San Antonio buyers have lots of choices when searching for low-cost Dodge Avenger insurance. They can either spend hours contacting agents to get rate comparisons or save time using the internet to find the lowest rates.
There are both good and bad ways to compare car insurance rates so we’re going to tell you the quickest way to get price quotes for your Dodge and locate the lowest price either online or from San Antonio insurance agents.
You should take the time to check car insurance prices at least once a year because car insurance prices change regularly. Even if you got the best price for Avenger coverage a year ago you can probably find a better rate quote now. Ignore everything you know about car insurance because you’re about to find out the best methods to buy cheaper car insurance.
When comparison shopping, there are several ways of comparing rate quotes from all the different companies. The easiest way to compare rates is to get quotes online. This can be done using a couple different methods.
One of the best ways to find the lowest comparison rates is to use a rate comparison form like this one (opens in new window). This type of form keeps you from doing a different quote to each individual car insurance company. Just one form gets insurance cost estimates direct from many companies. It’s the fastest way to compare.
A less efficient way to obtain and compare quotes online consists of visiting each individual company website and repeat the quote process again and again. For examples sake, let’s assume you want to compare GEICO, State Farm and Allstate. To get each rate you have to take the time to go to each site and enter your policy data, which is why the first method is quicker. For a list of companies in San Antonio, click here.
Take whichever approach you prefer, but try to keep apples-to-apples coverage data for each quote you get. If you use different values for each quote it will be impossible to determine the best price for your Dodge Avenger in San Antonio. Having just a slight variation in coverages could mean much higher rates. And when comparing car insurance rates, know that obtaining a wide range of quotes increases your odds of finding a better price. Not every company provides online price quotes, so you need to compare price estimates from those companies as well.
Cheap San Antonio car insurance rates with discounts
Some companies don’t always publicize their entire list of discounts very well, so we took the time to find some of the best known as well as some of the hidden credits that you can use to lower your rates.
- No Claim Discounts – Claim-free drivers are rewarded with significantly better rates on as opposed to drivers with a long claim history.
- Safe Driver Discount – Insureds without accidents may receive a discount up to 45% for Avenger coverage than drivers with accidents.
- Discounts for Government Workers – Simply working for the federal government could qualify for a slight premium decrease for Avenger coverage with some car insurance companies.
- Membership in Organizations – Joining specific professional or occupational memberships or organizations is a simple method to lower premiums on your policy.
- Distant Student – Children who attend college more than 100 miles from home and do not have a car could get you a discount.
- Bundle and Save – When you combine your auto and homeowners insurance with the same insurance company you will save at least 10 to 15 percent or more.
- Anti-theft Discount – Vehicles optioned with advanced anti-theft systems are stolen less frequently and therefore earn up to a 10% discount.
- One Accident Forgiven – This one isn’t a discount, but companies like Allstate and Progressive will turn a blind eye to one accident before raising your premiums if your claims history is clear prior to being involved in the accident.
- Telematics Discount – People who choose to allow their insurance company to track where and when they drive by using a small device installed in their vehicle such as Snapshot from Progressive or Drivewise from Allstate could see a rate decrease if they are good drivers.
It’s important to understand that many deductions do not apply to all coverage premiums. Most only reduce specific coverage prices like comp or med pay. If you do the math and it seems like you would end up receiving a 100% discount, companies wouldn’t make money that way.
Insurance companies who may offer these discounts include:
When getting a coverage quote, ask every prospective company to apply every possible discount. Discounts may not apply everywhere. For a list of companies with discount rates in San Antonio, follow this link.
Informed Consumers Can Save Money
Part of the car insurance buying process is learning the different types of things that are used to determine your policy premiums. When you understand what impacts premium levels, this allows you to make good choices that can earn you lower car insurance prices. Lots of things are considered when pricing auto insurance. Some of the criteria are obvious such as your driving record, although others are less obvious like where you live or how financially stable you are.
- Lower rates come with age – Inexperience drivers have a tendency to be inattentive and easily distracted behind the wheel therefore car insurance rates are much higher. Adding a first-time driver onto a policy can break the bank. Older people tend to be more responsible, file fewer claims , and are generally more financially stable.
- Save by driving vehicles with better crash test results – Vehicles with good safety scores tend to have better insurance rates. These vehicles protect occupants better and fewer injuries translates into savings for insurance companies and cheaper rates on your policy. If your Dodge Avenger scored better than an “acceptable” rating on the Insurance Institute for Highway Safety website you may be receiving a better rate.
- Cheaper rates by consolidating – The majority of car insurance companies give discounts to policyholders who have multiple policies with them such as combining an auto and homeowners policy. Even with this discount, it’s in your best interest to compare other company rates to ensure the best deal. It’s possible to still find a better deal by insuring with multiple companies.
- Where you reside can impact prices – Being located in less populated areas of the country is a positive aspect when shopping for auto insurance. City drivers have to deal with traffic congestion and more severe claims. Fewer drivers translates into fewer accidents in addition to fewer liability claims.
Tailor your car insurance coverage to you
When choosing the right insurance coverage for your personal vehicles, there really is not a one size fits all plan. Your needs are not the same as everyone else’s.
For example, these questions can aid in determining whether your personal situation could use an agent’s help.
- Can I drive in Mexico and have coverage?
- Is there coverage for injuries to my pets?
- What if I total my Dodge Avenger and owe more than it’s worth?
- I have good health insurance, so how much medical payments coverage do I need?
- Should I file a claim if it’s only slightly more than my deductible?
- Do I have coverage when pulling a U-Haul trailer?
- When do I need to add a new car to my policy?
If you can’t answer these questions but one or more may apply to you, then you may want to think about talking to an insurance agent. To find lower rates from a local agent, take a second and complete this form.
Additional car insurance information is located on the website for the Texas Department of Insurance. Click here for link. Texas drivers can find out industry alerts, find disaster information, and read enforcement actions against agents and companies.
More related San Antonio car insurance information:
- Pricing Comparisons for San Antonio Car Insurance Agents
- How to Find the Best Insurance Agent in San Antonio
The largest companies are not always cheapest
Companies like Progressive, GEICO, Allstate and State Farm endlessly run ads on television and other media. All the ads make the point that you can save just by switching your car insurance coverage to their company. How do they all make almost identical claims? It’s all in the numbers.
Companies offer their best rates for a prospective insured that will add to their bottom line. For instance, a desirable insured could be over the age of 45, has a low-risk occupation, and chooses high deductibles. Any new insured that meets those criteria gets the lowest rates and will also save if they switch.
Insureds who do not match this ideal profile will be charged higher premiums and this can result in the driver buying from a lower-cost company. The ad wording is “drivers who switch” but not “all drivers who get quotes” will save that much if they switch. That’s the way insurance companies can confidently make claims like that.
This really drives home the point why drivers should get a wide range of price quotes. Because you never know which car insurance company will fit you best based on your risk profile.
Keep this in mind
You just read some good ideas how to reduce Dodge Avenger insurance prices online. The most important thing to understand is the more rate comparisons you have, the better chance you’ll have of finding . Consumers could even find that the most savings is with some of the lesser-known companies.
More affordable car insurance can be found both online as well as from independent agents in San Antonio, and you should compare rates from both to have the best chance of lowering rates. A few companies may not provide online quoting and usually these regional carriers provide coverage only through independent agents.
While you’re price shopping online, it’s a bad idea to skimp on coverage in order to save money. There have been many cases where drivers have reduced uninsured motorist or liability limits only to discover later that saving that couple of dollars actually costed them tens of thousands. The proper strategy is to buy a smart amount of coverage for the lowest price but still have enough coverage for asset protection.