If your goal is the lowest price, then the best way to get the cheapest Dodge Avenger insurance in Colorado Springs is to begin comparing prices regularly from different companies in Colorado. Prices can be compared by completing these steps.
First, spend some time learning about how auto insurance works and the factors you can control to keep rates down. Many things that result in higher rates like accidents, traffic tickets, and an unacceptable credit score can be rectified by making minor changes in your lifestyle. Later in this article we will cover ideas to prevent rate hikes and find additional discounts.
Second, compare prices from independent agents, exclusive agents, and direct companies. Exclusive agents and direct companies can only provide price estimates from one company like GEICO and Allstate, while agents who are independent can quote rates from many different companies. Get quotes now
Third, compare the new quotes to your existing rates to determine if you can save on Avenger insurance. If you find a lower rate quote, ensure coverage does not lapse between policies.
A crucial key to this process is to use identical deductibles and limits on each quote and and to get price estimates from as many companies as feasibly possible. This guarantees an apples-to-apples comparison and a complete price analysis.
Amazingly, a large majority of drivers renewed their policy with the same company for more than four years, and practically 40% of car insurance customers have never compared quotes from other companies. Colorado Springs drivers could save an average of as much as $610 each year, but they just don’t understand how much savings they would realize if they switched to a more affordable policy.
Quoting and comparing affordable protection in Colorado Springs is not as hard as you think. If you have a current auto insurance policy or are looking for a new policy, follow these tips to reduce premiums while maximizing coverage. Vehicle owners only have to learn the least time-consuming way to shop for auto insurance from many companies at once.
How to compare free Colorado Springs Dodge Avenger insurance price quotes
The majority of larger companies such as State Farm and Allstate give prices for coverage from their websites. Obtaining pricing for Dodge Avenger insurance in Colorado Springs is quite easy as all you need to do is type in your required coverages as requested by the quote form. When the form is submitted, the company’s rating system makes automated requests for your driving record and credit report and quotes a price. This helps simplify price comparisons, and it’s also necessary to compare as many rates as possible if you want to find a lower rate.
If you want to compare rates using this form now, consider comparing rates from the companies shown below. If you have a policy now, it’s recommended you enter the limits and deductibles exactly as shown on your declarations page. This guarantees you will get rate comparison quotes based on the exact same insurance coverage.
The companies shown below are our best choices to provide free rate quotes in Colorado Springs, CO. If multiple companies are listed, we recommend you compare several of them to find the lowest car insurance rates.
Data for Dodge Avenger insurance
The rate table shown below highlights estimates of insurance costs for Dodge Avenger models. Having a good grasp of how car insurance premiums are formulated can be useful when making decisions on which coverage to buy.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Avenger Express | $234 | $528 | $416 | $24 | $124 | $1,326 | $111 |
| Avenger R/T | $234 | $528 | $416 | $24 | $124 | $1,326 | $111 |
| Avenger SXT | $234 | $528 | $416 | $24 | $124 | $1,326 | $111 |
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Above prices assume married female driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and Colorado minimum liability limits. Discounts applied include homeowner, multi-policy, safe-driver, multi-vehicle, and claim-free. Rate quotes do not factor in your specific Colorado Springs location which can lower or raise auto insurance rates substantially.
Rate comparison for different deductibles
One of the most common auto insurance questions is how high should the physical damage coverage deductibles be. The premium rates below lay out the differences in premium rates when you select higher and lower insurance deductibles. The first data table uses a $100 deductible for comprehensive and collision coverage and the second price chart uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Avenger Express | $302 | $644 | $396 | $24 | $118 | $1,509 | $126 |
| Avenger R/T | $302 | $644 | $396 | $24 | $118 | $1,509 | $126 |
| Avenger SXT | $302 | $644 | $396 | $24 | $118 | $1,509 | $126 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Avenger Express | $220 | $434 | $396 | $24 | $118 | $1,192 | $99 |
| Avenger R/T | $220 | $434 | $396 | $24 | $118 | $1,192 | $99 |
| Avenger SXT | $220 | $434 | $396 | $24 | $118 | $1,192 | $99 |
| Get Your Own Custom Quote Go | |||||||
Premium data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Colorado minimum liability limits. Discounts applied include safe-driver, multi-policy, claim-free, homeowner, and multi-vehicle. Price estimates do not factor in Colorado Springs location which can affect coverage rates substantially.
Based on this data, using a $100 deductible costs approximately $27 more each month or $324 annually than buying the higher $500 deductible. Since the policyholder would be required to pay $400 more if you turn in a claim with a $500 deductible as compared to a $100 deductible, if you tend to average at least 15 months between claims, you would probably be better off if you opt for a higher deductible.
Comparison of full coverage and liability-only policies
The information below illustrates the difference between Dodge Avenger insurance prices with full coverage compared to only the Colorado minimum liability coverage. The costs are based on no claims or driving citations, $500 deductibles, single marital status, and no policy discounts are applied.
Are you wasting money paying for full coverage?
There is no set guideline that is best for determining when to drop physical damage coverage on your policy, but there is a general guideline. If the yearly cost of full coverage is 10% or more of replacement cost minus your deductible, then it could be time to drop full coverage.
