Affordable Insurance for a Dodge Avenger in Tulsa

Trying to find cheaper insurance for a Dodge Avenger in Oklahoma can be an all-consuming task, but you can learn our insurance buying tips and make it easy. There are more efficient ways to find insurance online and you need to know the quickest way to quote coverages for your Dodge and get the lowest price from both online companies and Tulsa agents.

Smart consumers take time to compare premium rates yearly because prices are adjusted regularly by insurance companies. Despite the fact that you may have had the best deal on Dodge Avenger insurance in Tulsa at your last renewal the chances are good that you can find a lower rate quote today. Don’t believe everything you read about Avenger insurance on the web, but in this article, you’re going to get some good information on how to find cheap insurance in Tulsa.

The providers in the list below are ready to provide price comparisons in Tulsa, OK. To get cheaper auto insurance in Tulsa, it’s a good idea that you click on several of them in order to find the cheapest rates.

Here’s why insurance is not optional

Even though Tulsa Avenger insurance rates can get expensive, insuring your vehicle serves an important purpose.

• Most states have compulsory liability insurance requirements which means it is punishable by state law to not carry specific limits of liability in order to drive the car. In Oklahoma these limits are 25/50/25 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.
• If you bought your Dodge Avenger with a loan, more than likely the lender will have a requirement that you buy full coverage to guarantee their interest in the vehicle. If you cancel or allow the policy to lapse, the lender may insure your Dodge for a lot more money and force you to pay the higher premium.
• Insurance safeguards not only your Dodge but also your assets. It will also cover most medical and hospital costs for not only you but also any passengers injured in an accident. As part of your policy, liability insurance also pays for attorney fees and expenses if you are sued as the result of your driving. If your vehicle suffers damage from an accident or hail, collision and comprehensive coverages will pay all costs to repair after the deductible has been paid.

The benefits of buying enough insurance outweigh the cost, specifically if you ever have a liability claim. According to a recent study, the average American driver is wasting up to $869 every year so smart consumers compare quotes at every policy renewal to ensure rates are competitive.

Premium rates and analysis

The price information displayed next covers estimates of insurance rates for Dodge Avenger models. Having a good grasp of how auto insurance policy rates are formulated is important for drivers to make smart choices when buying a policy.

Data based on married female driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Oklahoma minimum liability limits. Discounts applied include claim-free, multi-policy, safe-driver, homeowner, and multi-vehicle. Rates do not factor in vehicle location which can affect price quotes noticeably.

Rate comparison for different deductibles

The hardest decision when buying coverage is how high should the deductibles for physical damage be. The rates shown below may help you to understand how much more you’ll pay of buying low and high policy deductibles. The first data table uses a $250 deductible for comprehensive and collision coverage and the second pricing table uses a $1,000 deductible.

Data variables include married male driver age 30, no speeding tickets, no at-fault accidents, and Oklahoma minimum liability limits. Discounts applied include multi-policy, safe-driver, multi-vehicle, claim-free, and homeowner. Premium amounts do not factor in the specific area where the vehicle is garaged which can impact insurance rates substantially.

Based on these figures, using a $250 deductible will cost in the ballpark of $35 more each month or $420 each year than choosing the higher $1,000 deductible. Because you would pay $750 more if you turn in a claim with a $1,000 deductible as compared to a $250 deductible, if you tend to have more than 21 months between claims, you would more than likely save some money if you opt for a higher deductible.

Comparison of full coverage and liability-only policies

The chart below illustrates the difference between Dodge Avenger annual premium costs with full physical damage coverage compared to only buying liability only. The premiums are based on no accidents or driving violations, $1,000 deductibles, single marital status, and no policy discounts are applied.

When to switch to liability coverage only

There is no specific rule to delete comp and collision coverage, but there is a guideline you can use. If the annual cost of coverage is more than around 10% of the settlement you would receive from your company, then you might want to think about dropping full coverage.

For example, let’s assume your Dodge Avenger replacement cost is $8,000 and you have $1,000 physical damage deductibles. If your vehicle is totaled, the most you would get paid by your company is $7,000 after you pay the deductible. If you are paying in excess of $700 a year for your policy with full coverage, then you may need to consider dropping full coverage.

There are some cases where removing full coverage is not in your best interest. If you still owe a portion of the original loan, you have to maintain full coverage in order to keep the loan. Also, if your savings is not enough to buy a different vehicle in the event your current vehicle is totaled, you should not drop full coverage.

Insurance policy discounts for Dodge Avenger insurance in Tulsa

Some insurance providers don’t always advertise the complete list of policy discounts in an easy-to-find place, so the list below details a few of the more well known as well as some of the hidden discounts you could be receiving when you buy Tulsa auto insurance online.

• Accident Waiver – This one isn’t a discount, but companies like Progressive, Allstate, and GEICO permit an accident before raising your premiums with the catch being you have to be claim-free for a particular time prior to the accident.
• Senior Citizens – If you’re over the age of 55, you may receive a slight reduction on a Tulsa auto insurance quote.
• Discount for Swiching Early – A few insurance companies offer discounts for buying a policy before your current expiration date. This discount can save up to 10%.
• Driver Education Discount – Reduce the cost of insurance for teen drivers by having them enroll in driver’s education in school.
• Data Collection Discounts – Tulsa drivers who agree to allow companies to analyze driving habits by using a telematics device such as Progressive’s Snapshot could save a few bucks if their driving habits are good.
• Discounts for Multiple Vehicles – Buying insurance for several vehicles with one company can get a discount on all vehicles.
• Student Discounts – Maintaining excellent grades can earn a discount of 20% or more. The discount lasts until age 25.
• Use Seat Belts – Requiring all passengers to buckle their seat belts may be able to save a few bucks off the PIP or medical payment premium.

One thing to note about discounts is that most discount credits are not given to all coverage premiums. Most only cut the cost of specific coverages such as comprehensive or collision. So despite the fact that it appears you would end up receiving a 100% discount, that’s just not realistic.

The chart below visualizes the comparison of Dodge Avenger insurance costs with and without discounts applied to the policy rates. The costs are based on a female driver, no tickets, no at-fault accidents, Oklahoma 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 multi-policy, multi-car, claim-free, homeowner, marriage, and safe-driver discounts applied.

To locate providers with discount insurance rates in Oklahoma, follow this link.

Insurance agents can help

When selecting a policy for your personal vehicles, there really is not a one-size-fits-all type of policy. Everyone’s needs are different and your insurance should be unique as well.
These are some specific questions might point out if you would benefit from professional advice.

• What is an adequate liability insurance limit?
• Am I covered if hit by an uninsured driver?
• Is my vehicle covered by my employer’s policy when using it for work?
• Can I rent a car in Mexico?
• Am I covered if I have no license?
• What if I total my Dodge Avenger and owe more than it’s worth?

If you’re not sure about those questions but you think they might apply to your situation, you may need to chat with 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 It’s fast, doesn’t cost anything and may give you better protection.