It’s well known that insurance companies want to keep your business as long as possible. Insureds who shop around for cheaper rates will presumably move their business because they stand a good chance of finding a lower-cost company. A recent survey discovered that consumers who shopped around every year saved $3,400 over four years as compared to drivers who never shopped for cheaper rates.
If finding the lowest price on car insurance is your objective, then having a good understanding how to shop for insurance can help simplify the process.
Truthfully, the best way to get budget Dodge Avenger insurance is to do an annual price comparison from companies that insure vehicles in Nashville.
- Try to comprehend individual coverages and the steps you can take to prevent rate increases. Many factors that drive up the price such as speeding tickets, careless driving and a substandard credit score can be remedied by making small lifestyle or driving habit changes. Keep reading for tips to get cheaper coverage and find more discounts that you may not know about.
- Request rate estimates from exclusive agents, independent agents, and direct providers. Exclusive agents and direct companies can only provide price estimates from a single company like GEICO or Allstate, while independent agents can quote prices for a wide range of companies. Find a Nashville insurance agent
- Compare the quotes to your existing rates and determine if cheaper Avenger coverage is available. If you can save money, verify that coverage does not lapse between policies.
The most important part of this process is to make sure you enter identical limits and deductibles on every quote and and to get price quotes from as many carriers as you can. This guarantees the most accurate price comparison and maximum price selection.
If you are already insured or just want a better rate, you can follow these tips to find the best rates and still get good coverage. Finding the cheapest auto insurance coverage in Nashville is not that difficult. Smart shoppers only need to know the tricks to compare rates from many companies at once.
Finding more affordable car insurance rates isn’t really that difficult. Just spend a few minutes comparing rates online with multiple companies.
It’s so fast and easy to compare rates online that it takes the place of having to call or drive to insurance agencies in your area. The ability to buy insurance online eliminates the need for an insurance agent unless you prefer the trained advice that only an agent can give. Although, it is possible compare the best prices online and still use a local agent.
The car insurance companies shown below are ready to provide quotes in Tennessee. If multiple companies are listed, we suggest you visit two to three different companies to get the cheapest price.
Rates and detailed analysis
The information shown next showcases a range of insurance coverage prices for Dodge Avenger models. Having a better understanding of how insurance policy premiums are formulated can assist in making smart choices when purchasing an insurance policy.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Get Your Own Custom Quote Go|
Prices based on single male driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Tennessee minimum liability limits. Discounts applied include claim-free, homeowner, multi-vehicle, safe-driver, and multi-policy. Information does not factor in specific zip code location which can alter rates considerably.
The illustration below demonstrates how deductibles and can change Dodge Avenger insurance premiums for different categories of driver ages. The rate quotes are based on a married female driver, full coverage, and no additional discounts are factored in.
Accidents and violations increase rates
The diagram below illustrates how traffic citations and accidents can increase Dodge Avenger insurance prices for different insured age categories. The data is based on a single female driver, comprehensive and collision coverage, $1,000 deductibles, and no discounts are applied to the premium.
Price comparison of only insuring for liability
The chart below illustrates the difference between Dodge Avenger yearly insurance costs with and without physical damage coverage, medical payments, and uninsured/under-insured motorist coverage. The premiums assume no accidents, no driving violations, $250 deductibles, drivers are not married, and no discounts are factored in.
When to eliminate full coverage
There is no clear-cut formula for phasing out physical damage insurance, but there is a general school of thought. If the yearly cost for physical damage coverage is more than 10% of replacement cost minus your deductible, then it could be time to drop full coverage.
For example, let’s say your Dodge Avenger replacement value is $9,000 and you have $1,000 full coverage deductibles. If your vehicle is severely damaged, the most you would receive is $8,000 after paying your policy deductible. If it’s costing you more than $800 annually for your policy with full coverage, then you might consider buying liability only.
There are some conditions where buying only liability insurance is not a good plan. If you have an outstanding loan on your vehicle, you have to keep full coverage to protect the lienholder’s interest in the vehicle. Also, if your emergency fund is not enough to purchase a different vehicle in the even your car is totaled, you should keep full coverage in place.
Car insurance protects more than just your car
Despite the high cost, maintaining insurance may not be optional for several reasons.
