Are you sick of overpaying and want more affordable Dodge Avenger insurance in Portland? Are you drained from being strong-armed to insure your Dodge every month? Your situation is no different than the majority of other drivers in Oregon.
It’s a fact that auto insurance companies don’t want you quoting rates from other companies. Drivers who compare other rates are very likely to switch to a new company because there is a high probability of finding a lower rate. Surprisingly, a recent survey revealed that drivers who compared rate quotes regularly saved on average $865 a year compared to people who never shopped around for lower prices.
If saving the most money on auto insurance in Portland is your ultimate goal, knowing how to get free comparison quotes and analyze coverages can help make the process easier.
How to find affordable Dodge Avenger insurance in Portland
The recommended way to get low-cost car insurance rates is to start comparing prices regularly from insurers who provide auto insurance in Portland.
- Step 1: Try to learn a little about how companies set rates and the steps you can take to prevent expensive coverage. Many policy risk factors that cause high rates such as accidents, traffic tickets, and poor credit rating can be improved by being financially responsible and driving safely.
- Step 2: Compare rates from independent agents, exclusive agents, and direct companies. Direct and exclusive agents can give quotes from one company like GEICO or Farmers Insurance, while independent agents can quote rates for a wide range of companies.
- Step 3: Compare the new rate quotes to your existing rates to determine if you can save on Avenger insurance. If you can save some money, ensure coverage does not lapse between policies.
One bit of advice is to use identical limits and deductibles on every price quote and and to compare as many auto insurance providers as possible. Doing this guarantees the most accurate price comparison and the best price selection.
Popular companies such as Allstate, Progressive and GEICO all promote huge savings with ad campaigns and consumers find it hard to avoid their marketing magic and effectively compare rates to find the best deal.
The method we recommend to compare rate quotes for Dodge Avenger insurance in Portland is to take advantage of the fact most of the larger companies will pay a fee to quote your coverage. The only thing you need to do is give them some information including an estimate of your credit level, driver ages, which vehicles you own, and how much you drive. That rating information is sent automatically to all major companies and you will get price comparisons immediately.
To find the cheapest car insurance rates, click here and find out if you can get cheaper insurance in Portland.
The following companies are our best choices to provide free quotes in Portland, OR. To get cheap auto insurance in Oregon, we recommend you get prices from several of them in order to find the most competitive rates.
Statistics and details
The price information displayed below highlights a range of policy rates for Dodge Avenger models. Learning a little about how prices are formulated is important for you to make decisions when shopping your coverage around.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Avenger Express | $212 | $480 | $380 | $22 | $114 | $1,208 | $101 |
| Avenger R/T | $212 | $480 | $380 | $22 | $114 | $1,208 | $101 |
| Avenger SXT | $212 | $480 | $380 | $22 | $114 | $1,208 | $101 |
| Get Your Own Custom Quote Go | |||||||
Data variables include married female driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and Oregon minimum liability limits. Discounts applied include claim-free, safe-driver, multi-vehicle, homeowner, and multi-policy. Estimates do not factor in vehicle location which can change premiums significantly.
Deductible comparison
One of the hardest decisions when shopping for car insurance is what deductibles to buy. The tables below show the differences in premium rates when you select higher and lower insurance deductibles. The first set of rates uses a $250 deductible for comp and collision and the second rate chart uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Avenger Express | $246 | $490 | $362 | $22 | $108 | $1,253 | $104 |
| Avenger R/T | $246 | $490 | $362 | $22 | $108 | $1,253 | $104 |
| Avenger SXT | $246 | $490 | $362 | $22 | $108 | $1,253 | $104 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Avenger Express | $200 | $396 | $362 | $22 | $108 | $1,088 | $91 |
| Avenger R/T | $200 | $396 | $362 | $22 | $108 | $1,088 | $91 |
| Avenger SXT | $200 | $396 | $362 | $22 | $108 | $1,088 | $91 |
| Get Your Own Custom Quote Go | |||||||
Data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Oregon minimum liability limits. Discounts applied include multi-policy, safe-driver, homeowner, claim-free, and multi-vehicle. Price estimates do not factor in vehicle location which can raise or lower prices substantially.
Based on the data above, we can derive that using a $250 deductible will cost you roughly $13 more each month or $156 for a full year than buying 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 tend to have more than 19 months between claim filings, you would save money by going with a higher deductible.
How to determine if raising deductibles makes sense
| Average monthly premium for $250 deductibles: | $104 |
| Average monthly premium for $500 deductibles (subtract): | – $91 |
| Monthly savings from raising deductible: | $13 |
| Difference between deductibles ($500 – $250): | $250 |
| Divide difference by monthly savings: | $250 / $13 |
| Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible | 19 months |
An important sidenote is that raising deductibles means you will have to pay more out-of-pocket when you have a physical damage claim. You need some extra savings in the event you have to pay the higher deductible in order to repair your vehicle.
The information below demonstrates how deductible levels and can affect Dodge Avenger premium costs for different age groups of insureds. The premium estimates are based on a single female driver, comp and collision included, and no discounts are factored in.
How careless driving impacts car insurance rates
The illustration below illustrates how traffic citations and at-fault fender-benders can impact Dodge Avenger car insurance costs for different age groups of insureds. The costs are based on a single male driver, full coverage, $100 deductibles, and no discounts are factored in.
Insurance in Oregon serves several purposes
Despite the potentially high cost of Dodge Avenger insurance, paying for insurance is required in Oregon but it also protects you in many ways.
First, most states have minimum mandated liability insurance limits which means state laws require specific minimum amounts of liability in order to drive the car. In Oregon these limits are 25/50/20 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $20,000 of property damage coverage.
