Affordable Pittsburgh Dodge Avenger Insurance

A recent survey discovered that a large majority of consumers have purchased from the same company for more than four years, and approximately 40% of consumers have never compared quotes from other companies. Pittsburgh drivers could save themselves $690 a year just by getting comparison quotes, but they just don’t want to go online and compare rates.

It takes a few minutes, but the best way to get affordable Dodge Avenger insurance in Pittsburgh is to start comparing rates regularly from insurers in Pennsylvania. Drivers can shop around by following these steps.

1. It will benefit you to learn about how insurance companies determine prices and the changes you can make to drop your rates. Many policy risk factors that result in higher prices like distracted driving and a negative credit history can be amended by improving your driving habits or financial responsibility. This article gives additional tips to help keep prices low and get additional discounts that may have been overlooked.
2. Quote rates from direct carriers, independent agents, and exclusive agents. Direct companies and exclusive agencies can only give prices from one company like GEICO and Allstate, while independent agencies can provide rate quotes from many different companies.
3. Compare the price quotes to the price on your current policy and determine if cheaper Avenger coverage is available in Pittsburgh. If you find better rates, make sure coverage does not lapse between policies.
4. Give notification to your current company to cancel your current car insurance policy and submit payment along with a signed and completed policy application to the new company. As soon as coverage is bound, place your new certificate verifying proof of insurance along with the vehicle’s registration papers.

One bit of advice is that you’ll want to make sure you compare similar coverage information on each price quote and and to get price quotes from as many carriers as you can. This ensures a fair rate comparison and the best price selection.

If you already have coverage or just want to reduce your rates, follow these tips to reduce premiums without having to cut coverage. Finding affordable insurance coverage in Pittsburgh is really not that difficult. Vehicle owners just need to know the tricks to get comparison rates over the internet.

Affordable companies for Dodge Avenger insurance

The companies shown below are our best choices to provide free rate quotes in Pittsburgh, PA. If you want the best auto insurance in Pittsburgh, it’s highly recommended you compare several of them to find the lowest auto insurance rates.

Dodge Avenger insurance coverage information

The price information displayed below highlights estimates of policy rates for Dodge Avenger models. Having a good understanding how car insurance prices are formulated is important to be able to make smart buying decisions.

Data variables include married male driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and Pennsylvania minimum liability limits. Discounts applied include multi-vehicle, safe-driver, claim-free, homeowner, and multi-policy. Price estimates do not factor in Pittsburgh location which can affect prices substantially.

Physical damage deductibles

One frequently asked question is how high or low should comp and collision deductibles be. The comparison tables below may help you to understand how much more rates are between low and high policy deductibles. The first data set uses a $100 deductible for physical damage and the second rate chart uses a $500 deductible.

Cost estimates assume married male driver age 30, no speeding tickets, no at-fault accidents, and Pennsylvania minimum liability limits. Discounts applied include multi-vehicle, multi-policy, claim-free, safe-driver, and homeowner. Price information does not factor in your specific Pittsburgh location which can lower or raise rates substantially.

Based on this data, using a $100 deductible costs an average of $25 more each month or $300 annually than opting for the higher $500 deductible. Due to the fact that you would have to pay $400 more if you file a claim with a $500 deductible as compared to a $100 deductible, if you tend to average at least 16 months between claim filings, you would probably save some money if you choose the higher deductible. The illustration below shows a better example of how you can perform this determination yourself.

The illustration below demonstrates how deductibles and can impact Dodge Avenger insurance costs for different age groups of insureds. The data assumes a married male driver, comp and collision included, and no other discounts are factored in.

Dodge Avenger insurance rates: Men versus women

The diagram below compares Dodge Avenger premium costs for male and female drivers. The data assumes no tickets, no at-fault accidents, full coverage, $100 deductibles, single marital status, and no discounts are taken into consideration.

Dodge Avenger liability-only versus full coverage

The information below compares Dodge Avenger insurance prices with full physical damage coverage compared to only buying liability only. Data assumes no violations or claims, $100 deductibles, single status, and no policy discounts are applied.

Are you wasting money paying for full coverage?

There is no definitive rule for dropping full coverage, but there is a general school of thought. If the annual cost of coverage is more than about 10% of the settlement you would receive from your company, then you might want to consider buying only liability coverage.

For example, let’s assume your Dodge Avenger replacement cost is $5,000 and you have $1,000 full coverage deductibles. If your vehicle is damaged in an accident, the most you would get paid by your company is $4,000 after the deductible is paid. If premium cost is more than $400 annually for physical damage coverage, then it’s probably a good time to buy liability coverage only.

There are a few situations where dropping full coverage is not in your best interest. If you have an outstanding loan on your vehicle, you have to maintain full coverage as part of the loan conditions. Also, if you don’t have enough money to buy a different vehicle in the event your current vehicle is totaled, you should not buy liability only.

