Affordable Insurance for a Dodge Avenger in Aurora

The preferred way to get low-cost auto insurance rates in Aurora is to compare quotes annually from companies in Colorado.

• Step 1: Read about how auto insurance works and the changes you can make to prevent expensive coverage. Many things that cause high rates like accidents, traffic violations, and a low credit rating can be rectified by improving your driving habits or financial responsibility. Later in this article we will cover ideas to prevent rate hikes and get discounts that may be available to you.
• Step 2: Request rate estimates from exclusive agents, independent agents, and direct providers. Direct companies and exclusive agencies can only give prices from a single company like GEICO and State Farm, while independent agents can provide prices for many different companies.
• Step 3: Compare the price quotes to your current policy premium to see if cheaper Avenger coverage is available in Aurora. If you can save some money and make a switch, make sure there is no lapse between the expiration of your current policy and the new one.
• Step 4: Tell your current company of your intent to cancel the current policy. Submit payment and a signed application to the new company. As soon as you receive it, safely store the certificate verifying proof of insurance with your vehicle’s registration.

A good tip to remember is that you’ll want to compare the same level of coverage on every quote request and and to get prices from as many companies as feasibly possible. Doing this ensures the most accurate price comparison and plenty of rates choose from.

Amazingly, a recent NerdWallet.com study showed that a large majority of insurance policyholders renewed their policy with the same company for at least the last four years, and practically 40% of insurance customers have never even compared quotes to find cheaper rates. Many consumers in Aurora could save approximately 35% every year just by getting comparison quotes, but they just assume it’s a time-consuming process to compare other rate quotes.

You may qualify for discounts for Dodge Avenger insurance in Aurora

Some insurers don’t always publicize all discounts in a way that’s easy to find, so we researched a few of the more well known and the harder-to-find discounts that you may qualify for.

• Distant College Student Discount – Youth drivers who live away from home to go to college and do not take a car to college could get you a discount.
• More Vehicles More Savings – Buying insurance for more than one vehicle with the same auto insurance company can reduce rates for all insured vehicles.
• Include Life Insurance and Save – Some insurance companies give a discounted price on car insurance if you buy a life insurance policy as well.
• Air Bags and Passive Restraints – Factory options such as air bags or motorized seat belts can receive discounts of 20 to 30 percent.
• Sign Early and Save – A few companies offer discounts for renewing your policy early. It could save around 10% when you buy Aurora auto insurance online.
• Theft Deterrent System – Cars with anti-theft systems are stolen less frequently and therefore earn up to a 10% discount.
• First Accident Forgiveness – This one isn’t a discount, but companies like Liberty Mutual, Allstate and State Farm may permit one accident without getting socked with a rate hike so long as you are claim-free prior to being involved in the accident.

It’s important to understand that some of the credits will not apply to the entire cost. Most cut the price of certain insurance coverages like liability, collision or medical payments. Even though the math looks like you would end up receiving a 100% discount, company stockholders wouldn’t be very happy.

The information below shows the comparison of Dodge Avenger premium costs with and without discounts applied. The premiums assume a male driver, no claims or driving violations, Colorado state minimum liability limits, full physical damage coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with homeowner, marriage, multi-policy, safe-driver, claim-free, and multi-car discounts applied.

To see auto insurance companies with the best discounts in Aurora, follow this link.

Free Aurora Dodge Avenger insurance price quotes

Most companies like State Farm and Allstate allow consumers to get insurance quotes online. This process is easy for anyone as you simply enter your personal and coverage information into the quote form. Behind the scenes, the system will obtain credit information and your driving record and returns a price quote based on many factors. Quoting online for Dodge Avenger insurance in Aurora makes it easy to compare insurance prices and it’s very important to do this if you are searching for lower-cost car insurance pricing.

To find out how much you’re overpaying now, compare rate quotes from the providers shown below. If you currently have coverage, we recommend you replicate deductibles and limits as shown on your current policy. This way, you are getting a fair comparison based on the exact same insurance coverage.

The providers in the list below provide free rate quotes in Colorado. In order to find the best cheap car insurance in Aurora, we recommend you visit as many as you can to get the most competitive price.

Dodge Avenger insurance rate analysis

The information below outlines a range of coverage costs for Dodge Avenger models. Having knowledge of how car insurance prices are formulated can help drivers make smart choices when purchasing an insurance policy.

Data assumes married female driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and Colorado minimum liability limits. Discounts applied include homeowner, multi-vehicle, multi-policy, claim-free, and safe-driver. Premium amounts do not factor in the specific area where the vehicle is garaged which can raise or lower prices significantly.

Where to set your deductibles

One of the most common insurance questions is how high should the physical damage deductibles be. The following tables illustrate the rate differences of buying low and high physical damage deductibles. The first pricing table uses a $250 physical damage coverage deductible and the second price chart uses a $500 deductible.

Above prices assume married male driver age 30, no speeding tickets, no at-fault accidents, and Colorado minimum liability limits. Discounts applied include safe-driver, multi-vehicle, claim-free, homeowner, and multi-policy. Table data does not factor in specific zip code location which can revise premiums significantly.

