Overwhelmed by the sheer number of car insurance providers in your area? Many other drivers are too. Consumers have so many providers to choose from that it can easily become a real difficult job to lower your prices for Dodge Avenger insurance in Evansville. Everyone knows Evansville is the perfect city to reside in, but pricey car insurance can make it difficult for lots of drivers to purchase enough protection.

Insurance for Dodge AvengerShocking but true, about 70% of customers kept their coverage with the same car insurance company for at least the last four years, and about 40% of consumers have never compared car insurance rates at all. American consumers could save up to $860 every year just by comparing rates, but they mistakenly think it's difficult to compare other rate quotes.

You need to get comparison quotes every six months because car insurance rates change frequently. Just because you found the best deal on Dodge Avenger insurance in Evansville at your last renewal you will most likely find a better price today. Ignore everything you know about car insurance because you're about to find out how to use online quotes to save money, get proper deductibles and limits, all at the lowest rate.

If you have coverage now, you should be able to shop for the lowest rates using the ideas covered in this article. This information will teach you a little about how car insurance quotes work and some tips to save money. But Indiana consumers do need to know how big insurance companies determine prices and use it to find better rates.

The Dodge Avenger Insurance Cost Equation

It's important that you understand some of the factors that go into determining your premiums. When you understand what positively or negatively impacts your premiums, this allows you to make educated decisions that could help you find cheaper rates.

The factors shown below are some of the things used by companies to determine your prices.

The quickest method we recommend to get policy rate comparisons for Dodge Avenger insurance in Evansville utilizes the fact all the major auto insurance companies provide online access to compare rate quotes. The one thing you need to do is provide a small amount of information including level of coverage desired, if you're married, the make and model of your vehicles, and what your job is. Your rating data is then sent to insurance carriers in your area and they return quotes very quickly.

To get price quotes for your Dodge Avenger now, click here and complete the quick form.

The providers in the list below can provide free rate quotes in Evansville, IN. If several companies are displayed, we recommend you compare several of them to get a more complete price comparison.

Dodge Avenger Insurance Estimates in Evansville, IN
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Avenger Express $236 $592 $384 $22 $114 $1,348 $112
Avenger R/T $176 $348 $318 $18 $94 $954 $80
Avenger SXT $208 $504 $334 $20 $100 $1,166 $97
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Table data assumes married female driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and Indiana minimum liability limits. Discounts applied include multi-policy, multi-vehicle, homeowner, claim-free, and safe-driver. Premium costs do not factor in your specific Evansville location which can increase or decrease insurance rates significantly.

Comparison of policy deductibles

The diagram below demonstrates how choosing different deductibles and can influence Dodge Avenger insurance premiums for different age groups of insureds. The rates are based on a single female driver, comprehensive and collision coverage, and no discounts are applied.

Analysis of deductible levels

One common question asked by Evansville drivers is how low should you set your deductibles. The following insurance rates may help you to understand the premium difference of buying low and high physical damage deductibles. The first set of rates uses a $250 deductible for comprehensive and collision coverage 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 $216 $430 $318 $18 $94 $1,101 $92
Avenger R/T $216 $430 $318 $18 $94 $1,101 $92
Avenger SXT $216 $430 $318 $18 $94 $1,101 $92
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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 $134 $270 $318 $18 $94 $834 $70
Avenger R/T $134 $270 $318 $18 $94 $834 $70
Avenger SXT $134 $270 $318 $18 $94 $834 $70
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Cost estimates assume married male driver age 30, no speeding tickets, no at-fault accidents, and Indiana minimum liability limits. Discounts applied include multi-vehicle, safe-driver, claim-free, homeowner, and multi-policy. Price information does not factor in zip code location which can lower or raise insurance rates considerably.

Based on this data, we can arrive at the conclusion that using a $250 deductible will cost in the ballpark of $22 more each month or $264 for a full year than requesting the higher $1,000 deductible. Since you would have to pay $750 more if you turn in a claim with a $1,000 deductible as compared to a $250 deductible, if you tend to average at least 34 months between claims, you would save money if you choose a higher deductible. The numbers below show how this decision is made.

Average monthly premium for $250 deductibles: $92
Average monthly premium for $1,000 deductibles (subtract): - $70
Monthly savings from raising deductible: $22
Difference between deductibles ($1,000 - $250): $750
Divide difference by monthly savings: $750 / $22
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 34 months

An important thing to remember is that raising deductibles results in more money out-of-pocket when you file a claim. You will want to have some extra funds in the event you need to pay the deductible.