Second, if you took out a loan on your Dodge Avenger, most banks will make it a condition of the loan that you buy full coverage to guarantee loan repayment. If you do not keep the policy in force, the bank may insure your Dodge for a much higher rate and force you to reimburse them for the expensive policy.
Third, insurance protects not only your Dodge but also your assets. It will also reimburse you for many types of medical costs for yourself as well as anyone injured by you. Liability insurance will also pay for a defense attorney if anyone sues you for causing an accident. If your Dodge gets damaged, your policy will cover the damage repairs after a deductible is paid.
The benefits of insuring your Avenger are without a doubt worth the cost, particularly if you ever have a claim. The average driver in America overpays more than $820 a year so shop around at every renewal to ensure rates are competitive.
Insurance Price Influencing Factors
Many factors are part of the equation when pricing auto insurance. Most are fairly basic like an MVR report, but some are not as apparent such as your credit history or how financially stable you are.
Listed below are a partial list of the pieces that factor into prices.
Premiums are lower the older you get – Older insureds have been proven to be more responsible, are lower risk to insure, and are generally more financially stable. Inexperience drivers are known to be easily distracted when driving therefore car insurance rates are much higher.
The following data uses these variables: single driver, full coverage with $1000 deductibles, and no discounts or violations.
Better rates for no policy lapses – Driving with no insurance can get you a ticket and you may have a hard time finding new coverage because you let your insurance coverage expire. Not only will you pay more, not being able to provide proof of insurance may earn you a revoked license or a big fine. You may then be required to submit proof of financial responsibility or a SR-22 with the Oregon motor vehicle department to get your license reinstated.
Job stress can make you pay more – Did you know your occupation can influence how much you pay for car insurance? Occupations such as judges, architects, and medical professionals tend to pay higher average rates attributed to stressful work requirements and lots of time spent at work. On the flip side, jobs like professors, historians and retirees pay the least.
Raise your physical damage deductibles for better rates – Comprehensive and collision coverage deductibles represent how much money you are required to spend out-of-pocket before your car insurance pays a claim. Insurance for physical damage, commonly called comprehensive (or other-than-collision) and collision coverage, is used to repair damage to your car. Examples of covered claims are a windshield broken by a bird, damage caused by hail, and damage caused by road hazards. The more expense the insured has to pay upfront, the less money you will pay for car insurance.
You may need specialized car insurance coverage
When it comes to choosing coverage, there really isn’t a one-size-fits-all type of policy. Each situation is unique and your policy should reflect that.
For instance, these questions can aid in determining if your insurance needs would benefit from professional advice.
- Does my personal policy cover me when driving out-of-state?
- Is my camper covered for physical damage?
- Are there companies who specialize in insuring high-risk drivers?
- Can I use my car for my catering business?
- Should I pay a claim out-of-pocket?
- What can I do if my company won’t pay a claim?
- What is the minimum liability in Oregon?
- How much liability do I need to cover my assets?
- Is my business laptop covered if it gets stolen from my vehicle?
If it’s difficult to answer those questions, you might consider talking to a licensed insurance agent. To find an agent in your area, take a second and complete this form or you can go here for a list of companies in your area. It’s fast, doesn’t cost anything and can provide invaluable advice.
Cheaper auto insurance is out there
Cheaper Dodge Avenger insurance in Portland is definitely available on the web and from local agencies, and you need to comparison shop both to have the best selection. Some insurance companies may not offer rates over the internet and many times these regional carriers work with independent agencies.
We just covered many ideas to get a better price on Dodge Avenger insurance in Portland. It’s most important to understand that the more rate quotes you have, the better your comparison will be. Consumers may even find the best price on auto insurance is with a small local company. Some small companies may only write in your state and offer lower prices as compared to the big name companies such as State Farm and Allstate.
Steps to buying cheaper Dodge Avenger insurance in Portland
The best way to find affordable Dodge Avenger insurance is to regularly compare prices from insurers who sell insurance in Portland.
- First, gain an understanding of what is in your policy and the measures you can take to prevent expensive coverage. Many risk factors that drive up the price like tickets, at-fault accidents, and bad credit can be improved by being financially responsible and driving safely.
- Second, obtain price quotes from direct carriers, independent agents, and exclusive agents. Direct and exclusive agents can give quotes from a single company like GEICO or State Farm, while independent agencies can quote rates for many different companies. View prices
- Third, compare the new rate quotes to your current policy and determine if there is any savings. If you find a lower rate, ensure coverage does not lapse between policies.
- Fourth, provide adequate notice to your current company of your intent to cancel your current car insurance policy. Submit payment along with a signed and completed policy application to the new company. Immediately put the certificate verifying coverage in an easily accessible location.
The most important part of this process is to make sure you’re comparing identical limits and deductibles on every quote and and to get price estimates from as many carriers as you can. This enables an apples-to-apples comparison and the best price selection.
More detailed auto insurance information is located in these articles:
- Drunk Driving Statistics (Insurance Information Institute)
- How Much are Car Insurance Quotes for Seniors in Portland? (FAQ)
- What Car Insurance is Cheapest for High School Students in Portland? (FAQ)
- Who Has Cheap Portland Auto Insurance Quotes for a Ford Edge? (FAQ)
- Who Has the Cheapest Portland Auto Insurance for a Toyota Corolla? (FAQ)
- How Much is Portland Car Insurance for Young Drivers? (FAQ)
- Your Car has been Stolen: Now What? (Allstate)
- How to Avoid Buying a Flooded Car (Insurance Information Institute)
- Vehicle Safety Ratings (iihs.org)