Insurance for Dodge AvengerAre you sick and tired of scraping nickels together to pay high insurance rates every month? You're in the same situation as the majority of other people in Washington.

Sad but true, the vast majority of drivers kept buying from the same company for well over three years, and nearly 40% of drivers have never quoted rates to find cheap coverage. Many consumers in America could cut their rates by roughly 47% a year just by comparing rates, but they just don't understand the rate savings if they just switched companies. People have so many insurers to purchase coverage from, and although it's a good thing to have a choice, lots of choices makes it harder to compare rates and cut insurance costs.

Finding affordable coverage in Tacoma is really not that difficult. If you have a current auto insurance policy or just want to save money, take advantage of these tips to reduce the price you pay while maximizing coverage. Smart shoppers just have to understand the quickest method to compare price quotes from many companies at once.

The majority of larger companies such as Allstate and Progressive give insurance quotes on their websites. Obtaining pricing for Dodge Avenger insurance in Tacoma doesn't take much effort as you simply type in the coverage amounts you desire on the page. Behind the scenes, their quoting system will obtain information on your driving record and credit history and generates a price. Getting online price quotes for Dodge Avenger insurance in Tacoma makes it easy to compare insurance prices and it's also necessary to perform this step in order to get the most affordable premium possible.

To find out what other companies charge, take a look at the companies shown below. If you have a policy now, it's recommended you replicate deductibles and limits just like they are on your policy. This way, you will have rate comparison quotes based on the exact same insurance coverage.

The companies shown below offer price comparisons in Washington. If the list has multiple companies, it's highly recommended you visit two to three different companies in order to find the cheapest rates.

Dodge Avenger Insurance Rate Estimates in Tacoma, WA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Avenger Express $122 $294 $376 $22 $112 $926 $77
Avenger R/T $254 $540 $334 $20 $100 $1,248 $104
Avenger SXT $282 $664 $450 $26 $134 $1,556 $130
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Prices based on single female driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and Washington minimum liability limits. Discounts applied include safe-driver, homeowner, multi-vehicle, claim-free, and multi-policy. Table data does not factor in zip code location which can decrease or increase coverage rates substantially.

Car insurance rates are higher with tickets and accidents

The information below illustrates how traffic citations and fender-benders increase Dodge Avenger insurance prices for different age groups of insureds. The rates are based on a married female driver, full physical damage coverage, $1,000 deductibles, and no other discounts are factored in.

Comparison of policy deductibles

One of the more difficult decisions when buying car insurance is which deductibles should you choose. The following insurance rates approximate the premium difference when you select higher and lower coverage deductibles. The first rate estimation uses a $100 deductible for comp and collision and the second data table uses a $1,000 deductible.

Dodge Avenger insurance policy rates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Avenger Express $254 $540 $334 $20 $100 $1,273 $106
Avenger R/T $254 $540 $334 $20 $100 $1,273 $106
Avenger SXT $254 $540 $334 $20 $100 $1,273 $106
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Dodge Avenger insurance policy rates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Avenger Express $140 $284 $334 $20 $100 $878 $73
Avenger R/T $140 $284 $334 $20 $100 $878 $73
Avenger SXT $140 $284 $334 $20 $100 $878 $73
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Table data represents married male driver age 30, no speeding tickets, no at-fault accidents, and Washington minimum liability limits. Discounts applied include homeowner, safe-driver, claim-free, multi-policy, and multi-vehicle. Table data does not factor in specific location which can affect rates noticeably.

Based on the data above, we can derive that using a $100 deductible will cost in the ballpark of $33 more each month or $396 a year than quoting the higher $1,000 deductible. Because you would be required to pay $900 more out of your own pocket with a $1,000 deductible as compared to a $100 deductible, if you have at a minimum 27 months between claim filings, you would more than likely save some money if you elect the higher deductible.

Rate comparison for different deductibles

The illustration below highlights how deductible selection and can raise or lower Dodge Avenger insurance prices for different insured age categories. The rates are based on a single female driver, comp and collision included, and no other discounts are factored in.

Why you need to buy insurance

Despite the fact that insurance is not cheap in Tacoma, insurance is most likely required but also gives you several important benefits.

The benefits of having insurance definitely exceed the price paid, especially if you ever need it. As of last year, the average driver in Washington is currently overpaying as much as $850 per year so it's important to compare rates at every renewal to ensure rates are inline.

Informed Drivers Know How to Find Auto Insurance at a Discount

A large part of saving on auto insurance is knowing the different types of things that help calculate your policy premiums. If you have some idea of what impacts premium levels, this enables you to make decisions that could result in better auto insurance rates. Lots of factors are part of the calculation when pricing auto insurance. A few of the factors are predictable such as your driving record, but others are not quite as obvious such as your credit history or how safe your car is.

