Cheap Rates for Dodge Avenger Insurance in Durham

Would you like to buy the cheapest Dodge Avenger insurance in Durham? Paying for expensive Dodge Avenger insurance in Durham can drain your checking account and make it tough to pay other bills. Doing a rate analysis can save money and help to cut your insurance bill.

It’s an obvious conclusion that car insurance companies don’t want policyholders to compare prices from other companies. Drivers who compare other rates are highly likely to switch companies because they have good chances of finding a more affordable policy premium. Surprisingly, a recent survey revealed that drivers who compared prices regularly saved an average of $3,450 over four years compared to other drivers who never shopped around.

If saving the most money on auto insurance is why you’re here, then knowing how to get free comparison quotes and analyze cheaper coverage can help you succeed in finding affordable rates.

Steps to buying affordable Dodge Avenger insurance in Durham

The recommended way to find lower priced Dodge Avenger insurance in Durham is to begin comparing prices regularly from insurers who provide car insurance in North Carolina.

• Step 1: Read and learn about coverages and the measures you can take to prevent expensive coverage. Many risk factors that result in higher rates like careless driving and poor credit can be improved by making minor driving habit or lifestyle changes. Later in this article we will cover more details to lower rates and earn a bigger discount.
• Step 2: Request rate estimates from independent agents, exclusive agents, and direct companies. Direct and exclusive agents can only give rate quotes from one company like Progressive or Allstate, while agents who are independent can give you price quotes from multiple sources.
• Step 3: Compare the new quotes to your existing rates to determine if switching companies saves money. If you find a better price, make sure there is no coverage gap between policies.
• Step 4: Notify your current company of your decision to cancel your current policy and submit a signed application and payment to the new insurer. As soon as you can, safely store the proof of insurance paperwork in an easily accessible location in your vehicle.

A valuable tip to remember is that you’ll want to compare the same liability limits and deductibles on every quote request and to quote with as many auto insurance providers as possible. Doing this ensures an apples-to-apples comparison and maximum price selection.

You have multiple insurance companies to purchase coverage from, and even though it’s nice to have multiple companies, having more auto insurance companies makes it harder to find a good deal for Dodge Avenger insurance in Durham.

Finding the cheapest car insurance coverage in Durham is easy if you know what you’re doing. If you have insurance now or just want to reduce your rates, you can follow these tips to save money without reducing coverage. You just have to know how to get comparison rates from many different companies.

Finding a better price on auto insurance doesn’t have to be difficult. You just need to take the time to get quotes from some recommended companies.

Online shopping is fast and free, and it replaces the need to go to local insurance agencies. Quoting Dodge Avenger insurance online has reduced the need for local agents unless you’re the type of person who wants the professional advice that only a licensed agent can provide. It is possible with some companies find lower rates online and still use a local agent.

The companies shown below provide free rate quotes in North Carolina. If you wish to find cheaper auto insurance in North Carolina, we suggest you get rate quotes from several of them in order to get a fair rate comparison.

Rates and detailed analysis

The premium table below outlines different insurance rates for Dodge Avenger models. Being aware of how policy premiums are established can help drivers make smart choices when choosing a car insurance company.

Above prices assume married male driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and North Carolina minimum liability limits. Discounts applied include claim-free, safe-driver, multi-policy, homeowner, and multi-vehicle. Premium amounts do not factor in specific location which can revise insurance rates greatly.

Higher deductibles lower rates

A question often asked by Durham drivers is the level to set your comp and collision deductibles. The following insurance rates illustrate the differences in premium rates when you buy lower versus higher deductibles. The first rate estimation uses a $250 physical damage coverage deductible and the second price chart uses a $500 deductible.

Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and North Carolina minimum liability limits. Discounts applied include homeowner, safe-driver, multi-vehicle, multi-policy, and claim-free. Estimates do not factor in your specific Durham location which can alter prices greatly.

Based on this data, using a $250 deductible will cost in the ballpark of $11 more each month or $132 a year than selecting the higher $500 deductible. Since you would pay $250 more if you file a claim with a $500 deductible as compared to a $250 deductible, if you normally go at a minimum 23 months between claims, you would come out ahead if you elect the higher deductible.

