Being forced to pay for overpriced auto insurance premiums can stress out your personal savings and force you to tighten up your finances. Multiple auto insurance companies compete to insure your vehicles, and it can be difficult to compare rates and get the best coverage at the best price available.
It’s a good habit to compare prices before your policy renews due to the fact that insurance rates tend to go up over time. Just because you had the best premium rates on Avenger insurance a few years ago there may be better deals available now. Ignore everything you know about auto insurance because you’re about to find out how to quote online to eliminate unnecessary coverages and save money.
How much does auto insurance in Houston, TX cost?
Getting cheap Dodge Avenger auto insurance pricing can be relatively painless. You just need to take the time to get quotes to find the company with . Price comparisons can be done in several different ways.
- The recommended way to get quotes would be an industry-wide quote request form click here to open form in new window. This type of form eliminates the need for separate quotation requests for each company you want a rate for. Just one form gets insurance cost estimates from auto insurance companies with the best prices.
- Another way to compare rate quotes is to take the time to go to the website for every company you want to comare and request a quote. For instance, let’s say you are doing a rate comparison from USAA, GEICO and Progressive. To get rate quotes you would need to spend time going to each site individually and enter your information, which can get old fast.
For a list of companies in Houston, click here.
- If you have time to kill, the last method of comparing rate quotes to insurance agents’ offices. Quoting online eliminates the middleman unless you want the trained guidance that you can only get from talking to an agent. Although, it is possible get the lowest quotes online and still use a local agent.
It’s up to you which method you use, but ensure you are comparing the same coverage information for each comparison quote. If each company quotes different liability limits it will be impossible to determine which rate is truly the best in Houston.
Do auto insurance companies bend the truth?
Texas consumers can’t get away from all the ads that claim the lowest rates by State Farm, GEICO and Progressive. All the ads try to convey promises that drivers can save some big amount after switching your policy.
How do they all charge you less for car insurance? You have to listen carefully.
Most companies give the cheapest rates for the right customer that earns them a profit. A good example of a desirable insured could possibly be between 30 and 50, has no claims, and has a high credit rating. Any new insured that meets those criteria will most likely get cheap prices and as a result will probably cut their rates substantially.
Insureds who don’t qualify for these criteria may be forced to pay higher premium rates and ends up with the customer buying from a different company. The ads say “drivers that switch” but not “everyone who gets a quote” can save as much as they claim. That’s the way insurance companies can make claims that they all have the best prices. This really illustrates why drivers must compare many company’s prices. It is impossible to guess which company will have the best premium rates for your profile.
Components of Your Dodge Avenger Insurance Premiums
One of the most helpful ways to save on auto insurance is to to have a grasp of the factors that help calculate the level of your policy premiums. When you understand what positively or negatively impacts your premiums, this enables you to make decisions that could result in big savings. Lots of things are part of the calculation when you quote your car insurance policy. Some of the criteria are obvious like an MVR report, but other criteria are not quite as obvious such as your marital status or your vehicle rating.
- Never let your auto insurance expire – Driving any period of time without insurance is not a good idea and auto insurance companies will penalize you for letting your coverage have a gap. In addition to paying higher premiums, not being able to provide proof of insurance will get you a steep fine or even jail time.
- Drive fewer miles and save – Driving a lot of miles each year the higher your rate. A lot of companies apply a rate based upon how the vehicle is primarily used. Cars and trucks that have low annual miles receive better premium rates than cars that get driven a lot. Ask your agent if your auto insurance coverage shows the correct usage. Improper usage on your Avenger may be costing you.
- Premiums increase with policy add-ons – Insurance policies have a lot of extra coverages that may not really be needed on your Avenger policy. Coverages for rental car coverage, death and dismemberment, and membership fees may be costing you every month. They may sound like good ideas when you first buy your policy, but if you don’t need them remove them from your policy.
- Prevent theft and save – Owning a car with a theft deterrent system can save you a little every year. Theft deterrent systems like GM’s OnStar, tamper alarm systems and vehicle immobilizers all help prevent your vehicle from being stolen.
Texas auto insurance discounts
Car insurance companies do not advertise every available discount very clearly, so the list below gives a summary of a few of the more well known and the more hidden discounts that may be available. If you don’t get every credit possible, you’re just leaving money on the table.
- No Claims – Claim-free drivers pay much less compared to frequent claim filers.
- Auto/Life Discount – If the company offers life insurance, you could get a lower auto insurance rate if you buy auto and life insurance together.
- Military Rewards – Being on active deployment in the military could qualify you for better premium rates.
- Discount for Passive Restraints – Vehicles equipped with air bags or automatic seat belts could see savings up to 30%.
- Multi-policy Discount – When you have multiple policies with the same insurance company you may earn approximately 10% to 15%.
- Theft Prevention Discount – Cars and trucks that have factory anti-theft systems are stolen less frequently and that can save you a little bit as well.
- Student Driver Training – Require your teen driver to enroll in driver’s education as it will make them better drivers and lower rates.
- Student Discounts – This discount can be rewarded with saving of up to 25%. Earning this discount can benefit you up until you turn 25.
- Low Mileage Discounts – Fewer annual miles on your Dodge can earn lower prices due to less chance of an accident.
Remember that many deductions do not apply to all coverage premiums. Most only apply to specific coverage prices like comp or med pay. Just because you may think all the discounts add up to a free policy, you won’t be that lucky.
To locate insurers that offer the discounts shown above in Texas, click this link.
Get rate quotes but still have a local Houston insurance agency
Certain consumers still like to visit with an insurance agent and that can be a great decision Insurance agents can help you build your policy and give you someone to call. One of the great benefits of getting online price quotes is that you can obtain the lowest rates and still have an agent to talk to.
After filling out this form (opens in new window), your information gets sent to companies in Houston that give free quotes for your auto insurance coverage. There is no need to do any legwork as quotes are delivered directly to your email. In the event you want to compare prices from a specific auto insurance provider, don’t hesitate to go to their quote page and give them your coverage information.
Picking an insurer requires more thought than just a low price. These are some valid questions you should ask.
- What insurance company do they write the most business with?
- How would your car be valued if totalled?
- Are they actively involved in the community?
- Did they already check your driving record and credit reports?
- Which companies can they place coverage with?
- Does the company have a solid financial rating?
To find an insurance agency in your neighborhood, link to this list of Houston Texas insurance agents.
Cheaper auto insurance rates are out there
We covered a lot of information how to shop for Dodge Avenger insurance online. The most important thing to understand is the more quotes you get, the better your comparison will be. Drivers may discover the lowest premium rates come from some of the lesser-known companies. These smaller insurers can often insure niche markets at a lower cost as compared to the big name companies such as State Farm and Allstate.
Cheap Dodge Avenger insurance can be bought online in addition to many Houston insurance agents, so you should compare both in order to have the best chance of saving money. Some auto insurance companies do not offer rate quotes online and these regional insurance providers only sell through independent agents.
When trying to cut insurance costs, you should never buy poor coverage just to save money. There are a lot of situations where an insured dropped comprehensive coverage or liability limits and discovered at claim time they didn’t have enough coverage. The aim is to buy the best coverage you can find for the lowest price, not the least amount of coverage.
Additional Texas consumer information
More detailed Texas auto insurance information can be found at the Texas Department of Insurance website. Consumers can learn about specific coverages, read consumer alerts, view agent and company licensing information, and find a variety of consumer forms.
The articles below may also help you learn more about auto insurance in Houston