Dodge Avenger Insurance Quotes in Baltimore

A recent auto insurance study revealed that nearly 70% of customers kept their policy with the same company for at least the last four years, and nearly 40% of drivers have never shopped around. Drivers in Baltimore could save an average of $750 each year, but most just don’t grasp the benefits if they switched.

Truthfully, the best way to get cheaper Dodge Avenger insurance in Baltimore is to do a yearly price comparison from insurers who sell insurance in Maryland. Price quotes can be compared by completing these steps.

• Step 1: It will benefit you to learn about the coverage provided by your policy and the measures you can take to keep rates low. Many rating factors that cause rate increases such as traffic citations and a substandard credit score can be amended by making minor changes to your lifestyle.
• Step 2: Get rate quotes from direct carriers, independent agents, and exclusive agents. Direct and exclusive agents can only give rate quotes from one company like Progressive and State Farm, while independent agencies can give you price quotes from multiple sources.
• Step 3: Compare the quotes to your current policy premium and see if you can save money. If you can save money and decide to switch, make sure the effective date of the new policy is the same as the expiration date of the old one.
• Step 4: Provide notification to your current company to cancel your existing policy and submit a completed application and payment for your new coverage. Once coverage is bound, store the proof of insurance certificate in an easily accessible location.

A crucial key to this process is that you’ll want to make sure you compare identical coverages on every price quote and and to get price estimates from as many different insurance providers as possible. This provides a fair rate comparison and a complete price analysis.

Cheap companies for Dodge Avenger insurance

The companies shown below provide comparison quotes in Maryland. To locate cheap auto insurance in MD, it’s a good idea that you get rate quotes from several of them in order to find the most affordable rates.

Data for Dodge Avenger insurance

The premium information below highlights detailed analysis of insurance prices for Dodge Avenger models. Being more informed about how insurance quotes are determined can help drivers make decisions when shopping around.

Table data represents single male driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Maryland minimum liability limits. Discounts applied include homeowner, safe-driver, multi-policy, multi-vehicle, and claim-free. Rates do not factor in specific location information which can revise premium rates substantially.

Policy deductible comparison

The hardest decision when buying coverage is where should you set your physical damage deductibles. The premium rates below lay out the premium difference when you select higher and lower coverage deductibles. The first table uses a $100 deductible for physical damage and the second pricing table uses a $500 deductible.

Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and Maryland minimum liability limits. Discounts applied include claim-free, safe-driver, homeowner, multi-policy, and multi-vehicle. Premium amounts do not factor in specific garaging location which can change rates substantially.

Based on these figures, using a $100 deductible will cost you about $30 more each month or $360 for a full year across all Dodge Avenger models than choosing the higher $500 deductible. Because you would be required to pay $400 more if you file a claim with a $500 deductible as compared to a $100 deductible, if you have more than 13 months between claim filings, you would save more money by selecting a higher deductible.

Do you qualify for discounts on Dodge Avenger insurance in Baltimore?

Companies offering auto insurance don’t always advertise every discount very well, so the below list has a few of the more well known and the more hidden savings tricks you should be using when you buy Baltimore auto insurance online.

• Distant College Student Discount – Children who live away from home at college and do not have access to a covered vehicle can receive lower rates.
• Discount for Swiching Early – A few auto insurance companies offer discounts for renewing your policy prior to the expiration date on your current Avenger insurance policy. It’s a savings of about 10%.
• Defensive Driver Discount – Taking time to complete a course teaching safe driver skills is a good idea and can lower rates depending on where you live.
• Early Payment Discounts – By making one initial payment instead of paying each month you can actually save on your bill.
• Discount for New Cars – Insuring a new Avenger is cheaper since newer vehicles have better safety ratings.
• Include Life Insurance and Save – Some insurance carriers give a break if you buy a life insurance policy as well.

While discounts sound great, it’s important to understand that some of the credits will not apply to the overall cost of the policy. Most only reduce specific coverage prices like liability, collision or medical payments. So even though you would think you would end up receiving a 100% discount, it just doesn’t work that way.

The diagram below illustrates the difference between Dodge Avenger yearly insurance costs with and without discounts applied to the premium. The premium estimates are based on a male driver, no claims, a clean driving record, Maryland state minimum liability limits, comprehensive and collision coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-car, safe-driver, multi-policy, marriage, claim-free, and homeowner discounts applied.

If you would like to choose from a list of insurers that offer discounts in Baltimore, click here.

Good Decisions Result in Lower Insurance Prices

Many different elements are used in the calculation when quoting car insurance. A few of the factors are predictable like a motor vehicle report, but other factors are more transparent like your continuous coverage or your vehicle rating.

The factors shown below are some of the items car insurance companies consider when setting your rates.

• Premiums are lower the older you get – Inexperience drivers are known to be careless and easily distracted when behind the wheel and because of this, their car insurance rates are much higher. If you’ve ever had to add a young driver to your car insurance policy can be very expensive. Older people tend to be more responsible, are lower risk to insure, and get fewer tickets.

  The next chart uses these variables: single driver, full coverage with $100 deductibles, and no discounts or violations.