First, almost all states have mandatory liability insurance requirements which means the state requires a minimum amount of liability insurance coverage if you drive a vehicle. In Tennessee 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.
Second, if you took out a loan on your Dodge Avenger, almost all lenders will have a requirement that you have full coverage to guarantee loan repayment. If you cancel or allow the policy to lapse, the bank or lender will purchase a policy for your Dodge at a more expensive rate and require you to pay for it.
Third, car insurance preserves not only your Dodge Avenger but also your financial assets. It will also cover medical bills for not only you but also any passengers injured in an accident. As part of your policy, liability insurance also covers all legal expenses up to the policy limit if someone files suit against you as the result of an accident. If damage is caused by hail or an accident, comprehensive and collision coverage will pay to repair the damage.
The benefits of having car insurance more than offset the price you pay, especially if you ever need it. The average driver in Tennessee overpays as much as $830 a year so smart consumers compare quotes at every renewal to make sure the price is not too high.
Dodge Avenger Insurance Premium Factors
Many things are used in the calculation when you get your auto insurance bill. Some are obvious such as your driving history, although some other factors are more obscure such as your marital status or your financial responsibility.
The itemized list below are some of the most common factors utilized by car insurance companies to help set your prices.
Rates can drop if you have more than one policy – Some companies provide a discount to policyholders who consolidate policies with them in the form of a multi-policy discount. This can amount to anywhere from five to ten percent in most cases. If you currently are using one company, you may still want to comparison shop to help guarantee you have the best rates.
Keep auto insurance claims to a minimum – If you frequently file small claims, you shouldn’t be surprised to get either higher rates or even cancellation. Companies in Tennessee provide cheaper rates to policyholders who only file infrequent claims. Your insurance policy is intended for the bigger claims that can’t be paid out-of-pocket.
Costs may be higher where you live – Living in less populated areas of the country can be a good thing when insuring your vehicles. Drivers who live in large cities regularly have traffic congestion and longer commute times. Less people means a lower chance of having an accident as well as less vandalism and auto theft.
Safer vehicles means cheaper insurance – Vehicles with good safety scores get lower rates. Vehicles built for safety reduce the chance of injuries and any reduction in injury severity means your insurance company pays less and more competitive rates for policyholders.
Add-on coverages can cost a lot – Insurance companies have many additional coverages that you can get tricked into buying if you don’t pay attention. Coverages like coverage for rental cars, accidental death, and term life insurance could be just wasting money. They may sound like good ideas when buying your policy, but your needs may have changed so eliminate them to save money.
Your vocation can affect rates – Careers like doctors, police officers, and miners usually pay higher rates than average attributed to job stress and extremely grueling work hours. On the flip side, careers like farmers, engineers and homemakers have the lowest average rates.
Rate your vehicle for proper use – The more miles you rack up on your Dodge every year the more it will cost to insure it. Many insurance companies apply a rate based on their usage. Vehicles used primarily for pleasure use receive lower rates than cars that get driven a lot. It’s always a good idea to double check that your auto insurance coverage correctly shows the proper vehicle usage, because improper ratings can cost you money. An improperly rated Avenger may be wasting your money.
Get cheaper Dodge Avenger insurance in Nashville with discounts
Some providers do not list every available discount very clearly, so the below list has some of the more common as well as some of the hidden credits available to you. If you check and find you aren’t receiving every discount you deserve, you’re just leaving money on the table.
- Active Military Service – Being deployed with a military unit could trigger a small discount.
- Theft Prevention Discount – Cars equipped with tracking devices and advanced anti-theft systems help deter theft and that can save you a little bit as well.
- Discounts for Federal Employees – Employees or retirees of the government can save as much as 8% but check with your company.
- Multiple Vehicles – Buying coverage for multiple vehicles with the same car insurance company can get a discount on all vehicles.
- Policy Bundle Discount – When you combine your auto and home insurance and insure them with the same company you may save at least 10% off all policies.
- Accident-Free Discounts – Insureds who avoid accidents and claims can earn big discounts when compared with policyholders that have many claims.
- Anti-lock Brakes – Cars that have anti-lock braking systems prevent accidents and the ABS can save up to 10%.
- Distant College Student Discount – Youth drivers who live away from home at college and won’t have access to an insured vehicle may be able to be covered for less.