The example below illustrates how your choice of deductibles and can change Dodge Avenger insurance costs for each age group. The data assumes a single female driver, full coverage, and no discounts are taken into consideration.

Difference between liability only and full coverage rates

The diagram below shows the difference between Dodge Avenger insurance costs when comparing full coverage to state minimum liability only. The data is based on no accidents, no driving violations, $1,000 deductibles, drivers are not married, and no discounts are applied to the premium.

When to stop buying physical damage coverage

There is no exact rule to stop paying for full coverage on your policy, but there is a broad guideline. If the annual cost of coverage is about 10% or more of the replacement cost minus the deductible, then you may need to consider dropping full coverage.

For example, let’s assume your Dodge Avenger settlement value is $3,000 and you have $1,000 deductibles. If your vehicle is totaled in an accident, the most your company would pay you is $2,000 after you pay the deductible. If it’s costing in excess of $200 annually for your policy with full coverage, then it might be time to buy liability only.

There are some situations where dropping physical damage coverage is not financially feasible. If you haven’t paid off your loan, you must maintain physical damage coverage as part of the loan conditions. Also, if you cannot afford to purchase a different vehicle if your current one is damaged, you should not drop full coverage.

Best reasons to buy insurance in North Carolina

Despite the fact that insurance is not cheap in Durham, insurance is not optional due to several reasons.

First, the majority of states have mandatory liability insurance requirements which means the state requires a minimum amount of liability coverage in order to license the vehicle. In North Carolina these limits are 30/60/25 which means you must have $30,000 of bodily injury coverage per person, $60,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.

Second, if you have a lien on your car, most lenders will have a requirement that you have insurance to ensure the loan is repaid in case of a total loss. If you do not pay your insurance premiums, the bank may insure your Dodge for a much higher rate and force you to pay for the expensive policy.

Third, insurance protects not only your car but also your assets. Insurance will also pay for medical expenses that are the result of an accident. One policy coverage, liability insurance, also pays for attorney fees and expenses if you cause an accident and are sued. If you receive damage to your vehicle caused by a storm or accident, your policy will pay to repair the damage minus the deductible amount.

The benefits of buying enough insurance definitely exceed the price paid, especially for larger claims. Today the average American driver overpays more than $820 a year so it’s important to compare rates at every policy renewal to make sure the price is not too high.

Smart Buyers Can Lower Insurance Rates

Many factors are part of the calculation when you quote your car insurance policy. Most are fairly basic such as your driving history, although some other factors are less apparent like where you live or how financially stable you are. Smart consumers have a good feel for the different types of things that help calculate your premiums. If you have a feel for what determines base rates, this helps enable you to make changes that will entitle you to lower premium levels.

The itemized list below are some of the most rate-impacting factors insurance companies consider when setting rates.

Extra policy coverages push up costs – Insurance companies have many additional extra coverages that you can buy on your insurance policy. Coverages like roadside assistance, accident forgiveness, and membership fees are probably not needed. They may seem good when deciding what coverages you need, but if you have no use for them remove them from your policy.

Your credit history is important – Your credit rating is a large factor in determining what you pay for insurance. Insureds with very good credit scores tend to file fewer claims and have better driving records than drivers who have worse credit. If your credit rating is low, you could save money insuring your Dodge Avenger by repairing your credit.

Continuous insurance coverage saves money – Driving any period of time without insurance can get you a ticket and insurance companies will penalize you for letting your insurance coverage expire. And not only will insurance be more expensive, failure to provide proof of insurance may result in a hefty fine and possibly a revoked license. You may have to submit proof of financial responsibility or a SR-22 with the North Carolina DMV.

Bad drivers pay high rates – Just one speeding ticket can boost insurance rates by twenty percent. Attentive drivers receive lower rates compared to bad drivers. Drivers who have received multiple tickets like DUI or willful reckless driving may face state-mandated requirements to complete a SR-22 with their state DMV in order to keep their license.

The example below demonstrates how traffic citations and at-fault claims can raise Dodge Avenger insurance rates for different age groups. The rate quotes are based on a single female driver, comprehensive and collision coverage, $1,000 deductibles, and no discounts are applied.

