The preferred way to find better pricing on Dodge Avenger insurance in Chandler is to make a habit of comparing prices annually from companies in Arizona. This can be done by following these steps.
First, get a basic knowledge of auto insurance and the factors you can control to keep rates low. Many rating criteria that cause high rates like multiple speeding tickets and a bad credit rating can be rectified by improving your driving habits or financial responsibility. This article gives more ideas to find cheap prices and find missing discounts.
Second, request price quotes from direct, independent, and exclusive agents. Direct and exclusive agents can give quotes from a single company like Progressive or Allstate, while agents who are independent can quote rates for a wide range of insurance providers. Start a quote
Third, compare the new rates to your current policy to see if you can save by switching companies. If you find a lower rate quote and change companies, ensure coverage does not lapse between policies.
A good tip to remember is that you’ll want to make sure you compare the same level of coverage on every price quote and and to look at as many companies as you can. This guarantees an apples-to-apples comparison and many rates to choose from.
It’s a fact that insurance companies don’t want their customers to go rate shopping. Consumers who rate shop once a year are likely to switch companies because there are good odds of finding a lower-cost company. A recent survey revealed that consumers who shopped around saved an average of $3,450 over four years compared to other drivers who never shopped around.
If finding the cheapest price for auto insurance in Chandler is your ultimate target, then knowing how to get rate quotes and compare cheaper coverage can help make the process easier.
When quoting insurance, remember that getting more free quotes provides better odds of finding the best rates. Not every company provides rate quotes online, so you need to compare price quotes from the smaller companies as well.
The companies shown below are ready to provide price comparisons in Chandler, AZ. If you want to find the best auto insurance in Chandler, AZ, it’s highly recommended you visit two to three different companies in order to find the most competitive rates.
Verify you’re applying every discount
Car insurance companies do not list every discount available very clearly, so we took the time to find some of the best known as well as some of the hidden discounts you could be receiving when you buy Chandler auto insurance online. If they aren’t giving you every credit available, you’re just leaving money on the table.
- Passive Restraint Discount – Vehicles equipped with air bags and/or automatic seat belt systems could see savings up to 30%.
- Safety Course Discount – Taking time to complete a safe driver course can save you 5% or more and easily pay for the cost of the class.
- Military Deployment Discount – Being on active duty in the military can result in better premium rates.
- No Claims – Chandler drivers who stay claim-free pay less when compared with insureds who have frequent claims or accidents.
- Professional Memberships – Belonging to certain professional organizations could qualify you for a break on your next insurance statement.
- Distant College Student Discount – Kids who live away from home to go to college and don’t have a car can receive lower rates.
- Discount for Life Insurance – If the company offers life insurance, you could get a discount if you purchase auto and life insurance together.
- ABS Braking Discount – Anti-lock brake equipped vehicles have fewer accidents and qualify for as much as a 10% discount.
- Seat Belt Discounts – Drivers who require all occupants to buckle up before driving can save up to 10 percent (depending on the company) off PIP or medical payments premium.
- Driver Education Discount – It’s a good idea to have your young drivers enroll and complete driver’s education in high school.
It’s important to understand that most credits do not apply to the entire policy premium. The majority will only reduce individual premiums such as comp or med pay. Just because it seems like you could get a free insurance policy, company stockholders wouldn’t be very happy.
The diagram below compares Dodge Avenger annual premium costs with and without discounts applied. The costs are based on a male driver, no tickets, no at-fault accidents, Arizona state minimum liability limits, comprehensive and collision coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with homeowner, safe-driver, marriage, multi-policy, claim-free, and multi-car discounts applied.
A few of the larger companies and a selection of discounts can be found below.
- State Farm has savings for good student, student away at school, defensive driving training, driver’s education, passive restraint, and Steer Clear safe driver discount.
- Esurance offers premium reductions for homeowner, defensive driver, anti-lock brakes, claim free, and emergency road assistance.
- Progressive may have discounts that include multi-policy, good student, online signing, homeowner, online quote discount, multi-vehicle, and continuous coverage.
- Liberty Mutual may offer discounts for good student, teen driver discount, exclusive group savings, hybrid vehicle, and preferred payment discount.
- Auto-Owners Insurance discounts include safe driver, anti-lock brakes, multi-policy, safe vehicle, and paperless.
- GEICO includes discounts for daytime running lights, federal employee, emergency military deployment, multi-vehicle, and membership and employees.
If you want affordable Chandler auto insurance quotes, ask every insurance company which discounts you qualify for. Some of the discounts discussed earlier might not be offered on policies in every state.
