Dodge Avenger Insurance Rate Quotes in Buffalo

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The preferred way to find low-cost prices for Dodge Avenger insurance is to start comparing prices regularly from insurers in Buffalo.

  • Step 1: Learn about how auto insurance works and the modifications you can make to prevent expensive coverage. Many policy risk factors that drive up the price like speeding tickets, accidents and poor credit history can be amended by being financially responsible and driving safely.
  • Step 2: Quote rates from direct, independent, and exclusive agents. Direct and exclusive agents can give quotes from one company like Progressive or Farmers Insurance, while independent agents can provide prices for a wide range of insurance providers. Select a company
  • Step 3: Compare the new rate quotes to your current policy premium and determine if cheaper Avenger coverage is available. If you can save money, make sure coverage is continuous and does not lapse.

The key thing to know about shopping around is to use similar deductibles and liability limits on every price quote and and to get price quotes from as many carriers as you can. Doing this ensures a fair price comparison and the best rate selection.

Insurance quote for Dodge Avenger in BuffaloUnthinkable but true, most consumers have purchased from the same company for over three years, and just under half have never compared rates to find cheaper insurance. Buffalo drivers could save $840 a year just by getting comparison quotes, but they don't know the large savings they would see if they changed companies.

Auto insurance providers offering affordable rates in New York

The auto insurance companies shown below offer quotes in Buffalo, NY. If multiple companies are listed, we suggest you visit two to three different companies in order to get a fair rate comparison.

Rates and statistics

The information displayed below covers a range of coverage costs for Dodge Avenger models. Having knowledge of how insurance premiums are calculated helps drivers make smart choices when purchasing an insurance policy.

Dodge Avenger Insurance Rates in Buffalo, NY
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Avenger Express $218 $548 $388 $24 $116 $1,294 $108
Avenger R/T $218 $548 $388 $24 $116 $1,294 $108
Avenger SXT $218 $548 $388 $24 $116 $1,294 $108
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Cost estimates assume single female driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and New York minimum liability limits. Discounts applied include safe-driver, claim-free, multi-vehicle, multi-policy, and homeowner. Price estimates do not factor in Buffalo location which can modify auto insurance rates noticeably.

Analysis of deductible levels

A question often asked by Buffalo drivers is at what level do you set your deductibles. The tables below can help you understand the rate difference when you choose different coverage deductibles. The first rate table uses a $100 deductible for comprehensive and collision coverage and the second data table uses a $500 deductible.

Dodge Avenger insurance policy rates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Avenger Express $228 $484 $300 $18 $90 $1,145 $95
Avenger R/T $228 $484 $300 $18 $90 $1,145 $95
Avenger SXT $228 $484 $300 $18 $90 $1,145 $95
Get Your Own Custom Quote Go
Dodge Avenger insurance policy rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Avenger Express $166 $328 $300 $18 $90 $902 $75
Avenger R/T $166 $328 $300 $18 $90 $902 $75
Avenger SXT $166 $328 $300 $18 $90 $902 $75
Get Your Own Custom Quote Go

Prices based on married male driver age 30, no speeding tickets, no at-fault accidents, and New York minimum liability limits. Discounts applied include claim-free, homeowner, safe-driver, multi-vehicle, and multi-policy. Rate information does not factor in vehicle garaging location which can lower or raise premiums substantially.

We can derive from the above data that using a $100 deductible could cost the average driver approximately $20 more each month or $240 for a full year than requesting the higher $500 deductible. Since you would pay $400 more to settle a claim with a $500 deductible as compared to a $100 deductible, if you normally average more than 20 months between claim filings, you would most likely save money by going with a higher deductible.

Responsible drivers pay cheaper Buffalo auto insurance rates

The diagram below illustrates how speeding tickets and fender-benders can raise Dodge Avenger insurance costs for each different age group. The costs are based on a single female driver, full physical damage coverage, $500 deductibles, and no discounts are applied to the premium.

Dodge Avenger insurance rates: Men versus women

The diagram below compares Dodge Avenger car insurance rates for male and female drivers. The premium estimates are based on no claims, a clean driving record, full physical damage coverage, $500 deductibles, marital status is single, and no discounts are taken into consideration.

These six discounts can reduce Dodge Avenger insurance rates

Insurance can cost an arm and a leg, but there may be some discounts that can dramatically reduce your bill. Larger premium reductions will be automatically applied at the time you complete a quote, but once in a while a discount must be asked about in order for you to get them.Insurance discounts

  • Online Discount - Certain companies will give you a small discount simply for signing over the internet.
  • Mature Driver Discount - Drivers over the age of 55 may qualify for a small decrease in premiums.
  • First Accident Forgiveness - Not really a discount, but certain companies may permit one accident before hitting you with a surcharge if you are claim-free for a set time period.
  • Professional Memberships - Affiliation with a qualifying organization is a simple method to lower premiums on your next renewal.
  • Defensive Driving Course - Passing a course that instructs on driving safety could cut 5% off your bill and make you a better driver.
  • Discount for Low Mileage - Fewer annual miles on your Dodge could earn cheaper rates.

One last thing about discounts, some of the credits will not apply to your bottom line cost. A few only apply to specific coverage prices like medical payments or collision. Despite the fact that it seems like having all the discounts means you get insurance for free, you won't be that lucky.

The information below shows the comparison of Dodge Avenger premium costs with and without discounts being applied to the rates. The rates are based on a female driver, a clean driving record, no claims, New York state minimum liability limits, comp and collision included, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-policy, claim-free, safe-driver, marriage, homeowner, and multi-car discounts applied.

