Searching for cheaper San Jose Dodge Avenger insurance quotes on the internet might appear intimidating for drivers who are new to price shopping on the internet. With so many options of insurers to choose from, how are drivers able to have time to compare every possible option in order to find better rates?

Insurance for Dodge AvengerA recent study showed that a large majority of consumers have been with the same company for at least the last four years, and approximately 38% of consumers have never shopped around. California drivers could cut their rates by up to 35% a year by just comparing rate quotes, but they underestimate the large savings they would see if they just switched companies.

Comparison shopping for the lowest cost insurance coverage in San Jose is not that difficult. Basically, every driver who comparison shops for insurance most likely will find a lower-cost policy. But California drivers should learn how the larger insurance companies determine premium rates and use it to find better rates.

All the larger insurance companies allow consumers to get prices from their websites. Getting Dodge Avenger insurance prices online doesn't take much effort because you just enter the coverages you want into a form. Behind the scenes, the quote system makes automated requests for your driving record and credit report and provides a quote based on these and other factors.

The ability to get online rates for Dodge Avenger insurance in San Jose makes it simple to compare prices and it is imperative to perform this step in order to get the cheapest insurance rates.

To fill out one form to compare multiple rates now, compare quotes from the companies shown below. To compare your current rates, we recommend you replicate your coverages just like they are on your policy. Doing this assures you will receive comparison quotes based on identical coverages.

The following companies can provide free rate quotes in San Jose, CA. If you wish to find cheap auto insurance in San Jose, it's highly recommended you visit two to three different companies to get the most competitive price.

Dodge Avenger Insurance Rates in San Jose, CA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Avenger Express $216 $464 $480 $28 $144 $1,332 $111
Avenger R/T $294 $698 $564 $34 $168 $1,758 $147
Avenger SXT $380 $810 $500 $30 $150 $1,870 $156
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Above prices assume married male driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and California minimum liability limits. Discounts applied include safe-driver, multi-vehicle, homeowner, multi-policy, and claim-free. Information does not factor in specific San Jose garaging location which can influence auto insurance rates significantly.

Careless San Jose drivers pay higher rates

The illustration below illustrates how violations and at-fault collisions can influence Dodge Avenger auto insurance costs for different age groups of insureds. The rate quotes are based on a single male driver, full physical damage coverage, $500 deductibles, and no discounts are taken into consideration.

Comparison of policy deductibles

When comparing car insurance rates, the most common question is how high should the deductibles for physical damage be. The data tables below approximate the rate fluctuation when you choose different comp and collision deductibles. The first rate quote example uses a $100 deductible and the second price chart uses a $1,000 deductible.

Dodge Avenger insurance policy rates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Avenger Express $380 $810 $500 $30 $150 $1,895 $158
Avenger R/T $380 $810 $500 $30 $150 $1,895 $158
Avenger SXT $380 $810 $500 $30 $150 $1,895 $158
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Dodge Avenger insurance policy rates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Avenger Express $210 $426 $500 $30 $150 $1,316 $110
Avenger R/T $210 $426 $500 $30 $150 $1,316 $110
Avenger SXT $210 $426 $500 $30 $150 $1,316 $110
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Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include homeowner, claim-free, safe-driver, multi-vehicle, and multi-policy. Table data does not factor in specific zip code location which can revise insurance rates noticeably.

Using the premium rates above, we can conclude that using a $100 deductible costs roughly $48 more each month or $576 annually than choosing the higher $1,000 deductible. Because you would be required to pay $900 more if you turn in a claim with a $1,000 deductible as compared to a $100 deductible, if you normally go at a minimum 19 months between claims, you would save money if you elect the higher deductible.

How to determine when to raise deductibles

Average monthly premium for $100 deductibles: $158
Average monthly premium for $1,000 deductibles (subtract): - $110
Monthly savings from raising deductible: $48
Difference between deductibles ($1,000 - $100): $900
Divide difference by monthly savings: $900 / $48
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 19 months

Car insurance just makes sense

Even though San Jose Avenger insurance rates can get expensive, paying for car insurance is required for several reasons.

The benefits of having insurance definitely exceed the price paid, specifically if you ever have a liability claim. According to a 2015 survey, the average American driver overpays as much as $855 a year so you should quote rates at every renewal to ensure rates are competitive.

