Best Ways to Save on Louisville Dodge Avenger Insurance

Discount Dodge Avenger insuranceTo save the most money, the best way to get discount Dodge Avenger insurance in Louisville is to do an annual price comparison from providers in Kentucky. You can shop around by following these steps.

One key aspect when comparing rates is that you’ll want to compare similar limits and deductibles on every quote and and to get quotes from every insurance company. Doing this provides the most accurate price comparison and the most accurate and complete price analysis.

It goes without saying that car insurance companies want to keep your business as long as possible. Consumers who shop around will, in all likelihood, buy a new policy because there is a good chance of finding lower prices. A survey found that people who compared price quotes annually saved as much as $72 a month compared to people who never shopped around for lower prices.

If finding the cheapest price on insurance in Louisville is the reason you’re here, then understanding how to shop for cheaper coverage can help make the process easier and more efficient.

If you are paying for car insurance now, you should be able to shop for the lowest rates using this strategy. Comparing rates for affordable auto insurance coverage in Louisville is easy to do. Although Kentucky car owners do need to learn how insurance companies sell online because rates are impacted by many factors.

When comparison shopping, there are several ways to compare quotes from lots of Kentucky insurance companies. One of the best ways to find cheaper Dodge Avenger rates is to use the internet to compare rates.

It’s important to know that comparing more prices gives you a better chance of getting a lower rate than you’re paying now.

The companies shown below are our best choices to provide free rate quotes in Louisville, KY. If you want the best car insurance in Kentucky, we suggest you compare several of them to get the best price comparison.

Three reasons insurance is important

Even though it can be expensive, maintaining insurance serves several important purposes.

First, most states have minimum liability requirements which means you are required to buy a specific level of liability coverage if you drive a vehicle. In Kentucky these limits are 25/50/10 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.

Second, if you bought your Dodge Avenger with a loan, most lenders will require that you have comprehensive coverage to ensure loan repayment if the vehicle is totaled. If you default on your policy, the bank will be required to insure your Dodge for a much higher rate and make you pay for the much more expensive policy.

Third, insurance protects your vehicle and your assets. It will also cover many types of medical costs that are the result of an accident. Liability insurance will also pay to defend you if you are named as a defendant in an auto accident. If you have damage to your Dodge as the result of the weather or an accident, your policy will cover the damage repairs after a deductible is paid.

The benefits of having insurance are definitely more than the cost, specifically if you ever have a liability claim. The average driver in Kentucky overpays as much as $825 a year so it’s very important to do a rate comparison every year to save money.

Analysis of coverages

The information shown below outlines a range of insurance premium costs for Dodge Avenger models. Being aware of how auto insurance policy rates are formulated helps drivers make smart choices when purchasing an auto insurance policy.

Dodge Avenger Insurance Rates in Louisville, KY
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Avenger Express $196 $426 $354 $20 $106 $1,102 $92
Avenger R/T $196 $426 $354 $20 $106 $1,102 $92
Avenger SXT $196 $426 $354 $20 $106 $1,102 $92
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Prices above based on married male driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and Kentucky minimum liability limits. Discounts applied include multi-policy, homeowner, claim-free, multi-vehicle, and safe-driver. Estimates do not factor in Louisville location which can increase or decrease premium rates noticeably.

The information below illustrates how choosing a deductible and can influence Dodge Avenger annual premium costs for different categories of driver ages. The data assumes a single female driver, full coverage, and no discounts are applied.

Drive safe and save

The illustration below illustrates how violations and accident claims can increase Dodge Avenger car insurance costs for different age groups of insureds. Data assumes a single male driver, full physical damage coverage, $250 deductibles, and no policy discounts are applied.

Discount Louisville auto insurance quotes

Not many people think insurance is cheap, but you might already qualify for some discounts to help bring down the price. Some discounts apply automatically when you quote, but some discounts are required to be requested specifically prior to receiving the credit.Auto insurance discounts

It’s important to understand that most credits do not apply to all coverage premiums. The majority will only reduce the price of certain insurance coverages like comprehensive or collision. So even though it sounds like all those discounts means the company will pay you, auto insurance companies aren’t that generous.

The chart below visualizes the comparison of Dodge Avenger insurance rates with and without discounts applied to the policy rates. The rates are based on a male driver, no violations or accidents, Kentucky state minimum liability limits, full physical damage coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with marriage, safe-driver, multi-policy, multi-car, homeowner, and claim-free discounts applied.

Popular auto insurance companies and a partial list of their discounts can be found below.

Before you buy a policy, ask each insurance company which discounts you may be entitled to. Some credits may not apply in your area. If you would like to choose from a list of insurers who offer cheap Dodge Avenger insurance quotes in Kentucky, click here to view.

Best car insurance in Kentucky

Choosing the top auto insurance provider can be difficult considering how many companies sell coverage in Louisville. The ranking information listed below could help you select which companies to look at shopping prices with.

Top 10 Louisville Car Insurance Companies Overall

  1. Travelers
  2. USAA
  3. Mercury Insurance
  4. AAA Insurance
  5. Nationwide
  6. Allstate
  7. State Farm
  8. The Hartford
  9. Safeco Insurance
  10. Progressive

Top 10 Louisville Car Insurance Companies Ranked by Customer Service

  1. USAA
  2. Travelers
  3. Mercury Insurance
  4. AAA Insurance
  5. Nationwide
  6. Safeco Insurance
  7. Progressive
  8. State Farm
  9. The Hartford
  10. The General