Save Money on Dodge Avenger Insurance in San Antonio

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Insurance quote for Dodge Avenger in San AntonioHow many times have you told yourself to find the cheapest Dodge Avenger insurance in San Antonio? Getting affordable San Antonio Dodge Avenger insurance quotes online can be intimidating for drivers that are not comfortable with quoting and shopping for insurance on the internet. With dozens of insurance companies available, how can drivers possibly compare the different rates to find the cheapest available price?

It's an obvious conclusion that car insurance companies don't want their policyholders to compare prices. Insureds who compare rates at least once a year will, in all likelihood, switch companies because they have a good chance of finding lower prices. A recent study showed that consumers who did price comparisons regularly saved about $70 a month compared to other drivers who never shopped for cheaper rates.

If finding budget-friendly rates on insurance is your goal, then learning about how to find companies and compare insurance premiums can save time, money, and frustration.

Cheap Dodge insurance rate quotes in San Antonio

The companies in the list below provide quotes in San Antonio, TX. If the list has multiple companies, it's a good idea that you get rate quotes from several of them to find the most affordable auto insurance rates.

Analysis of coverages

The data table shown below covers a range of coverage prices for Dodge Avenger models. Having knowledge of how premiums are figured is important for you to make smart buying decisions.

Dodge Avenger Insurance Rates in San Antonio, TX
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Avenger Express $230 $532 $560 $34 $168 $1,524 $127
Avenger R/T $230 $532 $560 $34 $168 $1,524 $127
Avenger SXT $230 $532 $560 $34 $168 $1,524 $127
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Cost estimates assume single female driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Texas minimum liability limits. Discounts applied include multi-vehicle, claim-free, homeowner, safe-driver, and multi-policy. Price information does not factor in zip code location which can influence insurance rates substantially.

Should you raise deductibles?

When buying insurance, a common question is which deductibles should you choose. The data tables below lay out how much more you'll pay between low and high physical damage deductibles. The first pricing table uses a $100 deductible for physical damage and the second data table uses a $500 deductible.

Dodge Avenger insurance rates 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
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Dodge Avenger insurance rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Avenger Express $240 $472 $430 $26 $128 $1,296 $108
Avenger R/T $240 $472 $430 $26 $128 $1,296 $108
Avenger SXT $240 $472 $430 $26 $128 $1,296 $108
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Data variables include married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include multi-policy, multi-vehicle, homeowner, safe-driver, and claim-free. Rate information does not factor in specific location which can impact price quotes considerably.

We can derive from the above data that using a $100 deductible will cost you about $28 more each month or $336 every year than requesting the higher $500 deductible. Due to the fact that you would have to pay $400 more out of your own pocket with a $500 deductible as compared to a $100 deductible, if you go more than 14 months between claims, you would probably come out ahead if you choose the higher deductible. Below is an example of how you can make your own decision.

Average monthly premium for $100 deductibles: $136
Average monthly premium for $500 deductibles (subtract): - $108
Monthly savings from raising deductible: $28
Difference between deductibles ($500 - $100): $400
Divide difference by monthly savings: $400 / $28
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 14 months

Safe drivers San Antonio pay cheaper rates

The example below highlights how traffic violations and at-fault claims influence Dodge Avenger insurance premiums for each age group. The rate quotes are based on a single female driver, full physical damage coverage, $1,000 deductibles, and no discounts are taken into consideration.

Dodge Avenger insurance costs by gender and age in San Antonio

The diagram below shows the difference between Dodge Avenger insurance premiums for male and female drivers. The data assumes no violations or accidents, full physical damage coverage, $1,000 deductibles, single marital status, and no discounts are applied to the premium.

Does it make sense to buy full coverage?

The information below visualizes the comparison of Dodge Avenger insurance costs with full physical damage coverage compared to only buying liability only. Data assumes no tickets, no at-fault accidents, $100 deductibles, single marital status, and no discounts are applied to the premium.

When to stop buying physical damage coverage

There is no clear-cut formula for dropping full coverage, but there is a guideline you can use. If the annual cost of your full coverage insurance is about 10% or more of any settlement you would receive from your insurance company, then you might consider buying liability only.

For example, let's pretend your Dodge Avenger replacement cost is $7,000 and you have $1,000 policy deductibles. If your vehicle is destroyed, the most your company will settle for is $6,000 after paying your deductible. If it's costing you more than $600 a year for your policy with full coverage, then it might be time to buy liability only.

There are some cases where dropping physical damage coverage is not recommended. If you still have a lienholder on your title, you have to carry full coverage to protect the lienholder's interest in the vehicle. Also, if you cannot afford to purchase a different vehicle if your current one is totaled, you should not consider dropping full coverage.

Cheaper rates with these discounts on Dodge Avenger insurance in San Antonio

The price of auto insurance can be rather high, but you can get discounts to help bring down the price. Some trigger automatically at the time of purchase, but some may not be applied and must be inquired about prior to getting the savings.

  • Save with a New Car - Buying a new car model is cheaper because new vehicles are generally safer.
  • Defensive Driver - Passing a defensive driving course could earn you a small percentage discount and easily recoup the cost of the course.
  • Save with More Vehicles Insured - Buying insurance for multiple cars or trucks with the same company can reduce the rates for all insured vehicles.
  • Paperless Signup - A few larger online companies provide a small discount simply for signing on the internet.
  • Seat Belts Save - Buckling up and requiring all passengers to buckle their seat belts can save a little on the medical payments or PIP coverage costs.
  • Multi-line Discount - If the company offers life insurance, you could get a break if you buy auto and life insurance together.
  • Anti-lock Brake System - Cars and trucks with anti-lock braking systems prevent accidents and earn discounts up to 10%.

Don't be shocked that most discount credits are not given to the overall cost of the policy. The majority will only reduce specific coverage prices like medical payments or collision. So when the math indicates all the discounts add up to a free policy, it just doesn't work that way. But any discount will cut your auto insurance premiums.

The information below shows the comparison of Dodge Avenger auto insurance rates with and without policy discounts. The premiums are based on a female driver, no driving violations, no at-fault accidents, Texas 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 multi-car, claim-free, marriage, homeowner, multi-policy, and safe-driver discounts applied.

A partial list of companies that possibly offer some of the discounts shown above may include but are not limited to:

Check with all companies you are considering which discounts can lower your rates. Some of the discounts discussed earlier may not be available in your state. To choose insurers who offer auto insurance discounts in Texas, click here.

When to get professional advice

Always remember that when buying adequate coverage, there is no one size fits all plan. Coverage needs to be tailored to your specific needs so this has to be addressed. Here are some questions about coverages that can aid in determining if you would benefit from professional advice.

  • What is UM/UIM insurance?
  • How do I insure my teen driver?
  • Do they offer discounts for home and auto coverage?
  • Should I buy additional glass protection?
  • When should I buy a commercial auto policy?
  • Which companies will insure me after a DUI?
  • Can I make deliveries for my home business?
  • Do I have coverage when pulling a U-Haul trailer?
  • Do I pay less if my vehicle is kept in my garage?

If you can't answer these questions then you might want to talk to a licensed agent. To find an agent in your area, fill out this quick form or you can also visit this page to select a carrier

Auto insurance agents near you

Many drivers still prefer to buy from a local agent and doing that can be a smart decision One of the great benefits of comparing insurance prices online is you can get the best rates but still work with a licensed agent. And providing support for small agencies is important particularly in San Antonio.

Insurance agents in San AntonioFor easy comparison, once you complete this simple form, your insurance coverage information is instantly submitted to participating agents in San Antonio who can give free rate quotes for your insurance coverage. There is no need to contact any agents since price quotes are sent directly to you. You can get cheaper insurance rates and work with a local agent. If you want to compare prices from a specific insurance provider, you can always jump over to their website and complete a quote there.

Choosing the best insurance company shouldn't rely on just the quoted price. Any good agent in San Antonio should know the answers to these questions.

  • Does the agent have a valid license to sell insurance in Texas?
  • Are claims handled at the agent's location?
  • Can they provide you with a list of referrals?
  • Does the agency have a current Errors and Omissions policy?
  • Will their companies depreciate repairs to your car based on the mileage?
  • Is there any savings for paying the full premium?
  • Do they regularly work with personal auto policies in San Antonio?

Get the best coverage at the most affordable price

As you prepare to switch companies, you should never skimp on coverage in order to save money. There are many occasions where someone dropped comprehensive coverage or liability limits and learned later that saving that couple of dollars actually costed them tens of thousands. The ultimate goal is to buy the best coverage you can find at an affordable rate, but do not skimp to save money.

The cheapest Dodge Avenger insurance in San Antonio can be sourced from both online companies and with local San Antonio insurance agents, and you should be comparing both to have the best selection. Some insurance providers may not have the ability to get a quote online and these smaller providers provide coverage only through independent insurance agents.

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