Dodge Avenger Insurance Rates in Denver

Want lower-priced Dodge Avenger insurance in Denver? Shopping for cheap Denver Dodge Avenger insurance quotes might appear difficult for people not familiar with shopping for insurance online. With so many options of online companies available, how are we expected to possibly compare every insurance company to find the cheapest rates?

Inconceivable but true, nearly 70% of drivers have stayed with the same insurance company for four years or more, and 38% of drivers have never even compared rates from other companies. Colorado consumers can save 35% each year by just comparing rate quotes, but most tend to underestimate the rate savings if they just switched companies.

You Can Change Your Insurance Rates

The best way to find cheaper insurance is to take a look at a few of the rating criteria that help calculate insurance rates. When you understand what determines base rates, this enables informed choices that can help you get lower premium levels. Lots of things are used in the calculation when you quote your car insurance policy. A few of the factors are predictable such as your driving record, but other criteria are more transparent like your vehicle usage or your vehicle rating.

The factors shown below are some of the factors companies use to determine prices.

• Drive a safer car and pay less – Safer cars tend to be cheaper to insure. The safest vehicles reduce occupant injuries and fewer injuries means less claims paid which can result in lower premiums.
• Extra policy coverages are wasting money – There are a ton of optional add-on coverages that can add up on your Avenger policy. Add-on coverages like vanishing deductibles, accident forgiveness, and motor club memberships are some examples. They may seem like a good idea when discussing your needs, but if you don’t need them get rid of them and save.
• Rates can drop if you have more than one policy – Some insurance companies will award a discount for people that have more than one policy such as combining an auto and homeowners policy. Discounts can be anywhere from five to ten percent in most cases. Even if you’re getting this discount it’s in your best interest to compare other company rates to verify if the discount is saving money.
• Pay more out-of-pocket – The deductibles tell how much you are willing to pay if you file a covered claim. Insurance for physical damage to your car, termed comprehensive and collision coverage on your policy, protects your car from damage. Some coverage claims are collision with another vehicle, vandalism, and damage caused by road hazards. The more you choose to pay out-of-pocket, the lower your rates will be.
• Fast cars cost more to insure – The performance of the car, truck or SUV you are insuring makes a big difference in your rates. The best insurance prices are generally reserved for economy passenger cars, but the final cost of insurance is determined by many other factors. Because the Dodge Avenger is a passenger car, insuring your vehicle will cost similar in price or lower than the average rate where you live in Denver.

Many insurance companies such as Allstate, GEICO and Progressive allow consumers to get price estimates on their websites. Getting Dodge Avenger insurance prices online can be done by anyone as all you need to do is type in your personal and coverage information as detailed in the form. After you submit the form their system will order reports for credit and driving violations and provides a quote.

This simplifies rate comparisons, and it’s absolutely necessary to perform this step in order to find a better rate.

To quickly compare rates using this form now, visit the companies below or click here to submit a quote request to multiple companies at once. If you have coverage now, it’s recommended you duplicate the limits and deductibles just like they are on your policy. This ensures you are getting a rate comparison based on similar coverages.

The following companies offer price quotes in Denver, CO. If several companies are displayed, we suggest you visit as many as you can in order to get a fair rate comparison.

Above prices assume single female driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and Colorado minimum liability limits. Discounts applied include safe-driver, claim-free, multi-vehicle, homeowner, and multi-policy. Prices do not factor in vehicle garaging location which can change premium rates substantially.

Physical damage deductibles

The illustration below highlights how deductible selection and can affect Dodge Avenger premium costs for different age groups of insureds. The premiums assume a married female driver, full coverage, and no discounts are taken into consideration.

Age, gender, and Dodge Avenger insurance

The information below shows the comparison of Dodge Avenger auto insurance rates for male and female drivers. The prices are based on no violations or accidents, comp and collision included, $1,000 deductibles, single marital status, and no additional discounts are factored in.

Physical damage deductible comparison

When buying car insurance, a common question is which deductibles should you choose. The data tables below may aid in understanding how much more you’ll pay when you buy lower versus higher physical damage coverage deductibles. The first set of rates uses a $100 deductible for physical damage and the second data table uses a $1,000 deductible.

Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and Colorado minimum liability limits. Discounts applied include multi-vehicle, homeowner, safe-driver, claim-free, and multi-policy. Price estimates do not factor in specific location information which can alter prices noticeably.

