expire without having a new policy effective the same date. This causes a lapse in coverage and if you don't have insurance for any length of time, your next policy will cost you more.
- For some reason, car theives target particular makes and models more than others. If your Avenger is on the list of the top stolen cars, you might want to install an extra theft deterrent system just to be safe.
Step Three: Choose a Company and Bind Coverage
You've compared rates and hopefully looked over the coverages for each vehicle on your policy to make sure they're adequate. Now you can make the big decision on which company will best fulfill your needs.
The key thing to keep in mind when buying a new policy is you do not want your old policy to lapse. Make sure the effective date of the new policy is on or before the expiration date of your current policy.
If you are adding a vehicle to an existing policy and not buying a new one, just make sure to get the vehicle added as soon as possible. Every insurance company offers a grace period to add new vehicles, so make sure you get the Dodge added prior to the expiration of this grace period. The coverage extended to an add-on vehicle is only as good as the coverage on existing vehicles, so if none of your current insured vehicles have full coverage, your new Avenger won't have it either. So in that case, it's important to call your agent or company directly from the dealership and have them bind coverage immediately.
Your insurance company will provide you with proof-of-insurance forms to keep in your vehicle. It's required by state law to carry at least the state minimum liability limits. If you are required to file an SR-22 with your state, your new insurance company will take care of that for you. If you cancel your coverage for any reason, you risk the loss of your driver's license.
Other Insurance Resources
To read more about filing a claim, choosing replacement parts, rental car insurance and more, visit the Insurance Information Institute.