Finding low-cost insurance for a Dodge Avenger in Texas can turn out to be a painful process, but you can learn a few tricks to make it easier. There are both good and bad ways to find auto insurance online and we’ll show you the best way to compare rates for a new or used Dodge and obtain the lowest price either online or from Texas insurance agents.
It’s a great practice to get comparison quotes periodically since rates fluctuate regularly. If you had the best rates for Avenger coverage a couple years back you can probably find a better price now. There is a lot of bad information regarding auto insurance online but with this article, you’re going to get the easiest ways to save money.
If you are paying for car insurance now, you will most likely be able to cut costs considerably using this information. Finding the cheapest auto insurance coverage is quite easy. But Texas vehicle owners need to have an understanding of the way insurance companies sell online and apply this information to your search.
How to Lower Your Auto Insurance Cost in Texas
Shopping for lower auto insurance rates can be challenging if you don’t utilize the best way to get rate quotes. You could waste a few hours driving to agents in your area, or you can stay home and use the internet to achieve your goal.
Most car insurance companies participate in an industry program where prospective buyers only type in their quote data once, and each participating company can give them a price based on the submitted data. This system prevents you from having to do repetitive form submissions for each company.
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The single downside to doing it this way is you are unable to specify the providers to get quotes from. If you prefer to choose individual companies to receive pricing from, we have a listing of the cheapest auto insurance companies in Texas. Click to view list.
It doesn’t matter which method you choose, just make absolute certain that you use exactly the same coverages and limits for each comparison quote. If each company quotes different deductibles it’s impossible to make a fair comparison for your Dodge Avenger. Quoting even small variations in coverage limits may cause a big price difference. And when comparing auto insurance rates, know that more quotes helps you find the best price.
Do you qualify for these eight discounts?
Companies that sell car insurance don’t always publicize every discount very well, so we break down some of the best known and the harder-to-find discounts you could be receiving.
- Anti-theft System – Vehicles equipped with anti-theft or alarm systems prevent vehicle theft and will save you 10% or more.
- Homeowners Savings – Owning a house can save you money because of the fact that having a home demonstrates responsibility.
- Seat Belts Save – Requiring all passengers to use a seat belt could save 15% off your medical payments premium.
- One Accident Forgiven – Certain companies allow you one accident before your rates go up so long as you haven’t had any claims for a particular time prior to the accident.
- Fewer Miles Equal More Savings – Low mileage vehicles could qualify for discounted rates on garaged vehicles.
- Good Student Discount – This discount can earn a discount of 20% or more. The discount lasts well after school through age 25.
- Safety Course Discount – Taking part in a driver safety course can save you 5% or more if your company offers it.
- Discount for New Cars – Putting insurance coverage on a new car can cost up to 25% less since new cars are generally safer.
As a disclaimer on discounts, some of the credits will not apply to all coverage premiums. A few only apply to the cost of specific coverages such as collision or personal injury protection. So even though they make it sound like you would end up receiving a 100% discount, you won’t be that lucky.
To choose insurance companies with the best auto insurance discounts in Texas, follow this link.
Auto insurance specifics
Learning about specific coverages of your policy can be of help when determining the right coverages and the correct deductibles and limits. Policy terminology can be ambiguous and coverage can change by endorsement.
Comprehensive or Other Than Collision – Comprehensive insurance coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.
Comprehensive can pay for claims such as damage from a tornado or hurricane, hail damage, a tree branch falling on your vehicle, a broken windshield and hitting a deer. The maximum amount you’ll receive from a claim is the market value of your vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.
Medical costs insurance – Medical payments and Personal Injury Protection insurance pay for expenses such as X-ray expenses, doctor visits, surgery, nursing services and prosthetic devices. They can be used to fill the gap from your health insurance policy or if you lack health insurance entirely. It covers you and your occupants and will also cover any family member struck as a pedestrian. Personal Injury Protection is not an option in every state and may carry a deductible
Liability coverages – Liability insurance provides protection from damage or injury you incur to other’s property or people by causing an accident. Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see limits of 50/100/50 which stand for $50,000 bodily injury coverage, a limit of $100,000 in injury protection per accident, and property damage coverage for $50,000.
Liability coverage pays for claims like attorney fees, structural damage, medical expenses, emergency aid and loss of income. How much coverage you buy is your choice, but consider buying as much as you can afford. Texas state law requires minimum liability limits of 30,000/60,000/25,000 but it’s recommended drivers buy better liability coverage.
Collision – This coverage covers damage to your Avenger from colliding with an object or car. You have to pay a deductible then your collision coverage will kick in.
Collision coverage protects against claims like scraping a guard rail, colliding with a tree, colliding with another moving vehicle and hitting a mailbox. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are 8 years or older. Drivers also have the option to raise the deductible to save money on collision insurance.
UM/UIM Coverage – This protects you and your vehicle from other drivers when they do not carry enough liability coverage. Covered claims include hospital bills for your injuries as well as damage to your Dodge Avenger.
Since a lot of drivers have only the minimum liability required by law (30/60/25 in Texas), it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is very important.
Informative consumer insurance sites
Additional detailed information can be read at the Texas Department of Insurance website. Consumers can read enforcement actions against agents and companies, find a variety of consumer forms, download brochures, and discover disciplinary actions.