Find Affordable Dodge Avenger Insurance in Lubbock

  1. Home
  2. >
  3. Lubbock Auto Insurance
  4. >
  5. Dodge Avenger

Insurance for Dodge AvengerWant to learn how to find more affordable Dodge Avenger insurance in Lubbock? Locating cheaper insurance for a Dodge Avenger in Texas can normally be an all-consuming task, but you can learn our auto insurance buying tips to make it easier. There are both good and bad ways to shop for auto insurance so you're going to learn the proper way to quote coverages for your Dodge and obtain the cheapest rates either online or from Lubbock insurance agents.

Unbelievable but true according to a study most drivers have remained with the same auto insurance company for a minimum of four years, and just under half have never compared auto insurance rates at all. Consumers in Texas could save up to $1,800 a year by just shopping around, but they don't understand how simple it is to find cheap rates by getting comparison quotes.

It's smart to take a look at other company's rates every six months because prices change frequently. Just because you had the best deal on Dodge Avenger insurance in Lubbock a few years ago you can probably find a lower rate today. Ignore everything you know about auto insurance because we're going to demonstrate the best way to get good coverage on Dodge Avenger insurance in Lubbock at a lower rate.

These discounts can lower your car insurance rates

Companies offering auto insurance do not advertise every policy discount very well, so the following is a list of both well-publicized and also the lesser-known credits that you can use to lower your rates.Cheaper car insurance with discounts

  • Anti-lock Brakes - Vehicles that have steering control and anti-lock brakes have fewer accidents and the ABS can save up to 10%.
  • Policy Bundle Discount - If you can bundle your homeowners and auto insurance with one company you may earn approximately 10% to 15%.
  • Club Memberships - Joining qualifying clubs or civic groups could earn you a nice discount on your next renewal.
  • No Charge for an Accident - Not a discount per se, but companies like State Farm and Allstate will forgive one accident without the usual rate increase with the catch being you have to be claim-free for a particular time prior to the accident.
  • Resident Student - Youth drivers who are enrolled in a college that is more than 100 miles from Lubbock and leave their car at home may be insured at a cheaper rate.
  • Seat Belt Discounts - Using a seat belt and requiring all passengers to buckle up before driving may be able to save a few bucks on the premium charged for medical payments and/or PIP.
  • Passive Restraints and Air Bags - Factory options such as air bags or motorized seat belts may get savings of 25 to 30%.
  • Theft Deterrent - Cars, trucks, and SUVs optioned with advanced anti-theft systems can help prevent theft and that can save you a little bit as well.
  • Telematics Data Discounts - Insureds that choose to allow data collection to scrutinize when and where they use their vehicle by using a telematics device in their vehicle such as In-Drive from State Farm or Allstate's Drivewise system may see discounts if they are good drivers.
  • Save over 55 - Seniors may be able to get better car insurance rates.

A little disclaimer on discounts, some credits don't apply to the entire policy premium. The majority will only reduce individual premiums such as liability and collision coverage. Even though the math looks like you would end up receiving a 100% discount, you aren't that lucky.

The illustration below illustrates the comparison of Dodge Avenger insurance costs with and without discounts. The premiums assume a female driver, no violations or claims, Texas state minimum liability limits, full coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with marriage, safe-driver, homeowner, multi-policy, multi-car, and claim-free discounts applied.

Larger car insurance companies and a summarized list of policyholder discounts are included below.

  • State Farm offers discounts including anti-theft, Drive Safe & Save, student away at school, safe vehicle, good driver, multiple policy, and multiple autos.
  • GEICO offers discounts for membership and employees, driver training, air bags, anti-lock brakes, anti-theft, five-year accident-free, and military active duty.
  • SAFECO policyholders can earn discounts including multi-car, bundle discounts, drive less, accident prevention training, homeowner, and teen safety rewards.
  • Farmers Insurance discounts include homeowner, multi-car, good student, switch companies, electronic funds transfer, and youthful driver.
  • AAA has discounts for good driver, multi-car, anti-theft, AAA membership discount, pay-in-full, multi-policy, and education and occupation.
  • USAA may include discounts for good student, multi-policy, family discount, annual mileage, defensive driver, and new vehicle.