Just know that some credits don’t apply to your bottom line cost. Most only reduce individual premiums such as comp or med pay. So even though they make it sound like having all the discounts means you get insurance for free, it’s just not the way it works.
The information below shows the comparison of Dodge Avenger insurance prices with and without discounts applied. Data assumes a female driver, no claims or driving violations, Tennessee state minimum liability limits, comp and collision included, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with safe-driver, multi-car, claim-free, homeowner, marriage, and multi-policy discounts applied.
Some of the insurance companies that may offer policyholders most of these discounts possibly include:
If you are trying to find the cheapest Dodge Avenger rate quotes, ask all the companies to give you their best rates. Some credits might not be offered everywhere. If you would like to choose from a list of insurers that offer discounts in Tennessee, follow this link.
When quoting and comparing insurance from an agent or online for your vehicles, there is no “perfect” insurance plan. Each situation is unique and your car insurance should be unique as well.
For instance, these questions could help you determine whether or not you may require specific advice.
- Who does medical payments coverage extend to?
- If my pet gets injured in an accident are they covered?
- Is my vehicle covered by my employer’s policy when using it for work?
- Is my nanny covered when transporting my kids?
- What is an umbrella policy?
- Am I covered if I wreck a rental car?
If you can’t answer these questions but one or more may apply to you, then you may want to think about talking to a licensed insurance agent. If you don’t have a local agent, complete this form or you can go here for a list of companies in your area. It’s fast, free and can provide invaluable advice.
When should I have guidance from an agent?
A small number of people prefer to talk to an insurance agent and that is a personal choice. Insurance agents can help you build your policy and help submit paperwork. A nice benefit of comparing insurance prices online is the fact that drivers can get cheap rate quotes and still choose a local agent.
For easy comparison, once you complete this simple form, the coverage information is sent to local insurance agents in Nashville who will return price quotes for your coverage. It’s much easier because you don’t need to drive around since price quotes are sent straight to your inbox. If you have a need to compare prices from a specific insurance company, don’t hesitate to find their quoting web page and give them your coverage information.
Finding the right company needs to be determined by more than just the quoted price. The answers to these questions are important, too.
- What is the agency’s Better Business Bureau rating?
- Do they receive special compensation for putting your coverage with one company over another?
- Are glass claims handled on-site or do you have to take your vehicle to a repair shop?
- Is vehicle damage repaired with OEM or aftermarket parts?
- Does the agency support the community they serve?
- Which company do they place the most coverage with?
Tennessee auto insurance company ratings
Insuring your vehicle with a highly-rated auto insurance provider is difficult considering how many choices you have in Nashville. The ranking data displayed below could help you choose which car insurance providers you want to consider when comparing rate quotes.
Top 10 Nashville Car Insurance Companies Overall
- Mercury Insurance
- AAA Insurance
- State Farm
- The Hartford
- Safeco Insurance
Top 10 Nashville Car Insurance Companies Ranked by Customer Satisfaction
- USAA – 91%
- AAA Insurance – 90%
- Esurance – 90%
- Mercury Insurance – 89%
- Nationwide – 89%
- Travelers – 88%
- Progressive – 88%
- Safeco Insurance – 88%
- State Farm – 88%
- Allstate – 88%
One last note
As you quote Nashville auto insurance, do not skimp on coverage in order to save money. In many instances, an accident victim reduced collision coverage and found out when filing a claim that the savings was not a smart move. The proper strategy is to buy enough coverage at the best cost.
In this article, we covered many ideas to shop for Dodge Avenger insurance online. The key thing to remember is the more rate comparisons you have, the better likelihood of getting cheaper Nashville auto insurance quotes. Consumers may even find the biggest savings come from the smaller companies. They may often insure only within specific states and give better rates as compared to the big name companies such as Progressive and GEICO.
Additional information is located at the links below
- State Car Insurance Guides (GEICO)
- How Much is Nashville Auto Insurance for a GMC Sierra? (FAQ)
- Who Has the Cheapest Auto Insurance for a Learners Permit in Nashville? (FAQ)
- Who Has Affordable Auto Insurance Quotes for Homeowners in Nashville? (FAQ)
- Anti-Lock Brake FAQ (iihs.org)
- Auto Insurance FAQ (Farmers Insurance)
- Insurance losses by make and model (Insurance Institute for Highway Safety)