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.

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.

Insurance rates Dodge Avenger in AuroraAmazingly, a recent 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.Discount auto insurance

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.

Dodge Avenger Insurance Rates in Aurora, CO
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Avenger Express $294 $630 $404 $24 $122 $1,474 $123
Avenger R/T $294 $630 $404 $24 $122 $1,474 $123
Avenger SXT $294 $630 $404 $24 $122 $1,474 $123
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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.

Dodge Avenger insurance premium rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Avenger Express $272 $538 $396 $24 $118 $1,373 $114
Avenger R/T $272 $538 $396 $24 $118 $1,373 $114
Avenger SXT $272 $538 $396 $24 $118 $1,373 $114
Get Your Own Custom Quote Go

Dodge Avenger insurance premium rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Avenger Express $220 $434 $396 $24 $118 $1,192 $99
Avenger R/T $220 $434 $396 $24 $118 $1,192 $99
Avenger SXT $220 $434 $396 $24 $118 $1,192 $99
Get Your Own Custom Quote Go

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.

Calculate deductible break even point

Average monthly premium for $250 deductibles: $114
Average monthly premium for $500 deductibles (subtract): – $99
Monthly savings from raising deductible: $15
Difference between deductibles ($500 – $250): $250
Divide difference by monthly savings: $250 / $15
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 17 months

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.Higher deductibles save money

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

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.

Insurance agents in AuroraUpon 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.

Amercian Affordable Insurance: Arthur Blaszczyszn
10660 E Bethany DrAurora, CO 80014(303) 577-9998View Map

A All City Auto Insurance
9720 E Colfax AveAurora, CO 80010(303) 364-0555View Map

13693 E Iliff AveAurora, CO 80014(303) 755-8600View Map

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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.

13750 E Rice Pl Ste 101Aurora, CO 80015(303) 680-6666View Map

2821 S Parker Rd #235Aurora, CO 80014(720) 789-7980View Map

3140 S Parker Rd #2Aurora, CO 80014(303) 699-2800View Map

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.

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.

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