Save Money on Dodge Avenger Insurance in Philadelphia

Want to know how to find more affordable car insurance rates in Philadelphia, PA? Philadelphia consumers have options when looking for the best price on Dodge Avenger insurance. They can either waste time struggling with agents to get rate comparisons or leverage the internet to get rate quotes.

There are both good and bad ways to compare car insurance rates so you’re going to learn the best way to price shop coverage for a Dodge and get the best price possible either online or from Philadelphia insurance agents.

How to lower your Dodge Avenger insurance cost in Philadelphia, PA

The companies shown below are our best choices to provide free rate quotes in Pennsylvania. If multiple providers are shown, we suggest you visit several of them to get a more complete price comparison.

Premium rates and analysis

The table shown below highlights a range of rate quotes for Dodge Avenger models. Understanding how insurance policy rates are calculated is important for drivers to make smart choices when comparing insurance rates.

Premium data assumes single male driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and Pennsylvania minimum liability limits. Discounts applied include multi-policy, homeowner, multi-vehicle, claim-free, and safe-driver. Rate information does not factor in specific Philadelphia garaging location which can affect rates significantly.

An analysis of deductible level

One of the most common car insurance questions is how high should the deductibles for physical damage be. The following insurance rates approximate the rate differences of buying low and high insurance deductibles. The first set of rates uses a $250 comprehensive and collision deductible and the second set of prices uses a $500 deductible.

Prices based on married male driver age 30, no speeding tickets, no at-fault accidents, and Pennsylvania minimum liability limits. Discounts applied include homeowner, claim-free, multi-policy, safe-driver, and multi-vehicle. Premium costs do not factor in garaging location in Philadelphia which can decrease or increase prices significantly.

Using the data above, we can ascertain that using a $250 deductible will cost you roughly $15 more each month or $180 every year than selecting the higher $500 deductible. Because you would be required to pay $250 more to file a claim with a $500 deductible as compared to a $250 deductible, if you tend to go at least 17 months between claims, you would come out ahead going with the higher deductible.

The diagram below illustrates how your deductible choice and can change Dodge Avenger annual premium costs for different ages of insureds. The rates are based on a single female driver, comp and collision included, and no discounts are factored in.

Car insurance rates are higher with tickets and accidents

The example below shows how speeding tickets and at-fault accidents can raise Dodge Avenger car insurance costs for different ages of insureds. The premiums assume a married female driver, comp and collision included, $1,000 deductibles, and no other discounts are factored in.

Should you buy full coverage?

The chart below illustrates the comparison of Dodge Avenger yearly insurance costs with liability coverage only compared to full coverage. The data assumes no violations or accidents, $250 deductibles, marital status is single, and no policy discounts are applied.

When to stop paying for full coverage

There is no exact formula of when to drop comprehensive and collision coverage on your policy, but there is a guideline you can use. If the yearly cost of full coverage is about 10% or more of the replacement cost minus the deductible, then you might consider buying liability only.

For example, let’s pretend your Dodge Avenger book value is $4,000 and you have $1,000 physical damage deductibles. If your vehicle is totaled in an accident, the most you would receive is $3,000 after the deductible is paid. If it’s costing in excess of $300 a year to have full coverage, then you might consider buying liability only.

There are some cases where removing full coverage is not advised. If you still have a loan on your vehicle, you have to carry full coverage in order to satisfy the requirements of the loan. Also, if your savings is not enough to buy a different vehicle if your current one is damaged, you should not eliminate full coverage.

Choosing vehicle insurance is an important decision

Despite the high cost, insuring your vehicle may be required for several reasons.

First, most states have minimum liability requirements which means you are required to buy a specific level of liability protection if you want to drive legally. In Pennsylvania these limits are 15/30/5 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $5,000 of property damage coverage.

Second, if you took out a loan on your car, most lenders will force you to have insurance to guarantee payment of the loan. If coverage lapses or is canceled, the lender may insure your Dodge at a much higher rate and require you to fork over for the much more expensive policy.

Third, car insurance protects both your car and your assets. It will also provide coverage for most medical and hospital costs for you, any passengers, and anyone injured in an accident. One policy coverage, liability insurance, also covers legal expenses if anyone sues you for causing an accident. If your Dodge gets damaged, comprehensive (other-than-collision) and collision coverage will pay to restore your vehicle to like-new condition.

The benefits of having insurance definitely exceed the cost, specifically if you ever have a liability claim. But the average driver in Pennsylvania is currently overpaying as much as $820 a year so you should quote and compare rates at every policy renewal to be sure current rates are still competitive.

Learn How to Lower Your Insurance Prices

Multiple criteria are part of the equation when you get your auto insurance bill. A few of the factors are predictable like a motor vehicle report, although others are more transparent like where you live or your financial responsibility.

• Do you have enough liability insurance? – Your policy’s liability coverage is the coverage that protects you in the event that a jury decides you are liable for damages from an accident. It will provide legal defense coverage to defend your case. This coverage is very inexpensive when compared with rates for comp and collision, so insureds should have plenty of protection for their assets.

• Teenage drivers pay more – Young drivers in Pennsylvania have been known to be easily distracted in a vehicle so they pay higher car insurance rates. More experienced drivers are proven to be safer behind the wheel, tend to cause fewer accidents, and are generally more financially stable.

  The following chart assumes a single driver, full coverage with $250 deductibles, and no discounts or violations.

