Dodge Avenger Insurance Rates in Denver

Insurance quote for Dodge Avenger in DenverWant 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.

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.

Dodge Avenger Insurance Rates in Denver, CO
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Avenger Express $260 $630 $416 $24 $124 $1,454 $121
Avenger R/T $152 $312 $408 $24 $122 $1,018 $85
Avenger SXT $260 $630 $448 $26 $134 $1,498 $125
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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.

Dodge Avenger insurance rates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Avenger Express $302 $644 $396 $24 $118 $1,509 $126
Avenger R/T $302 $644 $396 $24 $118 $1,509 $126
Avenger SXT $302 $644 $396 $24 $118 $1,509 $126
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Dodge Avenger insurance rates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Avenger Express $168 $340 $396 $24 $118 $1,046 $87
Avenger R/T $168 $340 $396 $24 $118 $1,046 $87
Avenger SXT $168 $340 $396 $24 $118 $1,046 $87
Get Your Own Custom Quote Go

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.

Average monthly premium for $100 deductibles: $126
Average monthly premium for $1,000 deductibles (subtract): – $87
Monthly savings from raising deductible: $39
Difference between deductibles ($1,000 – $100): $900
Divide difference by monthly savings: $900 / $39
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 23 months

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.

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.Auto insurance discounts

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.

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.

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

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: