Car Insurance Quotes for a Dodge Avenger in Henderson

Insurance rates Dodge Avenger in HendersonAre you doing reasearch to find the cheapest Dodge Avenger insurance in Henderson? Finding better insurance prices for a new or used Dodge Avenger in Nevada could be a painful process, but you can use a few tricks and make it easy.

There is a better way to buy auto insurance and we’ll show you the proper way to get price quotes for a new or used Dodge and locate the lowest possible price from Henderson insurance agents and online providers.

You should make it a habit to check auto insurance prices quite often since insurance prices go up and down regularly. Even if you think you had the lowest price on Dodge Avenger insurance in Henderson a year ago there may be better deals available now. Ignore everything you know about auto insurance because I’m going to teach you the tricks you need to know to find lower rates on auto insurance.

Finding and buying the most affordable car insurance coverage in Henderson is simple if you know the tricks. If you are already insured or want to find a cheaper company, you can follow these tips to save money and still have adequate protection. Smart shoppers just have to know the most efficient way to compare rates on the web.

The majority of larger companies such as State Farm, GEICO and Progressive make it easy to get price estimates on the web. Doing online quotes for Dodge Avenger insurance in Henderson can be done by anyone as you simply enter your coverage preferences into the form. After the form is submitted, the company’s rating system makes automated requests for your driving record and credit report and quotes a price.

The ability to get online price quotes for Dodge Avenger insurance in Henderson makes comparing rates easy, and it’s absolutely necessary to do this in order to get a better rate.

In order to compare rates using this form now, compare quotes from the companies shown below. If you currently have coverage, we recommend you enter deductibles and limits as close as possible to your current policy. This helps ensure you will have a fair comparison based on similar coverages.

The companies shown below can provide quotes in Nevada. If you wish to find the best car insurance in NV, it’s a good idea that you compare several of them to get the best price comparison.

Get cheaper Dodge Avenger insurance rates in Henderson

Insuring your fleet can be pricey, but there could be significant discounts to cut the cost considerably. Certain credits will be shown at the time of quoting, but less common discounts must be asked for before they will apply.Car insurance discounts

One last thing about discounts, most discount credits are not given to the whole policy. Most only reduce individual premiums such as comprehensive or collision. So despite the fact that it appears all those discounts means the company will pay you, companies don’t profit that way.

The example below illustrates the comparison of Dodge Avenger insurance rates with and without some available policy discounts. Data assumes a male driver, no violations or claims, Nevada state minimum liability limits, full coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with homeowner, claim-free, safe-driver, multi-car, marriage, and multi-policy discounts applied.

For a list of companies who offer online Dodge Avenger insurance quotes in Nevada, click here.

Detailed insurance information

The price information displayed next showcases different insurance costs for Dodge Avenger models. Learning a little about how insurance premiums are formulated can help you make smart choices when purchasing an auto insurance policy.

Dodge Avenger Insurance Rates in Henderson, NV
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Avenger Express $294 $694 $470 $28 $140 $1,626 $136
Avenger R/T $294 $694 $470 $28 $140 $1,626 $136
Avenger SXT $294 $694 $470 $28 $140 $1,626 $136
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Data assumes single female driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and Nevada minimum liability limits. Discounts applied include claim-free, safe-driver, homeowner, multi-policy, and multi-vehicle. Premium costs do not factor in the specific area where the vehicle is garaged which can decrease or increase coverage rates considerably.

An analysis of deductible level

One common question asked by Henderson drivers is how high or low should comp and collision deductibles be. The comparison tables below help summarize the premium difference between low and high physical damage deductibles. The first rate table uses a $250 comprehensive and collision deductible and the second data table uses a $500 deductible.

Dodge Avenger insurance prices with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Avenger Express $238 $472 $348 $20 $104 $1,207 $101
Avenger R/T $238 $472 $348 $20 $104 $1,207 $101
Avenger SXT $238 $472 $348 $20 $104 $1,207 $101
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Dodge Avenger insurance prices with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Avenger Express $194 $382 $348 $20 $104 $1,048 $87
Avenger R/T $194 $382 $348 $20 $104 $1,048 $87
Avenger SXT $194 $382 $348 $20 $104 $1,048 $87
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Premium data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Nevada minimum liability limits. Discounts applied include multi-policy, multi-vehicle, claim-free, homeowner, and safe-driver. Price estimates do not factor in specific location information which can decrease or increase premium rates greatly.

Based on the figures above, using a $250 deductible will cost you about $14 more each month or $168 annually across all Dodge Avenger models than choosing the higher $500 deductible. Since the policyholder would be required to pay $250 more if you turn in a claim with a $500 deductible as compared to a $250 deductible, if you usually have at a minimum 18 months between claim filings, you would probably come out ahead if you decide on a higher deductible. The illustration below shows how you can make your own decision.

