Nobody I know likes having to buy auto insurance, especially knowing they are paying too much.
Many car insurance companies compete for your hard-earned dollar, so it can be very hard to choose a insurance company to find the lowest price
Finding Auto Insurance Deals
Most companies allow you to get pricing on the web. The process doesn’t take a lot of time as you just enter the amount of coverage you want as detailed in the form. After you complete the form, their rating system pulls your driving record and credit report and returns a price. This makes comparing rates easy, but the time required to go to several different sites and type in the same information can be a bit repetitive. But it’s very important to do this if you want to find lower prices.
A more efficient way to locate the lowest prices utilizes a single form that gets price quotes from a bunch of companies at once. The form is fast, helps eliminate reptitive entry, and makes online shopping much more enjoyable and efficient. After sending the form, your coverage is rated and you are able to buy any of the quote results. If the quotes result in lower rates, you can click and sign and purchase coverage. The entire process only takes a few minutes and could lower your rates considerably.
To save time and find out if lower rates are available, simply click here to open in new window and enter your vehicle and coverage information. If you currently have coverage, we recommend you duplicate deductibles and limits as close as possible to your current policy. This way, you will be getting a price comparison using the exact same coverages.
The auto insurance bait and switch
Companies like State Farm and Allstate consistently run ads on television and other media. All the ads make an identical promise of big savings if you change your policy. How do they all make almost identical claims?
All companies are able to cherry pick for the type of driver that is profitable for them. An example of a driver they prefer could be over the age of 40, has no prior claims, and drives newer vehicles. A driver who meets those qualifications receives the best rates and most likely will save a lot of money.
Consumers who are not a match for the “perfect” profile will be charged higher rates which leads to business not being written. Company advertisements say “drivers who switch” not “everybody who quotes” save that kind of money. That is how companies can state the savings. That is why it’s extremely important to get as many quotes as possible. It’s impossible to know the company that will provide you with the cheapest rates.
Do you qualify for discounts?
Companies don’t always list every discount very well, so we break down both well-publicized as well as the least known auto insurance savings.
- Discount for Life Insurance – Select insurance companies reward you with a break if you buy a life insurance policy as well.
- Military Discounts – Being deployed with a military unit may qualify for rate reductions.
- Homeowners Pay Less – Owning a home can save you money because of the fact that having a home requires personal responsibility.
- Senior Discount – Older drivers may qualify for a discount up to 10% on Avenger coverage.
- Discount for Good Grades – Performing well in school can save 20 to 25%. The good student discount can last well after school through age 25.
- Student Driver Training – Cut your cost by having your teen driver successfully complete driver’s ed class if it’s offered in school.
- E-sign – A few companies will discount your bill up to fifty bucks for buying a policy and signing up online.
- Organization Discounts – Being a member of a professional or civic organization could qualify you for a break when buying auto insurance on Avenger coverage.
- Safe Drivers – Drivers who don’t get into accidents may save up to 50% more on Avenger coverage than drivers with accidents.
- Theft Prevention System – Cars that have factory anti-theft systems can help prevent theft and qualify for as much as a 10% discount.
As a disclaimer on discounts, some credits don’t apply to the entire cost. Most only cut the price of certain insurance coverages like liability and collision coverage. Even though it may seem like you could get a free auto insurance policy, companies wouldn’t make money that way.
Online plus local equals savings
When shopping online for auto insurance, it’s not a good idea to reduce needed coverages to save money. There have been many situations where someone dropped physical damage coverage only to discover later that saving that couple of dollars actually costed them tens of thousands. Your focus should be to purchase plenty of coverage at a price you can afford while still protecting your assets.
The cheapest Dodge Avenger insurance can be bought on the web as well as from independent agents, and you need to price shop both to have the best selection. Some companies don’t offer the ability to get a quote online and many times these small, regional companies only sell through independent insurance agents.
