Save on 2014 Dodge Avenger Car Insurance Quotes in 2024

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: May 6, 2024

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It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

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Searching for the cheapest insurance coverage rates for your Dodge Avenger? Paying more affordable rates for insurance coverage could be hard for drivers who are new to buying insurance online. With dozens of companies in the marketplace, it can be a burden to find cheaper rates.

The best way we recommend to compare insurance rates in your area takes advantage of the fact car insurance companies allow for online access to provide you with free rate quotes. All you need to do is give the companies some data like marital status, how much education you have, if a SR-22 is needed, and any included safety features. Your details is then sent to many different companies and you should receive rate quotes instantly.

To compare rates now, click here and see if a lower rate is available.

Ads can be misleading

Insurance companies such as Progressive, GEICO, Allstate and State Farm continually stream ads in print and on television. They all seem to state the claim that people will save after switching your policy. How is it possible that every company can say the same thing? Here is how they do it.

Insurance companies provide the lowest rates for the type of driver that earns them the highest profit. A good example of this type of driver could be a mature driver, has other policies, and has a high credit rating. A driver that hits that “sweet spot” will probably get the lowest car insurance rates and will also cut their rates if they switch.

Consumers who don’t measure up to these standards will get a higher rate which usually ends up with business not being written. The trick is to say “drivers who switch” not “everybody who quotes” save money. That’s why companies can lure you into getting a quote. This really illustrates why you absolutely need to compare as many free auto insurance quotes as you can. You cannot predict which insurance companies will have the lowest rate quotes.

Insurance premiums are influenced by these factors

Lots of factors are used when you quote your car insurance policy. Most are fairly basic such as your driving record, although some other factors are not as apparent like where you live or your vehicle rating.

  • Annual mileage impacts premiums – Driving a lot of miles every year the higher your rate. A lot of insurance companies apply a rate based on how the vehicle is used. Cars and trucks used primarily for pleasure use cost less to insure than vehicles that are driven to work every day. Verify your declarations sheet reflects the right rating data, because it can save money. A policy that improperly rates your Avenger may be wasting your money.
  • Only buy add-on coverages you need – There are many extra add-on coverages you can purchase on your auto insurance policy. Coverages for vanishing deductibles, towing coverage, and extra life insurance coverage may not be needed and are just wasting money. These may sound like a good investment when you first buy your policy, but if they’re wasting money remove them from your policy.
  • A lauto insurance lapse is a bad thing – Having a gap between insurance policy dates is a fast way to trigger a rate increase. And not only will your rates increase, the inability to provide proof of insurance may earn you a steep fine or even jail time.
  • Get hitched and get cheaper rates – Getting married can get you a discount on your auto insurance bill. Having a significant other is viewed as being more mature and statistics prove married couples file fewer claims.
  • Gender impacts premiums – Over the last 50 years, statistics have shown that females take fewer risks when driving. Now that doesn’t mean men are WORSE drivers than women. They both have auto accidents at about the same rate, but the males cause more damage. Men also receive more costly citations such as DWI and reckless driving.

Get cheap insurance rates with discounts

Companies don’t always advertise all discounts very clearly, so we break down a few of the more well known in addition to some of the lesser obvious discounts that may be available.

  • Good Driver Discounts – Insureds without accidents can save up to 40% or more on their auto insurance quote for Avenger insurance compared to accident prone drivers.
  • Savings for New Vehicles – Insuring a vehicle that is new can be considerably cheaper due to better safety requirements for newer models.
  • Use Seat Belts – Drivers who require all occupants to wear their seat belts can save up to 10 percent (depending on the company) off the medical payments premium.
  • E-sign – Certain insurance companies may give you up to $50 get auto insurance on the web.
  • Active Military Service – Having a deployed family member may lower your insurance rates slightly.
  • Theft Deterrent System – Cars and trucks that have factory anti-theft systems have a lower chance of being stolen and therefore earn up to a 10% discount.
  • Air Bags and Passive Restraints – Factory options such as air bags and/or automatic seat belt systems could see savings of more than 20%.
  • Pay Early and Save – If you pay your bill all at once instead of making monthly payments you could save 5% or more.
  • Multiple Policy Discount – If you have multiple policies and insure them both with the same insurance company they may give you a discount of at least 10% off all policies.

You can save money using discounts, but most discounts do not apply to the entire cost. A few only apply to specific coverage prices like liability, collision or medical payments. Despite the appearance that it’s possible to get free car insurance, it just doesn’t work that way. Any amount of discount will lower your overall bill.

