Dodge Avenger Insurance Quotes in Stockton

Insurance rates Dodge Avenger in StocktonThe best way we recommend to get budget Dodge Avenger insurance is to make a habit of comparing prices annually from different companies who sell insurance in Stockton. You can shop around by following these steps.

First, it will benefit you to learn about how companies set rates and the factors you can control to prevent expensive coverage. Many rating factors that result in higher rates such as careless driving and a less-than-favorable credit score can be controlled by being financially responsible and driving safely.

Second, obtain price quotes from direct, independent, and exclusive agents. Direct and exclusive agents can only provide price estimates from one company like GEICO or Allstate, while agents who are independent can provide prices from multiple insurance companies. View prices

Third, compare the quotes to your existing policy to see if you can save by switching companies. If you find a lower rate quote and decide to switch, make sure the effective date of the new policy is the same as the expiration date of the old one.

Fourth, provide adequate notice to your current company to cancel the current policy and submit the signed application along with the required initial payment to your new insurance company. Once the application is submitted, keep the new certificate of insurance somewhere easily accessible.

One key aspect when comparing rates is that you’ll want to make sure you compare identical limits and deductibles on each price quote and to quote with as many companies as possible. This enables the most accurate price comparison and a thorough price selection.

It’s an obvious statement that car insurance companies don’t want you to compare rates. Consumers who get comparison quotes at least once a year will most likely switch to a new company because they stand a good chance of finding good coverage at a lower price. A recent insurance study discovered that drivers who made a habit of comparing rates saved approximately $850 each year as compared to drivers who never shopped around for better prices.

If finding the cheapest price on insurance in Stockton is why you’re here, learning how to get rate quotes and compare coverages can make shopping around easier.

Our goal is to tell you how auto insurance companies operate and also pocket some savings If you are insured now, you should be able to get lower rates using this information. Nevertheless, California drivers should learn the way insurance companies market on the web and use this information to your advantage.

The quickest method to get policy rate comparisons for Dodge Avenger insurance in Stockton is to take advantage of the fact all the major auto insurance companies participate in a system to give you rate quotes. All you need to do is provide information such as if the vehicle is leased, daily mileage, an estimate of your credit level, and how old drivers are. The data is instantly submitted to many highly-rated insurers and they respond with quotes very quickly.

To check rates for your Dodge Avenger now, click here and complete the quick form.

The providers in the list below can provide price quotes in Stockton, CA. If the list has multiple companies, we recommend you click on several of them in order to get a fair rate comparison.

Dodge Avenger insurance coverage information

The premium table below highlights different insurance rates for Dodge Avenger models. Learning a little about how premiums are established can benefit drivers when making decisions on which insurance to purchase.

Dodge Avenger Insurance Rates in Stockton, CA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Avenger Express $296 $688 $480 $28 $144 $1,636 $136
Avenger R/T $296 $688 $480 $28 $144 $1,636 $136
Avenger SXT $296 $688 $480 $28 $144 $1,636 $136
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Data variables include married male driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and California minimum liability limits. Discounts applied include multi-policy, safe-driver, multi-vehicle, homeowner, and claim-free. Premium amounts do not factor in the specific area where the vehicle is garaged which can increase or decrease insurance rates significantly.

Comparison of policy deductibles

One of the most common insurance questions is where to set your physical damage deductibles. The comparison tables below show the differences in premium rates when you buy lower versus higher deductibles. The first data set uses a $100 comprehensive and collision deductible and the second pricing table uses a $500 deductible.

Dodge Avenger insurance premium rates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Avenger Express $380 $810 $500 $30 $150 $1,895 $158
Avenger R/T $380 $810 $500 $30 $150 $1,895 $158
Avenger SXT $380 $810 $500 $30 $150 $1,895 $158
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Dodge Avenger insurance premium rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Avenger Express $278 $546 $500 $30 $150 $1,504 $125
Avenger R/T $278 $546 $500 $30 $150 $1,504 $125
Avenger SXT $278 $546 $500 $30 $150 $1,504 $125
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Cost estimates assume married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include multi-vehicle, homeowner, claim-free, safe-driver, and multi-policy. Information does not factor in specific location information which can increase or decrease coverage rates greatly.

Based on this data, using a $100 deductible costs roughly $33 more each month or $396 for a full year averaged for all Avenger models than choosing the higher $500 deductible. Since you would have to pay $400 more to settle a claim with a $500 deductible as compared to a $100 deductible, if you tend to have more than 12 months between claim filings, you would probably come out ahead if you elect the higher deductible.

How to decide to raise your deductibles

Average monthly premium for $100 deductibles: $158
Average monthly premium for $500 deductibles (subtract): – $125
Monthly savings from raising deductible: $33
Difference between deductibles ($500 – $100): $400
Divide difference by monthly savings: $400 / $33
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 12 months

An important thing to remember is that raising deductibles to get cheaper rates means you will have to pay more when you have to file a claim. You need some extra funds in order to pay the deductible for vehicle repair.

The diagram below illustrates how choosing a deductible and can increase or decrease Dodge Avenger premium costs for each different age category. The price estimates are based on a single female driver, comprehensive and collision coverage, and no policy discounts are applied.

Three good reasons to insure your vehicle

Even though it’s not necessarily cheap to insure a Dodge in Stockton, buying car insurance serves an important purpose.

The benefits of having car insurance definitely exceed the price paid, particularly for liability claims. As of last year, the average driver in California overpays as much as $830 a year so it’s very important to do a rate comparison each time the policy renews to ensure rates are inline.

Why You Might Pay Inflated Rates in Stockton

Smart consumers have a good feel for a few of the rating criteria that aid in calculating your policy premiums. If you know what positively or negatively impacts your premiums, this empowers consumers to make smart changes that can earn you lower rates.

Don’t give up on cheaper rates

In this article, we presented a lot of ways to find affordable Dodge Avenger insurance in Stockton. The key concept to understand is the more times you quote, the higher your chance of finding cheaper Stockton car insurance quotes. You may even find the best auto insurance rates are with the smaller companies.

People who switch companies do it for any number of reasons including extreme rates for teen drivers, questionable increases in premium, policy non-renewal and high prices. It doesn’t matter what your reason, choosing a new insurance company is pretty easy and you might even save some money in the process.

The cheapest Dodge Avenger insurance in Stockton is definitely available from both online companies as well as from independent agents in Stockton, and you need to comparison shop both to have the best rate selection. There are still a few companies who may not have price quotes online and most of the time these smaller providers only sell coverage through independent agents.

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