2013 Dodge Avenger Insurance Quotes – 5 Tricks for Cheaper 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: Dec 14, 2021

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Want better car insurance rates for your Dodge Avenger? Scraping up a payment for overpriced Dodge Avenger insurance can empty your personal savings and put a big crunch on your finances. Comparison shopping is free, only takes a few minutes, and is a good way to help make ends meet.

Insurance companies such as Allstate, Liberty Mutual and State Farm all claim big savings with advertising and it is difficult to ignore the flying pigs and cute green geckos and do the work needed to find the best deal.

It’s important to get comparison quotes periodically because prices change quite often. Despite the fact that you may have had the lowest price for Avenger insurance a few years ago a different company probably has better rates today. There is a lot of bad information regarding car insurance online but by reading this article, you’re going to learn some tested techniques to slash your car insurance rates.

Fast and Easy Insurance Coverage Quotes

Comparing insurance coverage rates is a ton of work if you don’t utilize the most efficient way to do it. You can waste a few hours (or days) talking to local insurance agents in your area, or you can utilize the internet for quick rates.

Most of the best insurance companies belong to an insurance system that allows shoppers to send in one quote, and each company provides a quote. This system prevents you from having to do repetitive form submissions for each company.

To fill out one form to compare multiple rates now click to open in new window.

The only downside to comparing rates this way is you cannot specify which companies to get pricing from.

Whichever method you choose, double check that you are using identical coverage limits and deductibles for every company. If you use differing limits it will be very difficult to determine which rate is truly the best. Quoting even small variations in coverage limits can mean a large discrepancy in price. And when price shopping your coverage, having more price comparisons will enable you to find a lower rate.

Pay less for 2013 Dodge Avenger insurance

Auto insurance companies don’t always advertise all available discounts in an easy-to-find place, so the following is a list of both the well known and the harder-to-find discounts you could be receiving.

  • Lower Rates for Military – Being on active duty in the military may qualify for rate reductions.
  • Pay Now and Pay Less – If you pay your entire premium ahead of time instead of paying each month you could save 5% or more.
  • Driver’s Ed – Cut your cost by having your teen driver complete a driver education course if it’s offered in school.
  • Accident Forgiveness – Some insurance companies permit an accident without raising rates as long as you don’t have any claims for a particular time prior to the accident.
  • Safe Driver Discount – Drivers who don’t get into accidents can get discounts for up to 45% lower rates for Avenger insurance than their less cautious counterparts.

A little note about advertised discounts, most credits do not apply to the overall cost of the policy. Most cut individual premiums such as comprehensive or collision. Just because you may think all the discounts add up to a free policy, you’re out of luck.

Car insurance companies that may offer these discounts include:

  • American Family
  • State Farm
  • 21st Century
  • Travelers
  • GEICO

Before buying, ask all companies you are considering which discounts they offer. Discounts might not apply in your area.

Tailor your coverage to you

When choosing coverage, there is no perfect coverage plan. Coverage needs to be tailored to your specific needs and your policy should reflect that. Here are some questions about coverages that can aid in determining if your situation would benefit from an agent’s advice.

  • Does my insurance cover my expensive audio equipment?
  • Where can I find DUI or SR-22 insurance?
  • Does my insurance cover a custom paint job?
  • Why am I required to buy liability insurance?
  • What companies insure drivers after a DUI or DWI?
  • How does medical payments coverage work?
  • What is high-risk coverage and where do I buy it?

If you can’t answer these questions but a few of them apply, you may need to chat with a licensed agent.

Save 15 percent in 15 minutes? Is it for real?

Allstate, GEICO and Progressive regularly use television and radio advertisements. All the companies make the same claim that you can save if you move your coverage to them. How can each company make almost identical claims? It’s all in the numbers.

Different companies are able to cherry pick for the right customer that makes them money. For instance, a desirable insured might be profiled as over the age of 40, has no tickets, and has excellent credit. Any new insured that hits that “sweet spot” receives the best rates and as a result will probably save when they switch companies.

Drivers who fall outside these standards will be quoted a higher premium which usually ends up with business not being written. The ads say “people who switch” not “everyone that quotes” save that kind of money. That’s the way insurance companies can confidently make the claims of big savings. This emphasizes why it’s extremely important to compare as many rates as you can. It is impossible to predict the company that will fit your personal profile best.

Insurance coverage basics

Knowing the specifics of your insurance policy aids in choosing the right coverages at the best deductibles and correct limits. Insurance terms can be difficult to understand and nobody wants to actually read their policy. Below you’ll find typical coverages found on the average insurance policy.

Auto collision coverage

Collision insurance pays to fix your vehicle from damage resulting from a collision with a stationary object or other vehicle. You have to pay a deductible then your collision coverage will kick in.

Collision coverage pays for claims such as backing into a parked car, sideswiping another vehicle, damaging your car on a curb, hitting a mailbox and crashing into a ditch. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are older. Another option is to raise the deductible to get cheaper collision coverage.

Medical expense insurance

Personal Injury Protection (PIP) and medical payments coverage reimburse you for immediate expenses such as ambulance fees, dental work, funeral costs and chiropractic care. They are often used in conjunction with a health insurance policy or if there is no health insurance coverage. It covers all vehicle occupants as well as being hit by a car walking across the street. Personal injury protection coverage is not universally available and gives slightly broader coverage than med pay

Auto liability insurance

This coverage can cover damage that occurs to other’s property or people that is your fault. Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show values of 100/300/100 that translate to a limit of $100,000 per injured person, a per accident bodily injury limit of $300,000, and $100,000 of coverage for damaged property.

Liability insurance covers things like funeral expenses, pain and suffering and attorney fees. How much coverage you buy is a decision to put some thought into, but you should buy as large an amount as possible.

Protection from uninsured/underinsured drivers

This protects you and your vehicle’s occupants from other drivers when they do not carry enough liability coverage. Covered losses include hospital bills for your injuries as well as damage to your Dodge Avenger.

Due to the fact that many drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage should not be overlooked.

Comprehensive (Other than Collision)

Comprehensive insurance coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive can pay for things like fire damage, damage from flooding, falling objects, theft and hitting a deer. The maximum amount a insurance company will pay at claim time is the actual cash value, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

In any little way, save everyday

Cheap 2013 Dodge Avenger insurance is possible both online in addition to many insurance agents, so compare prices from both to have the best chance of lowering rates. Some companies do not provide online price quotes and usually these smaller companies provide coverage only through local independent agents.

As you restructure your insurance plan, it’s a bad idea to buy less coverage just to save a little money. There are too many instances where an insured dropped physical damage coverage only to find out they didn’t have enough coverage. The ultimate goal is to buy the best coverage you can find at a price you can afford while not skimping on critical coverages.

To read more, link through to the articles below:

  • What does Personal Injury Protection (PIP) Cover? (Allstate)
  • Electronic Stability Control FAQ (iihs.org)
  • Distracted Driving Extends Beyond Texting (State Farm)
  • Air Bags: Potential Dangers to Your Children (Insurance Information Insitute)
  • Credit Impacts Car Insurance Rates (State Farm)

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