Companies and a partial list of their discounts are included below.

  • American Family may have discounts that include bundled insurance, good student, air bags, early bird, and TimeAway discount.
  • Nationwide offers discounts for good student, Farm Bureau membership, multi-policy, anti-theft, defensive driving, business or organization, and family plan.
  • MetLife may include discounts for accident-free, good driver, good student, multi-policy, claim-free, defensive driver
  • 21st Century offers discounts including 55 and older, anti-lock brakes, theft prevention, defensive driver, driver training, and early bird.
  • Farmers Insurance offers premium reductions for pay in full, good student, alternative fuel, switch companies, and business and professional.
  • Allstate has discounts for new car, passive restraint, teenSMART discount, multi-policy, premier discount, farm vehicle, and economy car.

If you are trying to find low cost auto insurance quotes, ask all companies you are considering the best way to save money. A few discounts might not be offered in your state. To view providers who offer discounts, enter your zip code here.

Tailor your insurance coverage to you

When choosing the right insurance coverage for your vehicles, there really is no perfect coverage plan. Each situation is unique.

These are some specific questions can aid in determining whether or not you could use an agent’s help.

  • Do I need Motor Club coverage?
  • What discounts do I qualify for?
  • Does my car insurance cover rental cars?
  • Is my Dodge Avenger covered if I use it for business?
  • Is my ex-spouse still covered by my policy?
  • Are my friends covered when driving my 2014 Dodge Avenger?

If you don’t know the answers to these questions but one or more may apply to you, you might consider talking to an insurance agent. If you want to speak to an agent in your area, take a second and enter your zip code.

Learn about insurance coverages for a 2014 Dodge Avenger

Learning about specific coverages of a insurance policy helps when choosing the right coverages for your vehicles. Policy terminology can be impossible to understand and coverage can change by endorsement.

Collision coverage – This covers damage to your Avenger caused by collision with an object or car. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for things like crashing into a building, colliding with a tree, hitting a mailbox and scraping a guard rail. Paying for collision coverage can be pricey, so consider dropping it from older vehicles. It’s also possible to raise the deductible to get cheaper collision coverage.

Uninsured Motorist or Underinsured Motorist insurance – This protects you and your vehicle from other motorists when they are uninsured or don’t have enough coverage. Covered claims include injuries sustained by your vehicle’s occupants and damage to your Dodge Avenger.

Since a lot of drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is important protection for you and your family.

Insurance for medical payments – Coverage for medical payments and/or PIP pay for short-term medical expenses for funeral costs, X-ray expenses, ambulance fees, rehabilitation expenses and nursing services. The coverages can be used to fill the gap from your health insurance policy or if you are not covered by health insurance. It covers you and your occupants and will also cover if you are hit as a while walking down the street. PIP coverage is not available in all states but it provides additional coverages not offered by medical payments coverage

Comprehensive coverage (or Other than Collision) – Comprehensive insurance coverage pays to fix your vehicle from damage that is not covered by collision coverage. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against things like hitting a bird, vandalism, a broken windshield, a tree branch falling on your vehicle and rock chips in glass. The most your insurance company will pay is the market value of your vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Liability – Liability insurance protects you from injuries or damage you cause to other people or property by causing an accident. This coverage protects you against claims from other people, and doesn’t cover damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show limits of 50/100/50 that means you have $50,000 in coverage for each person’s injuries, a limit of $100,000 in injury protection per accident, and a total limit of $50,000 for damage to vehicles and property.

Liability can pay for claims such as bail bonds, repair bills for other people’s vehicles and funeral expenses. How much liability coverage do you need? That is up to you, but you should buy as much as you can afford.

What is YOUR best insurance company?

The cheapest 2014 Dodge Avenger insurance is available both online in addition to local insurance agencies, so get free auto insurance quotes from both of them in order to have the best chance of saving money. Some companies may not have online rate quotes and many times these smaller companies only sell coverage through local independent agencies.

When buying insurance coverage, do not buy poor coverage just to save money. There have been many cases where an insured dropped uninsured motorist or liability limits only to regret they didn’t purchase enough coverage. The goal is to get the best coverage possible at the best cost, not the least amount of coverage.

People leave their current company for any number of reasons including poor customer service, delays in responding to claim requests, high prices and even policy non-renewal. It doesn’t matter what your reason, switching auto insurance companies can be easy and end up saving you some money.

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