Dodge Avenger Insurance Quotes in Greensboro

Insurance for Dodge AvengerShockingly, most car insurance policyholders have purchased from the same company for at least four years, and just short of a majority have never quoted car insurance rates at all. Greensboro drivers could cut their rates by approximately $94 a year by just shopping around, but most tend to underestimate how much they could save if they switched to a cheaper policy.

If you want to save the most money, the best way to find better pricing on Dodge Avenger insurance in Greensboro is to compare quotes once a year from providers in North Carolina.

  1. Try to learn about car insurance and the modifications you can make to keep rates low. Many rating factors that drive up the price like at-fault accidents and a not-so-good credit score can be rectified by making minor changes to your lifestyle. Keep reading for more ideas to prevent high prices and find hidden discounts.
  2. Request price quotes from direct, independent, and exclusive agents. Direct companies and exclusive agencies can only quote rates from a single company like Progressive or Farmers Insurance, while independent agencies can provide prices for many different companies. Get quotes now
  3. Compare the new rates to your current policy premium to see if a cheaper rate is available in Greensboro. If you find a better price and switch companies, verify that coverage does not lapse between policies.
  4. Notify your current company to cancel your current policy. Submit the application along with any required down payment for the new policy. As soon as you have the new policy, keep the new proof of insurance certificate in your glove compartment.

One thing to point out is that you’ll want to make sure you compare identical coverages on every price quote and and to get prices from as many different companies as possible. Doing this provides a fair price comparison and a complete price analysis.

When price shopping your coverage, comparing a large number of companies provides better odds of finding the best rates.

The companies shown below provide price comparisons in Greensboro, NC. In order to find cheaper car insurance in Greensboro, NC, it’s a good idea that you click on several of them to find the cheapest car insurance rates.

Dodge Avenger insurance rate analysis

The coverage information displayed below covers detailed analysis of insurance rates for Dodge Avenger models. Having a good understanding how rates are established can be useful when making smart choices when comparing insurance quotes.

Dodge Avenger Insurance Rates in Greensboro, NC
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Avenger Express $92 $204 $270 $16 $80 $662 $55
Avenger R/T $92 $204 $270 $16 $80 $662 $55
Avenger SXT $92 $204 $270 $16 $80 $662 $55
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Prices above based on married male driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and North Carolina minimum liability limits. Discounts applied include multi-policy, homeowner, safe-driver, claim-free, and multi-vehicle. Table data does not factor in zip code location which can modify premiums greatly.

Policy deductibles

When buying car insurance, a common question is which deductibles should you choose. The rates below determine the difference in cost of buying low and high physical damage coverage deductibles. The first set of prices uses a $250 deductible for comprehensive and collision coverage and the second price chart uses a $1,000 deductible.

Dodge Avenger insurance rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Avenger Express $192 $382 $282 $16 $84 $981 $82
Avenger R/T $192 $382 $282 $16 $84 $981 $82
Avenger SXT $192 $382 $282 $16 $84 $981 $82
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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 $118 $240 $282 $16 $84 $740 $62
Avenger R/T $118 $240 $282 $16 $84 $740 $62
Avenger SXT $118 $240 $282 $16 $84 $740 $62
Get Your Own Custom Quote Go

Prices based on married male driver age 30, no speeding tickets, no at-fault accidents, and North Carolina minimum liability limits. Discounts applied include claim-free, homeowner, multi-policy, safe-driver, and multi-vehicle. Rate information does not factor in garaging location in Greensboro which can increase or decrease price quotes greatly.

Using the data above, we can ascertain that using a $250 deductible costs approximately $20 more each month or $240 annually than buying the higher $1,000 deductible. Since the policyholder would be required to pay $750 more to settle a claim with a $1,000 deductible as compared to a $250 deductible, if you tend to go at a minimum 38 months between claim filings, you would more than likely save some money if you opt for a higher deductible.

How to determine if a higher deductible is a good idea

Average monthly premium for $250 deductibles: $82
Average monthly premium for $1,000 deductibles (subtract): – $62
Monthly savings from raising deductible: $20
Difference between deductibles ($1,000 – $250): $750
Divide difference by monthly savings: $750 / $20
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 38 months

One important note is that raising deductibles to save money means you will have to pay more of your own money when you file a claim. It will be required that you have enough extra money in order to pay the deductible.

The information below demonstrates how deductible levels and can increase or decrease Dodge Avenger insurance rates for each age group. The information is based on a single female driver, comp and collision included, and no policy discounts are applied.

Components of Your Dodge Avenger Insurance Premiums

A large part of saving on car insurance is knowing a few of the rating criteria that are used to determine the price you pay for car insurance. If you understand what positively or negatively impacts your premiums, this enables you to make decisions that could result in much lower annual insurance costs.

Insurance is not optional but you don’t have to overpay

Even though it can be expensive, maintaining insurance serves several important purposes.

First, just about all states have minimum mandated liability insurance limits which means state laws require specific minimum amounts of liability insurance coverage if you want to drive legally. In North Carolina these limits are 30/60/25 which means you must have $30,000 of bodily injury coverage per person, $60,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.

Second, if your Avenger has a lienholder, most banks will force you to have full coverage to ensure loan repayment if the vehicle is totaled. If you default on your policy, the bank may buy a policy for your Dodge at a much higher premium rate and require you to pay for the expensive policy.

Third, insurance safeguards both your vehicle and your personal assets. It also can pay for hospital and medical expenses for yourself as well as anyone injured by you. Liability coverage, the one required by state law, also pays for attorney fees and expenses if you are named as a defendant in an auto accident. If your car is damaged in a storm or accident, your insurance policy will pay to repair the damage.

The benefits of insuring your car definitely exceed the price paid, especially for larger claims. The average driver in North Carolina overpays as much as $825 a year so compare rates once a year at a minimum to save money.

Which car insurance company is best in North Carolina?

Insuring your vehicle with the highest-rated auto insurance provider is difficult considering how many companies there are in North Carolina. The information listed below could help you pick which providers to look at purchasing coverage from.

Top 10 Greensboro Car Insurance Companies Ranked by Customer Service

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

Top 10 Greensboro Car Insurance Companies Ranked by Claims Service

  1. Travelers
  2. Nationwide
  3. Allstate
  4. State Farm
  5. Liberty Mutual
  6. GEICO
  7. American Family
  8. Esurance
  9. Titan Insurance
  10. AAA Insurance