How to Save on Mesa Dodge Avenger Insurance

The most effective way to quote cheaper Dodge Avenger insurance is to start doing a yearly price comparison from insurance carriers that sell auto insurance in Mesa. You can compare prices by completing these steps.

  1. Get an understanding of policy coverages and the things you can change to prevent expensive coverage. Many risk factors that cause rate increases such as speeding tickets, accidents and a substandard credit history can be controlled by making lifestyle changes or driving safer.
  2. Request rate estimates from direct, independent, and exclusive agents. Exclusive and direct companies can provide rates from one company like Progressive or State Farm, while independent agencies can provide price quotes for a wide range of insurance providers.
  3. Compare the price quotes to your current policy premium and determine if cheaper Avenger coverage is available in Mesa. If you can save some money and change companies, make sure the effective date of the new policy is the same as the expiration date of the old one.
  4. Notify your agent or company to cancel your current auto insurance policy. Submit a down payment and signed policy application to your new agent or company. Once the application is submitted, safely store the certificate verifying proof of insurance in an accessible location in your vehicle.

The critical component of shopping around is to try to use identical limits and deductibles on each quote request and to quote with as many companies as possible. This ensures an accurate price comparison and a complete price analysis.

Insurance quote for Dodge Avenger in MesaA recent auto insurance study revealed that almost 70% of drivers in Arizona kept their policy with the same company for a minimum of four years, and nearly the majority have never compared rates to find cheaper insurance. The average driver in the United States could save about $850 every year just by shopping around, but they just assume it’s a time-consuming process to do a rate comparison.

If you already have coverage, you will be able to cut your premiums using the concepts covered in this article. Locating the best rates in Mesa is actually quite simple. But Arizona drivers should learn the methods companies use to price online insurance and use this information to your advantage.

Auto insurance data for a Dodge Avenger

The premium table shown below outlines detailed analysis of coverage prices for Dodge Avenger models. Learning a little about how policy rates are established is important for drivers to make informed purchases.

Dodge Avenger Insurance Rates in Mesa, AZ
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Avenger Express $226 $528 $410 $24 $122 $1,310 $109
Avenger R/T $226 $528 $410 $24 $122 $1,310 $109
Avenger SXT $226 $528 $410 $24 $122 $1,310 $109
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Prices above based on single male driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and Arizona minimum liability limits. Discounts applied include safe-driver, homeowner, multi-vehicle, multi-policy, and claim-free. Rates do not factor in specific zip code location which can raise or lower coverage prices considerably.

Comparison of policy deductibles

One common question asked by Mesa drivers is what deductibles to buy. The figures shown below may aid in understanding the difference in cost between low and high policy deductibles. The first set of rates uses a $250 comprehensive and collision deductible and the second set of prices uses a $1,000 deductible.

Dodge Avenger insurance rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Avenger Express $232 $460 $338 $20 $102 $1,177 $98
Avenger R/T $232 $460 $338 $20 $102 $1,177 $98
Avenger SXT $232 $460 $338 $20 $102 $1,177 $98
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Dodge Avenger insurance rates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Avenger Express $144 $290 $338 $20 $102 $894 $75
Avenger R/T $144 $290 $338 $20 $102 $894 $75
Avenger SXT $144 $290 $338 $20 $102 $894 $75
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Data rating is based on married male driver age 30, no speeding tickets, no at-fault accidents, and Arizona minimum liability limits. Discounts applied include safe-driver, multi-vehicle, multi-policy, homeowner, and claim-free. Premium costs do not factor in specific Mesa garaging location which can affect premium rates significantly.

Based on the above data, using a $250 deductible will cost you about $23 more each month or $276 every year than selecting the higher $1,000 deductible. Because you would pay $750 more if you turn in a claim with a $1,000 deductible as compared to a $250 deductible, if you normally average at a minimum 33 months between claim filings, you would save money if you choose the higher deductible.

How to calculate if higher deductibles make sense

Average monthly premium for $250 deductibles: $98
Average monthly premium for $1,000 deductibles (subtract): – $75
Monthly savings from raising deductible: $23
Difference between deductibles ($1,000 – $250): $750
Divide difference by monthly savings: $750 / $23
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 33 months

One thing to note is that raising deductibles to get cheaper rates means you will have to pay more if you have a claim. You should have some money saved in the event you have to pay the deductible.

The example below illustrates how your deductible choice and can affect Dodge Avenger insurance premiums for different age groups. The premium estimates are based on a married female driver, comprehensive and collision coverage, and no other discounts are factored in.

