Best Rates for Dodge Avenger Insurance in Boston

If your goal is the lowest price, then the best way to find the cheapest price for Dodge Avenger insurance in Boston is to make a habit of comparing prices annually from providers who sell insurance in Massachusetts. Prices can be compared by following these guidelines.

1. Spend a few minutes and learn about how insurance works and the factors you can control to prevent expensive coverage. Many rating criteria that cause high rates such as traffic violations and a substandard credit history can be controlled by paying attention to minor details. This article gives additional tips to get affordable coverage and find additional discounts.
2. Obtain price quotes from direct, independent, and exclusive agents. Direct and exclusive agents can provide rates from one company like GEICO or State Farm, while agents who are independent can provide price quotes from many different companies.
3. Compare the new rates to your existing coverage to see if switching to a new carrier will save money. If you can save some money and buy the policy, make sure there is no lapse in coverage.
4. Tell your current agent or company to cancel your current car insurance policy and submit a signed application and payment for the new policy. Once received, put the certificate verifying coverage in your glove compartment.

A good piece of advice is to make sure you enter identical limits and deductibles on each quote and and to analyze every insurance company. Doing this ensures an accurate price comparison and plenty of rates choose from.

Shockingly, nearly 70% of customers kept their policy with the same company for more than four years, and approximately 40% of consumers have never even compared quotes to find cheaper rates. Massachusetts drivers could save approximately 45% every year, but most just don’t grasp the amount of savings they would get if they switched to a cheaper policy.

Get cheaper rates on Dodge Avenger insurance in Boston with these six discounts

Car insurance is not cheap, but there may be some discounts that you may not even know about. Many of these discounts will be applied automatically at the time of purchase, but lesser-known reductions have to be specifically requested before being credited. If you aren’t receiving every discount you deserve, you could be getting lower rates.

• Own a Home – Owning your own home or condo can get you a discount because owning a home is proof of financial responsibility.
• Low Mileage Discounts – Maintaining low annual mileage may enable drivers to earn better auto insurance rates on cars that stay parked.
• Discount for Swiching Early – Some insurance companies provide a discount for switching policies before your current expiration date. You can save around 10% with this discount.
• Drive Safe and Save – Drivers without accidents can save up to 40% or more on their Boston car insurance quote than drivers with accident claims.
• First Accident Forgiveness – This one isn’t a discount, but companies like State Farm and GEICO will allow you to have one accident before hitting you with a surcharge as long as you don’t have any claims for a set time period.
• College Student – Children living away from Boston attending college and won’t have access to an insured vehicle can be insured at a reduced rate.

You should keep in mind that some credits don’t apply to the whole policy. The majority will only reduce individual premiums such as liability, collision or medical payments. So despite the fact that it appears you would end up receiving a 100% discount, it doesn’t quite work that way. But all discounts will cut your policy premium.

The chart below shows the comparison of Dodge Avenger auto insurance costs with and without some available policy discounts. The premium estimates are based on a female driver, no claims, a clean driving record, Massachusetts state minimum liability limits, comprehensive and collision coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with marriage, claim-free, multi-car, homeowner, multi-policy, and safe-driver discounts applied.

To choose providers that offer discounts in Massachusetts, click here to view.

The best way we recommend to get policy rate comparisons for Dodge Avenger insurance in Boston takes advantage of the fact most of the bigger providers participate in online systems to give rate comparisons. The only thing you need to do is provide a little information like if your license is active, how much school you completed, driver details, and what your job is. Your information is instantly submitted to insurance carriers in your area and they return quotes almost instantly.

To start a quote now, click here and complete the form.

The providers in the list below have been selected to offer comparison quotes in Massachusetts. To buy the best car insurance in MA, we recommend you visit several of them to find the lowest auto insurance rates.

Insurance coverage analysis

The table below showcases estimates of insurance coverage prices for Dodge Avenger models. Learning more about how insurance policy premiums are figured is important for making smart choices when comparing insurance quotes.

Premium data assumes single male driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Massachusetts minimum liability limits. Discounts applied include safe-driver, multi-policy, claim-free, homeowner, and multi-vehicle. Table data does not factor in garaging location in Boston which can affect rates significantly.

Physical damage deductibles

One of the most common insurance questions is how high or low should comp and collision deductibles be. The comparison tables below outline the difference in cost when you choose different physical damage deductibles. The first price estimate table uses a $250 deductible for physical damage and the second rate chart uses a $1,000 deductible.

Data rating is based on married male driver age 30, no speeding tickets, no at-fault accidents, and Massachusetts minimum liability limits. Discounts applied include claim-free, safe-driver, multi-policy, multi-vehicle, and homeowner. Rate information does not factor in Boston location which can alter price quotes considerably.

We can derive from the above data that using a $250 deductible would cost the average driver about $26 more each month or $312 each year than selecting the higher $1,000 deductible. Because you would pay $750 more to settle a claim with a $1,000 deductible as compared to a $250 deductible, if you tend to average at a minimum 29 months between claims, you would save more money if you decide on a higher deductible.

Tickets and at-fault accidents raise rates

The chart below shows how violations and at-fault claims increase Dodge Avenger insurance rates for each age group. The rate quotes are based on a married female driver, comprehensive and collision coverage, $100 deductibles, and no discounts are taken into consideration.

Age-based insurance rates by gender

The example below illustrates the comparison of Dodge Avenger auto insurance costs for male and female drivers. The costs are based on no accidents, no driving violations, comp and collision included, $250 deductibles, drivers are single, and no discounts are taken into consideration.

Rate comparison of full coverage and liability-only

The illustration below shows the difference between Dodge Avenger insurance prices when comparing full coverage to state minimum liability only. The price estimates are based on no violations or claims, $500 deductibles, marital status is single, and no policy discounts are applied.

When to stop buying physical damage coverage

There is no specific rule for excluding comp and collision coverage, but there is a guideline you can use. If the annual cost of your full coverage insurance is more than 10% of the settlement you would receive from your company, then it’s probably a good time to buy liability coverage only.

For example, let’s pretend your Dodge Avenger book value is $7,000 and you have $1,000 deductibles. If your vehicle is damaged in an accident, the most you would receive is $6,000 after paying your policy deductible. If premiums are more than $600 a year to have full coverage, then you might want to think about dropping full coverage.

There are a few cases where dropping physical damage coverage is not a good idea. If you still have a loan on your vehicle, you have to carry full coverage to satisfy the loan requirements. Also, if you cannot afford to purchase a different vehicle if your current one is damaged, you should maintain full coverage.

Insurance agencies can help

Many drivers prefer to visit with an insurance agent and there is nothing wrong with that. The best thing about getting free rate quotes online is that you can obtain cheap rate quotes and still have an agent to talk to. Putting coverage with small agencies is especially important in Boston.

To help locate an agent, after submitting this short form, your coverage information gets sent to local insurance agents in Boston that provide free Boston car insurance quotes for your insurance coverage. There is no reason to even leave your home because prices are sent to you instantly. Get lower rates and a licensed agent to work with. If you wish to quote rates from a particular provider, you just need to search and find their rate quote page and give them your coverage information.

If you want to buy insurance from an insurance agent, it helps to know the two different agency structures and how they function. Agencies in Boston can be categorized as either independent (non-exclusive) or exclusive.

Independent Insurance Agencies

Independent agents are not employed by any specific company and that gives them the ability to insure through lots of different companies and find the cheapest insurance rates. If they find a lower price, the business is moved internally and you can keep the same agent.

If you are comparing rate quotes, it’s recommended you get some free quotes from several independent agencies to maximize your price options.

Shown below are independent agents in Boston that can give you comparison quotes.

More insurance agents

Exclusive Insurance Agencies

Agents of this type can usually just insure with one company such as Allstate, State Farm and Farmers Insurance. They generally cannot compare rates from other companies so they have no alternatives for high prices. Exclusive agents receive extensive training in insurance sales which helps them sell on service rather than price.

Shown below are Boston exclusive agents that are able to give rate quotes.

More insurance agents

Picking the best insurance agency shouldn’t rely on just a cheap quote. Before buying a policy in Boston, get answers to these questions.

• Is the agent and/or agency licensed to do business in Massachusetts?
• How many years have they been established?
• Is vehicle mileage a factor when determining depreciation for repairs?
• Do they have a Better Business Bureau rating in Boston?
• What company do they have the most business with?
• Does the agent help file claims?

Auto insurance is not optional but you don’t have to overpay

Despite the high cost of buying insurance for a Dodge Avenger in Boston, auto insurance serves a purpose in several ways.

• Just about all states have compulsory liability insurance requirements which means the state requires specific limits of liability insurance coverage if you don’t want to risk a ticket. In Massachusetts these limits are 20/40/5 which means you must have $20,000 of bodily injury coverage per person, $40,000 of bodily injury coverage per accident, and $5,000 of property damage coverage.
• If you have a loan on your Dodge, more than likely the lender will make it a condition of the loan that you have insurance to ensure they get paid if you total the vehicle. If the policy lapses, the bank will be required to insure your Dodge at an extremely high rate and force you to pay the higher price.
• Auto insurance preserves not only your vehicle but also your financial assets. Insurance will pay for most medical and hospital costs that are the result of an accident. One of the most valuable coverages, liability insurance, will also pay for a defense attorney if you are sued as the result of an accident. If damage is caused by hail or an accident, comprehensive (other-than-collision) and collision coverage will cover the damage repairs after a deductible is paid.

The benefits of insuring your Avenger greatly outweigh the cost, particularly when you have a large claim. The average driver in Massachusetts is wasting up to $865 each year so smart consumers compare quotes at least once a year to save money.

Car insurance coverage basics

Knowing the specifics of your policy aids in choosing the right coverages and proper limits and deductibles. Policy terminology can be difficult to understand and even agents have difficulty translating policy wording. Listed below are typical coverage types found on the average car insurance policy.

Comprehensive protection

This coverage pays for damage from a wide range of events other than collision. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive can pay for claims such as falling objects, theft, hitting a deer and hail damage. The maximum amount a car insurance company will pay at claim time is the ACV or actual cash value, so if it’s not worth much more than your deductible consider dropping full coverage.

Auto liability

Liability insurance protects you from damages or injuries you inflict on people or other property in an accident. Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see limits of 20/40/5 that translate to a $20,000 limit per person for injuries, a total of $40,000 of bodily injury coverage per accident, and $5,000 of coverage for damaged property. Some companies may use one limit called combined single limit (CSL) which combines the three limits into one amount rather than limiting it on a per person basis.

Liability can pay for things such as medical expenses, emergency aid, loss of income, legal defense fees and pain and suffering. How much liability should you purchase? That is your choice, but it’s cheap coverage so purchase as high a limit as you can afford. Massachusetts requires minimum liability limits of 20/40/5 but you should think about purchasing more liability than the minimum.

The illustration below demonstrates why minimum state limits may not be adequate coverage.

Collision coverage

This will pay to fix damage to your Avenger caused by collision with an object or car. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision can pay for claims such as backing into a parked car, crashing into a ditch and scraping a guard rail. This coverage can be expensive, so you might think about dropping it from older vehicles. It’s also possible to raise the deductible on your Avenger to get cheaper collision coverage.

Uninsured or underinsured coverage

Your UM/UIM coverage protects you and your vehicle’s occupants when other motorists either are underinsured or have no liability coverage at all. It can pay for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Because many people carry very low liability coverage limits (Massachusetts limits are 20/40/5), it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is very important. Most of the time these coverages are identical to your policy’s liability coverage.

Medical expense coverage

Coverage for medical payments and/or PIP pay for immediate expenses like rehabilitation expenses, X-ray expenses and funeral costs. They are utilized in addition to your health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover you and your occupants as well as if you are hit as a while walking down the street. Personal injury protection coverage is not universally available but it provides additional coverages not offered by medical payments coverage

Massachusetts auto insurance companies ranked

Buying coverage from the best car insurance provider can be challenging considering how many different companies there are to choose from in Massachusetts. The company rank data in the lists below can help you pick which car insurance companies you want to consider comparing prices from.

Top 10 Boston Car Insurance Companies Ranked by Claims Service

1. Progressive
2. USAA
3. Liberty Mutual
4. State Farm
5. GEICO
6. Titan Insurance
7. Nationwide
8. Allstate
9. The General
10. 21st Century

Top 10 Boston Car Insurance Companies by A.M. Best Rank

1. USAA – A++
2. GEICO – A++
3. Travelers – A++
4. State Farm – A++
5. Allstate – A+
6. Nationwide – A+
7. Esurance – A+
8. Progressive – A+
9. The Hartford – A+
10. Mercury Insurance – A+

Be persistent and save

We just showed you a lot of tips how to lower your Dodge Avenger insurance auto insurance rates in Boston. The most important thing to understand is the more you quote Boston car insurance, the more likely it is that you will get a better rate. Consumers may even find the best auto insurance rates are with the smaller companies. Regional companies may often insure only within specific states and give better rates than their larger competitors like Allstate, GEICO and Progressive.

As you prepare to switch companies, it’s not a good idea to skimp on critical coverages to save a buck or two. In many cases, someone dropped collision coverage and found out when filing a claim that they should have had better coverage. The goal is to buy the best coverage you can find for the lowest cost while still protecting your assets.

For more information, feel free to browse the articles below:

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• Who Has the Cheapest Boston Auto Insurance Quotes for a Subaru Outback? (FAQ)
• How Much are Auto Insurance Rates for a Toyota Tacoma in Boston? (FAQ)
• How Much are Auto Insurance Quotes for a Toyota RAV4 in Boston? (FAQ)
• Who Has Affordable Boston Auto Insurance for 4×4 Vehicles? (FAQ)
• What Insurance is Cheapest for Welfare Recipients in Boston? (FAQ)
• Who Has Affordable Boston Car Insurance Quotes for a Nissan Altima? (FAQ)
• How to Avoid Buying a Flooded Car (Insurance Information Institute)
• Tools for Teen Driving Safety (State Farm)
• Rollover Crash FAQ (iihs.org)