Average monthly premium for $250 deductibles: $101
Average monthly premium for $500 deductibles (subtract): – $87
Monthly savings from raising deductible: $14
Difference between deductibles ($500 – $250): $250
Divide difference by monthly savings: $250 / $14
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 18 months

One thing to be aware of is that raising deductibles results in having to pay to pay more out-of-pocket when you have a physical damage claim. You will want to have some non-essential savings in the event you need to pay the higher deductible in order to repair your vehicle.

Male drivers compared to female drivers

The example below compares Dodge Avenger insurance costs for male and female drivers. The premiums are based on no claims or driving violations, full coverage, $250 deductibles, single status, and no additional discounts are factored in.

Full coverage rates compared to liability-only

The illustration below compares Dodge Avenger yearly insurance costs with full coverage compared to only the Nevada minimum liability coverage. The premiums assume no claims or driving citations, $250 deductibles, marital status is single, and no policy discounts are applied.

Guidelines for eliminating full coverage

There is no definitive formula to stop paying for full coverage, but there is a guideline you can consider. If the annual cost of comprehensive and collision coverage is 10% or more of the replacement cost of your vehicle minus the policy deductible, then you may need to consider dropping full coverage.

For example, let’s say your Dodge Avenger replacement cost is $7,000 and you have $1,000 deductibles. If your vehicle is totaled, the most you would receive is $6,000 after paying your deductible. If premium cost is more than $600 annually for full coverage, then it might be time to consider dropping full coverage.

There are some cases where eliminating full coverage is not a good plan. If you haven’t satisfied your loan, you are required to maintain full coverage to protect the lienholder’s interest. Also, if you cannot afford to purchase a different vehicle if your current one is in an accident, you should not eliminate full coverage.

How to find a good Henderson car insurance company

Picking the top insurance provider can be rather challenging considering how many companies there are to choose from in Henderson. The company ratings displayed below could help you analyze which insurers you want to consider comparing price quotes from.

Top 10 Henderson Car Insurance Companies Overall

  1. USAA
  2. American Family
  3. State Farm
  4. The Hartford
  5. AAA Insurance
  6. GEICO
  7. The General
  8. Titan Insurance
  9. Progressive
  10. Mercury Insurance

Top 10 Henderson Car Insurance Companies Ranked by Customer Satisfaction

  1. Titan Insurance – 95%
  2. USAA – 94%
  3. AAA Insurance – 91%
  4. Nationwide – 90%
  5. State Farm – 90%
  6. The Hartford – 89%
  7. GEICO – 89%
  8. 21st Century – 88%
  9. Liberty Mutual – 88%
  10. Allstate – 88%

How Your Avenger Insurance Costs are Determined

Smart consumers have a good feel for the different types of things that play a part in calculating your policy premiums. When you know what positively or negatively controls the rates you pay, this allows you to make educated decisions that could help you find lower rates. Many things are considered when you get a price on insurance. A few of the factors are predictable like a motor vehicle report, but other criteria are more transparent like where you live or how safe your car is.

The factors shown below are a few of the “ingredients” used by companies to determine rates.

Vehicle options impact premiums – Purchasing a vehicle with advanced anti-theft systems can help lower your rates. Anti-theft devices like OnStar, LoJack tracking, and tamper alarms all help stop auto theft and help lower rates.

Lower miles equals lower premium – The more miles you rack up on your Dodge in a year the higher the price you pay to insure it. Almost all companies charge to insure your cars based upon how much you drive. Cars and trucks left parked in the garage get more affordable rates compared to those used for work or business. Ask your agent if your vehicle rating properly reflects annual mileage, because improper ratings can cost you money. An improperly rated Avenger may be wasting your money.

Accidents drive up costs – Careful drivers have lower premiums as compared to those with violations. Having just one citation could increase your next policy renewal by as much as twenty percent. Drivers who have gotten dangerous tickets such as reckless driving, hit and run or driving under the influence may find they need to complete a SR-22 to the state department of motor vehicles in order to drive a vehicle legally.

The example below highlights how speeding tickets and fender-benders increase Dodge Avenger insurance costs for different age categories. Data assumes a married male driver, full physical damage coverage, $500 deductibles, and no policy discounts are applied.

Combine policies to earn discounts – Most larger companies afford lower prices to people that have more than one policy, otherwise known as a multi-policy discount. Discounts can add up to ten or even up to twenty percent in some cases. Even with this discount applied, it’s always a smart idea to compare other Henderson Avenger insurance rates to guarantee you are still saving the most.