Car insurance discounts help lower rates for Dodge Avenger insurance in Pittsburgh

Companies that sell car insurance don’t list the complete list of policy discounts very clearly, so the below list has some of the more common in addition to some of the lesser obvious discounts that may be available.

• Defensive Driving Course – Passing a defensive driving course could earn you a small percentage discount and also improve your driving technique.
• Military Deployment Discount – Being deployed in the military could trigger a small discount.
• Low Mileage Discounts – Keeping the miles down on your Dodge could qualify for discounted premium rates on garaged vehicles.
• Online Discount – Certain companies may give you up to $50 for signing up over the internet.
• Discounts for New Vehicles – Buying insurance on a new vehicle can be considerably cheaper because newer models have to meet stringent safety requirements.
• Accident Free – Drivers who don’t have accidents get the best car insurance rates when compared with drivers who are more careless.
• Discounts for Cautious Drivers – Accident-free drivers can pay as much as 50% less compared to rates paid by drivers with frequent claims.
• Anti-theft System – Cars and trucks that have factory anti-theft systems are less likely to be stolen and will save you 10% or more on Avenger insurance in Pittsburgh.
• Early Renewal Discounts – A few insurance companies allow discounts for switching policies prior to the expiration date on your current Avenger insurance policy. This discount can save up to 10%.

Drivers should understand that some credits don’t apply to all coverage premiums. The majority will only reduce the cost of specific coverages such as comprehensive or collision. So even though they make it sound like it’s possible to get free car insurance, you won’t be that lucky.

The illustration below compares Dodge Avenger insurance premiums with and without discounts applied to the premium. The data is based on a female driver, a clean driving record, no claims, Pennsylvania state minimum liability limits, full coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with marriage, homeowner, safe-driver, multi-policy, multi-car, and claim-free discounts applied.

Large car insurance companies and their possible discounts include:

• State Farm has discounts for accident-free, Steer Clear safe driver discount, defensive driving training, driver’s education, student away at school, and safe vehicle.
• GEICO may have discounts that include air bags, daytime running lights, anti-theft, defensive driver, and military active duty.
• Allstate discounts include early signing, EZ pay plan discount, multi-policy, defensive driver, 55 and retired, and eSmart discount.
• SAFECO includes discounts for multi-car, bundle discounts, anti-lock brakes, teen safety rewards, and homeowner.
• Farm Bureau offers premium reductions for youthful driver, good student, safe driver, multi-vehicle, and renewal discount.
• Progressive may offer discounts for good student, homeowner, multi-policy, online quote discount, continuous coverage, and online signing.
• AAA offers discounts including education and occupation, AAA membership discount, good student, anti-theft, multi-policy, and pay-in-full.

Check with each insurance company the best way to save money. Some of the discounts discussed earlier might not be available to policyholders in your state. If you would like to see a list of providers that offer some of these discounts in Pittsburgh, follow this link.

Eight Tips to Get More Affordable Pittsburgh Insurance Costs

A large part of saving on car insurance is knowing a few of the rating criteria that help determine your policy premiums. If you have some idea of what influences your rates, this enables informed choices that will entitle you to big savings. Many factors are used when you get your auto insurance bill. Some factors are common sense like a motor vehicle report, but other factors are not quite as obvious like your vehicle usage or your vehicle rating.

The list below includes some of the things that factor into rates.

• Allowing your policy to lapse raises car insurance rates – Allowing your coverage to lapse is a fast way to increase your car insurance rates. Not only will you pay higher rates, not being able to provide proof of insurance could earn you a hefty fine and possibly a revoked license. You may have to file a SR-22 with the Pennsylvania DMV.

• Obey driving laws and save – Your driving citation history has a lot to do with how much you pay for insurance. Careful drivers tend to pay less for car insurance than people who have multiple driving citations. Having a single speeding ticket can increase the cost of insurance substantially. People who have flagrant tickets such as DWI, reckless driving or hit and run convictions may be required to submit a SR-22 form with their state’s licensing department in order to prevent their license from being revoked.

  The diagram below illustrates how speeding tickets and at-fault claims can drive up Dodge Avenger premium costs for different insured age categories. The information is based on a married female driver, full coverage, $500 deductibles, and no discounts are applied.

• Premiums increase with policy add-ons – Insurance policies have a lot of extra coverages that you can buy if you aren’t diligent. Coverage for things like replacement cost coverage, towing, and term life insurance may be wasting your money. They may seem like a good idea when discussing your needs, but your money might be better spent on other coverage so consider taking them off your policy.

• What type of car do you drive? – The performance level of the vehicle you are trying to find cheaper insurance for makes a substantial difference in determining your rates. The lowest base rates will generally be found on lower cost passenger vehicles, but the final cost of insurance is determined by many other factors.

