Dodge Avenger Insurance Quotes in Phoenix

How long has it been since you shopped around for the cheapest Dodge Avenger insurance in Phoenix? Overpriced Dodge Avenger insurance in Phoenix can stress out your bank account and force you to make sacrifices. Performing a price comparison is a great way to reduce premiums and put more money in your pocket.

Sad but true, almost 70% of drivers in Arizona have stayed with the same insurance company for at least the last four years, and almost 40% of drivers have never compared rates with other companies. Most drivers in the U.S. can save hundreds of dollars each year just by shopping around, but most undervalue the actual amount they would save if they switched.

Due to the increasing number of different company options, it is hard for the average consumer to find the most affordable insurer.

The quickest way to compare insurance rates from multiple companies takes advantage of the fact most of the bigger providers allow for online access to compare their rates. The only thing you need to do is provide a little information including if you lease or own, marital status, if it has an anti-theft system, and the type of vehicles you drive. The data is then submitted to all major companies and they provide comparison quotes within a short period of time.

To start a quote now, click here and find out if lower rates are available in Phoenix.

The providers in the list below can provide quotes in Phoenix, AZ. If multiple companies are listed, it’s highly recommended you click on several of them in order to find the lowest rates.

Above prices assume single male driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Arizona minimum liability limits. Discounts applied include safe-driver, multi-vehicle, claim-free, homeowner, and multi-policy. Rate information does not factor in vehicle garaging location which can decrease or increase insurance rates substantially.

Higher deductibles save money

One of the hardest decisions when shopping for auto insurance is how low should you set your deductibles. The comparison tables below lay out how much more you’ll pay between low and high deductibles. The first price estimate table uses a $100 deductible for physical damage and the second rate chart uses a $500 deductible.

Table data represents married male driver age 30, no speeding tickets, no at-fault accidents, and Arizona minimum liability limits. Discounts applied include multi-vehicle, claim-free, multi-policy, homeowner, and safe-driver. Table data does not factor in zip code location which can decrease or increase rates noticeably.

Based on these figures, using a $100 deductible costs about $23 more each month or $276 each year than opting for the higher $500 deductible. Because you would be required to pay $400 more out of your own pocket with a $500 deductible as compared to a $100 deductible, if you average more than 17 months between claims, you would come out ahead if you decide on a higher deductible.

Auto insurance does more than just protect your car

Despite the high cost, auto insurance is most likely required but also gives you several important benefits.

• The majority of states have mandatory liability insurance requirements which means the state requires a specific level of liability coverage if you don’t want to risk a ticket. In Arizona these limits are 15/30/10 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.
• If you took out a loan on your vehicle, most lenders will require you to have insurance to ensure loan repayment if the vehicle is totalled. If coverage lapses or is canceled, the bank may insure your Dodge at a more expensive rate and force you to pay a much higher amount than you were paying before.
• Auto insurance protects both your assets and your Dodge. Insurance will also pay for many types of medical costs incurred in an accident. Liability coverage, the one required by state law, also pays for attorney fees and expenses if someone files suit against you as the result of an accident. If your vehicle suffers damage from an accident or hail, your auto insurance policy will cover the repair costs.

The benefits of having auto insurance definitely exceed the price paid, particularly when you have a large claim. According to a survey of 1,000 drivers, the average driver is overpaying over $825 a year so shop around at every policy renewal to ensure rates are inline.

Save $468 a year? Really?

Car insurance providers like 21st Century, Allstate and State Farm constantly bombard you with television and radio advertisements. All the companies tend to make the same promise that drivers will save a bundle if you move to them. How does every company give you a better price on Dodge Avenger insurance in Phoenix? It’s all in how they say it.

Car insurance companies give the best rates for the right customer that will not have excessive claims. For instance, a preferred risk should be between the ages of 30 and 45, has no tickets, and drives less than 5,000 miles a year. Any person who fits that profile gets the lowest auto insurance rates and will also save money with a new company.

People who may not quite match those standards may receive a more expensive rate with the end result being business going elsewhere. If you listen closely, the ads state “people that switch” but not “all drivers who get quotes” save the amount stated. That is how companies can lure you into getting a quote.

Each company has different criteria, so drivers must do a rate comparison at every renewal. It’s impossible to know which company will have the best Dodge Avenger insurance in Phoenix.

Get cheaper Dodge Avenger insurance in Phoenix with discounts

Companies don’t list their entire list of discounts very clearly, so the next list breaks down a few of the more common as well as some of the hidden discounts that you may qualify for.

