2012 Dodge Avenger Car Insurance Rates

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Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

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Written by Jeffrey Johnson
Insurance Lawyer Jeffrey Johnson

UPDATED: Nov 23, 2017

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Want better insurance coverage rates for your Dodge Avenger? Purchasing low-cost insurance coverage over the internet is rather challenging for consumers new to buying insurance online. Since there are so many online companies, how can anyone have a chance to compare every one to find the lowest price available?

Automobile Insurance Quotes

Most companies quote pricing on the web. The process is fairly straightforward as you just enter the coverage amounts you desire as requested by the quote form. Once you submit the form, the company’s rating system gets your driving and credit reports and returns pricing information based on these factors.

Quoting online streamlines rate comparisons, but the time required to go to different websites and fill out multiple forms can be a bit tiresome and repetitive. But it’s very important to perform this step if you are searching for better prices.

Quote rates the easy way

An easier way to lower your rates utilizes a single form that gets prices from many companies. It saves time, eliminates repetitive work, and makes rate comparisons much more enjoyable and efficient. After sending your information, your coverage is rated and you are able to buy any of the resulting price quotes.

If the quotes result in lower rates, it’s easy to complete the application and purchase the new policy. It takes 15 minutes at the most and could lower your rates considerably.

In order to fill out one form to compare multiple rates now, simply click here to open in new window and input your coverage information. If you have coverage now, it’s recommended you input the insurance coverages exactly as they are listed on your policy. This way, you will get an apples-to-apples comparison for the exact same coverage.

Don’t assume everyone needs the same coverage

When it comes to choosing the best auto insurance coverage, there really is no single plan that fits everyone. Everyone’s situation is a little different.

For instance, these questions might help in determining whether your personal situation would benefit from an agent’s advice.

  • Can I still get insurance after a DUI?
  • Am I covered if I break a side mirror?
  • Where can I find DUI or SR-22 insurance?
  • When do I need to add a new car to my policy?
  • When can my company non-renew my policy?
  • Do I need roadside assistance coverage?

If you’re not sure about those questions but one or more may apply to you, you may need to chat with a licensed agent. To find an agent in your area, simply complete this short form.

Car insurance coverage information

Having a good grasp of your car insurance policy aids in choosing which coverages you need for your vehicles. Policy terminology can be difficult to understand and coverage can change by endorsement.

Comprehensive coverage

This 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 coverage pays for claims such as hail damage, hitting a deer, damage from getting keyed and damage from flooding. The maximum payout you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle is not worth much consider dropping full coverage.

Uninsured/Underinsured Motorist coverage

This coverage protects you and your vehicle’s occupants from other motorists when they are uninsured or don’t have enough coverage. Covered claims include injuries to you and your family and damage to your Dodge Avenger.

Due to the fact that 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 should not be overlooked. Normally the UM/UIM limits are similar to your liability insurance amounts.

Medical payments coverage and PIP

Med pay and PIP coverage pay for short-term medical expenses like doctor visits, EMT expenses, prosthetic devices and hospital visits. The coverages can be utilized in addition to your health insurance policy or if you are not covered by health insurance. They cover both the driver and occupants and also covers if you are hit as a while walking down the street. Personal Injury Protection is not available in all states but can be used in place of medical payments coverage

Liability coverages

This can cover damage that occurs to other’s property or people that is your fault. It protects YOU against claims from other people, and does not provide coverage for 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 liability limits of 50/100/50 which means a $50,000 limit per person for injuries, a per accident bodily injury limit of $100,000, and a total limit of $50,000 for damage to vehicles and property. Some companies may use a combined limit which provides one coverage limit with no separate limits for injury or property damage.

Liability insurance covers things like repair costs for stationary objects, court costs, repair bills for other people’s vehicles and pain and suffering. How much liability coverage do you need? That is your choice, but you should buy higher limits if possible.

Coverage for collisions

Collision insurance pays to fix your vehicle from damage resulting from a collision with a stationary object or other vehicle. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision coverage protects against things such as damaging your car on a curb, crashing into a ditch and driving through your garage door. This coverage can be expensive, so you might think about dropping it from vehicles that are older. Drivers also have the option to increase the deductible to get cheaper collision coverage.

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