Discount Dodge Avenger insuranceHave you had enough of wondering where the money will come from to pay your insurance bill each month? Your situation is no different than many other Colorado drivers.

It's amazing but the vast majority of insurance customers have stayed with the same insurance company for four years or more, and just short of a majority have never taken the time to shop around. With the average premium in Colorado being $1,813, drivers could pocket as much as $610 a year by just comparing quotes, but they don't know the actual amount they would save if they changed companies. With so many insurance companies to choose from that have lower-cost insurance for a Dodge Avenger in Fort Collins, it's nearly impossible to locate a more affordable insurance provider.

It's a good idea to do rate comparisons yearly since prices are variable and change quite frequently. Just because you had the lowest rates on Dodge Avenger insurance in Fort Collins at your last renewal you can probably find a better premium rate now. There is a lot of wrong information about Avenger insurance on the internet, but I'm going to show you some of the best ways to buy insurance cheaper in Fort Collins.

Discounts for cheaper car insurance quotes

Some insurers do not advertise all their discounts very well, so below is a list a few of the more common and the more hidden discounts that you may qualify for.

One last thing about discounts, some credits don't apply to the entire cost. Some only reduce the price of certain insurance coverages like liability and collision coverage. So despite the fact that it appears adding up those discounts means a free policy, company stockholders wouldn't be very happy. Any qualifying discounts will help reduce your overall bill.

To see a list of car insurance companies who offer car insurance discounts in Fort Collins, click this link.

How to compare Fort Collins Dodge Avenger insurance rate quotes

The providers in the list below offer quotes in Fort Collins, CO. If more than one company is shown, it's a good idea that you get price quotes from several of them to get the best price comparison.

Dodge Avenger Insurance Rates in Fort Collins, CO
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Avenger Express $344 $644 $520 $30 $156 $1,694 $141
Avenger R/T $244 $534 $536 $32 $160 $1,506 $126
Avenger SXT $172 $370 $382 $22 $114 $1,060 $88
Get Your Own Custom Quote Go

Price data assumes married male driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Colorado minimum liability limits. Discounts applied include claim-free, multi-vehicle, multi-policy, homeowner, and safe-driver. Rate information does not factor in garaging location in Fort Collins which can change prices noticeably.

Does it make sense to buy full coverage?

The diagram below shows the difference between Dodge Avenger insurance costs when comparing full coverage to liability only. The premium estimates are based on no claims or driving violations, $250 deductibles, single male driver, and no discounts are applied.

Are you wasting money on full coverage?

There is no clear-cut formula for phasing out comprehensive and collision coverage on your policy, but there is a general convention. If the yearly cost of full coverage is more than about 10% of any settlement you would receive from your insurance company, then you might want to consider buying only liability coverage.

For example, let's assume your Dodge Avenger book value is $3,000 and you have $1,000 full coverage deductibles. If your vehicle is damaged in an accident, you would only receive $2,000 after paying your policy deductible. If you are paying in excess of $200 annually for your policy with full coverage, then it's probably a good time to buy liability coverage only.

There are some cases where only buying liability is not recommended. If you have an outstanding loan on your vehicle, you have to keep full coverage in order to prevent your loan from defaulting. Also, if you cannot afford to purchase a different vehicle in the even your car is totaled, you should not opt for liability only.

Comparison of auto insurance rates by age and gender

The illustration below shows the comparison of Dodge Avenger auto insurance costs for male and female drivers. The costs are based on no accidents or driving violations, comprehensive and collision coverage, $250 deductibles, drivers are single, and no discounts are taken into consideration.

Physical damage deductibles: Should you raise them?

The information below shows how choosing a deductible and can influence Dodge Avenger premium costs for different age groups of insureds. The price estimates are based on a single male driver, comprehensive and collision coverage, and no discounts are factored in.

Buy Lower-cost Insurance with These Tips

Lots of factors are considered when you quote your car insurance policy. Some factors are common sense such as traffic violations, but some are more transparent such as whether you are married or your financial responsibility.

Shown below are a few of the "ingredients" companies use to determine your prices.

Bundle policies and save money - Lots of insurers apply lower prices for people that have more than one policy such as combining an auto and homeowners policy. Even if you already get this discount, you may still want to compare other Fort Collins Avenger insurance rates to ensure the best deal. Consumers may find a better deal by buying from different companies

Raise coverage deductibles and save - Insurance for physical damage, termed comprehensive and collision coverage on your policy, insures against damage to your Dodge. Some examples of claims that would be covered would be running into the backend of another car, damage from fire, and damage caused by flying debris. Comp and collision deductibles tell how much you are willing to pay in the event of a claim. The more damage repair cost you're willing to pay, the bigger discount you will receive.

Is you employer costing you more? - Did you know your job can affect your rates? Jobs such as judges, social workers and dentists generally have higher rates than the rest of us due to job stress and extremely grueling work hours. On the other hand, jobs like actors, athletes and performers have the lowest average rates.