• Responsible Driver Discount – Drivers without accidents may receive a discount up to 45% than drivers with accidents.
• Good Grades Discount – Being a good student could provide a savings of up to 20% or more. This discount can apply well after school through age 25.
• Discount for New Cars – Buying a new car instead of a used Avenger is cheaper because new vehicles are generally safer.
• Claim Free – Drivers with accident-free driving histories can save substantially when compared with drivers who are more careless.
• Include Life Insurance and Save – If the company offers life insurance, you could get a discounted price on car insurance if you buy a life policy as well.
• Military Discounts – Being on active duty in the military could mean lower premium rates.
• Multiple Cars – Drivers who insure multiple cars with one company can reduce the rates for all insured vehicles.

Discounts save money, but please remember that many deductions do not apply to all coverage premiums. Most cut individual premiums such as comprehensive or collision. So when it seems like you could get a free auto insurance policy, nobody gets a free ride.

A list of auto insurance companies and a selection of discounts are detailed below.

• State Farm may have discounts that include defensive driving training, good driver, driver’s education, multiple policy, safe vehicle, and anti-theft.
• GEICO offers discounts for anti-theft, multi-policy, five-year accident-free, seat belt use, daytime running lights, military active duty, and emergency military deployment.
• Allstate policyholders can earn discounts including premier plus, senior citizen, early signing, farm vehicle, passive restraint, and eSmart discount.
• SAFECO has discounts for teen safe driver, anti-lock brakes, accident prevention training, anti-theft, bundle discounts, and homeowner.
• Farm Bureau offers discounts including youthful driver, good student, renewal discount, multi-policy, and multi-vehicle.
• Progressive includes discounts for continuous coverage, online signing, multi-vehicle, online quote discount, homeowner, good student, and multi-policy.
• AAA has savings for education and occupation, multi-policy, pay-in-full, multi-car, anti-theft, and good driver.

It’s a good idea to ask all companies you are considering to apply every possible discount. Some of the discounts discussed earlier might not be offered in your area.

Shop online but buy locally

A lot of people still prefer to buy from a local agent and that is recommended in a lot of cases One of the best bonuses of comparing insurance online is you can get cheap insurance quotes and also buy local. Buying insurance from neighborhood agents is still important in Phoenix.

For easy comparison, once you complete this quick form, your insurance data gets sent to companies in Phoenix that can provide free Phoenix car insurance quotes for your coverage. There is no need to drive around since price quotes are sent to your email. You’ll get the best rates and work with a local agent. In the event you want to quote rates for a specific company, you just need to find their quoting web page and complete a quote there.

Choosing an provider needs to be determined by more than just the premium amount. You should also get answers to these questions.

• How often do they review policy coverages?
• Does their agency support local causes in Phoenix?
• Are you getting all the discounts the company offers?
• How are claims handled?
• In the event of vehicle damage, can you pick the collision repair facility?
• Do they regularly work with personal auto policies in Phoenix?
• Can glass claims be handled at your home?

After you get acceptable answers to your questions and an affordable coverage quote, you have narrowed it down to an insurer that can properly insure your vehicles. But keep in mind you are entitled to terminate coverage for any reason so don’t feel that you’re stuck with a policy with no way to switch.

Quote more to save more

When trying to cut insurance costs, never reduce coverage to reduce premium. Too many times, an insured cut comprehensive coverage or liability limits and discovered at claim time that they should have had better coverage. Your goal should be to buy a smart amount of coverage for the lowest price, but do not skimp to save money.

We just covered a lot of tips how to save on Dodge Avenger insurance in Phoenix. The most important thing to understand is the more price quotes you have, the higher the chance of saving money. Consumers could even find that the lowest prices come from a company that doesn’t do a lot of advertising. Regional companies may cover specific market segments cheaper than the large multi-state companies such as GEICO and State Farm.

Helpful resources

• Credit and Insurance Scores (Insurance Information Institute)
• How Much is Car Insurance for Electric Cars in Phoenix? (FAQ)
• Who Has Affordable Phoenix Auto Insurance for State Employees? (FAQ)
• What Insurance is Cheapest for a Dodge Journey in Phoenix? (FAQ)
• New head restraint design cuts injuries (Insurance Institute for Highway Safety)
• Auto Insurance 101 (About.com)
• Crash Avoidance Technologies FAQ (iihs.org)