Dodge Avenger Insurance Rates in Irvine

Insurance rates Dodge Avenger in IrvineThe best way to get the cheapest Dodge Avenger insurance is to do an annual price comparison from insurance carriers in Irvine. You can compare rates by following these guidelines.

  1. Try to learn about car insurance and the steps you can take to prevent rate increases. Many rating criteria that cause rate increases like accidents, careless driving, and your credit history can be amended by being financially responsible and driving safely.
  2. Request price quotes from exclusive agents, independent agents, and direct providers. Exclusive agents and direct companies can only give rate quotes from a single company like Progressive or State Farm, while independent agents can provide price quotes for a wide range of companies.
  3. Compare the new quotes to your existing rates and determine if cheaper Avenger coverage is available in Irvine. If you can save some money and change companies, ensure there is no coverage lapse between policies.
  4. Give proper notification to your current agent or company of your intent to cancel your current car insurance policy. Submit payment and a completed application to your new agent or company. Immediately upon receiving it, place the new certificate verifying proof of insurance in your vehicle.

A good piece of advice is to use the same coverage limits and deductibles on every price quote and and to compare every insurance company. This provides an accurate price comparison and a better comparison of the market.

It’s an obvious conclusion that insurance companies want to prevent you from shopping around. People who shop around for the cheapest price will, in all likelihood, buy a new policy because there are good odds of finding a lower-cost company. A recent survey discovered that consumers who shopped around annually saved approximately $3,400 over four years compared to policyholders who never shopped around for lower prices.

If finding low prices for Dodge Avenger insurance in Irvine is the reason you’re reading this, learning the best ways to find and compare insurance premiums can make it easier for you to save money.

If you’re already insured or need a new policy, you will benefit by learning to find better prices while maximizing coverage. Finding quotes for affordable insurance in Irvine is not that difficult. Smart shoppers just have to learn the quickest way to compare rates instantly.

Data for Dodge Avenger insurance

The rate table shown below highlights different insurance prices for Dodge Avenger models. Being aware of how car insurance premiums are determined can aid in making decisions when shopping your coverage around.

Dodge Avenger Insurance Rates in Irvine, CA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Avenger Express $162 $354 $470 $28 $140 $1,154 $96
Avenger R/T $162 $354 $470 $28 $140 $1,154 $96
Avenger SXT $162 $354 $470 $28 $140 $1,154 $96
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Prices based on married female driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and California minimum liability limits. Discounts applied include safe-driver, multi-policy, homeowner, multi-vehicle, and claim-free. Estimates do not factor in specific location which can impact auto insurance rates considerably.

Where to set your deductibles

The hardest decision when buying coverage is how high or low should comp and collision deductibles be. The following insurance rates summarize the premium difference when you buy lower versus higher physical damage deductibles. The first rate comparisons uses a $250 deductible and the second rate table uses a $500 deductible.

Dodge Avenger insurance policy rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Avenger Express $342 $678 $500 $30 $150 $1,725 $144
Avenger R/T $342 $678 $500 $30 $150 $1,725 $144
Avenger SXT $342 $678 $500 $30 $150 $1,725 $144
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Dodge Avenger insurance policy rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Avenger Express $278 $546 $500 $30 $150 $1,504 $125
Avenger R/T $278 $546 $500 $30 $150 $1,504 $125
Avenger SXT $278 $546 $500 $30 $150 $1,504 $125
Get Your Own Custom Quote Go

Cost estimates assume married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include multi-vehicle, multi-policy, safe-driver, claim-free, and homeowner. Table data does not factor in specific location which can affect rates significantly.

Using the data above, we can ascertain that using a $250 deductible will cost you about $19 more each month or $228 every year across all Dodge Avenger models than quoting the higher $500 deductible. Since the policyholder would be required to pay $250 more out-of-pocket with a $500 deductible as compared to a $250 deductible, if you normally go at a minimum 13 months between claims, you would most likely save money if you choose a higher deductible. The table below shows an example of how you can do this calculation yourself.

Average monthly premium for $250 deductibles: $144
Average monthly premium for $500 deductibles (subtract): – $125
Monthly savings from raising deductible: $19
Difference between deductibles ($500 – $250): $250
Divide difference by monthly savings: $250 / $19
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 13 months

One important caveat is that increasing deductibles to save money means you will have to cover more of the damage yourself if you have a claim. That will necessitate enough money put aside in the event you need to pay more to get your vehicle repaired.

