Locating low-cost insurance for a new or used Dodge Avenger in Texas can turn out to be a painful process, but you can follow a few tricks to make it easier.
There is a right way and a wrong way to find car insurance online so you’re going to learn the best way to compare rates for a new or used Dodge and locate the lowest price.
It’s a good idea to do rate comparisons quite often because car insurance prices are rarely the same from one policy term to another. Despite the fact that you may have had the best rates for Avenger coverage a couple years back you will most likely find a better rate quote today. You can find a lot of wrong information about car insurance online but you can learn some great ways to save money.
Locating affordable car insurance in Austin is easy if you know what you’re doing. Basically, anyone who buys car insurance should be able to reduce their rates. But Texas drivers should learn the way companies sell online and use this information to your advantage.
Car insurance discounts are available to cut your rates
Car insurance is not cheap, but you may find discounts that you may not know about. Many of these discounts will be applied automatically at quote time, but some discounts are required to be asked about before being credited.
- Resident Student – who live away from home to go to college and do not have access to a covered vehicle can receive lower rates.
- Accident-Free Discounts – Drivers who don’t have accidents have much lower rates in comparison with bad drivers.
- Low Mileage Discounts – Low annual miles can qualify you for cheaper premium rates.
- Theft Deterent System – Vehicles that have factory anti-theft systems prevent vehicle theft and therefore earn up to a 10% discount.
- Discounts for Good Drivers – Accident-free drivers may save up to 50% more for Avenger coverage compared to rates paid by drivers with frequent claims.
- Own a Home – Just being a homeowner may trigger a policy discount on car insurance because of the fact that having a home means you have a higher level of financial diligence.
- Waiver for an Accident – This isn’t a discount exactly, but certain companies may permit one accident without raising rates if your claims history is clear prior to being involved in the accident.
- Safety Restraint Discount – Drivers who require all occupants to buckle up could save 15% on the premium charged for medical payments and/or PIP.
- Air Bags and Passive Restraints – Vehicles equipped with air bags or automatic seat belts can get savings of 25 to 30%.
Don’t be surprised that most discounts do not apply to the entire policy premium. Most only cut the price of certain insurance coverages like medical payments or collision. So even though they make it sound like having all the discounts means you get insurance for free, you aren’t that lucky.
Companies and their possible discounts are included below.
- Mercury Insurance offers premium reductions for low natural disaster claims, anti-theft, location of vehicle, multi-policy, multi-car, and accident-free.
- Farmers Insurance policyholders can earn discounts including good student, electronic funds transfer, early shopping, teen driver, and business and professional.
- Farm Bureau offers discounts including renewal discount, good student, multi-policy, multi-vehicle, driver training, safe driver, and youthful driver.
- State Farm has discounts for safe vehicle, good student, good driver, Drive Safe & Save, multiple autos, and driver’s education.
- Allstate may include discounts for safe driver, premier plus, eSmart discount, multi-policy, and anti-lock brakes.
- GEICO includes discounts for membership and employees, good student, driver training, five-year accident-free, and multi-policy.
If you are trying to find , ask every company how you can save money. Depending on the company, some discounts may not apply to policyholders everywhere. 
How to compare free Austin car insurance quotes
Most major insurance companies such as Allstate, GEICO and Progressive allow you to get coverage prices direct online. The process is pretty painless as you simply enter the coverage amounts you desire as requested by the quote form. Upon sending the form, their rating system automatically retrieves information on your driving record and credit history and generates pricing information based on these and other factors.
Quoting online streamlines rate comparisons, but having to visit different websites and type in the same data is monotonous and tiresome. But it’s also necessary to do this if you want to find the best price possible.
Compare rates the easy way
A better way to find lower prices utilizes a single form to get prices from multiple companies. The form is fast, helps eliminate reptitive entry, and makes online quotes a lot less work. Immediately after submitting the form, it is rated with multiple companies and you can pick any of the pricing results.
If you find a better price you simply finish the application and purchase coverage. This process can be completed in a matter of minutes and can result in significant savings.
If you want to find out how much you can save on car insurance, click here and submit the form. If you have a policy now, it’s recommended you duplicate the coverage information exactly as they are listed on your policy. Doing this assures you will have a rate comparison based on similar coverages.
Don’t assume everyone needs the same car insurance coverage
When buying adequate coverage for your personal vehicles, there really is no “perfect” insurance plan. Everyone’s needs are different.
For example, these questions could help you determine if your situation may require specific advice.
- Is my Dodge Avenger covered for flood damage?
- Does my insurance cover my expensive audio equipment?
- Does liability extend to a camper or trailer?
- Should I rate my Dodge Avenger as pleasure use or commute?
- What is high-risk coverage and where do I buy it?
- Am I covered when using my vehicle for business?
- Can I pay claims out-of-pocket if I buy high deductibles?
If you don’t know the answers to these questions but you know they apply to you, you may need to chat with an agent. If you want to speak to an agent in your area, complete this form.
Don’t give up on affordable coverage
We just presented a lot of information how to save on Dodge Avenger insurance. It’s most important to understand that the more rate comparisons you have, the better likelihood of getting . You may even find the best prices are with an unexpected company.
When shopping online for car insurance, you should never sacrifice coverage to reduce premiums. There are too many instances where an insured cut physical damage coverage and discovered at claim time that it was a big mistake. The aim is to purchase plenty of coverage for the lowest cost, not the least amount of coverage.
Affordable Dodge Avenger insurance is definitely available on the web in addition to local insurance agencies, so you should compare both to have the best selection. There are still a few companies who may not provide the ability to get quotes online and many times these regional carriers only sell through independent agents.