Do you want an efficient way to compare lower-priced insurance rates in Arlington, TX? Arlington shoppers have lots of choices when shopping for the best price on Dodge Avenger insurance. They can either spend hours struggling with agents to compare prices or save time using the internet to make rate comparisons.
There is a better way to buy insurance and we’ll show you the best way to get price quotes for a new or used Dodge and locate the lowest price from Arlington insurance agents and online providers.
It’s a known fact that insurance companies don’t want policyholders to compare prices from other companies. Insureds who shop around for cheaper price quotes will presumably switch to a new company because of the high probability of getting low-cost coverage. A study showed that consumers who routinely compared quotes saved over $70 a month compared to drivers who never shopped around for cheaper prices.
If finding the cheapest price on car insurance in Arlington is your goal, then understanding the best ways to shop for insurance premiums can save time, money, and frustration.
Smart consumers take time to get comparison quotes on a regular basis because insurance prices trend upward over time. Even if you got the lowest price on Dodge Avenger insurance in Arlington two years ago there is a good chance you can find better rate quotes now. Block out anything you think you know about insurance because we’re going to demonstrate how to use online quotes to lower your rates without sacrificing coverage.
If you have coverage now or just want cheaper coverage, use these cost-cutting techniques to get lower rates and still get good coverage. Our objective is to help you learn the most effective way to quote insurance. You just have to understand the fastest way to compare insurance rates over the internet.
The providers in the list below are our best choices to provide price quotes in Arlington, TX. To get the best auto insurance in Texas, we recommend you click on several of them in order to get a fair rate comparison.
Car insurance does more than just repair your car
Despite the potentially high cost of Dodge Avenger insurance, car insurance may not be optional for several reasons.
- Just about all states have minimum liability requirements which means it is punishable by state law to not carry a minimum amount of liability coverage in order to get the vehicle licensed. In Texas these limits are 30/60/25 which means you must have $30,000 of bodily injury coverage per person, $60,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.
- If you have a loan on your vehicle, almost every bank will make it mandatory that you carry insurance to ensure loan repayment if the vehicle is totaled. If you do not keep the policy in force, the lender may have to buy a policy to insure your Dodge at a much higher premium rate and force you to pay for it.
- Car insurance preserves not only your vehicle but also your financial assets. It also can pay for medical expenses for both you and anyone you injure as the result of an accident. Liability insurance will also pay attorney fees if someone files suit against you as the result of an accident. If damage is caused by hail or an accident, your car insurance policy will cover the damage repairs after a deductible is paid.
The benefits of carrying enough insurance are definitely more than the cost, especially if you ever need it. The average driver in America is overpaying more than $825 a year so you should quote your policy with other companies at every policy renewal to ensure rates are inline.
Insurance coverage details
The information shown below covers estimates of coverage prices for Dodge Avenger models. Knowing how policy premiums are determined is important for drivers to make smart choices when choosing a car insurance company.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Avenger Express | $314 | $788 | $560 | $34 | $168 | $1,864 | $155 |
| Avenger R/T | $314 | $788 | $560 | $34 | $168 | $1,864 | $155 |
| Avenger SXT | $314 | $788 | $560 | $34 | $168 | $1,864 | $155 |
| Get Your Own Custom Quote Go | |||||||
Prices based on single female driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and Texas minimum liability limits. Discounts applied include multi-vehicle, homeowner, claim-free, safe-driver, and multi-policy. Price estimates do not factor in garaging location in Arlington which can modify coverage prices considerably.
Comparison of policy deductibles
One frequently asked question is where to set your physical damage deductibles. The figures shown below sum up the differences in price when you select higher and lower physical damage coverage deductibles. The first rate quote example uses a $100 physical damage coverage deductible and the second price table uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Avenger Express | $328 | $698 | $430 | $26 | $128 | $1,635 | $136 |
| Avenger R/T | $328 | $698 | $430 | $26 | $128 | $1,635 | $136 |
| Avenger SXT | $328 | $698 | $430 | $26 | $128 | $1,635 | $136 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Avenger Express | $240 | $472 | $430 | $26 | $128 | $1,296 | $108 |
| Avenger R/T | $240 | $472 | $430 | $26 | $128 | $1,296 | $108 |
| Avenger SXT | $240 | $472 | $430 | $26 | $128 | $1,296 | $108 |
| Get Your Own Custom Quote Go | |||||||
Data variables include married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include multi-policy, multi-vehicle, safe-driver, claim-free, and homeowner. Table data does not factor in garaging location in Arlington which can raise or lower auto insurance rates substantially.