Based on the above data, using a $100 deductible could cost the average driver approximately $39 more each month or $468 annually than buying the higher $1,000 deductible. Because you would be required to pay $900 more out of your own pocket with a $1,000 deductible as compared to a $100 deductible, if you have at a minimum 23 months between claims, you would save more money if you choose the higher deductible. Here is the way you can do this calculation yourself.

One important caveat is that a higher deductible level results in having to pay to pay more out-of-pocket when you have a comprehensive or collision claim. You should have access to more funds in the event you have to pay the deductible to have repairs made.

Drivers who switch save $488 a year? Really?

Well-known car insurance companies like Allstate, GEICO and Progressive endlessly run television and radio advertisements. All the companies state the claim that drivers will save a bundle if you change your policy. But how can every company cost less than your current company? It’s all in the wording.

Insurance companies have underwriting criteria for the type of driver that earns them the highest profit. An example of a profitable insured may need to be over the age of 40, has no claims, and drives less than 10,000 miles a year. Anyone that hits that “sweet spot” will get very good Denver rates and as a result will probably save quite a bit of money when switching.

Consumers who are not a match for the “perfect” profile must pay a higher rate and this can result in business not being written. The wording the ads use say “people who switch” not “everyone who quotes” save that much money. That’s the way insurance companies can lure you into getting a quote. This really drives home the point why you really need to get as many free Denver auto insurance quotes as possible. It’s just not possible to know with any certainty which company will have the lowest premium rates for your situation.

Why you need to buy car insurance

Despite the potentially high cost of Dodge Avenger insurance, insurance serves a purpose in several ways.

• Almost all states have mandatory liability insurance requirements which means you are required to carry a minimum amount of liability insurance coverage in order to drive the car legally. In Colorado these limits are 25/50/15 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $15,000 of property damage coverage.
• If you bought your Dodge Avenger with a loan, it’s guaranteed your bank will force you to have physical damage coverage to ensure loan repayment if the vehicle is totalled. If you let the policy lapse, the lender may have to buy a policy to insure your Dodge at a much higher rate and force you to pay much more than you were paying before.
• Insurance protects not only your car but also your financial assets. It will also reimburse you for medical transport and hospital expenses for you, your passengers, and anyone else injured in an accident. Liability insurance will also pay for a defense attorney if someone files suit against you as the result of an accident. If you receive damage to your vehicle caused by a storm or accident, comprehensive and collision coverage will pay all costs to repair after the deductible has been paid.

The benefits of carrying enough insurance more than offset the price you pay, especially with large liability claims. As of last year, the average driver in Colorado overpays as much as $800 each year so it’s important to compare rates at every renewal to save money.

Auto insurance policy discounts for Dodge Avenger insurance in Denver

Some providers don’t always publicize all possible discounts very well, so below is a list some of the more common and also the lesser-known discounts you could be receiving when you buy Denver auto insurance online. If they aren’t giving you every credit available, you may be paying too high a price.

• Senior Discount – Drivers that qualify as senior citizens may receive a slight reduction on a Denver auto insurance quote.
• Pay Now and Pay Less – If you pay your bill all at once instead of monthly or quarterly installments you may have a lower total premium amount.
• Sign Online – A handful of companies provide a small discount for buying your policy on their website.
• Bundled Policy Discount – If you have multiple policies and place coverage with the same company you could earn a discount of up to 20% off your total Avenger insurance premium.
• Driving Data Discount – Policyholders that allow driving data collection to scrutinize driving habits by installing a telematics device like Allstate’s Drivewise could see a rate decrease if they exhibit good driving behavior.
• Claim Free – Denver drivers who stay claim-free can earn big discounts when compared with insureds who have frequent claims or accidents.
• Waiver for an Accident – This one isn’t a discount, but a few companies such as Progressive and Allstate will turn a blind eye to one accident without the usual rate increase so long as you are claim-free for a particular time prior to the accident.
• Discount for Home Ownership – Just being a homeowner may earn you a small savings because owning a home is proof of financial responsibility.
• Anti-theft Discount – Cars optioned with advanced anti-theft systems are stolen with less frequency and can earn a small discount on your policy.

As is typical with insurance, some of the credits will not apply to the entire policy premium. A few only apply to the cost of specific coverages such as comp or med pay. So when it seems like having all the discounts means you get insurance for free, companies don’t profit that way. Any qualifying discounts will bring down your premiums.