Women tend to be lower risk – Over the last 30 years, statistics show that men are more aggressive behind the wheel. However, don’t assume that females are better at driving than males. Women and men cause accidents at a similar rate, but the men tend to have more serious accidents. Not only are claims higher, but men receive more major tickets such as reckless driving.

The chart below visualizes the comparison of Dodge Avenger insurance premiums for male and female drivers. The premiums assume no claims or driving violations, full coverage, $250 deductibles, single status, and no discounts are applied to the premium.

Pay lower prices if you’re married – Having a spouse can get you a discount on your insurance bill. Marriage means you’re less irresponsible and insurance companies reward insureds because drivers who are married are more cautious.

File insurance claims and pay more – If you are the type of insured that files lots of claims you shouldn’t be surprised to get higher rates. Car insurance companies in North Carolina generally give better rates to policyholders who file claims infrequently. Insurance coverage is intended to be relied upon for the large, substantial claims.

Does your employer raise your premiums? – Occupations such as military personnel, air traffic controllers, and miners are shown to have the highest average rates attributed to job stress and long work days. On the other hand, careers like professors, historians and homemakers generally pay rates lower than average.

Do you qualify for discounts?

Not many people think insurance is cheap, but you may find discounts that can drop the cost substantially. Some discounts apply automatically at the time of purchase, but occasionally some discounts must be asked for prior to receiving the credit. If you don’t get every credit you deserve, you are not getting the best rate possible.

• Drive Less and Save – Maintaining low annual mileage can qualify you for lower prices due to less chance of an accident.
• Responsible Driver Discounts – Accident-free drivers may save up to 50% more than their less cautious counterparts.
• Student Driver Training – Reduce the cost of insurance for teen drivers by having them participate in a local driver’s education class in school.
• Defensive Driver Discount – Taking time to complete a course that instructs on driving safety could possibly earn you a 5% discount and also improve your driving technique.
• One Accident Forgiven – Not necessarily a discount, but a handful of insurance companies permit an accident without getting socked with a rate hike with the catch being you have to be claim-free for a set time period.
• College Student Discount – College-age children who attend college more than 100 miles from Durham without a vehicle on campus may qualify for this discount.
• New Vehicle Savings – Buying insurance coverage on a new vehicle can get you a discount since newer vehicles are generally safer.
• Paperwork-free – Some of the larger companies will give a small break for buying a policy and signing up on the web.

One last thing about discounts, most discounts do not apply to your bottom line cost. Most only reduce individual premiums such as liability and collision coverage. If you do the math and it seems like you can get free auto insurance, that’s just not realistic.

The illustration below shows the difference between Dodge Avenger car insurance costs with and without some available policy discounts. The information is based on a female driver, no claims, a clean driving record, North Carolina state minimum liability limits, comp and collision included, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with safe-driver, marriage, homeowner, multi-policy, claim-free, and multi-car discounts applied.

A list of car insurance companies and a selection of discounts are detailed below.

• Farm Bureau may have discounts that include renewal discount, multi-policy, safe driver, multi-vehicle, good student, 55 and retired, and driver training.
• State Farm offers premium reductions for student away at school, Steer Clear safe driver discount, defensive driving training, passive restraint, anti-theft, safe vehicle, and good student.
• Progressive has savings for multi-policy, multi-vehicle, homeowner, online signing, and good student.
• Allstate discounts include premier plus, new car, 55 and retired, premier discount, utility vehicle, and resident student.
• Nationwide may include discounts for multi-policy, accident-free, easy pay, good student, and family plan.
• MetLife may offer discounts for defensive driver, claim-free, multi-policy, good student, good driver, and accident-free.

When getting a coverage quote, ask each company the best way to save money. Discounts may not be offered in every state. For a list of companies that can offer you the previously mentioned discounts in North Carolina, click here to view.

Insurance quotes from local Durham insurance agencies

Some consumers just prefer to talk to a local agent and that is recommended in a lot of cases Agents can help you choose the best coverages and give you someone to call. The best thing about getting free rate quotes online is that you can obtain cheap insurance quotes but still work with a licensed agent.

By using this short form, your information is instantly submitted to companies in Durham that can give you free Durham car insurance quotes for your insurance coverage. There is no need to contact any agents due to the fact that quote results will go instantly to you. If you need to quote rates from a specific insurance provider, feel free to navigate to their website and fill out their quote form.

Finding the right provider requires more thought than just the price. Any good agent in Durham should know the answers to these questions.

• Will they give you a referral list?
• Do they carry Errors and Omissions coverage?
• Are claims handled at the agent’s location?
• Are they actively involved in the community?
• What discounts might you be missing?
• Does the agency have a positive business rating?
• Do they prorate repair cost based on vehicle mileage?

The type of car insurance agent you choose is important

When looking for local Durham agents, it’s important to understand the different types of agencies and how they work. Agents can be categorized as either exclusive or independent agents depending on their company appointments. Either one can handle insurance, but it’s important to point out why they differ because it may have an impact on which type of agent you select.

Exclusive Agencies

Agents of this type can usually just insure with one company like American Family, State Farm, and Allstate. These agents are unable to provide rate quotes from other companies so keep that in mind. Exclusive insurance agents receive a lot of sales training on their company’s products which helps offset the inability to provide other markets.

The following is a list of exclusive insurance agents in Durham willing to provide comparison quotes.

More Durham agents

Independent Insurance Agents

Independent agents can quote rates with many companies so they can quote policies through many different insurance companies and possibly get better coverage at lower prices. If they quote lower rates, an independent agent can move your coverage and the insured can keep the same agent.

When comparing rates, we recommend you compare prices from at a minimum one independent agency to have the best price comparison.

Shown below are independent insurance agencies in Durham that are able to give price quote information.

More Durham agents

Upon receiving good answers to any questions you may have and an acceptable price quote, you may have found an insurance agent that is professional and can adequately provide insurance. Just keep in mind it’s your policy and you can cancel a policy at any time so never feel you are locked into your new company for a certain time period.

In the end, you can save money

We’ve covered many ideas to shop for Dodge Avenger insurance online. The key thing to remember is the more quotes you get, the more likely it is that you will get a better rate. Drivers may even discover the best price on auto insurance is with the smaller companies. These smaller insurers may often insure only within specific states and give better rates than the large multi-state companies such as Allstate or State Farm.

Cheap Dodge Avenger insurance in Durham is attainable on the web in addition to local insurance agencies, and you need to price shop both in order to have the best chance of saving money. Some insurance companies don’t offer online price quotes and most of the time these smaller companies prefer to sell through local independent agencies.

Steps to buying lower priced Dodge Avenger insurance in Durham

The easiest way to get affordable auto insurance rates in Durham is to start doing an annual price comparison from different companies who sell auto insurance in North Carolina. You can compare rates by following these steps.

• Step 1: Spend some time learning about how auto insurance works and the changes you can make to prevent rate increases. Many risk factors that cause high rates such as traffic citations and a negative credit history can be rectified by being financially responsible and driving safely.
• Step 2: Compare price quotes from direct, independent, and exclusive agents. Exclusive agents and direct companies can give quotes from one company like Progressive or Farmers Insurance, while independent agents can provide prices from multiple companies.
• Step 3: Compare the new rate quotes to your current policy to see if cheaper Avenger coverage is available. If you can save some money and decide to switch, verify that coverage does not lapse between policies.
• Step 4: Provide proper notification to your current company to cancel your current car insurance policy and submit the required down payment along with the signed application to the newly selected company. Once coverage is bound, safely store the certificate verifying proof of insurance above your visor, in the console, or in the glove compartment.

An important part of this process is to compare the same coverage limits and deductibles on every quote request and and to analyze every company you can. This helps ensure a level playing field and plenty of rates choose from.

For more information, take a look at the articles below:

• Older Drivers FAQ (iihs.org)
• Who Has Affordable Auto Insurance for Low Income Drivers in Durham? (FAQ)
• Who Has Cheap Car Insurance Rates for Drivers Over Age 70 in Durham? (FAQ)
• Rental Reimbursement Coverage (Allstate)
• Can I Drive Legally without Insurance? (Insurance Information Institute)
• Speed and Speed Limit FAQ (iihs.org)
• State Car Insurance Guides (GEICO)