  The next chart is based on a single male driver age 40, full coverage with $100 deductibles, and no discounts or violations. The data compares Dodge Avenger rates compared to other models of vehicles that have different performances.

• Insure car and home with the same company – Most major insurers give discounts to buyers who have multiple policies with them, otherwise known as a multi-policy discount. Even if you’re getting this discount it’s still a good idea to get quotes from other companies to make sure you are getting the best deal.

• Teenage driver insurance rates – Older, more experienced drivers are more cautious drivers, tend to cause fewer accidents, and are safer drivers. Teenage drivers tend to be less responsible when driving with friends therefore car insurance rates are much higher.

  The following data assumes a single driver, full coverage with $250 deductibles, and no discounts or violations.

• Being married can save on car insurance – Having a wife or husband can get you a discount on car insurance. Having a significant other means you’re more mature than a single person and statistics prove married couples file fewer claims.
• Do you know your physical damage deductibles? – Comp and collision deductibles state the amount of money the insured will be required to pay if you file a covered claim. 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 collision with another vehicle, animal collisions, or theft of your vehicle. The larger the amount you’re willing to pay, the less your company will charge you for insurance.

Local neighborhood Pittsburgh car insurance agents

A small number of people would prefer to get advice from a local agent and often times that is recommended Experienced insurance agents can help you choose the best coverages and help in the event of a claim. One of the best bonuses of comparing rates online is that drivers can save money and get cheap insurance quotes and still buy from a local agent.

Upon completion of this form (opens in new window), your information is instantly submitted to companies in Pittsburgh who will gladly provide quotes for your coverage. There is no need to visit any agencies because prices are sent directly to you. If you have a need to get a rate quote for a specific company, you would need to find their quoting web page and complete a quote there.

Finding the right insurer requires more thought than just the quoted price. The answers to these questions are important, too.

• How would your car be valued if totaled?
• Can they give you a list of client referrals?
• Do they have advanced training designations such as CPCU, AAI, AIC, or CIC?
• Do they write coverage based solely on cost?
• How are they compensated?
• Do they offer rental car reimbursement?
• Are they actively involved in the community?

Not all car insurance agents are the same

If you’re trying to find a reputable agency, you should know the different types of agents from which to choose. Pittsburgh agents are classified as either independent or exclusive. Both can insure your vehicles properly, but it’s good to learn how they are different because it can impact which agent you choose.

Exclusive Insurance Agents

Agents of this type can only provide pricing for a single company and examples are American Family, State Farm, and Allstate. Exclusive agencies are unable to provide rate quotes from other companies so they really need to provide good service. Exclusive insurance agents are well trained on what they offer which can be an advantage.

The following are exclusive agencies in Pittsburgh who may provide you with price quote information.

More insurance agents

Independent Insurance Agencies

Agents of this type are not restricted to one company so they can quote policies with an assortment of companies and find you the best rates. If they find a lower price, your policy is moved internally and you don’t have to find a new agent.

When searching for an agent, it’s a good idea to include a couple of independent agencies to get the best comparison.

Below is a short list of independent agents in Pittsburgh that can give you rate quotes.

More insurance agents

If you feel you receive reasonable responses to any questions you may have as well as a price you’re happy with, you’ve probably found an auto insurance agent that will service your policy.

How much can you save?

Cheap Dodge Avenger insurance in Pittsburgh is available both online and from local agencies, and you should compare rates from both to have the best rate selection. There are still a few companies who do not provide the ability to get a quote online and usually these small, regional companies only sell coverage through independent agents.

When getting Pittsburgh car insurance quotes online, never reduce coverage to reduce premium. In many instances, an insured cut physical damage coverage only to regret they didn’t have enough coverage. The aim is to get the best coverage possible at the best price, but do not sacrifice coverage to save money.

Throughout this article, we presented many ways to reduce Dodge Avenger insurance car insurance rates online in Pittsburgh. The key concept to understand is the more providers you compare, the better your comparison will be. You may even find the lowest car insurance rates are with the smaller companies. They can often provide lower premium rates in certain areas as compared to the big name companies such as State Farm, GEICO and Nationwide.

More tips and info about auto insurance can be read at these sites:

• Steps to Take After an Auto Accident (Insurance Information Institute)
• Who Has Cheap Pittsburgh Car Insurance Quotes for Drivers Over Age 50? (FAQ)
• How Much is Pittsburgh Car Insurance After a Speeding Ticket? (FAQ)
• Who Has the Cheapest Pittsburgh Auto Insurance for Welfare Recipients? (FAQ)
• Teen Driving Statistics (iihs.org)
• Determining Auto Insurance Rates (GEICO)