Save Money on Dodge Avenger Insurance in San Diego

Want to learn how to buy low-cost Dodge Avenger insurance in San Diego? Trying to come up with a payment for expensive car insurance can bottom out your checking account and put the squeeze on your family’s finances. Performing a price comparison is recommended to make sure you’re not throwing money away.

Shockingly, most consumers renewed their policy with the same company for at least the last four years, and just under half have never shopped around. With the average premium in California being $1,387, drivers can save roughly $500 each year by just shopping around, but they just feel it’s too hard to find cheaper rates by getting comparison quotes. Numerous insurance companies battle for your hard-earned dollar, and it can be difficult to compare rates to find the lowest rate on Dodge Avenger insurance in San Diego.

It’s important to get comparison quotes every six months due to the fact that insurance prices change regularly. Just because you had the best rates on Dodge Avenger insurance in San Diego a couple years back there may be better deals available now. There is a lot of bad information regarding Avenger insurance on the web, but we’re going to give you some great ideas on how to lower your car insurance rates in San Diego.

Lowering your car insurance rates is not rocket science. You just have to invest a few minutes getting comparison quotes from different insurance companies.

It’s so fast and easy to compare rates online that it makes it obsolete to drive around to insurance agents’ offices. The fact that you can get quotes online reduces the need to sit down with an agent unless you require the professional abilities only provided by licensed agents. Although, it is possible get the lowest quotes online but purchase the actual policy in an agency.

The car insurance companies shown below offer free rate quotes in San Diego, CA. If more than one company is shown, we suggest you click on several of them to get the most competitive price.

Data based on single female driver age 50, no speeding tickets, no at-fault accidents, $1,000 deductibles, and California minimum liability limits. Discounts applied include homeowner, claim-free, multi-policy, safe-driver, and multi-vehicle. Rate quotes do not factor in zip code location which can lower or raise rates substantially.

Auto insurance deductibles

One of the most common auto insurance questions is how high should the deductibles for physical damage be. The rates below can help illustrate the cost difference when you select higher and lower physical damage deductibles. The first set of rates uses a $100 comprehensive and collision deductible and the second pricing table uses a $1,000 deductible.

Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include safe-driver, homeowner, multi-vehicle, multi-policy, and claim-free. Estimates do not factor in the specific area where the vehicle is garaged which can change premium rates significantly.

Based on the above data, using a $100 deductible costs approximately $48 more each month or $576 each year than selecting the higher $1,000 deductible. Because you would be required to pay $900 more to settle a claim with a $1,000 deductible as compared to a $100 deductible, if you average at least 19 months between claims, you would save more money by selecting a higher deductible. The table below shows a better example of how you can decide this on your own policy.

Insuring your vehicle just makes sense

Even though it can be expensive, maintaining insurance is required for several reasons.

• Most states have minimum mandated liability insurance limits which means you are required to buy specific limits of liability insurance coverage if you don’t want to risk a ticket. In California these limits are 15/30/5 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $5,000 of property damage coverage.
• If you have a lien on your vehicle, almost all lenders 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 or lender will purchase a policy for your Dodge at a much higher premium rate and require you to reimburse them for the expensive policy.
• Insurance protects both your vehicle and your personal assets. It will also pay for all forms of medical expenses for you, your passengers, and anyone else injured in an accident. Liability coverage, the one required by state law, will also pay for a defense attorney in the event you are sued. If your Dodge gets damaged, comprehensive and/or collision insurance will cover the damage repairs after a deductible is paid.

The benefits of insuring your car more than cancel out the cost, especially for larger claims. Despite what companies tell you, the average driver is overpaying more than $700 annually so compare rate quotes at every policy renewal to help ensure money is not being wasted.

Save 15 percent in 15 minutes? Is it for real?

California consumers can’t avoid all the ads that promise big savings for switching from companies such as State Farm, GEICO and Progressive. They all advertise the message that you can save after switching your auto insurance coverage to their company.

How does every auto insurance company offer you a better deal on Dodge Avenger insurance in San Diego?

Different companies give the cheapest rates for the type of insured that will add to their bottom line. An example of a profitable insured could be over the age of 40, owns their home, and chooses high deductibles. Any person who fits that profile receives the best premium rates in San Diego and will most likely save a lot on San Diego Dodge Avenger insurance if they switch.

Drivers who are not a match for the ideal profile will be quoted more expensive rates which translates to the customer buying from a different company. If you listen closely, the ads state “people who switch” but not “all drivers who get quotes” save that much when switching. This is how companies can make it sound like they have such great car insurance rates. Because each company has a different risk profile, you need to compare as many free San Diego auto insurance quotes as you can. It’s impossible to know which auto insurance company will have the lowest rates for your situation.

Cheaper rates with discounts

Car insurance is not an enjoyable expense, but you can get discounts that you may not know about. Certain discounts will be applied when you complete an application, but once in a while a discount must be specially asked for prior to getting the savings.

• Military Discounts – Having a deployed family member could be rewarded with lower premium rates.
• Multiple Policy Discount – If you can combine your homeowners and auto policy with the same company you will save nearly 15% which can help you find inexpensive Dodge Avenger insurance in San Diego.
• Senior Discount – Mature drivers could receive a small discount on rates.
• Telematics Data – Drivers who elect to allow their company to monitor driving patterns by using a small device installed in their vehicle like In-Drive from State Farm and Progressive’s Snapshot may get a rate reduction if they exhibit good driving behavior.
• Student Discount for Driver Training – Reduce the cost of insurance for teen drivers by having them enroll in driver’s education if offered at their school.
• Multi-car Discount – Having multiple vehicles on one policy could earn a price break for each car.
• Organization Discounts – Participating in specific professional or occupational memberships or organizations could earn you a nice discount when getting a San Diego auto insurance quote.
• Defensive Driver Discount – Taking part in a defensive driving class could earn you a small percentage discount if your company offers it.
• Discount for Low Mileage – Maintaining low annual mileage may enable drivers to earn cheaper car insurance rates.

As a footnote on discounts, most discount credits are not given to the entire policy premium. Most only apply to individual premiums such as physical damage coverage or medical payments. So even though it sounds like all the discounts add up to a free policy, it doesn’t quite work that way. Any amount of discount will reduce the premium cost.

To see a list of car insurance companies that offer some of these discounts in California, click here.

When to have guidance from an insurance agent

A small number of people would prefer to talk to an insurance agent and there is nothing wrong with that. Licensed agents can help determine the best coverages and will help you if you have claims. The biggest benefit of comparing rates online is you may find cheap auto insurance quotes but also keep your business local.

For easy comparison, once you complete this simple form, your insurance data is submitted to insurance agents in San Diego who will give you quotes for your insurance coverage. There is no need to search for any insurance agencies since price quotes are sent to your email. If you want to get a price quote from a specific auto insurance provider, you would need to visit that company’s website to submit a rate quote request.

Picking an provider shouldn’t rely on just the price. Any agent in San Diego should be forthright in answering these questions:

• Do they feel the quoted coverages are adequate?
• Will they take your side in the event of a claim?
• Will you be dealing directly with the agent or with a Custom Service Representative (CSR)?
• Are they full-time agents?
• Will vehicle repairs be made with aftermarket parts or OEM replacement parts?
• Does the company allow you to choose your own collision repair facility?
• Can you get a list of referrals?
• Can glass repairs be made at your home?

If you want to use an insurance agent, you should know the types of agencies and how they are slightly different. Auto insurance agents can be categorized as either exclusive agents or independent agents. Either type can sell auto insurance policies, but it’s good to learn the difference in the companies they write for since it can impact your selection of an agent.

Exclusive Insurance Agencies

Exclusive agencies can usually just insure with one company such as AAA, State Farm, Farmers Insurance, and Allstate. Exclusive agents are unable to provide rate quotes from other companies so it’s a take it or leave it situation. Exclusive agencies are trained well on their products and sales techniques and that can be a competitive advantage.

Below is a list of exclusive insurance agencies in San Diego who may provide you with price quotes.

More insurance agents

Independent Agents

Agents that choose to be independent often have many company appointments and that allows them to write policies with lots of companies and find the cheapest auto insurance rates. If your agent finds better pricing, the business is moved internally and that require little work on your part.

If you need lower rates, you will want to compare prices from at a minimum one independent agency to get the best comparison.

Listed below is a short list of independent insurance agents in San Diego that can give you comparison quotes.

More insurance agents

After you get acceptable answers to these questions and a good coverage price, you have narrowed it down to an insurance agency that is reputable and can adequately provide auto insurance. Just keep in mind it’s your policy and you can cancel your policy at any point so never assume you’re contractually obligated to any specific company with no way to switch.

What is the best auto insurance coverage?

Keep in mind that when it comes to choosing the best auto insurance coverage for your vehicles, there really is not a one-size-fits-all type of policy. Your needs are not the same as everyone else’s.

For example, these questions may help you determine whether your personal situation will benefit from professional help.

• Are all vehicle passengers covered by medical payments coverage?
• Does my policy cover my teen driver if they drive my company car?
• Do I need motorclub coverage?
• Should I put collision coverage on all my vehicles?
• Do I need more liability coverage?
• Am I covered when pulling a rental trailer?

If it’s difficult to answer those questions but you know they apply to you, then you may want to think about talking to an insurance agent. If you want to speak to an agent in your area, simply complete this short form. It’s fast, doesn’t cost anything and can provide invaluable advice.

Cheaper insurance is a realistic goal

You just read some good ideas how to lower your Dodge Avenger insurance car insurance rates in San Diego. The most important thing to understand is the more price quotes you have, the more likely it is that you will get a better rate. Consumers could even find that the best price on insurance is with a lesser-known regional company.

When buying insurance coverage, do not skimp on critical coverages to save a buck or two. In many instances, someone sacrificed comprehensive coverage or liability limits to discover at claim time that their decision to reduce coverage ended up costing them more. The goal is to purchase plenty of coverage at the best possible price, not the least amount of coverage.

People who switch companies do it for any number of reasons including not issuing a premium refund, high rates after DUI convictions, unfair underwriting practices or high prices. Whatever your reason, switching companies is easier than you think.

To learn more, feel free to visit the following helpful articles:

• Tread Depth and Tire Safety (State Farm)
• What Car Insurance is Cheapest for Inexperienced Drivers in San Diego? (FAQ)
• How Much are San Diego Car Insurance Quotes for Low Mileage Drivers? (FAQ)
• What Insurance is Cheapest for a Hyundai Elantra in San Diego? (FAQ)
• Who Has the Cheapest San Diego Car Insurance Quotes for High School Students? (FAQ)
• What is a Telematics Device? (Allstate)
• What is Full Coverage? (Allstate)
• No-Fault Auto Insurance Statistics (Insurance Information Institute)
• Frontal Crash Tests (iihs.org)