Car Insurance Quotes for a Dodge Avenger in Raleigh

Discount Dodge Avenger insuranceThe easiest way to find cheaper prices for auto insurance rates in Raleigh is to compare quotes annually from providers in North Carolina.

First, take a little time to learn about individual coverages and the changes you can make to keep rates down. Many policy risk factors that cause rate increases such as speeding and a poor credit rating can be controlled by improving your driving habits or financial responsibility. This article provides tips to get affordable coverage and find discounts that you may qualify for.

Second, quote rates from independent agents, exclusive agents, and direct companies. Direct companies and exclusive agencies can only give rate quotes from a single company like GEICO or State Farm, while independent agents can quote prices from multiple insurance companies.

Third, compare the quotes to your existing rates and see if there is a cheaper rate. If you can save some money, make sure the effective date of the new policy is the same as the expiration date of the old one.

Fourth, provide proper notification to your current company of your intent to cancel your current coverage and submit a down payment along with a signed application for the new policy. As soon as coverage is bound, keep your new proof of insurance certificate with your registration paperwork.

A good tip to remember is to make sure you’re comparing identical deductibles and limits on each quote request and and to compare every company you can. This guarantees an accurate price comparison and a thorough selection of prices.

It’s hard to believe, but almost 70% of drivers have been with the same company for four years or more, and approximately 40% of consumers have never compared rates with other companies. North Carolina drivers could save approximately $100 every year by just shopping around, but they underestimate the large savings they would see if they swap their current policy for a cheaper one.

We hope to teach you a little about the best way to quote coverages and also save some money in the process If you currently have a car insurance policy, you will be able to cut your premiums using the concepts covered in this article. Shoppers only need to know the proper methods to compare different rates online.

All the larger auto insurance companies such as 21st Century, Allstate and State Farm make it easy to get pricing on the web. The process is pretty painless because it’s just a matter of typing in your personal and coverage information into the quote form. Behind the scenes, their system sends out for your driving and credit reports and returns pricing information based on the data you entered.

Quoting online for Dodge Avenger insurance in Raleigh makes it easy to compare insurance prices and it’s absolutely necessary to get many rate quotes in order to get the most affordable premium.

In order to find out how much you’re overpaying now, compare rates now from the companies shown below. If you have a policy now, it’s recommended you copy deductibles and limits identical to your current policy. This guarantees you will receive rate comparison quotes based on identical coverages.

The providers in the list below provide price quotes in North Carolina. To locate cheap auto insurance in Raleigh, NC, it’s a good idea that you click on several of them to get the cheapest price.

Why you need insurance for your vehicle

Even though Raleigh Avenger insurance rates can get expensive, buying car insurance serves several important purposes.

The benefits of insuring your Avenger are definitely more than the cost, especially if you ever need it. An average driver in America is wasting up to $869 every year so it’s recommended you shop around once a year at a minimum to be sure current rates are still competitive.

Rates and detailed analysis

The coverage table displayed next showcases a range of coverage prices for Dodge Avenger models. Understanding how insurance rates are determined can assist in making decisions when choosing a new policy provider.

Dodge Avenger Insurance Rates in Raleigh, NC
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Avenger Express $192 $382 $282 $16 $84 $956 $80
Avenger R/T $192 $382 $282 $16 $84 $956 $80
Avenger SXT $192 $382 $282 $16 $84 $956 $80
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Above prices assume married male driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and North Carolina minimum liability limits. Discounts applied include safe-driver, claim-free, homeowner, multi-policy, and multi-vehicle. Rate information does not factor in specific garaging location which can modify premium rates greatly.

Dodge Avenger full coverage rates compared to liability only

The example below shows the comparison of Dodge Avenger premium costs with full physical damage coverage compared to only buying liability only. The information is based on a clean driving record, no claims, $100 deductibles, drivers are single, and no other discounts are factored in.

When to eliminate full coverage

There is no written rule for eliminating full coverage, but there is a broad guideline. If the yearly cost for physical damage coverage is more than 10% of the replacement cost of your vehicle minus the policy deductible, then you may want to consider only buying liability coverage.

For example, let’s say your Dodge Avenger replacement value is $8,000 and you have $1,000 deductibles. If your vehicle is totaled in an accident, the most your company would pay you is $7,000 after you pay the deductible. If premiums are more than $700 a year for full coverage, then you may want to consider only buying liability coverage.

There are some conditions where dropping full coverage is not financially feasible. If you have an outstanding loan on your vehicle, you must maintain physical damage coverage in order to keep the loan. Also, if you cannot afford to purchase a different vehicle if your current one is totaled, you should not remove full coverage.

Do you qualify for discounts?

Some insurers don’t always publicize all available discounts in a way that’s easy to find, so the list below gives a summary of a few of the more common and the harder-to-find credits that you can use to lower your rates.Save money with discounts

Remember that most discounts do not apply to all coverage premiums. The majority will only reduce specific coverage prices like comprehensive or collision. Just because it seems like you can get free auto insurance, that’s just not realistic.

The chart below illustrates the difference between Dodge Avenger auto insurance costs with and without discounts applied to the policy premium. The premiums are based on a female driver, no accidents, no driving violations, North Carolina state minimum liability limits, full coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-policy, safe-driver, claim-free, multi-car, marriage, and homeowner discounts applied.

The best car insurance companies and their offered discounts are:

When comparing rates, check with all companies you are considering to apply every possible discount. Depending on the company, some discounts might not be offered in your state. For a list of insurers that offer multiple discounts in Raleigh, follow this link.