If you need lower rates, check with every company which discounts they offer. A few discounts might not be available to policyholders in your area. If you would like to view insurance companies that offer multiple discounts in Lubbock, click here.

Lowering your Dodge Avenger insurance rates is actually quite simple. You just need to spend a little time comparing rates from different insurance companies.

The car insurance companies shown below provide quotes in Lubbock, TX. To find cheap auto insurance in TX, we recommend you click on several of them in order to get a fair rate comparison.

Rates and detailed analysis

The premium table below covers different coverage costs for Dodge Avenger models. Having a better understanding of how car insurance prices are figured is important to be able to make smart choices when comparing insurance quotes.

Dodge Avenger Insurance Rates in Lubbock, TX
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Avenger Express $282 $684 $452 $26 $136 $1,580 $132
Avenger R/T $282 $684 $452 $26 $136 $1,580 $132
Avenger SXT $282 $684 $452 $26 $136 $1,580 $132
Get Your Own Custom Quote Go

Above prices assume married female driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and Texas minimum liability limits. Discounts applied include claim-free, multi-policy, multi-vehicle, safe-driver, and homeowner. Estimates do not factor in vehicle garaging location which can increase or decrease auto insurance rates greatly.

Choosing deductibles

One of the more difficult decisions when buying insurance is how high should your deductibles be. The data tables below may help to illustrate the costs and benefits between low and high insurance deductibles. The first rate comparisons uses a $100 deductible for comprehensive and collision coverage and the second pricing table uses a $1,000 deductible.

Dodge Avenger insurance prices with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Avenger Express $328 $698 $430 $26 $128 $1,635 $136
Avenger R/T $328 $698 $430 $26 $128 $1,635 $136
Avenger SXT $328 $698 $430 $26 $128 $1,635 $136
Get Your Own Custom Quote Go
Dodge Avenger insurance prices with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Avenger Express $182 $368 $430 $26 $128 $1,134 $95
Avenger R/T $182 $368 $430 $26 $128 $1,134 $95
Avenger SXT $182 $368 $430 $26 $128 $1,134 $95
Get Your Own Custom Quote Go

Premium data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include multi-policy, homeowner, claim-free, multi-vehicle, and safe-driver. Prices do not factor in the specific area where the vehicle is garaged which can raise or lower price quotes considerably.

Using the data above, we can ascertain that using a $100 deductible would cost the average driver about $41 more each month or $492 each year than selecting the higher $1,000 deductible. Because you would pay $900 more out of your own pocket with a $1,000 deductible as compared to a $100 deductible, if you normally average at a minimum 22 months between claim filings, you would probably save some money if you elect the higher deductible.

Dodge Avenger full coverage rates compared to liability only

The chart below illustrates the difference between Dodge Avenger car insurance rates with and without full coverage. The rates are based on no claims or driving citations, $100 deductibles, single marital status, and no discounts are applied to the premium.

When to stop buying comprehensive and collision coverage

There is no clear-cut rule of when to stop paying for full coverage on your policy, but there is a broad guideline. If the yearly cost of comp and collision coverage is about 10% or more of replacement cost minus your deductible, then it might be time to consider dropping full coverage.

For example, let's say your Dodge Avenger book value is $3,000 and you have $1,000 policy deductibles. If your vehicle is damaged in an accident, the most you would get paid by your company is $2,000 after you pay the deductible. If it's costing in excess of $200 annually for full coverage, then you might consider buying liability only.

There are some situations where buying only liability insurance is not a good idea. If you haven't satisfied your loan, you have to carry full coverage in order to keep the loan. Also, if you can't afford to buy a different vehicle if your current one is in an accident, you should maintain full coverage.