• Credit history impacts prices – Credit history can be a huge factor in your rate calculation. Insureds that have very high credit ratings tend to be more responsible and file fewer claims than drivers who have lower credit ratings. So if your credit history is low, you may save money insuring your Dodge Avenger by improving your rating.
• Additional coverages that may be costing you – Insurance policies have a lot of extra coverages that you can get tricked into buying on your car insurance policy. Coverages like vanishing deductibles, high-cost glass coverage, and extra equipment coverage are examples of these. These coverages may sound good when discussing your needs, but now you might not need them so consider taking them off your policy.
• City dwellers may pay more – Living in smaller towns and rural areas of the country is a good thing when shopping for auto insurance. Drivers who live in large cities regularly have more road rage incidents and longer commutes to work. Fewer drivers and short commutes corresponds to lower accident rates.
• Being married can lower prices – Having a spouse actually saves money when buying car insurance. Having a significant other usually means you are less irresponsible and insurance companies reward insureds because married couples file fewer claims.

Affordable Philadelphia auto insurance rates with discounts

Auto insurance is neither fun to buy or cheap, but you may qualify for discounts that can dramatically reduce your bill. Certain discounts will be triggered automatically at the time of quoting, but a few must be specifically requested before you get the savings.

• Drivers Education – It’s a good idea to have your young drivers successfully complete driver’s ed class as it will make them better drivers and lower rates.
• Philadelphia Homeowners Pay Less – Owning a home in Philadelphia may trigger a policy discount on auto insurance since owning and maintaining a home demonstrates responsibility.
• Defensive Driver Discounts – Taking time to complete a class that teaches driver safety techniques could earn you a small percentage discount and also improve your driving technique.
• Military Discounts – Having an actively deployed family member can result in better auto insurance rates.
• Multi-car Discount – Buying insurance for multiple cars or trucks with one company can get a discount for every vehicle.
• Discount for Multiple Policies – If you can combine your auto and home policy with the same insurance company you could earn a discount of as much as 10 to 15 percent.

As a disclaimer on discounts, most of the big mark downs will not be given to the whole policy. Most only apply to specific coverage prices like comprehensive or collision. So when the math indicates having all the discounts means you get insurance for free, you aren’t that lucky.

The information below shows the comparison of Dodge Avenger car insurance rates with and without discounts. The premiums assume a male driver, no tickets, no at-fault accidents, Pennsylvania state minimum liability limits, full physical damage coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with homeowner, marriage, safe-driver, multi-policy, claim-free, and multi-car discounts applied.

Car insurance companies that may offer policyholders some of the above discounts include:

• State Farm
• Nationwide
• GEICO
• AAA
• 21st Century
• The Hartford

If you are trying to find the cheapest Dodge Avenger rate quotes, ask every insurance company how many discounts you can get. Some credits may not be offered in Philadelphia. If you would like to choose from a list of companies who offer discounts in Philadelphia, follow this link.

Can’t I compare prices from local Philadelphia auto insurance agents?

Many drivers just want to talk to a local agent and that is a smart decision Insurance agents can help determine the best coverages and help file insurance claims. The best thing about price shopping on the web is that you can obtain cheap rate quotes and still have a local agent. And supporting neighborhood insurance agencies is important especially in Philadelphia.

Once you complete this form (opens in new window), the quote information is transmitted to local insurance agents that give free quotes for your car insurance coverage. There is no reason to even leave your home due to the fact that quote results will go to your email. If you want to compare rates from a specific car insurance provider, you just need to find their quoting web page and fill out the quote form the provide.

Shown below is a short list of car insurance companies in Philadelphia that can give you comparison quotes for Dodge Avenger insurance in Philadelphia.

• Burg Insurance
  2707 Kirkbride St – Philadelphia, PA 19137 – (215) 744-4100 – View Map
• John Nicolucci – State Farm Insurance Agent
  6001 Ridge Ave – Philadelphia, PA 19128 – (215) 482-7000 – View Map
• Kevin Lowber – State Farm Insurance Agent
  1347 E Hunting Park Ave – Philadelphia, PA 19124 – (215) 533-9010 – View Map
• Wanda Dancy – State Farm Insurance Agent
  2805 N 47th St, FL-1 – Philadelphia, PA 19131 – (215) 871-3390 – View Map

More insurance agents

Finding a good insurance company requires you to look at more than just the price. Before buying a policy in Philadelphia, get answers to these questions.

• Do clients work directly with the agent or are most inquiries handled by a CSR?
• Do they carry Errors and Omissions coverage?
• Are there any extra charges for paying monthly?
• Can you choose the body shop in case repairs are needed?
• Are aftermarket or OEM parts used to repair vehicles?
• Do you qualify for any additional discounts?
• Will they take your side in the event of a claim?

Keep this in mind when shopping around

When getting Philadelphia car insurance quotes online, it’s very important that you do not skimp on coverage in order to save money. There are a lot of situations where an insured dropped full coverage to discover at claim time that the few dollars in savings costed them thousands. Your focus should be to buy enough coverage for the lowest price, but do not sacrifice coverage to save money.

Drivers who switch companies do it for many reasons like unfair underwriting practices, questionable increases in premium, extreme rates for teen drivers and even not issuing a premium refund. Regardless of your reason for switching companies, switching auto insurance companies is actually quite simple.

You just learned many ideas to lower your Dodge Avenger insurance prices in Philadelphia. The key concept to understand is the more times you quote, the better likelihood of getting cheaper Philadelphia car insurance quotes. Drivers may even discover the most savings is with a small local company.

Helpful learning opportunities

• Five Mistakes to Avoid (Insurance Information Institute)
• Who Has Cheap Car Insurance Rates for a Toyota Highlander in Philadelphia? (FAQ)
• Auto Crash Statistics (Insurance Information Institute)
• What is Covered by an Auto Insurance Policy? (Insurance Information Institute)
• Understanding Your Insurance Deductible (Insurance Information Institute)