Based on this data, using a $250 deductible costs about $15 more each month or $180 a year than selecting the higher $500 deductible. Because you would be required to pay $250 more out-of-pocket with a $500 deductible as compared to a $250 deductible, if you tend to go more than 17 months between claim filings, you would come out ahead if you opt for a higher deductible.

One big caveat is that raising deductibles to save money means you pay more out-of-pocket if you have a claim. You need to make sure you have some extra savings in the event you need to pay the deductible for vehicle repair.

The chart below highlights how deductible selection and can change Dodge Avenger annual premium costs for different ages of insureds. The rate quotes are based on a single male driver, comp and collision included, and no discounts are applied.

When in doubt talk to an agent

When quoting and choosing the right insurance coverage for your personal vehicles, there is no single plan that fits everyone. Each situation is unique.

For example, these questions may help you determine whether or not you would benefit from an agent’s advice.

• Which companies will insure me after a DUI?
• What is UM/UIM insurance?
• Is my state a no-fault state?
• Am I insured when driving a different vehicle?
• Does coverage extend to Mexico or Canada?
• Do I have coverage when making deliveries for my home business?
• Does my policy cover me if I wreck while driving under the influence?

If you’re not sure about those questions but you know they apply to you, you might consider talking to a licensed insurance agent. To find an agent in your area, take a second and complete this form. It only takes a few minutes and may give you better protection.

Local Aurora insurance agents

A lot of people would rather talk to an insurance agent and that is OK! Good agents will help you protect your assets and help file insurance claims. One of the benefits of getting free rate quotes online is the fact that drivers can get the lowest rates and still choose a local agent. Supporting local insurance agencies is still important in Aurora.

Upon completion of this form (opens in new window), your insurance coverage information is transmitted to local insurance agents in Aurora that can give you free Aurora auto insurance quotes for your business. There is no need to search for any insurance agencies because quoted prices will be sent to you. If for some reason you want to get a comparison quote from a specific car insurance provider, you just need to search and find their rate quote page and fill out their quote form.

If you want to use a local Aurora insurance agency, there are two types of insurance agents and how they can quote your rates. Car insurance agents can be classified as either exclusive or independent. Either type can sell and service car insurance coverage, but it’s worth learning why they differ since it can affect which agent you choose.

Independent Insurance Agents

These type of agents are not employed by one company and that gives them the ability to insure with multiple insurance companies and get the cheapest rates. If prices rise, your policy is moved internally and you stay with the same agent. If you are trying to find cheaper rates, you need to include rate quotes from a few independent agents for the best price selection.

The following are Aurora independent agents that may be able to give free car insurance rate quotes.

More insurance agents

Exclusive Agencies

These agents normally can only provide a single company’s rates like State Farm, AAA, and Liberty Mutual. These agents are not able to shop your coverage around so they are skilled at selling on more than just price. They receive extensive training on sales techniques which helps them compete with independent agents.

The following is a short list of exclusive agencies in Aurora that can give you price quote information.

More insurance agents

Finding the right insurance agent is decision based upon more than just a cheap quote. Any agent in Aurora should be willing to answer these questions.

• What company holds the largest book of business for them?
• When do they do policy reviews?
• Does the company have a local claim office in Aurora?
• Does the agency have a positive business rating?
• Is the agency involved in supporting local community causes?
• Does the agent have a valid license to sell insurance in Colorado?

After receiving positive responses to all your questions and a low price estimate, chances are good that you have found an auto insurance agent that is professional and can properly service your car insurance policy. Just be aware that you can always cancel coverage for any reason so never feel that you are permanently stuck with any specific agency with no way to switch.

You can lower your car insurance rates

As you restructure your insurance plan, don’t be tempted to sacrifice coverage to reduce premiums. In many instances, an insured dropped liability coverage limits only to regret that the few dollars in savings costed them thousands. Your strategy should be to purchase a proper amount of coverage at the best possible price while still protecting your assets.

Insureds who switch companies do it for any number of reasons including policy non-renewal, lack of trust in their agent, extreme rates for teen drivers or even delays in paying claims. It doesn’t matter why you want to switch choosing a new insurance company can be easy and end up saving you some money.

Budget-conscious Dodge Avenger insurance can be found from both online companies and also from your neighborhood Aurora agents, and you should be comparing both to get a complete price analysis. A few companies don’t offer price quotes online and most of the time these small, regional companies work with local independent agencies.

Additional detailed information is located at these sites:

• Teen Driving Statistics (GEICO)
• Who Has Cheap Aurora Auto Insurance for Seniors? (FAQ)
• Who Has Cheap Aurora Auto Insurance Rates for Drivers Under 25? (FAQ)
• How Much is Aurora Auto Insurance for Uninsured Drivers? (FAQ)
• Auto Insurance Facts and Statistics (Insurance Information Institute)
• How Can I Save Money on Auto Insurance? (Insurance Information Institute)
• Shopping for a Safe Car (Insurance Information Institute)