Listed below are some of the most rate-impacting factors companies use to determine premiums.

Experienced drivers are lower risk - Inexperience drivers are proven to be inattentive when behind the wheel therefore auto insurance rates are much higher. More experienced drivers are proven to be safer behind the wheel, file fewer claims, and get fewer tickets.

Liability is important - Your policy's liability coverage is the protection if a court rules you are at fault for an accident. This coverage provides for a legal defense to attempt to prove you were not liable. This coverage is very inexpensive compared to physical damage coverage, so do not cut corners here.

Pay less with a high NHTSA crash test rating - Safe vehicles can get you lower premiums. The safest vehicles reduce injuries and better occupant protection translates into fewer and smaller insurance claims and thus lower rates. If your Dodge Avenger earned at least an "acceptable" rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website it may be receiving lower rates.

What type of car do you drive? - The type of car you are buying insurance for makes a huge difference in your premium level. The lowest base rates are usually found on smaller low performance passenger cars, but the cost you end up paying is determined by many additional factors. Since the Dodge Avenger is considered a passenger car, insuring your vehicle will cost similar in price or lower than the average rate where you live in Tacoma.

You may qualify for discounts for Dodge Avenger insurance in Tacoma

Car insurance companies don't always publicize every policy discount very well, so the list below gives a summary of a few of the more well known as well as the least known discounts that you can inquire about if you buy Tacoma car insurance online.Car insurance discounts

As a sidenote, some of the credits will not apply to the overall cost of the policy. Some only apply to the price of certain insurance coverages like liability, collision or medical payments. If you do the math and it seems like adding up those discounts means a free policy, it just doesn't work that way.

A few popular companies and some of the discounts can be read below.

When quoting, ask every insurance company to give you their best rates. Some of the earlier mentioned discounts might not be offered on policies in your area. For a list of car insurance companies that offer some of these discounts in Washington, follow this link.

Local agents and auto insurance

Some consumers would prefer to sit down with an agent and that is a smart decision Good insurance agents can make sure you are properly covered and help submit paperwork. A nice benefit of comparing rates online is that drivers can save money and get cheap rate quotes but also keep your business local.

Find insurance agent in TacomaAfter completing this form (opens in new window), your insurance coverage information is transmitted to insurance agents in Tacoma who will give competitive quotes for your insurance coverage. There is no need to contact an agency due to the fact that quote results will go immediately to you. If for some reason you want to compare rates from a specific company, just visit that company's website and submit a quote form there.

Choosing the best insurance company is decision based upon more than just the bottom line cost. You should also get answers to these questions.

Different types of Tacoma car insurance agents

If you want to buy auto insurance from an insurance agent, it helps to know the two different types of agencies that you can select. Insurance agencies in Tacoma can be categorized as either independent or exclusive. Both can sell auto insurance policies, but it's good to learn the differences since it can affect which type of agent you select.

Exclusive Auto Insurance Agents

These type of agents have only one company to place business with and some examples include American Family, State Farm, and Allstate. Exclusive agents are unable to provide prices from multiple companies so you need to shop around if the rates are high. Exclusive agencies receive a lot of sales training on their company's products and that can be a competitive advantage.

The following are Tacoma exclusive insurance agencies who may provide you with comparison quotes.

3401 6th Ave i - Tacoma, WA 98406 - (253) 752-9920 - View Map

12001 Pacific Ave S - Tacoma, WA 98444 - (253) 537-1444 - View Map

1010 S L St - Tacoma, WA 98405 - (253) 252-2529 - View Map

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Independent Insurance Agents

Agents of this type are normally appointed by many insurers so they can write business with multiple insurance companies and find the cheapest auto insurance rates. If premiums increase, they simply move your policy to a different company and you don't have to find a new agent. When comparing auto insurance prices, we highly recommend that you get quotes from a couple of independent agencies for the best price selection.

Below are Tacoma independent insurance agencies who can help you get rate quotes.

A and A Car Insurance
Tacoma, WA 98402 - Tacoma, WA 98402 - (253) 272-2044 - View Map

Tacoma Auto Insurance Quotes
Get free rate quotes in minutes from Tacoma Insurance Agents - Tacoma, WA 98409 - (253) 330-8280 - View Map

711 St Helens Ave #207a - Tacoma, WA 98402 - (253) 447-7212 - View Map

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Find cheap rates by being thorough

While you're price shopping online, it's not a good idea to buy poor coverage just to save money. There have been many situations where an insured cut physical damage coverage to discover at claim time that they should have had better coverage. Your objective should be to get the best coverage possible at the best cost and still be able to protect your assets.

Low-cost Dodge Avenger insurance in Tacoma is attainable on the web and with local Tacoma insurance agents, and you should compare price quotes from both to get a complete price analysis. Some insurance companies do not provide online price quotes and many times these regional carriers prefer to sell through independent agents.

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