If you would like to see a list of insurance companies who offer cheap Dodge Avenger insurance quotes in Buffalo in Buffalo, click here.

Auto insurance is available from local agents

Some consumers prefer to go talk to an agent and doing so can bring peace of mind Most agents can answer important questions and give you someone to call. A nice benefit of comparing rate quotes online is the fact that you can find lower car insurance rates but still work with a licensed agent.

Insurance agency in BuffaloUpon completion of this short form, your insurance data is submitted to local insurance agents who will gladly provide quotes for your coverage. It makes it easy because there is no need to find an agent due to the fact that quote results will go immediately to your email address. In the event you want to compare rates for a specific company, you just need to go to their quote page and give them your coverage information.

Picking the best company needs to be determined by more than just the bottom line cost. The questions below may impact your decision as well.

  • Are they full-time agents?
  • Do they see any coverage gaps in your plan?
  • Is the agent properly licensed in New York?
  • Is there any savings for paying the full premium?
  • Who is covered by the car insurance policy?
  • What is the financial rating for the quoted company?
  • Will the quote change when the policy is issued?

Types of car insurance agents in Buffalo

When finding a good Buffalo insurance agent, there are a couple of types of insurance agents and how they can service your needs differently. Auto insurance agents can be categorized as either exclusive or independent. Both types can do a good job, but it's worth learning the differences because it may have an impact on the selection process.

Exclusive Auto Insurance Agencies

Exclusive agents work for only one company such as Farmers Insurance or State Farm. They are unable to provide other company's prices so you need to shop around if the rates are high. Exclusive agencies are trained well on sales techniques and that enables them to sell even at higher rates. Consumers often buy insurance from these agents mostly because of the brand name rather than having low rates.

Shown below are exclusive insurance agencies in Buffalo that can give you comparison quotes.

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Independent Agencies or Brokers

Agents that choose to be independent are not required to write business for one company so they can quote policies with a variety of different insurance companies and find you the best rates. If they find a cheaper price, they simply switch companies in-house and that require little work on your part.

If you are comparing rate quotes, you will definitely want to check rates from at least one independent agent so that you have a good selection of quotes to compare. Most can insure with less well-known companies which may have better rates.

Below is a short list of independent insurance agents in Buffalo that are able to give comparison quotes.

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Educate yourself about auto insurance coverages

Understanding the coverages of your policy aids in choosing the best coverages for your vehicles. The coverage terms in a policy can be impossible to understand and coverage can change by endorsement.

Comprehensive auto coverage

This coverage pays for damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers claims like hitting a deer, hitting a bird, fire damage, hail damage and rock chips in glass. The maximum amount your auto insurance company will pay is the actual cash value, so if the vehicle is not worth much it's probably time to drop comprehensive insurance.

Liability coverages

This coverage will cover injuries or damage you cause to other people or property. It protects you from claims by other people. It does not cover your injuries or vehicle damage.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show limits of 25/50/10 that means you have $25,000 in coverage for each person's injuries, $50,000 for the entire accident, and a limit of $10,000 paid for damaged property.

Liability can pay for claims like structural damage, funeral expenses, repair costs for stationary objects and repair bills for other people's vehicles. How much coverage you buy is a personal decision, but buy as much as you can afford. New York state minimum liability requirements are 25/50/10 but you should think about purchasing better liability coverage.

The chart below shows why buying minimum limits may not provide adequate coverage.

Medical payments and PIP coverage

Coverage for medical payments and/or PIP pay for expenses such as EMT expenses, hospital visits and surgery. They are often used in conjunction with a health insurance program or if you do not have health coverage. Medical payments and PIP cover both the driver and occupants in addition to any family member struck as a pedestrian. PIP is not an option in every state but it provides additional coverages not offered by medical payments coverage

UM/UIM (Uninsured/Underinsured Motorist) coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle when other motorists do not carry enough liability coverage. Covered losses include hospital bills for your injuries as well as damage to your Dodge Avenger.

Due to the fact that many New York drivers only carry the minimum required liability limits (25/50/10), it only takes a small accident to exceed their coverage. So UM/UIM coverage is a good idea.

Collision coverage protection

This coverage pays for damage to your Avenger resulting from a collision with another vehicle or an object, but not an animal. You will need to pay your deductible and then insurance will cover the remainder.

Collision can pay for claims such as crashing into a ditch, damaging your car on a curb, colliding with another moving vehicle and rolling your car. This coverage can be expensive, so you might think about dropping it from older vehicles. You can also increase the deductible on your Avenger to save money on collision insurance.

The best insurance company isn't always the cheapest

Low-cost Dodge Avenger insurance in Buffalo can be bought from both online companies and from local agencies, so you should compare both to have the best rate selection. There are still a few companies who do not offer the ability to get a quote online and most of the time these regional carriers provide coverage only through independent insurance agencies.

When buying insurance coverage, you should never buy lower coverage limits just to save a few bucks. There have been many situations where someone dropped uninsured motorist or liability limits and discovered at claim time that they should have had better coverage. The proper strategy is to purchase plenty of coverage at a price you can afford while still protecting your assets.

Consumers leave their current company for a variety of reasons including questionable increases in premium, poor customer service, delays in responding to claim requests or even an unsatisfactory settlement offer. It doesn't matter why you want to switch finding a new auto insurance company is pretty easy and you might even save some money in the process.

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