Save Money on Dodge Avenger Insurance in Bakersfield

Really, the only way to quote cheaper Dodge Avenger insurance is to compare prices once a year from insurers who sell insurance in Bakersfield.

1. Learn about coverages and the measures you can take to lower rates. Many rating factors that result in higher rates like your driving record and poor credit history can be improved by making small lifestyle or driving habit changes. Read the full article for additional ideas to help find cheaper rates and find available discounts that you may qualify for.
2. Compare price quotes from independent agents, exclusive agents, and direct companies. Direct companies and exclusive agencies can only give rate quotes from a single company like Progressive or Allstate, while independent agents can quote rates from many different companies.
3. Compare the price quotes to the premium of your current policy and see if you can save money. If you find a better price, make sure coverage is continuous and does not lapse.
4. Provide written notification to your current company to cancel your current policy and submit the signed application along with the required initial payment for the new coverage. Once the application is submitted, keep the new certificate verifying coverage in an easily accessible location.

An important note is to compare the same liability limits and deductibles on every quote and and to get price estimates from as many car insurance companies as possible. Doing this provides a fair rate comparison and a better comparison of the market.

It goes without saying that insurance companies don’t want you shop around. Insureds who shop around once a year will probably move their business because the odds are good of finding a lower-priced policy. A recent study showed that people who regularly compared price quotes saved approximately $3,400 over four years compared to drivers who don’t regularly compare prices.

If finding the best price on insurance in Bakersfield is your target objective, then learning a little about the best way to shop and compare auto insurance can save time and make the process easier.

If you are already insured, you will definitely be able to get lower rates using the techniques presented in this article. Choosing the best rates in Bakersfield is really not that difficult. Although California vehicle owners benefit from understanding the way companies sell online because rates are impacted by many factors.

When quoting insurance, remember that more quotes helps improve the odds of finding a lower rate than you’re paying now.

The companies shown below can provide quotes in Bakersfield, CA. If multiple companies are listed, it’s highly recommended you visit several of them in order to find the cheapest rates.

Insurance rate breakdown

The coverage table displayed next showcases estimates of coverage costs for Dodge Avenger models. Learning a little about how auto insurance policy rates are determined can assist in making smart choices when choosing a car insurance company.

Premium data assumes married male driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and California minimum liability limits. Discounts applied include multi-vehicle, safe-driver, multi-policy, claim-free, and homeowner. Rate information does not factor in specific garaging location which can increase or decrease auto insurance rates significantly.

Should you raise deductibles?

One common question asked by Bakersfield drivers is what deductibles to buy. The comparison tables below can help you understand the rate difference of buying low and high physical damage coverage deductibles. The first set of prices uses a $100 deductible for comprehensive and collision coverage and the second rate table uses a $500 deductible.

Prices above based on married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include claim-free, multi-policy, multi-vehicle, homeowner, and safe-driver. Price estimates do not factor in vehicle garaging location which can revise insurance rates noticeably.

Based on this data, we can arrive at the conclusion that using a $100 deductible costs roughly $33 more each month or $396 for a full year averaged for all Avenger models than opting for the higher $500 deductible. Because you would pay $400 more to settle a claim with a $500 deductible as compared to a $100 deductible, if you have at least 12 months between claim filings, you would most likely save money if you opt for a higher deductible.

The illustration below shows how different deductible levels and can impact Dodge Avenger yearly insurance costs for different ages of insureds. The price estimates are based on a married female driver, full physical damage coverage, and no discounts are factored in.

The Dodge Avenger Insurance Premium Equation

Lots of factors are part of the equation when you get a price on insurance. Some are pretty understandable like an MVR report, although others are not as apparent like your vehicle usage or your commute time. Smart consumers have a good feel for the different types of things that go into determining car insurance rates. When consumers understand what impacts premium levels, this enables you to make decisions that can help you get much lower annual insurance costs.

Youthful drivers cost more – Young drivers in California are proven to be careless and easily distracted when behind the wheel so they pay higher car insurance rates. Having to add a first-time driver to your policy can break the bank. More mature drivers are proven to be safer behind the wheel, cost insurance companies less in claims, and get fewer tickets.

The following data uses these assumptions: single driver, full coverage with $1000 deductibles, and no discounts or violations.

Rate your vehicle for proper use – Driving a lot of miles every year the higher your rates will be. Most insurance companies price each vehicle’s coverage determined by how the vehicle is used. Cars and trucks not used for work or commuting receive better premium rates as compared to vehicles used primarily for driving to work. Ask your agent if your car insurance policy is rated on the correct usage for each vehicle. Incorrect rating for your Avenger may be costing you higher rates.

Premiums increase with driving tickets – Careful drivers pay less for auto insurance compared to bad drivers. Just one speeding ticket could increase your next policy renewal forty percent or more. Drivers who get severe citations like DWI, reckless driving or hit and run convictions are required to file a SR-22 with their state motor vehicle department in order to continue driving.

The illustration below illustrates how traffic citations and accident claims impact Dodge Avenger car insurance rates for each age group. The prices are based on a married male driver, full coverage, $500 deductibles, and no discounts are applied to the premium.

High physical damage deductibles equal low rates – Physical damage protection, termed comprehensive and collision coverage on your policy, covers your vehicle from damage. Some coverage claims are a dented fender, vandalism, and having your car stolen. Deductibles for physical damage define how much you are willing to pay before a claim is paid by your company. The higher the amount the insured is willing to pay, the lower your rates will be.

Prices impacted by your city – Residing in a rural area can be a good thing when buying car insurance. Fewer drivers and short commutes means a lower chance of having an accident in addition to lower liability claims. Residents of big cities have more auto accidents and longer commute times. Higher commute times means higher likelihood of an accident.

Performance impacts prices – The make and model of the car, truck or SUV you are trying to find cheaper insurance for makes a big difference in your premium level. Small economy passenger vehicles generally have the cheapest insurance rates, but that’s not the only thing that factors into the final price.

The following chart uses these assumptions: single female driver age 20, full coverage with $250 deductibles, and no discounts or violations. The data compares Dodge Avenger insurance rates compared to other makes and models that have a range of performance risks.

Protect your Dodge vehicle and other assets

Even though it can be expensive, paying for insurance is not optional due to several reasons.

• Most states have minimum liability requirements which means you are required to buy a minimum amount of liability insurance coverage if you don’t want to risk a ticket. In California 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.
• If you have a lien on your Avenger, almost all lenders will require that you have comprehensive coverage to ensure they get paid if you total the vehicle. If you cancel or allow the policy to lapse, the bank will be required to insure your Dodge at a much higher premium rate and force you to pay for it.
• Insurance safeguards not only your Dodge Avenger but also your assets. It also can pay for all forms of medical expenses that are the result of an accident. As part of your policy, liability insurance also pays expenses related to your legal defense if you cause an accident and are sued. If you have damage to your Dodge as the result of the weather or an accident, collision and comprehensive (also known as other-than-collision) coverage will cover the damage repairs after a deductible is paid.

The benefits of buying insurance outweigh the cost, specifically if you ever have a liability claim. An average driver in America is currently overpaying as much as $825 a year so it’s very important to do a rate comparison at every renewal to help ensure money is not being wasted.