6 Ways You Can Insure a Dodge Avenger For Less in Nevada

Nevada drivers have a choice when trying to find the best price on Dodge Avenger insurance. They can either waste time contacting agents trying to get quotes or use the internet to find the lowest rates. There is a right way and a wrong way to shop for auto insurance and you need to know the quickest way to get price quotes for your Dodge and find the best price possible.

You should take the time to get comparison quotes yearly since insurance rates change quite often. Even if you think you had the best price on Avenger insurance a few years ago you can probably find a lower rate today. Starting right now, forget anything you know (or think you know) about auto insurance because you’re going to get a crash course in the things you must know in order to reduce your cost while increasing coverage.

Verify you’re getting all your discounts

Companies don’t always publicize every discount in an easy-to-find place, so here is a list both the well known and the harder-to-find auto insurance savings. If they aren’t giving you every credit you deserve, you’re just leaving money on the table.

  • Discounts for Safe Drivers – Drivers who avoid accidents may save up to 50% more on Avenger insurance than drivers with accident claims.
  • Defensive Driver – Successfully completing a driver safety course can save you 5% or more and easily recoup the cost of the course.
  • Pay Upfront and Save – If you pay your bill all at once instead of making monthly payments you could save 5% or more.
  • Student in College – Any of your kids living away from home attending college and don’t have a car can be insured at a reduced rate.
  • Low Mileage – Fewer annual miles on your Dodge can earn a substantially lower rate.
  • Accident Waiver – A handful of insurance companies will forgive one accident without raising rates as long as you don’t have any claims for a set time period.

Keep in mind that some of the credits will not apply the the whole policy. Most only apply to the cost of specific coverages such as medical payments or collision. So despite the fact that it appears it’s possible to get free car insurance, you won’t be that lucky.

Do you really save 40% when you switch?

Consumers constantly see and hear ads for cheaper car insurance from companies such as Allstate, GEICO and Progressive. All the companies make the same claim that you’ll save big if you change your policy.

How does each company make the same claim?

All the different companies have a preferred profile for the driver that earns them a profit. A good example of a profitable customer might be between 30 and 50, owns a home, and has excellent credit. A customer getting a price quote who fits that profile is entitled to the best price and is almost guaranteed to save a lot of money.

Potential customers who don’t meet the requirements will have to pay a more expensive rate and ends up with business going elsewhere. The ads state “customers that switch” not “people who quote” save that much money. This is how insurance companies can confidently advertise the way they do. Because of the profiling, drivers must get as many comparisons as possible. Because you never know which auto insurance company will give you the biggest savings.

When should I talk to an agent?

When it comes to buying the best auto insurance coverage for your vehicles, there isn’t really a perfect coverage plan. Everyone’s situation is a little different.

These are some specific questions may help highlight if your insurance needs would benefit from professional advice.

  • Does coverage extend to a rental car in a foreign country?
  • If my Dodge Avenger is totaled, can I afford another vehicle?
  • Should I buy additional glass protection?
  • How high should my uninsured/underinsured coverage be in Nevada?
  • Does having multiple vehicles earn me a discount?
  • Who is covered when they drive my Dodge Avenger?
  • Is my business laptop covered if it gets stolen from my vehicle?

If it’s difficult to answer those questions but you think they might apply to your situation, then you may want to think about talking to a licensed agent. If you want to speak to an agent in your area, simply complete this short form. It only takes a few minutes and you can get the answers you need.Nevada auto insurance

Coverages available on your policy

Learning about specific coverages of a auto insurance policy can help you determine which coverages you need and the correct deductibles and limits. Auto insurance terms can be confusing and nobody wants to actually read their policy.

Liability insurance – Liability insurance can cover injuries or damage you cause to other’s property or people. It protects you from legal claims by others, and doesn’t cover your injuries or vehicle damage.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have limits of 50/100/50 that means you have $50,000 in coverage for each person’s injuries, a per accident bodily injury limit of $100,000, and property damage coverage for $50,000.

Liability coverage pays for claims such as repair costs for stationary objects, emergency aid, court costs, medical services and structural damage. The amount of liability coverage you purchase is your choice, but it’s cheap coverage so purchase as high a limit as you can afford. Nevada requires minimum liability limits of 15,000/30,000/10,000 but you should consider buying better liability coverage.

Comprehensive coverage – This pays for damage OTHER than collision with another vehicle or object. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive insurance covers things such as rock chips in glass, damage from a tornado or hurricane, a broken windshield, vandalism and damage from flooding. The most your auto insurance company will pay is the market value of your vehicle, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Collision – This coverage will pay to fix damage to your Avenger resulting from a collision with another vehicle or an object, but not an animal. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for things such as rolling your car, colliding with a tree, colliding with another moving vehicle, crashing into a ditch and damaging your car on a curb. This coverage can be expensive, so consider removing coverage from vehicles that are older. Another option is to raise the deductible to save money on collision insurance.

Medical payments coverage and PIP – Personal Injury Protection (PIP) and medical payments coverage pay for bills for chiropractic care, dental work and rehabilitation expenses. They can be used in conjunction with a health insurance plan or if you do not have health coverage. Coverage applies to not only the driver but also the vehicle occupants and also covers being hit by a car walking across the street. Personal Injury Protection is only offered in select states and may carry a deductible

Uninsured/Underinsured Motorist coverage – This coverage provides protection when the “other guys” either are underinsured or have no liability coverage at all. Covered losses include medical payments for you and your occupants as well as your vehicle’s damage.

Because many people carry very low liability coverage limits (Nevada limits are 15/30/10), their limits can quickly be used up. So UM/UIM coverage is very important.

Avenger insurance

More resources for learning

More tips and info about auto insurance is available at the Nevada Division of Insurance website. Visitors are able to learn about insurance regulations, get help finding coverage, and find out which companies have the most complaints.

The articles below may also help you learn more about auto insurance in Nevada

Smart consumers save more

When you buy insurance online, you should never skimp on coverage in order to save money. In too many instances, an insured cut full coverage and learned later they didn’t purchase enough coverage. Your strategy should be to find the BEST coverage at a price you can afford.

We just presented some good ideas how you can save on Dodge Avenger insurance. The most important thing to understand is the more rate comparisons you have, the better likelihood of reducing your rate. You may even find the lowest premiums are with a small local company.

Cost effective Dodge Avenger insurance can be bought on the web and also from your neighborhood Nevada agents, so you should compare both so you have a total pricing picture. Some auto insurance companies may not provide online quoting and many times these smaller companies only sell through independent insurance agents.