Car insurance analysis for a Dodge Avenger
The premium table displayed next highlights different insurance prices for Dodge Avenger models. Understanding how rate quotes are formulated can assist in making decisions on the best policy coverages.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Avenger Express | $172 | $342 | $348 | $20 | $104 | $986 | $82 |
| Avenger R/T | $172 | $342 | $348 | $20 | $104 | $986 | $82 |
| Avenger SXT | $172 | $342 | $348 | $20 | $104 | $986 | $82 |
| Get Your Own Custom Quote Go | |||||||
Data variables include married male driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Arizona minimum liability limits. Discounts applied include safe-driver, homeowner, multi-policy, claim-free, and multi-vehicle. Prices do not factor in specific zip code location which can lower or raise insurance rates considerably.
How high should deductibles be?
One of the most common car insurance questions is how high or low should comp and collision deductibles be. The tables below can help you visualize the price difference between low and high insurance deductibles. The first table uses a $250 physical damage deductible and the second set of rates uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Avenger Express | $232 | $460 | $338 | $20 | $102 | $1,177 | $98 |
| Avenger R/T | $232 | $460 | $338 | $20 | $102 | $1,177 | $98 |
| Avenger SXT | $232 | $460 | $338 | $20 | $102 | $1,177 | $98 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Avenger Express | $144 | $290 | $338 | $20 | $102 | $894 | $75 |
| Avenger R/T | $144 | $290 | $338 | $20 | $102 | $894 | $75 |
| Avenger SXT | $144 | $290 | $338 | $20 | $102 | $894 | $75 |
| Get Your Own Custom Quote Go | |||||||
Price data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Arizona minimum liability limits. Discounts applied include claim-free, safe-driver, multi-policy, multi-vehicle, and homeowner. Table data does not factor in vehicle location which can alter coverage prices greatly.
Based on these figures, using a $250 deductible will cost in the ballpark of $23 more each month or $276 every year than quoting the higher $1,000 deductible. Since you would have to pay $750 more to file a claim with a $1,000 deductible as compared to a $250 deductible, if you go at a minimum 33 months between claims, you would most likely save money by selecting a higher deductible.
The diagram below shows how choosing a deductible and can influence Dodge Avenger premium costs for each different age category. The prices are based on a single female driver, comp and collision included, and no discounts are factored in.
How accidents and tickets impact rates in Chandler
The diagram below shows how traffic citations and at-fault claims drive up Dodge Avenger car insurance costs for different age groups. The rate quotes are based on a married female driver, full physical damage coverage, $100 deductibles, and no additional discounts are factored in.
Does full coverage make sense?
The information below compares Dodge Avenger insurance premiums with liability coverage only compared to full coverage. The data is based on no claims or violations, $250 deductibles, single status, and no discounts are factored in.
When to drop comprehensive and collision coverage
There is no definitive formula to stop buying physical damage coverage, but there is a general convention. If the yearly cost for physical damage coverage is about 10% or more of replacement cost minus your deductible, then you might want to consider buying only liability coverage.
For example, let’s say your Dodge Avenger settlement value is $5,000 and you have $1,000 policy deductibles. If your vehicle is damaged in an accident, the most your company will settle for is $4,000 after paying the physical damage deductible. If it’s costing in excess of $400 a year for full coverage, then it might be time to consider dropping full coverage.
There are some cases where dropping physical damage coverage is not financially feasible. If you haven’t satisfied your loan, you have to maintain full coverage in order to satisfy the requirements of the loan. Also, if your savings is not enough to buy a different vehicle in the event your current vehicle is totaled, you should keep full coverage in place.
Insurance is available from local insurance agents
Many people just want to talk to an insurance agent and that is recommended in a lot of cases One of the best bonuses of comparing insurance online is the fact that you can find cheap insurance quotes and still choose a local agent.
After completing this simple form, your coverage information gets sent to agents in your area who will give you quotes for your business. There is no need to even leave your home as quotes are delivered immediately to you. You can get cheaper insurance rates and a licensed agent to talk to. If you need to quote rates from a particular provider, you just need to jump over to their website to submit a rate quote request.
Selecting an insurer shouldn’t rely on just the bottom line cost. Get answers to these questions too.
- How is replacement cost determined on your vehicle?
- Is insurance their full-time profession?
- Will you work with the agent or an assistant?
- Do they specialize in personal lines coverage in Chandler?
- Are they able to influence company decisions when a claim is filed?