When to get advice from an insurance agency

Some consumers prefer to visit with an insurance agent and that is recommended in a lot of cases Insurance agents are highly skilled in risk management and help submit paperwork. A good thing about comparing auto insurance online is the fact that you can find cheap auto insurance rates and also buy local.

Insurance agency in LubbockTo help locate an agent, after submitting this quick form, the quote information gets sent to local insurance agents who will give you bids for your business. You don't have to contact an agency due to the fact that quote results will go to you. If you have a need to get a price quote from a specific insurance company, you can always go to their quote page and submit a quote form there.

Picking an company requires more thought than just a cheap price. Get answers to these questions too.

  • What discounts might you be missing?
  • Which insurance company do they prefer to write with?
  • How much will you save each year by using a higher deductible?
  • Is their price quote a firm figure or are their hidden costs?
  • Do they make recommendations based only on price?
  • Is the quote a firm price?
  • Is insurance their full-time profession?
  • How often do they review policy coverages?

When looking for an insurance agent, it can be helpful to understand the different agency structures and how they operate. Agents may be either independent or exclusive. Both types of agents can properly insure your vehicles, but it's worth mentioning why they differ because it can factor into the selection process.

Exclusive Insurance Agencies

Exclusive agencies can only provide pricing for a single company and examples are Farmers Insurance, State Farm, or Allstate. They usually cannot compare rates from other companies so keep that in mind. Exclusive agents are usually well trained on sales techniques which can be an advantage. Some people will only buy from exclusive agents primarily because of loyalty to the company rather than having the cheapest rates.

Below are exclusive insurance agents in Lubbock that can give you rate quotes.

More insurance agents

Independent Agencies or Brokers

Agents of this type often have many company appointments so they can quote policies amongst many companies and get the cheapest rates. If they find a lower price, an independent agent can move your coverage and that require little work on your part.

When comparing rate quotes, you should always get insurance quotes from at least one independent agent for the best price selection. Most can insure with companies you've never heard of that can offer cheaper rates than bigger companies.

Shown below is a list of independent agents in Lubbock that are able to give comparison quotes.

More insurance agents

Quote more and you will save more

Consumers who switch companies do it for a number of reasons such as denial of a claim, extreme rates for teen drivers, high rates after DUI convictions or even not issuing a premium refund. Whatever your reason, finding a new insurance company can be easier than you think.

As you quote Lubbock auto insurance, do not buy lower coverage limits just to save a few bucks. There are many occasions where drivers have reduced full coverage only to regret at claim time that it was a big error on their part. Your objective should be to find the BEST coverage for the lowest cost, but do not skimp to save money.

In this article, we covered a lot of information how to save on Dodge Avenger insurance in Lubbock. The key thing to remember is the more price quotes you have, the better your chances of lowering your premium rates. You may even discover the lowest car insurance rates come from some of the lesser-known companies.

Steps to finding low-cost Dodge Avenger insurance in Lubbock

If saving money is your primary concern, then the best way to get the cheapest Dodge Avenger insurance in Lubbock is to start comparing rates regularly from different companies in Texas.

Step 1: Learn about individual coverages and the things you can change to lower rates. Many factors that result in higher prices such as traffic citations, accidents, and bad credit can be amended by making lifestyle changes or driving safer.

Step 2: Obtain price quotes from exclusive agents, independent agents, and direct providers. Exclusive and direct companies can only quote rates from a single company like Progressive and State Farm, while agents who are independent can give you price quotes from many different companies. Get quotes now

Step 3: Compare the new rate quotes to the price on your current policy to determine if switching companies saves money. If you can save some money and make a switch, make sure coverage does not lapse between policies.

Step 4: Notify your current company to cancel your current car insurance policy. Submit payment along with a signed and completed policy application to the new insurer. Once the application is submitted, safely store the certificate of insurance in your vehicle.

A good tip to remember is that you'll want to compare identical deductibles and limits on every price quote and and to get price estimates from as many companies as you can. This guarantees an apples-to-apples comparison and a better comparison of the market.

More information