Big city or small town - Residing in small towns and rural areas can be a good thing if you are looking for the lowest rates. Less people corresponds to lower accident rates in addition to lower liability claims People in densely populated areas have much more traffic and longer commutes to work. The longer drive time translates into higher accident risk.

Liability is critical - Liability coverage provides coverage in the event that a jury decides you are liable for physical damage or personal injury to other. This coverage provides legal defense to attempt to prove you were not liable. Liability insurance is pretty cheap compared to comp and collision, so drivers should buy more than the minimum limits required by law.

How do I know if I need professional advice?

Always remember that when buying the right insurance coverage for your vehicles, there is no one size fits all plan. Coverage needs to be tailored to your specific needs.

For example, these questions might point out whether or not you might need professional guidance.

If you can't answer these questions but you know they apply to you, you may need to chat with an insurance agent. If you don't have a local agent, fill out this quick form. It's fast, doesn't cost anything and may give you better protection.

What if I want to buy from local Fort Collins car insurance agents?

A small number of people prefer to talk to a local agent and we recommend doing that Good insurance agents can answer important questions and help you file claims. One of the benefits of comparing car insurance online is that drivers can save money and get cheaper premium rates and still have an agent to talk to. Putting coverage with local insurance agents is definitely important in Fort Collins.

Find insurance agent in Fort CollinsTo find an agent, once you fill out this simple form, your insurance coverage information is emailed to local insurance agents who will gladly provide quotes and help you find cheaper coverage. You never need to even leave your home because quoted prices will be sent straight to your inbox. If you wish to quote rates from a specific insurance company, you can always visit that company's website to submit a rate quote request.

When looking for a local insurance agency, it can be helpful to understand the types of insurance agents and how they function. Agents are classified as either independent agents or exclusive agents. Either type can handle car insurance, but it's worth mentioning why they differ since it can affect the type of agent you choose.

Independent Agencies or Brokers

Agents that elect to be independent are not restricted to one company so as a result can place your coverage with an assortment of companies and help determine which has the cheapest rates. If your premiums go up, they simply move the coverage in-house without you having to go to a different agency.

When shopping rates, you will want to get rate quotes from multiple independent agents to maximize your price options.

The following are Fort Collins independent insurance agencies that can possibly get you comparison quotes.

220 Smith St - Fort Collins, CO 80524 - (970) 484-2805 - View Map

144 N Mason St # 5 - Fort Collins, CO 80524 - (970) 672-8853 - View Map

121 E Swallow Rd - Fort Collins, CO 80525 - (970) 484-3200 - View Map

View more agents

Exclusive Agents

Exclusive agents can usually just insure with one company such as Allstate, Farmers Insurance or State Farm. These agents are not able to provide other company's prices so they have to upsell other benefits. Exclusive insurance agents are highly trained on their company's products which aids in selling service over price.

Shown below are exclusive insurance agents in Fort Collins that are able to give price quote information.

2601 S Lemay Ave #36 - Fort Collins, CO 80525 - (970) 223-7800 - View Map

1090 E Elizabeth St - Fort Collins, CO 80524 - (970) 493-1888 - View Map

106 E Olive St - Fort Collins, CO 80524 - (970) 482-1936 - View Map

View more agents

Picking an car insurance agent should depend on more than just the price. Any good agent in Fort Collins should know the answers to these questions.

Upon getting acceptable answers to any questions you may have as well as a affordable price, it's possible that you found an insurance agent that can adequately provide car insurance. Just understand that consumers can terminate your policy for any reason so don't assume you are locked into any particular company for a certain time period.

Auto insurance is not optional but you don't have to overpay

Despite the fact that auto insurance is not cheap in Fort Collins, maintaining insurance is required by state law in Colorado and it also provides benefits you may not be aware of.

The benefits of having auto insurance more than cancel out the cost, especially with large liability claims. Despite what companies tell you, the average driver is overpaying over $820 a year so you should quote rates at every policy renewal to save money.

Be persistent and save

Insureds switch companies for many reasons like extreme rates for teen drivers, questionable increases in premium, an unsatisfactory settlement offer or even policy non-renewal. It doesn't matter what your reason, finding a new car insurance company is actually quite simple.

You just learned many ideas to find cheap Dodge Avenger insurance in Fort Collins. The most important thing to understand is the more quotes you get, the higher your chance of finding affordable Fort Collins car insurance quotes. You may even be surprised to find that the lowest rates are with a smaller regional carrier.

As you go through the steps to switch your coverage, don't be tempted to buy poor coverage just to save money. There are too many instances where someone dropped uninsured motorist or liability limits and found out when filing a claim they didn't have enough coverage. Your strategy should be to find the BEST coverage at the best possible price and still be able to protect your assets.

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