- Do they offer claims assistance after hours?
Auto insurance can be complex
When it comes to buying coverage online or from an agent for your vehicles, there really isn’t a single plan that fits everyone. You are unique and a cookie cutter policy won’t apply.
For instance, these questions can help discover if your insurance needs may require specific advice.
- Does my insurance cover a custom paint job?
- Are rock-chip repairs free?
- What is an SR-22 filing?
- Is business property covered if stolen from my car?
- What is the difference between comprehensive and collision coverage?
- Do I have any recourse if my insurance company denies a claim?
- Do I have coverage when using my vehicle for my home business?
- Should I sign the liability waiver when renting a car?
- Are my friends covered when driving my Dodge Avenger?
- How long can I keep a teen driver on my policy?
If you’re not sure about those questions but one or more may apply to you, you may need to chat with an agent. To find an agent in your area, simply complete this short form or click here for a list of auto insurance companies in your area.
Specifics of your auto insurance policy
Understanding the coverages of auto insurance can be of help when determining the best coverages at the best deductibles and correct limits. Policy terminology can be impossible to understand and reading a policy is terribly boring. Listed below are the usual coverages available from auto insurance companies.
Collision coverage
This coverage will pay to fix damage to your Avenger caused by collision with another vehicle or an object, but not an animal. You have to pay a deductible and then insurance will cover the remainder.
Collision insurance covers things such as scraping a guard rail, hitting a parking meter and backing into a parked car. Collision coverage makes up a good portion of your premium, so consider removing coverage from older vehicles. Drivers also have the option to increase the deductible on your Avenger to get cheaper collision coverage.
Liability auto insurance
Liability insurance can cover damage or injury you incur to other’s property or people in an accident. Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show policy limits of 15/30/10 that translate to a $15,000 limit per person for injuries, a total of $30,000 of bodily injury coverage per accident, and a limit of $10,000 paid for damaged property.
Liability coverage protects against claims such as funeral expenses, medical expenses, bail bonds and court costs. How much liability should you purchase? That is a personal decision, but you should buy as large an amount as possible. Arizona state law requires minimum liability limits of 15/30/10 but you should think about purchasing higher limits.
The next chart demonstrates why buying minimum limits may not be high enough to cover claims.
Comprehensive protection
Comprehensive insurance will pay to fix damage OTHER than collision with another vehicle or object. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.
Comprehensive insurance covers things such as damage from getting keyed, hitting a bird and hail damage. The maximum payout you can receive from a comprehensive claim is the actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.
Medical expense coverage
Personal Injury Protection (PIP) and medical payments coverage reimburse you for bills such as EMT expenses, dental work, funeral costs and pain medications. They can be used in conjunction with a health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover you and your occupants and will also cover if you are hit as a while walking down the street. Personal injury protection coverage is not available in all states and gives slightly broader coverage than med pay
Uninsured or underinsured coverage
This coverage protects you and your vehicle from other drivers when they either are underinsured or have no liability coverage at all. This coverage pays for hospital bills for your injuries and also any damage incurred to your Dodge Avenger.
Because many people have only the minimum liability required by law (Arizona limits are 15/30/10), their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.
Cheaper insurance rates are out there
We just showed you some good ideas how you can save on Dodge Avenger insurance in Chandler. It’s most important to understand that the more you quote Chandler auto insurance, the higher your chance of finding low cost Chandler auto insurance quotes. Drivers may even discover the lowest car insurance rates are with some of the lesser-known companies. These companies may have significantly lower premium rates on certain market segments than their larger competitors like State Farm, GEICO and Nationwide.
As you restructure your insurance plan, don’t be tempted to skimp on coverage in order to save money. There are a lot of situations where someone sacrificed liability coverage limits to discover at claim time that it was a big mistake. Your goal is to purchase a proper amount of coverage for the lowest cost.
For more information, link through to the articles below:
- What does Personal Injury Protection (PIP) Cover? (Allstate)
- Who Has Cheap Auto Insurance for a Honda Accord in Chandler? (FAQ)
- How Much are Car Insurance Rates for Drivers with a Bad Driving Record in Chandler? (FAQ)
- Who Has the Cheapest Auto Insurance Quotes for 16 Year Olds in Chandler? (FAQ)
- Top Signs Your Brakes are Giving Out (State Farm)
- Rearview cameras reduce backing crashes (Insurance Institute for Highway Safety)
- Side Impact Crash Tests (iihs.org)
- Things to Know Before you Cancel Insurance (Allstate)