• Safer vehicles save money – Cars with five star safety ratings tend to have better insurance rates. Vehicles engineered for safety reduce injuries and better occupant protection means less claims paid and more competitive rates for policyholders.
• Your car’s features help determine prices – Buying a car with anti-theft technology or alarm system can help lower your premiums. Theft prevention devices such as vehicle immobilizer systems, OnStar, and tracking devices like LoJack help track and prevent your car from being stolen.
• A good credit score can save money – Your credit score is likely to be a major factor in determining what you pay for car insurance. People that have good credit tend to be less risk to insure as compared to drivers with lower ratings. So if your credit history can use some improvement, you could save money insuring your Dodge Avenger by improving your rating.
• Save by driving less – The more miles you rack up on your Dodge annually the more you will pay for car insurance. The majority of insurers rate vehicles based on their usage. Cars and trucks left parked in the garage get more affordable rates than those used for commuting. Verify your declarations sheet reflects the correct usage for each vehicle, because it can save money. Incorrect rating for your Avenger is throwing money out the window.
• What are good liability coverage limits? – The liability section of your policy is the coverage that protects you in the event that a court rules you are at fault for an accident. Your policy’s liability insurance provides legal defense coverage to defend your case. Carrying liability coverage is mandatory and cheap as compared to coverage for physical damage, so do not skimp.

• Good drivers pay less – Careful drivers receive lower rates than people who have multiple driving citations. Getting just one ticket may cause rates to rise to the point where it’s not affordable. Drivers who have serious violations like reckless driving or DUI are required to submit a SR-22 or proof of financial responsibility with their state motor vehicle department in order to continue driving.

  The illustration below shows how violations and at-fault accidents raise Dodge Avenger auto insurance costs for different insured age categories. The premium estimates are based on a single male driver, full physical damage coverage, $250 deductibles, and no discounts are applied.

Do I need an insurance agent?

Certain consumers would prefer to go talk to an agent and that is OK! A nice benefit of comparing insurance prices online is that drivers can save money and get cheaper rates and also buy local.

By using this simple form, your insurance data is instantly submitted to insurance agents in Baltimore who will give you bids for your car insurance coverage. It simplifies rate comparisons since you won’t have to drive around because prices are sent to your email. You’ll get the best rates without having to waste a lot of time. If you want to compare prices from one company in particular, feel free to jump over to their website and submit a quote form there.

Deciding on an company should include more criteria than just the bottom line cost. These are some valid questions you should ask.

• Does the quote include credit and driving reports?
• Is insurance their full-time profession?
• Is there a Errors and Omissions policy in force?
• Can you choose the body shop in case repairs are needed?
• Do they make recommendations based only on price?
• Will they make sure you get an adequate claim settlement?
• How long has their agency been in business in Baltimore?

Choose an insurance agent wisely

When researching a good Baltimore insurance agent, you need to know there are two different types of agents and how they differ in how they can insure your vehicles. Agencies in Baltimore are classified as either exclusive or independent (non-exclusive).

Exclusive Agents

Agents in the exclusive channel can only place business with one company and examples are Allstate, State Farm and Farmers Insurance. Exclusive agencies are unable to provide other company’s prices so if the price isn’t competitive there isn’t much they can do. Exclusive agents are well schooled on sales techniques which can be an advantage.

The following is a list of exclusive agencies in Baltimore willing to provide price quote information.

More insurance agents

Independent Insurance Agents

Independent agents are not employed by one company so they have the ability to put coverage with lots of companies and find the cheapest car insurance rates. If prices rise, they can switch companies in-house and that require little work on your part. When comparing car insurance prices, it’s a good idea to include a couple of independent agencies in order to have the best price comparison.

The following is a list of independent insurance agencies in Baltimore that are able to give price quotes.

More insurance agents

What is the best car insurance company in Baltimore?

Ending up with the best insurer can be a challenge considering how many companies are available to choose from in Baltimore. The ranking data shown next can help you select which auto insurers to look at when comparing rate quotes.

Top 10 Baltimore Car Insurance Companies Ranked by Customer Service

1. USAA
2. Travelers
3. Mercury Insurance
4. AAA Insurance
5. Nationwide
6. Safeco Insurance
7. Progressive
8. State Farm
9. The Hartford
10. The General

Cheap coverage is out there

As you shop your coverage around, do not reduce needed coverages to save money. In many cases, consumers will sacrifice liability coverage limits only to regret at claim time that a couple dollars of savings turned into a financial nightmare. Your goal should be to purchase plenty of coverage for the lowest price but still have enough coverage for asset protection.

There are still a few companies who do not provide internet price quotes and many times these smaller providers only sell through independent agents. Low-cost Dodge Avenger insurance in Baltimore can be found both online as well as from independent agents in Baltimore, so you should be comparing quotes from both to get a complete price analysis.

Additional insurance information can be read at these links:

• Warning systems don’t curb driver distraction (Insurance Institute for Highway Safety)
• Who Has Cheap Auto Insurance Quotes for Drivers Over Age 70 in Baltimore? (FAQ)
• Who Has the Cheapest Car Insurance for a Ford Edge in Baltimore? (FAQ)
• Red Light Cameras (State Farm)
• Rental Reimbursement Coverage (Allstate)
• Auto Insurance FAQ (Farmers Insurance)