For example, let’s say your Dodge Avenger replacement cost is $9,000 and you have $1,000 full coverage deductibles. If your vehicle is destroyed, the most your company will settle for is $8,000 after paying the physical damage deductible. If it’s costing you more than $800 annually for physical damage coverage, then it might be time to consider dropping full coverage.
There are some scenarios where eliminating full coverage is not advised. If you still have a loan on your vehicle, you have to carry full coverage to satisfy the loan requirements. Also, if you don’t have enough money to buy a different vehicle in case of an accident, you should not opt for liability only.
Protect more than your Dodge vehicle
Despite the high cost of buying insurance for a Dodge Avenger in Colorado Springs, insuring your vehicle is a good idea for several reasons.
- Most states have mandatory insurance requirements which means state laws require specific minimum amounts of liability protection if you drive a vehicle. In Colorado these limits are 25/50/15 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $15,000 of property damage coverage.
- If you have a loan on your vehicle, almost all lenders will make it mandatory that you have comprehensive coverage to ensure they get paid if you total the vehicle. If you let the policy lapse, the lender will be forced to insure your Dodge at an extremely high rate and make you pay much more than you were paying before.
- Insurance protects your vehicle and your assets. It will also cover hospital and medical expenses for both you and anyone you injure as the result of an accident. Liability coverage also covers all legal expenses up to the policy limit if you are named as a defendant in an auto accident. If your vehicle suffers damage from an accident or hail, your insurance policy will pay all costs to repair after the deductible has been paid.
The benefits of having insurance definitely exceed the price paid, especially when you need to use it. According to a 2015 survey, the average American driver overpays more than $825 a year so compare rate quotes at least once a year to ensure rates are competitive.
Colorado Springs Insurance Rates are Influenced by These Factors
Lots of things are part of the calculation when you get your auto insurance bill. Some factors are common sense such as your driving record, although some other factors are less apparent like your vehicle usage or your commute time.
Increase physical damage deductibles and save – The deductibles you choose define the amount you are willing to pay if a claim is determined to be covered. Coverage for physical damage, also known as collision and other-than-collision, insures against damage to your car. Examples of some claims that would be covered would be rear-ending another vehicle, animal collisions, and damage from wind. The more damage repair cost you have to pay, the less money you will pay for auto insurance.
The more you drive the more you pay – The more you drive each year the higher your rate. A lot of companies charge to insure your cars based upon how much you drive. Vehicles that are left in the garage cost less to insure as compared to vehicles used primarily for driving to work. A policy that improperly rates your Avenger may be costing you. Ask your agent if your auto insurance declarations sheet correctly shows how each vehicle is driven, because improper ratings can cost you money.
Teenage drivers pay more – Older insureds are proven to be safer behind the wheel, cost insurance companies less in claims, and are generally more financially stable. Drivers with little experience are proven to be inattentive and easily distracted when behind the wheel so auto insurance rates are higher.
The next chart uses these assumptions: single driver, full coverage with $500 deductibles, and no discounts or violations.
Does auto insurance cost more for men? – Over time, data shows women are more cautious behind the wheel. Now that doesn’t mean women are BETTER drivers than men. Females and males have fender benders in similar numbers, but males have costlier accidents. In addition to higher claims, males also get more serious tickets such as driving while intoxicated (DWI) or driving recklessly. Males from age 16 to 21 generally have the highest accident percentage and thus pay the highest rates.
The chart below shows the difference between Dodge Avenger car insurance costs for male and female drivers. Data assumes a clean driving record, no at-fault accidents, full coverage, $250 deductibles, drivers are single, and no discounts are applied.
Where you live can affect rates – Having an address in a small town may provide you with better prices when shopping for auto insurance. City drivers have congested traffic and more severe claims. Fewer drivers means fewer accidents as well as less vandalism and auto theft.
Insurance can be complex
When choosing insurance from an agent or online for your personal vehicles, there isn’t really a cookie cutter policy. Every situation is different and your policy should reflect that.
Here are some questions about coverages that can aid in determining whether you might need professional guidance.
- What does roadside assistance cover?
- How many claims can I have before being canceled?
- Am I covered when driving a rental car?
- What should my uninsured motorist coverage limits be in Colorado?
- How can I get the company to pay a claim?
- How can I get my company to pay me more for my totaled car?
- How much liability insurance is required?
- What are good deductibles for a Dodge Avenger?
- Should I have a commercial auto policy?
- How much can I save by bundling my policies?
If you can’t answer these questions but one or more may apply to you, then you may want to think about talking to an agent. If you don’t have a local agent, complete this form or click here for a list of insurance companies in your area. It’s fast, doesn’t cost anything and can provide invaluable advice.
Compare auto insurance prices regularly to save
When getting Colorado Springs auto insurance quotes online, never buy poor coverage just to save money. In too many instances, an insured cut collision coverage only to regret they didn’t have enough coverage. Your goal should be to buy enough coverage at a price you can afford, but do not sacrifice coverage to save money.
Low-cost Dodge Avenger insurance in Colorado Springs can be found from both online companies in addition to many Colorado Springs insurance agents, so you need to quote Colorado Springs auto insurance with both so you have a total pricing picture. Some insurance providers may not provide rates over the internet and many times these regional carriers only sell coverage through local independent agencies.