How violations and accidents impact rates

The diagram below illustrates how traffic citations and at-fault collisions can impact Dodge Avenger yearly insurance costs for different ages of insureds. The information is based on a single male driver, comprehensive and collision coverage, $250 deductibles, and no discounts are factored in.

Comparison of insurance rates by age and gender

The illustration below compares Dodge Avenger insurance prices for male and female drivers. The premiums are based on no driving violations, no at-fault accidents, full coverage, $100 deductibles, single marital status, and no discounts are applied to the premium.

Full coverage versus liability-only

The illustration below illustrates the difference between Dodge Avenger insurance prices with full coverage compared to only the California minimum liability coverage. The information is based on no violations or accidents, $1,000 deductibles, single marital status, and no policy discounts are applied.

Are you wasting money paying for full coverage?

There is no clear-cut formula to delete physical damage coverage, but there is a guideline you can use. If the annual cost of having full coverage is more than about 10% of replacement cost minus your deductible, then it might be time to buy liability only.

For example, let’s say your Dodge Avenger claim settlement value is $8,000 and you have $1,000 policy deductibles. If your vehicle is severely damaged, the most you would receive is $7,000 after you pay the deductible. If you are paying in excess of $700 annually for physical damage coverage, then it’s probably a good time to buy liability coverage only.

There are some conditions where eliminating full coverage is not a good plan. If you have an outstanding loan on your vehicle, you must maintain physical damage coverage as part of the loan conditions. Also, if you don’t have enough money to buy a different vehicle in the event your current vehicle is totaled, you should keep full coverage.

Learn How to Buy Insurance Cheaper

Many things are used in the calculation when you get your auto insurance bill. Some of the criteria are obvious such as your driving record, but other factors are less apparent such as your marital status or your vehicle rating. Consumers need to have an understanding of some of the elements that aid in calculating your premiums. When consumers understand what determines premiums, this allows you to make good choices that will entitle you to lower rates.

Multiple policies with one company – Most insurers will give discounts to clients who buy several policies from them such as combining an auto and homeowners policy. Even though this discount sounds good, it’s in your best interest to check prices from other companies to ensure the best deal. Consumers may save money by buying insurance from a different company.

Location can affect price – Residing in a rural area has it’s advantages when buying insurance. City drivers have to deal with congested traffic and much longer commute distances. Less people living in that area translates into fewer accident claims and lower theft and vandalism rates.

Physical damage deductibles – The deductibles you choose are the amount of money the insured will be required to pay if a covered claim is submitted. Protection for physical damage, commonly called comprehensive (or other-than-collision) and collision coverage, protects your car from damage. Examples of covered claims are colliding with a stationary object, animal collisions, and having a roll-over accident. The larger the amount you are required to pay out-of-pocket, the lower your rates will be.

Stressful employer may mean higher rates – Did you know your insurance rates can be affected by your occupation? Jobs like military generals, social workers, and miners usually pay higher average rates in part from high stress and lengthy work days. On the flip side, occupations like professors, students and the unemployed generally pay rates lower than average.

Less chance of injury means lower premiums – Cars with five star safety ratings can get you lower premiums. Vehicles engineered for safety reduce injuries and any reduction in injury severity means lower claim amounts passed on to you as lower rates. If your Dodge Avenger scored better than an “acceptable” rating on the Insurance Institute for Highway Safety website you may pay a lower rate.

Persistence pays off

As you restructure your insurance plan, it’s very important that you do not skimp on critical coverages to save a buck or two. In too many instances, consumers will sacrifice full coverage and discovered at claim time that it was a big error on their part. Your goal is to buy a smart amount of coverage at the best price.

In this article, we presented a lot of information how to find cheaper Dodge Avenger insurance in Irvine. It’s most important to understand that the more quotes you get, the better likelihood of getting affordable Irvine car insurance quotes. Consumers may even find the lowest car insurance rates are with the least-expected company.

More affordable auto insurance in Irvine can be found on the web and from local agencies, and you should be comparing both to have the best rate selection. A few companies may not offer internet price quotes and these regional insurance providers prefer to sell through independent agencies.

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