Would you like an easy way to compare low-cost Dodge Avenger insurance in El Paso? Nobody gets a kick out of paying for auto insurance, especially knowing they could get a better deal.
A study showed that most auto insurance buyers have been with the same company for at least four years, and approximately 40% of consumers have never even compared quotes to find cheaper rates. Most drivers in Texas could pocket about $1,800 a year by just comparing rate quotes, but they just assume it takes a lot of time to compare rates.
How to buy discount Dodge Avenger insurance in El Paso
The easiest way to get affordable auto insurance rates is to annually compare prices from different companies in El Paso.
- Learn about what is in your policy and the factors you can control to lower rates. Many rating factors that cause rate increases like inattentive driving and a low credit score can be controlled by making lifestyle changes or driving safer.
- Compare prices from direct, independent, and exclusive agents. Exclusive agents and direct companies can give quotes from one company like GEICO or State Farm, while independent agencies can provide price quotes from many different companies. View a list of agents
- Compare the new quotes to your existing coverage to see if a cheaper price is available. If you can save money and decide to switch, make sure the effective date of the new policy is the same as the expiration date of the old one.
A tip to remember is to use identical deductibles and limits on each quote request and to quote with as many carriers as you can. This provides an apples-to-apples comparison and a better comparison of the market.
Big companies like State Farm, Allstate, GEICO and Progressive continually hit you with catchy ads and it is difficult to see through the deception and take the time to shop coverage around.
Smart consumers take time to price shop coverage as often as possible because auto insurance prices are variable and change quite frequently. If you had the best rates on Dodge Avenger insurance in El Paso two years ago you may be paying too much now. There is a lot of wrong information about Avenger insurance on the internet, but in this article, you’re going to get some proven techniques to find cheap auto insurance in El Paso.
If you have a policy now or just want to save money, use these money-saving tips to get lower rates while maintaining coverages. Finding the cheapest coverage in El Paso seems hard but is not really that difficult. Consumers only need to know the most time-saving way to find the lowest price from many different companies.
Companies offering Dodge Avenger insurance in Texas
The auto insurance companies shown below provide quotes in El Paso, TX. If multiple companies are shown, we suggest you click on several of them in order to find the most affordable rates.
Facts and figures for Dodge Avenger insurance
The price information below showcases different coverage costs for Dodge Avenger models. Having a better understanding of how policy rates are calculated can assist in making decisions on the best policy coverages.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Avenger Express | $254 | $602 | $486 | $28 | $146 | $1,516 | $126 |
| Avenger R/T | $254 | $602 | $486 | $28 | $146 | $1,516 | $126 |
| Avenger SXT | $254 | $602 | $486 | $28 | $146 | $1,516 | $126 |
| Get Your Own Custom Quote Go | |||||||
Data rating is based on single male driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and Texas minimum liability limits. Discounts applied include claim-free, multi-vehicle, safe-driver, multi-policy, and homeowner. Rate quotes do not factor in specific garaging location which can increase or decrease premiums considerably.
Violations and accidents raise rates
The information below demonstrates how citations and at-fault claims influence Dodge Avenger premium costs for different ages of insureds. The price estimates are based on a single female driver, full coverage, $500 deductibles, and no discounts are applied.
Reduce your auto insurance rates with discounts
The price of auto insurance can be rather high, but you may be missing some discounts to help offset the cost. A few discounts will be applied when you complete an application, but some may not be applied and must be manually applied prior to receiving the credit.
- Payment Discounts – By paying your entire bill at once rather than paying monthly you can avoid monthly service charges.
- Multi-line Discount – If the company offers life insurance, you could get a lower rate if you buy a life insurance policy as well.
- College Student Discount – Youth drivers who live away from home at college and do not take a car to college could get you a discount.
- Multiple Vehicles – Buying insurance for all your vehicles on a single policy could earn a price break for each car.
- Professional Memberships – Joining a qualifying organization may earn a discount on your next renewal.
- Drive Less and Save – Driving fewer miles could earn slightly better auto insurance rates than normal.
- Driver Education Discount – Have your child successfully complete driver’s ed class in school or through a local driver safety program.
It’s important to note that most discount credits are not given to the entire policy premium. Most cut specific coverage prices like liability and collision coverage. Just because you may think you could get a free auto insurance policy, you won’t be that lucky.
The example below visualizes the comparison of Dodge Avenger premium costs with and without some available policy discounts. The information is based on a male driver, no driving violations, no at-fault accidents, Texas state minimum liability limits, comp and collision included, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-car, multi-policy, claim-free, homeowner, safe-driver, and marriage discounts applied.
Companies and some of their more popular discounts can be found below.
- The Hartford has savings for anti-theft, vehicle fuel type, defensive driver, air bag, good student, bundle, and driver training.
- American Family may offer discounts for early bird, bundled insurance, Steer into Savings, multi-vehicle, and TimeAway discount.
- Progressive includes discounts for multi-vehicle, homeowner, good student, online quote discount, multi-policy, and online signing.
- Travelers offers discounts for IntelliDrive, hybrid/electric vehicle, payment discounts, driver training, and multi-car.
- Farmers Insurance has discounts for electronic funds transfer, youthful driver, business and professional, multi-car, early shopping, and distant student.
- USAA offers premium reductions for multi-policy, safe driver, defensive driver, loyalty savings, and new vehicle.
- Liberty Mutual discounts include new graduate, good student, hybrid vehicle, teen driver discount, newly retired, and newly married.
If you need lower rates, check with every insurance company to apply every possible discount. Discounts might not be offered in El Paso. To see providers that have a full spectrum of discounts in El Paso, follow this link.
When should I discuss my situation with an agent?
Keep in mind that when it comes to choosing coverage for your personal vehicles, there really is no best way to insure your cars. Each situation is unique so your insurance should reflect that Here are some questions about coverages that may help you determine if your insurance needs might need an agent’s assistance.
- Am I covered when driving on a suspended license?
- Do I get a pro-rated refund if I cancel my policy early?
- Exactly who is provided coverage by my policy?
- How much will a speeding ticket raise my rates?
- Do I have any recourse if my insurance company denies a claim?
- Is upholstery damage covered by car insurance?
- What is high-risk coverage and where do I buy it?
- Is my Dodge Avenger covered if I use it for business?
If you’re not sure about those questions but you think they might apply to your situation, then you may want to think about talking to an agent. To find lower rates from a local agent, take a second and complete this form or click here for a list of insurance companies in your area. It’s fast, doesn’t cost anything and you can get the answers you need.
Can’t I compare rate quotes from local El Paso car insurance agents?
A small number of people just prefer to talk to a local agent and that is recommended in a lot of cases Licensed agents can help you build your policy and help in the event of a claim. One of the great benefits of getting free rate quotes online is you can get lower premium rates and still choose a local agent. And supporting small agencies is important especially in El Paso.
To help locate an agent, after submitting this short form, your insurance coverage information is instantly submitted to participating agents in El Paso who will return price quotes for your insurance coverage. You don’t have to find an agent on your own because prices are sent immediately to you. If you want to compare rates for a specific company, just search and find their rate quote page and complete a quote there.
Pick the best auto insurance agent in El Paso for you
If you want to use a good El Paso insurance agent, you need to know there are two different types of agencies from which to choose. Car insurance policy providers may be either exclusive or independent. Either can write car insurance policies, but it’s good to learn the difference between them because it can impact buying decisions.
Independent Car Insurance Agents
These type of agents are not employed by any specific company so they can quote policies with an assortment of companies and find you cheaper rates. To move your coverage to a new company, your agent can just switch to a different company which requires no work on your part.
When comparing rates, we highly recommend that you compare quotes from several independent insurance agents to get the best comparison.
Shown below are independent insurance agencies in El Paso that can give you free rate quotes.
Flor and Associates Insurance Agency
1005 E Yandell Dr – El Paso, TX 79902 – (915) 996-9799 – View Map
Pan American Insurance
7399 Alameda Ave – El Paso, TX 79915 – (915) 772-9000 – View Map
Red Rock Insurance Agency
9109 Dyer St f – El Paso, TX 79924 – (915) 759-9000 – View Map
Exclusive Agencies
Agents of this type can usually just insure with one company such as American Family, State Farm, and Allstate. Exclusive agents cannot compare rates from other companies so if the price isn’t competitive there isn’t much they can do. These agents receive a lot of sales training on sales techniques which can be an advantage.
Shown below is a list of exclusive agents in El Paso that can give you price quotes.
Terry Jimenez – State Farm Insurance Agent
3500 N Mesa St g – El Paso, TX 79902 – (915) 532-1456 – View Map
Carlos Robles – State Farm Insurance Agent
12025 Rojas Dr Ste E – El Paso, TX 79936 – (915) 856-7758 – View Map
Allstate Insurance: John Choi
8500 Dyer St Ste 7 – El Paso, TX 79904 – (915) 755-2201 – View Map
Picking an auto insurance agent is decision based upon more than just the premium amount. These are some questions your agent should answer.
- Is coverage determined by price?
- Are there any extra charges for paying monthly?
- How many years of experience in personal auto insurance do they have?
- How is replacement cost determined on your vehicle?
- How often do they review policy coverages?
One last thing about your coverage
Cheap Dodge Avenger insurance in El Paso is available both online as well as from insurance agents, so you should be comparing quotes from both to have the best chance of lowering rates. Some insurance companies don’t offer internet price quotes and usually these smaller companies prefer to sell through independent agencies.
When you buy El Paso car insurance online, it’s a bad idea to reduce needed coverages to save money. There are many occasions where an insured dropped liability coverage limits only to discover later that the few dollars in savings costed them thousands. The proper strategy is to purchase a proper amount of coverage for the lowest cost.
In this article, we presented many ideas to compare Dodge Avenger insurance rates in El Paso. The most important thing to understand is the more times you quote, the better your chances of lowering your car insurance rates. You may even discover the lowest rates come from the smaller companies. These smaller insurers may often insure only within specific states and give better rates than the large multi-state companies such as State Farm and Allstate.
How to buy discount Dodge Avenger insurance in El Paso
If you want to find the absolute lowest rates, then the best way to find cheaper prices for Dodge Avenger insurance in El Paso is to compare quotes annually from insurance carriers in Texas. You can shop around by completing these steps.
Step 1: Get an understanding of what coverages are included in your policy and the measures you can control to prevent rate increases. Many risk factors that result in higher prices like speeding and a negative credit score can be rectified by making minor changes in your lifestyle.
Step 2: Request price quotes from exclusive agents, independent agents, and direct providers. Direct and exclusive agents can provide rates from a single company like GEICO and State Farm, while independent agents can provide price quotes from many different companies.
Step 3: Compare the quotes to the premium of your current policy and see if there is a cheaper rate. If you can save some money and decide to switch, make sure coverage does not lapse between policies.
Step 4: Provide written notification to your current company to cancel the current policy. Submit payment and a completed application to the newly selected company. As soon as you have the new policy, keep the new proof of insurance paperwork in an accessible location in your vehicle.
The most important part of shopping around is to compare the same level of coverage on each quote request and and to get quotes from as many different companies as possible. This enables the most accurate price comparison and and a good selection of different prices.
Helpful resources
- Understanding your Policy (NAIC.org)
- Auto Insurance 101 (About.com)
- Bodily Injury Coverage (Liberty Mutual)