Comparison of car insurance rates by gender and age

The example below shows the comparison of Dodge Avenger car insurance rates for male and female drivers. The rates are based on no claims or driving citations, comp and collision included, $100 deductibles, marital status is single, and no discounts are taken into consideration.

Does insurance advertising bend the truth?

Insurance providers like State Farm, GEICO and Progressive seem to constantly run television and radio advertisements. All the companies state the claim of big savings just by moving your coverage to them. That's great but how can every company lower your premium rates?

All the different companies have underwriting criteria for the driver that is profitable for them. A good example of this type of risk profile might have to be a married female, has never had a policy lapse, and has a short commute. Any driver that meets those criteria will probably get the lowest rates and will probably save some money.

Potential insureds who don't measure up to the requirements will have to pay a higher rate and this can result in business going elsewhere. The ad wording is "drivers that switch" not "everybody who quotes" save money. That's the way insurance companies can claim big savings.

Each company has different criteria, so you really should do a rate comparison at every renewal. It is impossible to predict which company will give you lower rates than your current company.

Why you need to buy insurance

Despite the fact that insurance is not cheap in Evansville, insurance is required for several reasons.

The benefits of carrying enough insurance more than cancel out the cost, specifically if you ever have a liability claim. As of last year, the average driver in Indiana overpays as much as $825 a year so we recommend shopping around each time the policy renews to be sure current rates are still competitive.

Score discounts on Evansville car insurance

Not many people think insurance is cheap, but you can get discounts that can drop the cost substantially. Some discounts will apply when you purchase, but some discounts are required to be specially asked for before they will apply.Save money with discounts

A little disclaimer on discounts, some of the credits will not apply to the entire policy premium. The majority will only reduce the price of certain insurance coverages like collision or personal injury protection. So when the math indicates all the discounts add up to a free policy, companies don't profit that way. But any discount should help lower your overall premium however.

Companies that may have many of the previously listed discounts possibly include:

Double check with all companies you are considering the best way to save money. Some discounts listed above may not apply to policyholders everywhere. To view insurers that offer some of these discounts in Indiana, click here.

When to contact an insurance agent

A lot of people just want to visit with an insurance agent and doing that can be a smart decision One of the benefits of comparing rate quotes online is that drivers can save money and get lower rates and still have a local agent. Putting coverage with local insurance agencies is important especially in Evansville.

To help locate an agent, after submitting this quick form, your coverage information gets sent to companies in Evansville that give free quotes for your coverage. You won't need to drive around due to the fact that quote results will go immediately to you. You can get cheaper car insurance rates and an insurance agent to talk to. In the event you want to get a price quote from a specific company, don't hesitate to navigate to their website and fill out the quote form the provide.

Pick the best car insurance agent in Evansville for you

If you are searching for a reliable agent, there are two types of insurance agents that differ in how they can insure your vehicles. Car insurance agencies can be classified as either independent or exclusive depending on the company they work for.

Independent Agencies or Brokers

These agents are not restricted to one company and that allows them to write policies through lots of different companies depending on which coverage is best. If your premiums go up, an independent agent can move your coverage and you stay with the same agent. When comparing car insurance rates, we recommend you compare prices from independent agents to get the best comparison. They often place coverage with additional companies that you may not be familiar with which can save you money.

Shown below is a small list of independent agents in Evansville who can help you get comparison quotes.

More insurance agents

Exclusive Agents

Agents of this type can only write with one company such as Allstate, State Farm and Farm Bureau. Exclusive agents cannot give you multiple price quotes so keep that in mind. Exclusive agents are well trained on their company's products and that allows them to sell at a higher price point. Some consumers prefer to choose to use an exclusive agent partially due to the prominence of the brand and strong financial ratings.

The following is a short list of exclusive agencies in Evansville willing to provide price quotes.

More insurance agents

Finding a good car insurance agent shouldn't rely on just a cheap price. Any agent in Evansville should have no problem answering these questions:

Cheaper coverage is out there

Insureds switch companies for any number of reasons including high prices, not issuing a premium refund, denial of a claim or even unfair underwriting practices. It doesn't matter what your reason, finding a new company is not as hard as you think.

As you shop your coverage around, never sacrifice coverage to reduce premiums. There have been many cases where an accident victim reduced liability limits or collision coverage to discover at claim time that it was a big error on their part. The aim is to buy enough coverage at the best cost while not skimping on critical coverages.

We've covered a lot of ways to get a better price on Dodge Avenger insurance in Evansville. The key thing to remember is the more times you quote, the better likelihood of getting affordable Dodge Avenger insurance quotes. Consumers could even find that the lowest prices come from a smaller regional carrier.

Additional auto insurance information is available below: