Save Money on Dodge Avenger Insurance in Las Vegas

Unimaginable but true, nearly 70% of Nevada drivers have remained with the same insurance company for at least four years, and 38% of customers have never quoted rates to find cheap coverage. With the average premium in America being $1,847, drivers could cut their rates by nearly $859 a year, but most just don’t grasp the amount of savings they would get if they replace their high priced policy.

Discount Dodge Avenger insuranceReally, the only way to get low-cost Dodge Avenger insurance in Las Vegas is to start comparing prices yearly from companies who sell auto insurance in Nevada.

First, take a little time to learn about how companies set rates and the measures you can take to keep rates down. Many rating factors that result in higher prices like traffic violations, accidents, and a less-than-favorable credit history can be remedied by being financially responsible and driving safely.

Second, obtain price quotes from exclusive agents, independent agents, and direct providers. Direct companies and exclusive agencies can give quotes from one company like GEICO or Farmers Insurance, while agents who are independent can provide prices for a wide range of companies.

Third, compare the quotes to your existing policy to see if switching to a new carrier will save money. If you can save some money and make a switch, ensure coverage does not lapse between policies.

A good piece of advice is to make sure you’re comparing the same liability limits and deductibles on each price quote and and to get price estimates from as many different companies as possible. This enables the most accurate price comparison and a complete selection of prices.

Locating the most cost-effective insurance policy in Las Vegas can be much easier if you know how to start. If you’re already insured or are just looking to switch companies, follow these tips to cut your premiums without reducing coverage. Consumers just have to understand the tricks to get comparison rates from multiple carriers.

Getting low cost insurance pricing can be surprisingly simple. Just take the time comparing rates to find the company with cheaper Las Vegas car insurance quotes.

The companies shown below can provide price quotes in Las Vegas, NV. If you want to find the best cheap car insurance in Nevada, we recommend you click on several of them to find the lowest car insurance rates.

Auto insurance policy discounts you can’t miss

Properly insuring your vehicles can get expensive, but you might already qualify for some discounts that many people don’t even know exist. Most are applied at quote time, but less common discounts must be specifically requested before you get the savings.Cheaper auto insurance with discounts

Keep in mind that most of the big mark downs will not be given to your bottom line cost. Most only reduce individual premiums such as comp or med pay. Despite the appearance that adding up those discounts means a free policy, you’re out of luck.

The chart below shows the comparison of Dodge Avenger auto insurance costs with and without discounts applied to the premium. The prices are based on a female driver, no claims or violations, Nevada state minimum liability limits, full physical damage coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with homeowner, multi-car, claim-free, multi-policy, safe-driver, and marriage discounts applied.

A few of the larger companies and some of the premium reductions they offer can be found below.

If you are trying to find inexpensive Las Vegas car insurance quotes, ask every insurance company to give you their best rates. Some discounts may not apply to policyholders in Las Vegas.

Rate information and statistics

The table shown below outlines detailed analysis of insurance premium costs for Dodge Avenger models. Learning how insurance policy rates are calculated can assist in making informed decisions when comparing rates.

Dodge Avenger Insurance Rates in Las Vegas, NV
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Avenger Express $150 $324 $334 $20 $100 $928 $77
Avenger R/T $150 $324 $334 $20 $100 $928 $77
Avenger SXT $150 $324 $334 $20 $100 $928 $77
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Data based on married male driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Nevada minimum liability limits. Discounts applied include safe-driver, multi-policy, claim-free, homeowner, and multi-vehicle. Table data does not factor in specific zip code location which can impact insurance rates significantly.

Comparison of policy deductibles

One common question asked by Las Vegas drivers is at what level do you set your deductibles. The following insurance rates may help to conceptualize how much more you’ll pay between low and high physical damage deductibles. The first rate estimation uses a $250 deductible and the second set of prices uses a $500 deductible.

Dodge Avenger insurance rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Avenger Express $238 $472 $348 $20 $104 $1,207 $101
Avenger R/T $238 $472 $348 $20 $104 $1,207 $101
Avenger SXT $238 $472 $348 $20 $104 $1,207 $101
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Dodge Avenger insurance rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Avenger Express $194 $382 $348 $20 $104 $1,048 $87
Avenger R/T $194 $382 $348 $20 $104 $1,048 $87
Avenger SXT $194 $382 $348 $20 $104 $1,048 $87
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Price data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Nevada minimum liability limits. Discounts applied include multi-vehicle, safe-driver, homeowner, multi-policy, and claim-free. Rate information does not factor in Las Vegas location which can affect rates substantially.

Based on these figures, using a $250 deductible will cost you roughly $14 more each month or $168 annually than requesting the higher $500 deductible. Because you would be required to pay $250 more if you turn in a claim with a $500 deductible as compared to a $250 deductible, if you have at a minimum 18 months between claim filings, you would come out ahead if you elect the higher deductible.

How to determine when to raise your deductibles

Average monthly premium for $250 deductibles: $101
Average monthly premium for $500 deductibles (subtract): – $87
Monthly savings from raising deductible: $14
Difference between deductibles ($500 – $250): $250
Divide difference by monthly savings: $250 / $14
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 18 months

One important caveat is that a higher deductible results in having to pay to pay more out-of-pocket at claim time. That will force you to have some non-essential savings in the event you have to pay the deductible to have repairs made.

Choices You Make Can Impact Your Insurance Costs

An important part of buying insurance is that you know the different types of things that come into play when calculating your premiums. If you have a feel for what positively or negatively impacts your premiums, this helps enable you to make changes that may reward you with big savings. Many things are considered when you get your auto insurance bill. Most are fairly basic like your driving record, but other criteria are not quite as obvious like where you live or your vehicle rating.

Policy add-ons add up – Insurance policies have a lot of add-on coverages that can add up but may not be useful. Insurance for things like personal injury protection, death and dismemberment, and additional equipment coverage could be just wasting money. You may think they are a good idea when you first buy your policy, but if they’re wasting money eliminate the coverages to reduce your premium.

More performance means more cost – The performance of the vehicle you are trying to find cheaper insurance for makes a huge difference in your premium level. The lowest rates are usually for the lowest performance passenger vehicles, but the cost you end up paying is determined by many additional factors.

The following chart uses these variables: single female driver age 50, full coverage with $500 deductibles, and no discounts or violations. The chart compares Dodge Avenger insurance premiums compared to other models that have different performance rating factors.

Lower insurance rates with no policy lapses – Driving any period of time without insurance is a big no-no and as a result your rates will increase for letting your insurance coverage expire. Not only will you pay more, getting caught without coverage might get you fines or a revoked license. Then you may be required to prove you have insurance by filing a SR-22 with the Nevada motor vehicle department to get your license reinstated.

Do you really need to file those insurance claims? – Auto insurance companies in Nevada give discounts to drivers who file claims infrequently. If you frequently file small claims, you can expect either policy cancellation or increased premiums. Your car insurance is intended for the bigger claims that can’t be paid out-of-pocket.

Do you know you’re credit history? – An insured’s credit score can be an important factor in calculating your premium rate. Therefore, if your credit history is not that good, you may save money insuring your Dodge Avenger by repairing your credit. Drivers with very good credit scores tend to file fewer claims than those with poor credit scores.