Cheap Insurance for a Dodge Avenger in San Francisco

Feeling guilty for buying high-priced Dodge Avenger insurance in San Francisco? Trust us, many San Francisco drivers feel the same as you.

Insurance rates Dodge Avenger in San FranciscoIt’s well known that auto insurance companies want to prevent you from shopping around. People who get price quotes annually will probably switch auto insurance companies because they stand a good chance of finding lower rate quotes. A recent auto insurance study discovered that consumers who regularly compared price quotes saved $865 annually compared to people who don’t regularly compare prices.

If finding discount rates on insurance is your ultimate objective, then learning about the best way to quote and compare cheaper coverage can make the process more efficient.

How to find more affordable Dodge Avenger insurance in San Francisco

To save the most money, the best way to get budget Dodge Avenger insurance in San Francisco is to compare quotes once a year from insurance carriers that sell auto insurance in California.

Step 1: Get an understanding of policy coverages and the steps you can take to keep rates down. Many rating factors that cause high rates such as accidents, traffic tickets, and poor credit rating can be rectified by being financially responsible and driving safely.

Step 2: Compare prices from direct, independent, and exclusive agents. Direct and exclusive agents can only give rate quotes from one company like GEICO or Allstate, while independent agencies can provide rate quotes for a wide range of companies. Find a San Francisco insurance agent

Step 3: Compare the price quotes to your existing coverage to see if switching to a new carrier will save money. If you find a lower rate quote, ensure there is no coverage lapse between policies.

Step 4: Notify your company or agent to cancel your current car insurance policy. Submit a down payment along with a completed application for the new coverage. Once the application is submitted, safely store the certificate verifying proof of insurance in an easily accessible location in your vehicle.

One key aspect when comparing rates is to try to use similar coverage information on every price quote and and to get quotes from as many car insurance companies as possible. This ensures a level playing field and a good representation of prices.

Multiple insurance companies compete for your insurance dollar, so it’s not easy to compare every provider to find the absolute best rates possible on Dodge Avenger insurance in San Francisco.

It’s smart to do rate comparisons at least once a year since insurance rates change frequently. Even if you got the best rate on Dodge Avenger insurance in San Francisco last year there may be better deals available now. Ignore everything you know about auto insurance because you’re going to get a crash course in the proper way to lower your annual insurance bill.

Most larger insurance companies like State Farm, Allstate and GEICO make it easy to get prices on their websites. Getting online quotes for Dodge Avenger insurance in San Francisco is pretty painless as you simply enter the coverage amounts you desire as requested by the quote form. After you submit the form their rating system collects your driving record and credit report and returns a price quote determined by many factors. This streamlines rate comparisons, and it’s very important to have as many quotes as possible if you want to get the best possible rates on auto insurance.

To find out what other companies charge, check out the auto insurance providers below. If you have coverage now, it’s recommended you duplicate your coverages just like they are on your policy. This ensures you will get a price comparison for the exact same coverage.

The car insurance companies shown below have been selected to offer price quotes in California. If multiple companies are listed, we suggest you visit two to three different companies to find the most affordable car insurance rates.

Cheaper Dodge Avenger insurance rates in San Francisco

Companies that sell car insurance don’t list all their discounts very well, so here is a list a few of the more common and also the more inconspicuous savings tricks you should be using when you buy San Francisco car insurance online.Discount auto insurance

Policy discounts save money, but most discount credits are not given to the whole policy. Some only apply to the cost of specific coverages such as collision or personal injury protection. So when the math indicates adding up those discounts means a free policy, companies wouldn’t make money that way.

The example below illustrates the difference between Dodge Avenger car insurance costs with and without discounts applied to the rates. The rate quotes are based on a male driver, no violations or accidents, California state minimum liability limits, comp and collision included, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with claim-free, multi-car, safe-driver, multi-policy, marriage, and homeowner discounts applied.

To see insurance companies with the best discounts in California, click here to view.

Rates and other information

The premium information below showcases detailed analysis of coverage prices for Dodge Avenger models. Having knowledge of how insurance prices are calculated can be useful when making informed decisions when shopping around for a new policy.

Dodge Avenger Insurance Rates in San Francisco, CA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Avenger Express $334 $780 $604 $36 $180 $1,934 $161
Avenger R/T $334 $780 $604 $36 $180 $1,934 $161
Avenger SXT $334 $780 $604 $36 $180 $1,934 $161
Get Your Own Custom Quote Go

Cost estimates assume single male driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and California minimum liability limits. Discounts applied include multi-vehicle, homeowner, multi-policy, safe-driver, and claim-free. Premium amounts do not factor in garaging location in San Francisco which can affect prices significantly.

Physical damage deductibles: Should you raise them?

When shopping for insurance, a common question is at what level do you set your deductibles. The comparisons below highlight the rate differences when you choose different insurance deductibles. The first set of prices uses a $250 comprehensive and collision deductible and the second rate chart uses a $1,000 deductible.

Dodge Avenger insurance policy rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Avenger Express $342 $678 $500 $30 $150 $1,725 $144
Avenger R/T $342 $678 $500 $30 $150 $1,725 $144
Avenger SXT $342 $678 $500 $30 $150 $1,725 $144
Get Your Own Custom Quote Go

Dodge Avenger insurance policy rates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Avenger Express $210 $426 $500 $30 $150 $1,316 $110
Avenger R/T $210 $426 $500 $30 $150 $1,316 $110
Avenger SXT $210 $426 $500 $30 $150 $1,316 $110
Get Your Own Custom Quote Go

Table data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include multi-vehicle, safe-driver, claim-free, multi-policy, and homeowner. Table data does not factor in San Francisco location which can revise premiums significantly.

Based on these figures, using a $250 deductible costs approximately $34 more each month or $408 for a full year across all Dodge Avenger models than requesting the higher $1,000 deductible. Since the policyholder would be required to pay $750 more to file a claim with a $1,000 deductible as compared to a $250 deductible, if you usually have more than 22 months between claim filings, you would most likely save money if you elect the higher deductible.

The chart below demonstrates how choosing different deductibles and can affect Dodge Avenger insurance costs for different ages of insureds. The rate quotes are based on a married female driver, full physical damage coverage, and no discounts are applied.

Bad driving habits will cost you more

The information below demonstrates how speeding tickets and fender-benders raise Dodge Avenger insurance premiums for different insured age categories. Data assumes a married female driver, comprehensive and collision coverage, $100 deductibles, and no discounts are factored in.