Rate comparison of males versus females

The information below compares Dodge Avenger premium costs for male and female drivers. The prices are based on no violations or accidents, full coverage, $250 deductibles, single status, and no discounts are factored in.

Price comparison of only insuring for liability

The illustration below shows the comparison of Dodge Avenger premium costs with and without full coverage. Data assumes no claims or driving citations, $250 deductibles, single status, and no discounts are taken into consideration.

Should you be buying full coverage?

There is no clear-cut formula to delete physical damage insurance, but there is a broad guideline. If the annual cost of your full coverage insurance is 10% or more of the replacement cost minus the deductible, then it may be the right time to buy liability only.

For example, let’s say your Dodge Avenger replacement cost is $8,000 and you have $1,000 physical damage deductibles. If your vehicle is totaled, the most your company will settle for is $7,000 after paying your policy deductible. If you are paying more than $700 annually for your policy with full coverage, then it could be time to drop full coverage.

There are a few situations where eliminating full coverage is not advised. If you haven’t satisfied your loan, you have to maintain full coverage as part of the loan conditions. Also, if you don’t have enough money to buy a different vehicle if your current one is totaled, you should maintain full coverage.

Why Smart Buyers Pay Less for Dodge Avenger Insurance

Many things are part of the calculation when you quote your car insurance policy. Some of the criteria are obvious like your driving record, although others are not as apparent like your continuous coverage and annual miles driven.

The itemized list below are some of the items used by companies to determine rates.

Deter car thieves – Driving a car with a theft deterrent system can help bring down rates. Anti-theft devices such as OnStar found on GM vehicles, advanced tracking like LoJack, and vehicle immobilization systems all help stop your car from being stolen.

Premiums drop with age – Older, more experienced drivers are proven to be safer behind the wheel, file fewer claims, and are generally more financially stable. Inexperience drivers have a tendency to get distracted easily when driving with friends so they pay higher car insurance rates.

The next chart assumes a single driver, full coverage with $100 deductibles, and no discounts or violations.

Raise coverage deductibles and save – Coverage for physical damage, also called ‘full coverage’, covers damage that occurs to your Dodge. Examples of covered claims are a broken side mirror, damage from fire, and having your car stolen. Comp and collision deductibles define the amount you are required to spend before your car insurance pays a claim. The more of the claim the insured is willing to pay, the better rate you will receive.

Responsible drivers pay the best costs – Having a clean driving record influences premium rates substantially. Just one chargeable violation can boost insurance rates forty percent or more. Careful drivers pay lower auto insurance prices than people who have multiple driving citations. Drivers who have gotten license-revoking violations like DUI or willful reckless driving may be required to file a SR-22 with their state DMV in order to prevent a license revocation.

The chart below illustrates how traffic citations and fender-benders influence Dodge Avenger car insurance costs for different categories of driver ages. The rate quotes are based on a single male driver, comp and collision included, $500 deductibles, and no discounts are applied to the premium.

What type of car do you drive? – The type of car or truck you need to insure makes a huge difference in determining your rates. The cheapest insurance rates will generally be found on low performance passenger vehicles, but the final cost of insurance is determined by many other factors.

The data below assumes a single male driver age 50, full coverage with $500 deductibles, and no discounts or violations. It shows Dodge Avenger insurance rates compared to other models of vehicles that have different performances.

Which car insurance company is best in Arizona?

Finding the best auto insurance company can be rather challenging considering how many different insurance companies sell coverage in Arizona. The ranking data shown below may help you pick which providers you want to consider comparing rate quotes with.

Top 10 Mesa Car Insurance Companies Ranked by Claims Service

  1. State Farm
  2. Esurance
  3. AAA Insurance
  4. GEICO
  5. Liberty Mutual
  6. Progressive
  7. Allstate
  8. Titan Insurance
  9. The Hartford
  10. Mercury Insurance

Top 10 Mesa Car Insurance Companies Overall

  1. USAA
  2. American Family
  3. State Farm
  4. The Hartford
  5. AAA Insurance
  6. GEICO
  7. The General
  8. Titan Insurance
  9. Progressive
  10. Mercury Insurance

What is YOUR best insurance company?

A few companies may not have the ability to get a quote online and usually these small insurance companies provide coverage only through local independent agents. Discount Dodge Avenger insurance is definitely available from both online companies and also from your neighborhood Mesa agents, and you should compare rates from both in order to have the best price selection to choose from.

While you’re price shopping online, do not reduce coverage to reduce premium. Too many times, an insured cut full coverage and found out when filing a claim that a couple dollars of savings turned into a financial nightmare. Your objective should be to purchase a proper amount of coverage at a price you can afford, not the least amount of coverage.

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