Based on this data, using a $100 deductible would cost the average driver about $28 more each month or $336 every year than opting for the higher $500 deductible. Because you would pay $400 more out-of-pocket with a $500 deductible as compared to a $100 deductible, if you normally go at a minimum 14 months between claim filings, you would save more money if you opt for a higher deductible.
Difference between liability only and full coverage rates
The example below visualizes the comparison of Dodge Avenger insurance costs with full physical damage coverage and with liability coverage only. The costs are based on no claims, a clean driving record, $500 deductibles, drivers are not married, and no discounts are applied to the premium.
Should you pay for full coverage?
There is no set rule for dropping physical damage coverage on your policy, but there is a guideline you can consider. If the annual cost of your full coverage insurance is 10% or more of any settlement you would receive from your insurance company, then you may want to consider only buying liability coverage.
For example, let’s pretend your Dodge Avenger settlement value is $5,000 and you have $1,000 physical damage deductibles. If your vehicle is destroyed, the most you would get paid by your company is $4,000 after paying your policy deductible. If you are paying in excess of $400 annually for comprehensive and collision coverage, then it might be time to buy liability only.
There are a few cases where dropping full coverage is not recommended. If you still have a lienholder on your title, you are required to maintain full coverage in order to satisfy the requirements of the loan. Also, if your emergency fund is not enough to purchase a different vehicle if your current one is in an accident, you should not remove full coverage.
Get cheaper Dodge Avenger insurance in Arlington with discounts
Some insurance providers don’t always advertise every policy discount very clearly, so below is a list a few of the more common in addition to some of the lesser obvious discounts that you may qualify for.
- Seat Belt Usage – Drivers who require all vehicle occupants to use their safety belts could save 15% off PIP or medical payments premium.
- Mature Driver Discount – Drivers that qualify as senior citizens may qualify for a small decrease in premiums.
- Own a Home and Save – Simply owning a home can get you a discount because maintaining a house means you have a higher level of financial diligence.
- Discount for Swiching Early – A few companies offer discounts for signing up early. Ten percent is about the average savings.
- Professional Memberships – Belonging to a professional or civic organization could trigger savings on your next renewal.
- Multi-policy Discount – If you can combine your home and auto policy with one insurance company you could earn a discount of 10% to 20% off each policy.
- Pay Now and Pay Less – By paying your policy upfront instead of paying each month you can avoid monthly service charges.
- Multiple Vehicles – Insuring multiple vehicles with one company can reduce rates for all insured vehicles.
Keep in mind that most discounts do not apply to the entire cost. Most only apply to the price of certain insurance coverages like medical payments or collision. Even though the math looks like you would end up receiving a 100% discount, nobody gets a free ride.
The example below shows the comparison of Dodge Avenger insurance costs with and without discounts being applied to the rates. The data is based on a female driver, no accidents or driving violations, Texas 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 safe-driver, multi-car, claim-free, marriage, homeowner, and multi-policy discounts applied.
A few companies that may include most of these discounts are:
If you are trying to find the cheapest Dodge Avenger rate quotes, ask all companies you are considering which discounts they offer. Some discounts might not be offered in every state. To find car insurance companies who offer free Dodge Avenger insurance quotes in Arlington, follow this link.
Compare prices but buy from a local Arlington insurance agency
Some consumers prefer to buy from a licensed agent and doing that can be a smart decision Good agents can answer important questions and help submit paperwork. A good thing about getting free rate quotes online is the fact that drivers can get lower rates and still have a local agent. Buying from and supporting neighborhood insurance agencies is important particularly in Arlington.
To help locate an agent, after submitting this form (opens in new window), your insurance coverage information gets sent to participating agents in Arlington who will give you bids for your insurance coverage. You never need to search for any insurance agencies because quoted prices will be sent straight to your inbox. If you need to get a comparison quote from a specific insurance company, just visit that company’s website and complete a quote there.
When searching for a reputable agency, it’s important to understand the types of insurance agents that differ in how they can insure your vehicles. Car insurance policy providers are categorized either independent or exclusive. Either one can write policy coverage, but it’s good to learn why they differ because it can influence the selection process.
Independent Agents
Independent agents do not write with just one company and that gives them the ability to insure with an assortment of companies and find the cheapest rate. To transfer your coverage to a different company, your policy is moved internally and you won’t have to switch agencies. If you are trying to find cheaper rates, you absolutely need to contact several independent agencies to get the most accurate price comparison. Most also write with small regional insurance companies that may have much lower rates than larger companies.
Shown below are Arlington independent agencies that can give you competitive price quotes.
- Kennedy Insurance
820 E Park Row Dr – Arlington, TX 76010 – (817) 461-2907 – View Map - Nationwide Insurance: Abdiel Benjamin Arellano Agency
420 E Lamar Blvd Ste 204 – Arlington, TX 76011 – (817) 345-6000 – View Map - Shane Ferrell Insurance Agency
3926 W Pioneer Pkwy – Arlington, TX 76013 – (817) 635-4663 – View Map
Exclusive Insurance Agents
These agents can only place business with one company and examples are State Farm, Allstate and AAA. These agents are not able to provide other company’s prices so they are skilled at selling on more than just price. Exclusive agents are usually quite knowledgeable on their products and sales techniques and that allows them to sell at a higher price point. Some consumers prefer to buy from exclusive agents primarily because of the brand legacy rather than low price.
Shown below are Arlington exclusive agents that can give you rate quotes.
- Randy McCoy – State Farm Insurance Agent
1730 W Randol Mill Rd #160 – Arlington, TX 76012 – (817) 274-1324 – View Map - Farmers Insurance: Scott Insurance Agency
5800 I-20 Frontage Rd #100 – Arlington, TX 76017 – (817) 225-6431 – View Map - Steve Perryman – State Farm Insurance Agent
3800 SW Green Oaks Blvd – Arlington, TX 76017 – (817) 561-5555 – View Map
Deciding on an insurance agency needs to be determined by more than just the price. Agents should be asked these questions:
- How is replacement cost determined on your vehicle?
- How much training do they have in personal risk management?
- If you have an accident, will your rates go up?
- Is their price quote a firm figure or are their hidden costs?
- Is the agent CPCU or CIC certified?
- Which family members are covered?
Upon receiving good responses to these questions and a low price estimate, you’ve probably found a car insurance agent that meets your needs to service your policy.
Cheaper coverage is out there
When shopping online for car insurance, don’t be tempted to reduce needed coverages to save money. There are many occasions where an insured dropped liability coverage limits to discover at claim time that it was a big error on their part. The goal is to buy enough coverage at the lowest possible cost while still protecting your assets.
We covered quite a bit of information on how to shop for Dodge Avenger insurance online. The key thing to remember is the more times you quote, the better likelihood of getting inexpensive Arlington auto insurance quotes. You may even discover the lowest prices come from the least-expected company.
Consumers switch companies for a number of reasons such as high prices, lack of trust in their agent, questionable increases in premium and even policy cancellation. It doesn’t matter what your reason, finding a new company can be easy and end up saving you some money.
Steps to buying low-cost Dodge Avenger insurance in Arlington
The best way we recommend to get discount Dodge Avenger insurance is to start doing a yearly price comparison from providers in Arlington. Rate comparisons can be done by following these steps.
- Gain an understanding of auto insurance and the measures you can take to keep rates low. Many rating factors that are responsible for high rates like speeding tickets, careless driving and a poor credit rating can be rectified by making minor driving habit or lifestyle changes.
- Obtain price quotes from direct, independent, and exclusive agents. Direct companies and exclusive agencies can only quote rates from a single company like Progressive or State Farm, while agents who are independent can quote rates from many different companies. View prices
- Compare the new rate quotes to the premium of your current policy to see if you can save by switching companies. If you find a lower rate quote and make a switch, ensure there is no coverage lapse between policies.
- Notify your agent or company of your intention to cancel the current policy and submit a down payment along with a completed application to the new company. As soon as you receive it, place your new proof of insurance certificate with your vehicle’s registration.
A tip to remember is that you use identical coverages on every price quote and and to get price quotes from as many different insurance providers as possible. Doing this helps ensure a fair rate comparison and a complete rate analysis.
More information
- Choosing a Car for Your Teen (State Farm)
- What Auto Insurance is Cheapest for a 20 Year Old Male in Arlington? (FAQ)
- Who Has Affordable Arlington Auto Insurance for Nurses? (FAQ)
- How Much are Arlington Auto Insurance Quotes for Ride Shares? (FAQ)
- Who Has Affordable Arlington Auto Insurance Rates for a Toyota Camry? (FAQ)
- How Much are Auto Insurance Quotes for a Learners Permit in Arlington? (FAQ)
- Who Has the Cheapest Arlington Car Insurance Rates for Electric Cars? (FAQ)
- Young Drivers: The High Risk Years Video (iihs.org)
- Teen Driver Licensing Information (iihs.org)
- Uninsured Motorist Statistics (Insurance Information Institute)
- New vehicle ratings focus on headlights (Insurance Institute for Highway Safety)