A list of companies and some of the premium reductions they offer are detailed below.

• State Farm may include discounts for multiple autos, driver’s education, Steer Clear safe driver discount, passive restraint, and student away at school.
• American Family offers discounts including accident-free, defensive driver, air bags, early bird, mySafetyValet, multi-vehicle, and bundled insurance.
• AAA offers discounts for multi-policy, pay-in-full, good driver, education and occupation, AAA membership discount, and good student.
• GEICO policyholders can earn discounts including emergency military deployment, military active duty, seat belt use, air bags, membership and employees, anti-lock brakes, and five-year accident-free.
• Mercury Insurance discounts include annual mileage, multi-car, multi-policy, type of vehicle, good driver, accident-free, and ease of repair.
• Farmers Insurance has savings for early shopping, multi-car, business and professional, distant student, bundle discounts, pay in full, and mature driver.
• Progressive may offer discounts for good student, online quote discount, multi-vehicle, continuous coverage, and online signing.

Double check with every insurance company which discounts you may be entitled to. Some credits may not apply in every state. To view companies with discount rates in Colorado, click this link.

When to have guidance from a local insurance agent

Certain consumers just want to talk to a local agent and that is OK! One of the great benefits of comparing rate quotes online is that you can find lower rates but also keep your business local.

To make it easy to find an agent, after completing this form (opens in new window), your insurance coverage information is immediately sent to insurance agents in Denver that give free quotes for your insurance coverage. There is no reason to drive around due to the fact that quote results will go directly to your email. You can most likely find cheaper rates and a licensed agent to talk to. In the event you want to get a price quote from a specific insurance provider, you just need to jump over to their website to submit a rate quote request.

Choosing an company needs to be determined by more than just a cheap price quote. Before buying a policy in Denver, get answers to these questions.

• If you are a high risk driver, do they have special markets for your coverage?
• Are glass claims handled on-site or do you have to take your vehicle to a repair shop?
• Do they carry Errors and Omissions coverage?
• How often do they review policy coverages?
• How long has the business existed?

Below are Denver auto insurance companies that may be willing to give rate quotes for Dodge Avenger insurance in Denver.

• Kelly Wells – State Farm Insurance Agent
  1855 S Pearl St Ste 100 – Denver, CO 80210 – (303) 862-4579 – View Map
• Henry Ham Agency, Inc
  645 E Evans Ave – Denver, CO 80210 – (303) 744-1341 – View Map
• Dagley Insurance and Financial Services Inc
  2055 S Federal Blvd – Denver, CO 80219 – (303) 975-1229 – View Map
• Hiram Licea – State Farm Insurance Agent
  3600 Morrison Rd – Denver, CO 80219 – (303) 935-7475 – View Map

More Denver agents

Frequent quotes can save

As you quote Denver auto insurance, it’s not a good idea to reduce needed coverages to save money. There are a lot of situations where an insured dropped comprehensive coverage or liability limits only to discover later that the small savings ended up costing them much more. The goal is to buy a smart amount of coverage at an affordable rate, but don’t skip important coverages to save money.

Consumers leave their current company for a variety of reasons including policy non-renewal, policy cancellation, an unsatisfactory settlement offer or high prices. Regardless of your reason, choosing a new insurance company is not as hard as you think.

There are still a few companies who may not provide rate quotes online and many times these regional carriers sell through local independent agencies. Discount Dodge Avenger insurance is possible on the web and from local agencies, and you should be comparing both to have the best selection.

More information is located on the following sites:

• Distracted Driving Extends Beyond Texting (State Farm)
• How Much are Auto Insurance Quotes for Good Students in Denver? (FAQ)
• Who Has the Cheapest Denver Auto Insurance Quotes for Drivers Under 25? (FAQ)
• Who Has the Cheapest Denver Auto Insurance for Drivers Over Age 70? (FAQ)
• Who Has Affordable Auto Insurance Quotes for Good Drivers in Denver? (FAQ)
• Who Has Cheap Denver Auto Insurance for Lyft Drivers? (FAQ)
• How Much is Denver Car Insurance for a GMC Acadia? (FAQ)
• Pickups fall short in headlight tests (Insurance Institute for Highway Safety)
• Insuring a Leased Car (Insurance Information Institute)
• Bodily Injury Coverage (Liberty Mutual)