Insurance for Dodge AvengerWant to learn how to find more competitive Dodge Avenger insurance in Colorado Springs? Are you burned out from scraping nickels together to buy insurance? You are in the same boat as millions of other vehicle owners.

Sad but true, nearly 70% of Colorado drivers kept their coverage with the same insurance company for more than four years, and 38% of drivers have never compared quotes from other companies. With the average premium in America being $1,847, drivers can save as much as $860 each year by just comparing rate quotes, but they don't know the large savings they would see if they replace their high priced policy.

Vehicle owners have multiple insurers to insure vehicles with, and even though it's nice to be able to choose, it can be more difficult to adequately compare rates for Dodge Avenger insurance in Colorado Springs.

Finding the cheapest car insurance coverage in Colorado Springs is really quite easy. If you're already insured, you will be able to cut your premiums using the concepts covered in this article. Nevertheless, Colorado consumers do need to learn the methods companies use to determine how much to charge and use it to your advantage.

Save money with discounts

Car insurance can cost a lot, but there's a good chance there are discounts that you may not even know about. Most are applied at quote time, but a few must be specifically requested prior to receiving the credit.

As a sidenote, some credits don't apply to the overall cost of the policy. Most only apply to specific coverage prices like physical damage coverage or medical payments. Just because it seems like it's possible to get free car insurance, it just doesn't work that way.

Some of the larger companies that may offer policyholders some of the discounts shown above may include but are not limited to:

It's a good idea to ask each insurance company how many discounts you can get. Discounts may not be available everywhere. If you would like to choose from a list of auto insurance companies that offer discounts in Colorado, follow this link.

All the larger auto insurance companies provide pricing on the web. Obtaining pricing for Dodge Avenger insurance in Colorado Springs is easy for anyone as you simply enter the coverage amounts you desire as requested by the quote form. Upon sending the form, the system will order information on your driving record and credit history and quotes a price based on many factors. Using the web to get rates for Dodge Avenger insurance in Colorado Springs makes it easy to compare insurance prices and it is important to have as many quotes as possible if you want to get the most affordable possible premiums on auto insurance.

If you want to fill out one form to compare multiple rates now, compare quotes from the companies shown below. If you have a policy now, it's recommended you input the coverages exactly as they are listed on your policy. This helps ensure you're receiving comparison quotes based on the exact same insurance coverage.

The car insurance companies shown below offer comparison quotes in Colorado. If multiple providers are shown, we recommend you get rate quotes from several of them in order to get a fair rate comparison.

Dodge Avenger Insurance Costs in Colorado Springs, CO
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Avenger Express $232 $534 $374 $22 $112 $1,274 $106
Avenger R/T $168 $340 $396 $24 $118 $1,046 $87
Avenger SXT $344 $644 $520 $30 $156 $1,694 $141
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Table data represents single male driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and Colorado minimum liability limits. Discounts applied include multi-policy, safe-driver, multi-vehicle, claim-free, and homeowner. Premium costs do not factor in Colorado Springs location which can influence insurance rates considerably.

An analysis of deductible level

One frequently asked question is how high or low should comp and collision deductibles be. The rates below help summarize the costs and benefits when you buy lower versus higher coverage deductibles. The first table uses a $250 deductible for physical damage and the second set of rates uses a $500 deductible.

Dodge Avenger insurance rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Avenger Express $272 $538 $396 $24 $118 $1,373 $114
Avenger R/T $272 $538 $396 $24 $118 $1,373 $114
Avenger SXT $272 $538 $396 $24 $118 $1,373 $114
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Dodge Avenger insurance rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Avenger Express $220 $434 $396 $24 $118 $1,192 $99
Avenger R/T $220 $434 $396 $24 $118 $1,192 $99
Avenger SXT $220 $434 $396 $24 $118 $1,192 $99
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Data rating is based on married male driver age 30, no speeding tickets, no at-fault accidents, and Colorado minimum liability limits. Discounts applied include claim-free, safe-driver, multi-policy, multi-vehicle, and homeowner. Price estimates do not factor in specific garaging location which can alter coverage rates noticeably.

Based on the figures above, using a $250 deductible will cost you roughly $15 more each month or $180 annually than selecting the higher $500 deductible. Due to the fact that you would have to pay $250 more if you file a claim with a $500 deductible as compared to a $250 deductible, if you tend to have at least 17 months between claim filings, you would most likely save money going with the higher deductible.

How to determine if raising deductibles makes sense

Average monthly premium for $250 deductibles: $114
Average monthly premium for $500 deductibles (subtract): - $99
Monthly savings from raising deductible: $15
Difference between deductibles ($500 - $250): $250
Divide difference by monthly savings: $250 / $15
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 17 months

One important caveat is that raising deductibles to save money means you will have to pay more when you have a physical damage claim. You must have some funds available in the event you need to pay the higher deductible.

Should you buy full coverage?

The illustration below illustrates the difference between Dodge Avenger car insurance rates when comparing full coverage to liability only. The rate quotes are based on a clean driving record, no at-fault accidents, $1,000 deductibles, married male driver, and no other discounts are factored in.

When to drop comprehensive and collision

There is no written rule to stop paying for physical damage coverage on your policy, but there is a broad guideline. If the annual cost of comprehensive and collision coverage is more than 10% of the vehicle's replacement cost less your deductible, then you might want to think about dropping full coverage.

For example, let's pretend your Dodge Avenger replacement cost is $3,000 and you have $1,000 deductibles. If your vehicle is totaled, the most your company will settle for is $2,000 after the policy deductible has been paid. If premium cost is more than $200 annually for physical damage coverage, the it may be a good time to stop paying for full coverage.

There are some conditions where buying only liability insurance is not financially feasible. If you haven't satisfied your loan, you are required to maintain full coverage in order to keep the loan. Also, if you cannot afford to purchase a different vehicle if your current one is in an accident, you should not eliminate full coverage.

Four Things That Determine Your Insurance Rates

When buying car insurance it's important to understand the factors that help calculate your premiums. If you understand what impacts premium levels, this enables you to make decisions that may result in much lower annual insurance costs.

The factors shown below are a partial list of the pieces that factor into rates.

What is the best insurance coverage?

When it comes to choosing adequate coverage for your personal vehicles, there really isn't a "best" method to buy coverage. Each situation is unique so your insurance needs to address that. For instance, these questions might help in determining whether you would benefit from an agent's advice.

If you don't know the answers to these questions but one or more may apply to you, you might consider talking to a licensed agent. To find lower rates from a local agent, take a second and complete this form or you can also visit this page to select a carrier

When to get advice from a local insurance agent

Some consumers just prefer to sit down and talk to an agent and that is recommended in a lot of cases One of the great benefits of price shopping on the web is that you can find the lowest rates and still choose a local agent.

Find insurance agent in Colorado SpringsBy using this form (opens in new window), the quote information is immediately sent to participating agents in Colorado Springs who will return price quotes for your coverage. It's much easier because you don't need to find an agent on your own because quoted prices will be sent to your email. You can find better rates AND an agent nearby. If you want to compare rates from a specific insurance company, feel free to jump over to their website and complete a quote there.

Choosing the best provider shouldn't rely on just the price. The answers to these questions are important, too.

When looking for a reputable agency, it's important to understand the different types of agents and how they differ in how they can insure your vehicles. Insurance agencies in Colorado Springs can be classified as either independent (non-exclusive) or exclusive.

Exclusive Insurance Agents

Agents that choose to be exclusive can only write with one company such as American Family, State Farm, and Allstate. They usually cannot give you multiple price quotes so it's a take it or leave it situation. These agents are well trained on their products and sales techniques and that allows them to sell at a higher price point.

Listed below are exclusive agents in Colorado Springs that can give you price quote information.

8027 Academy Blvd N - Colorado Springs, CO 80920 - (719) 594-4500 - View Map

5731 Silverstone Terrace #120 - Colorado Springs, CO 80919 - (719) 268-9003 - View Map

3649 Star Ranch Rd - Colorado Springs, CO 80906 - (719) 540-9520 - View Map

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Independent Insurance Agents

These agents are not employed by one company and that allows them to write policies through many companies depending on which coverage is best. If your agent finds better pricing, your agent can switch companies which makes it simple for you.

If you are trying to find cheaper rates, we recommend you compare prices from several independent agencies to maximize your price options.

Shown below is a list of independent insurance agents in Colorado Springs that can give you rate quotes.

2850 Serendipity Cir W #230 - Colorado Springs, CO 80917 - (719) 574-0082 - View Map

5585 Erindale Dr #107 - Colorado Springs, CO 80918 - (719) 528-1884 - View Map

5155 N Academy, #110 - Colorado Springs, CO 80918 - (719) 622-3079 - View Map

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Why you need vehicle insurance in Colorado

Despite the high insurance cost for a Dodge Avenger in Colorado Springs, insurance may be mandatory for several reasons.

The benefits of insuring your Avenger are without a doubt worth the cost, particularly if you ever have a claim. But the average driver in Colorado overpays more than $830 a year so we recommend shopping around each time the policy renews to ensure rates are inline.

Get the best coverage at the best price

As you restructure your insurance plan, you should never reduce coverage to reduce premium. There are many occasions where someone sacrificed liability limits or collision coverage to discover at claim time that their decision to reduce coverage ended up costing them more. Your aim should be to get the best coverage possible at the best cost, but do not skimp to save money.

Cheap Dodge Avenger insurance in Colorado Springs is possible online as well as from independent agents in Colorado Springs, so get free Colorado Springs auto insurance quotes from both of them so you have a total pricing picture. Some companies do not provide rate quotes online and most of the time these regional carriers only sell coverage through local independent agents.

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