Earn discounts on San Jose car insurance

Companies don't always advertise all possible discounts very well, so the list below gives a summary of both the well known as well as the least known ways to save on car insurance.Save money with discounts

A little note about advertised discounts, most discounts do not apply to the entire policy premium. Most only apply to specific coverage prices like collision or personal injury protection. Even though the math looks like all those discounts means the company will pay you, you won't be that lucky. Any amount of discount should help reduce your overall premium however.

Insurance companies who might offer these benefits include:

It's a good idea to ask every company which credits you are entitled to. Depending on the company, some discounts may not be offered in San Jose. To see providers that can offer you the previously mentioned discounts in San Jose, click this link.

When to have guidance from an agent

A lot of people prefer to buy from a licensed agent and that is a personal choice. An additional benefit of price shopping on the web is the fact that drivers can get cheap rate quotes and still have a local agent. And providing support for local insurance agents is important particularly in San Jose.

For easy comparison, once you complete this short form, the coverage information gets sent to agents in your area that give free quotes for your insurance coverage. You won't even need to contact an agency because prices are sent instantly to you. You can most likely find cheaper rates and a licensed agent to work with. In the event you want to compare rates from a specific auto insurance provider, you can always jump over to their website and complete a quote there.

Finding a good provider should depend on more than just the bottom line cost. Before buying a policy in San Jose, get answers to these questions.

Insurance specifics

Learning about specific coverages of your insurance policy aids in choosing appropriate coverage and proper limits and deductibles. Insurance terms can be confusing and coverage can change by endorsement.

Collision protection

Collision coverage pays for damage to your Avenger caused by collision with a stationary object or other vehicle. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision coverage pays for claims like hitting a parking meter, backing into a parked car and hitting a mailbox. Collision coverage makes up a good portion of your premium, so consider removing coverage from older vehicles. It's also possible to bump up the deductible on your Avenger to get cheaper collision coverage.

Liability

This coverage provides protection from damages or injuries you inflict on other people or property by causing an accident. Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see limits of 15/30/5 which stand for a $15,000 limit per person for injuries, $30,000 for the entire accident, and a total limit of $5,000 for damage to vehicles and property. Alternatively, you may have one limit called combined single limit (CSL) which limits claims to one amount without having the split limit caps.

Liability can pay for claims like emergency aid, repair bills for other people's vehicles, attorney fees, loss of income and legal defense fees. How much liability coverage do you need? That is up to you, but consider buying as high a limit as you can afford. California requires drivers to carry at least 15/30/5 but it's recommended drivers buy more liability than the minimum.

Comprehensive auto coverage

This pays for damage OTHER than collision with another vehicle or object. A deductible will apply then your comprehensive coverage will pay.

Comprehensive insurance covers claims such as hitting a bird, damage from a tornado or hurricane, rock chips in glass and fire damage. The maximum amount you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle's value is low it's probably time to drop comprehensive insurance.

Medical payments and PIP coverage

Medical payments and Personal Injury Protection insurance kick in for immediate expenses for dental work, ambulance fees and X-ray expenses. The coverages can be used to fill the gap from your health insurance policy or if you do not have health coverage. They cover not only the driver but also the vehicle occupants and also covers getting struck while a pedestrian. Personal injury protection coverage is not an option in every state and gives slightly broader coverage than med pay

UM/UIM (Uninsured/Underinsured Motorist) coverage

This coverage provides protection from other drivers when they do not carry enough liability coverage. Covered losses include hospital bills for your injuries as well as damage to your Dodge Avenger.

Because many people carry very low liability coverage limits (15/30/5), it doesn't take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is a good idea. Most of the time these coverages are similar to your liability insurance amounts.

Find affordable rates by being thorough

Cheaper Dodge Avenger insurance in San Jose can be purchased from both online companies and from local agencies, and you should be comparing both to get a complete price analysis. Some insurance providers don't offer internet price quotes and most of the time these small, regional companies only sell coverage through local independent agents.

In this article, we presented many ways to get a better price on Dodge Avenger insurance in San Jose. The key thing to remember is the more quotes you get, the higher the chance of saving money. You may even discover the most savings is with the smaller companies.

When trying to cut insurance costs, never buy lower coverage limits just to save a few bucks. There are a lot of situations where consumers will sacrifice comprehensive coverage or liability limits only to regret at claim time they didn't purchase enough coverage. The aim is to purchase a proper amount of coverage at the best price, not the least amount of coverage.

Much more information about car insurance in California can be found at these links: