Discount Dodge Avenger insuranceWould you prefer to buy more competitive Dodge Avenger insurance in Indianapolis? If price shopping Indianapolis car insurance quotes online is new to you, most likely you are confused thanks to the incredible selection local agents and online companies all offering big savings in Indianapolis.

Shocking but true, the vast majority of drivers have bought insurance from the same company for four years or more, and just short of a majority have never even compared rates from other companies. Most drivers in Indiana could save an average of roughly $700 each year, but they don't understand how simple it is to do a rate comparison.

It's a great practice to check insurance prices on a regular basis since insurance rates are rarely the same from one policy term to another. Just because you had the best deal on Dodge Avenger insurance in Indianapolis last year there may be better deals available now. Forget anything you know (or think you know) about insurance because you're about to find out one of the quickest ways to save money, get proper deductibles and limits, all at the lowest rate.

If you have coverage now, you will most likely be able to cut your premiums using these methods. The purpose of this article is to help you learn how insurance works and some tricks to saving. But Indiana vehicle owners benefit from understanding the way companies market insurance on the web because rates are impacted by many factors.

Best Dodge Avenger insurance rates in Indiana

The companies shown below offer comparison quotes in Indiana. If several companies are displayed, we recommend you click on several of them in order to find the most affordable rates.

Dodge Avenger Insurance Price Estimates in Indianapolis, 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 $236 $592 $384 $22 $114 $1,348 $112
Avenger SXT $152 $340 $358 $22 $108 $980 $82
Get Your Own Custom Quote Go

Table data represents single female driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Indiana minimum liability limits. Discounts applied include homeowner, multi-vehicle, safe-driver, claim-free, and multi-policy. Rates do not factor in the specific area where the vehicle is garaged which can lower or raise prices greatly.

How high should deductibles be?

One common question asked by Indianapolis drivers is at what level do you set your deductibles. The comparisons below highlight the differences in premium rates between low and high coverage deductibles. The first pricing table uses a $100 physical damage coverage deductible and the second pricing table uses a $500 deductible.

Dodge Avenger insurance policy rates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Avenger Express $242 $514 $318 $18 $94 $1,211 $101
Avenger R/T $242 $514 $318 $18 $94 $1,211 $101
Avenger SXT $242 $514 $318 $18 $94 $1,211 $101
Get Your Own Custom Quote Go
Dodge Avenger insurance policy rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Avenger Express $176 $348 $318 $18 $94 $954 $80
Avenger R/T $176 $348 $318 $18 $94 $954 $80
Avenger SXT $176 $348 $318 $18 $94 $954 $80
Get Your Own Custom Quote Go

Price data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Indiana minimum liability limits. Discounts applied include claim-free, homeowner, multi-policy, safe-driver, and multi-vehicle. Rate quotes do not factor in vehicle location which can raise or lower coverage prices greatly.

Based on the figures above, using a $100 deductible costs an average of $21 more each month or $252 a year than buying the higher $500 deductible. Since you would have to pay $400 more out-of-pocket with a $500 deductible as compared to a $100 deductible, if you normally go more than 19 months between claim filings, you would come out ahead if you opt for a higher deductible.

Physical damage deductible comparison

The example below illustrates how your deductible choice and can affect Dodge Avenger insurance costs for each different age group. The costs are based on a single female driver, comp and collision included, and no discounts are taken into consideration.

Cheaper rates with these nine discounts

The cost of insuring your cars can be expensive, but you might be missing out on some discounts that can dramatically reduce your bill. Many of these discounts will be applied automatically when you get a quote, but lesser-known reductions have to be requested specifically in order for you to get them.Cheaper car insurance with discounts

Don't be surprised that many deductions do not apply to the entire policy premium. Most only apply to the cost of specific coverages such as medical payments or collision. So even though you would think you could get a free car insurance policy, company stockholders wouldn't be very happy.

Auto insurance companies that have many of the previously listed discounts are:

Before buying, ask every prospective company which discounts you qualify for. A few discounts might not be offered in your state.

Different people need different auto insurance coverages

When it comes to your policy, there really isn't a "best" method to buy coverage. Every insured's situation is different.Higher deductibles save money

For example, these questions might point out if your insurance needs may require specific advice.

If it's difficult to answer those questions but a few of them apply then you might want to talk to a licensed insurance agent. If you want to speak to an agent in your area, complete this form.

Compare rate quotes but work with a local Indianapolis insurance agency

Some people just prefer to buy from a local agent and that is OK! The best thing about comparing rate quotes online is you can get the best rates and still have a local agent.

Find insurance agent in IndianapolisTo make it easy to find an agent, after completing this short form, the coverage information is submitted to local insurance agents who will give competitive quotes for your insurance coverage. You don't have to contact any agents since rate quotes are delivered to your email. You can get cheaper insurance rates and an insurance agent to talk to. If you wish to quote rates from one company in particular, don't hesitate to search and find their rate quote page and submit a quote form there.

Picking a insurance company is decision based upon more than just the premium amount. You should also get answers to these questions.

Parts of your insurance policy

Knowing the specifics of insurance aids in choosing appropriate coverage and proper limits and deductibles. The terms used in a policy can be difficult to understand and coverage can change by endorsement.

Auto liability insurance

This provides protection from injuries or damage you cause to a person or their property. This coverage protects you against claims from other people, and does not provide coverage for damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see values of 25/50/10 which means $25,000 bodily injury coverage, a limit of $50,000 in injury protection per accident, and a total limit of $10,000 for damage to vehicles and property.

Liability can pay for claims like repair costs for stationary objects, court costs, bail bonds and funeral expenses. The amount of liability coverage you purchase is a personal decision, but it's cheap coverage so purchase higher limits if possible. Indiana requires drivers to carry at least 25/50/10 but you should think about purchasing more coverage.

Collision insurance

This pays for damage to your Avenger caused by collision with another car or object. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers claims like crashing into a building, scraping a guard rail, sustaining damage from a pot hole, sideswiping another vehicle and backing into a parked car. This coverage can be expensive, so analyze the benefit of dropping coverage from lower value vehicles. You can also choose a higher deductible on your Avenger to get cheaper collision coverage.

Coverage for medical expenses

Medical payments and Personal Injury Protection insurance provide coverage for expenses for rehabilitation expenses, X-ray expenses and prosthetic devices. They are used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. Coverage applies to you and your occupants in addition to if you are hit as a while walking down the street. Personal injury protection coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage

Coverage for uninsured or underinsured drivers

Uninsured or Underinsured Motorist coverage protects you and your vehicle when the "other guys" either are underinsured or have no liability coverage at all. Covered claims include medical payments for you and your occupants as well as damage to your Dodge Avenger.

Since many Indiana drivers carry very low liability coverage limits (25/50/10 in Indiana), their liability coverage can quickly be exhausted. That's why carrying high Uninsured/Underinsured Motorist coverage is very important.

Comprehensive insurance

Comprehensive insurance pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers claims like damage from flooding, hitting a deer, hail damage, rock chips in glass and a tree branch falling on your vehicle. The most your insurance company will pay is the market value of your vehicle, so if the vehicle's value is low it's probably time to drop comprehensive insurance.

How much can you save?

When trying to cut insurance costs, it's very important that you do not skimp on critical coverages to save a buck or two. There are many occasions where drivers have reduced uninsured motorist or liability limits to discover at claim time that the few dollars in savings costed them thousands. The proper strategy is to get the best coverage possible at the best possible price, but don't skip important coverages to save money.

Cheaper insurance in Indianapolis is available both online and from local agencies, and you need to comparison shop both to have the best chance of lowering rates. Some insurance companies do not offer online price quotes and most of the time these regional carriers prefer to sell through independent insurance agencies.

Drivers leave their current company for a number of reasons such as poor customer service, not issuing a premium refund, denial of a claim and questionable increases in premium. Regardless of your reason for switching companies, switching insurance companies is not as hard as you think.

For more information, feel free to browse these articles: