Are you burned out from scraping nickels together to pay high car insurance rates every month? You are in the same boat as many other Texas consumers.

Insurance quote for Dodge Avenger in DallasSurprisingly, a recent survey revealed that most consumers have been with the same company for at least the last four years, and virtually 40% of consumers have never compared rates to find lower-cost insurance. Drivers in Texas can save hundreds of dollars each year, but they won't spend time to find lower-cost rates by getting comparison quotes.

Online insurance companies like State Farm, Progressive and GEICO continually hit you with fancy advertisements and it is difficult to ignore the propaganda and effectively compare rates to find the best deal.

The majority of larger companies such as Progressive, GEICO, Allstate and State Farm give insurance quotes on their websites. Comparing prices online for Dodge Avenger insurance in Dallas is easy for anyone because you just enter your coverage information on the page. After the form is submitted, their rating system requests credit information and your driving record and returns a price. This makes it a lot easier to compare rates and it's necessary to get many rate quotes if you are searching for the most affordable premium on auto insurance.

To find out if lower rates are available, check out the auto insurance providers below. To compare your current rates, we recommend you copy the insurance coverages as shown on your current policy. This helps ensure you will have a rate comparison using the exact same coverages.

The following companies provide price comparisons in Texas. If your goal is to find cheap auto insurance in TX, we suggest you click on several of them to get a more complete price comparison.

Dodge Avenger Insurance Rate Estimates in Dallas, TX
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Avenger Express $142 $312 $414 $24 $124 $1,016 $85
Avenger R/T $374 $698 $564 $34 $168 $1,838 $153
Avenger SXT $282 $684 $452 $26 $136 $1,580 $132
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Data based on married female driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and Texas minimum liability limits. Discounts applied include homeowner, multi-vehicle, claim-free, multi-policy, and safe-driver. Table data does not factor in garaging location in Dallas which can revise coverage prices greatly.

Comparison of policy deductibles

When comparing auto insurance rates, the most common question is how low should you set your deductibles. The premium rates below help summarize the differences in price when you choose different physical damage deductibles. The first table uses a $250 deductible for comp and collision and the second rate table uses a $500 deductible.

Dodge Avenger insurance rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Avenger Express $294 $584 $430 $26 $128 $1,487 $124
Avenger R/T $294 $584 $430 $26 $128 $1,487 $124
Avenger SXT $294 $584 $430 $26 $128 $1,487 $124
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Dodge Avenger insurance rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Avenger Express $240 $472 $430 $26 $128 $1,296 $108
Avenger R/T $240 $472 $430 $26 $128 $1,296 $108
Avenger SXT $240 $472 $430 $26 $128 $1,296 $108
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Above prices assume married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include multi-policy, claim-free, homeowner, safe-driver, and multi-vehicle. Table data does not factor in Dallas location which can modify coverage rates considerably.

Based on these figures, using a $250 deductible costs roughly $16 more each month or $192 a year than quoting the higher $500 deductible. Because you would be required to pay $250 more if you file a claim with a $500 deductible as compared to a $250 deductible, if you tend to go more than 16 months between claim filings, you would probably be better off if you decide on a higher deductible. Here's a better example of how we made this calculation.

Average monthly premium for $250 deductibles: $124
Average monthly premium for $500 deductibles (subtract): - $108
Monthly savings from raising deductible: $16
Difference between deductibles ($500 - $250): $250
Divide difference by monthly savings: $250 / $16
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 16 months

Driving violations and accidents

The chart below shows how traffic citations and at-fault fender-benders can increase Dodge Avenger car insurance costs for each different age category. The premiums are based on a single female driver, comp and collision included, $1,000 deductibles, and no discounts are taken into consideration.

Cheaper rates with these seven discounts

Not too many consumers would say insurance is affordable, but you might find some hidden discounts to help offset the cost. A few discounts will be applied at the time of purchase, but a few need to be specifically requested in order for you to get them.Discount insurance

Remember that many deductions do not apply to your bottom line cost. Most only cut the cost of specific coverages such as collision or personal injury protection. If you do the math and it seems like you can get free auto insurance, nobody gets a free ride.

Popular insurance companies and their possible discounts include:

It's a good idea to ask all the companies which credits you are entitled to. Some of the earlier mentioned discounts might not be offered in your state. If you would like to view companies that offer many of these discounts in Texas, click here.

Here's why insurance is not optional

Even though it can be expensive, insuring your vehicle is required in Texas but also provides important benefits.

First, almost all states have compulsory liability insurance requirements which means the state requires a specific minimum amount of liability protection in order to drive the car. In Texas these limits are 30/60/25 which means you must have $30,000 of bodily injury coverage per person, $60,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.

Second, if your Dodge Avenger has a loan, it's guaranteed your bank will require that you buy full coverage to guarantee payment of the loan. If you default on your policy, the lender will be forced to insure your Dodge for a much higher rate and make you pay for the much more expensive policy.

Third, insurance protects both your assets and your Dodge Avenger. It will also cover medical transport and hospital expenses for you, your passengers, and anyone else injured in an accident. Liability coverage, the one required by state law, will also pay to defend you if anyone sues you for causing an accident. If your Dodge gets damaged, your policy will pay to repair the damage minus the deductible amount.

The benefits of insuring your car definitely exceed the cost, specifically if you ever have a liability claim. But the average American driver is currently overpaying as much as $850 per year so shop around every year to save money.

Buying insurance from Dallas insurance agents

A lot of people still like to visit with an insurance agent and we recommend doing that One of the best bonuses of comparing rates online is that drivers can save money and get lower rates and still have an agent to talk to. Putting coverage with neighborhood agents is definitely important in Dallas.

Insurance agents in DallasTo help locate an agent, after submitting this short form, your insurance data is emailed to participating agents in Dallas who want to provide quotes for your coverage. It makes it easy because there is no need to leave your computer because quoted prices will be sent immediately to your email address. You can get cheaper insurance rates and a licensed agent to work with. In the event you want to get a price quote from a specific insurance provider, don't hesitate to visit that company's website and complete a quote there.

Listed below is a short list of auto insurance companies in Dallas that may be able to provide comparison quotes for Dodge Avenger insurance in Dallas.

9543 Losa Dr #111 - Dallas, TX 75218 - (214) 327-9315 - View Map

8330 Abrams Rd #104 - Dallas, TX 75243 - (214) 341-3050 - View Map

9661 Audelia Rd #111 - Dallas, TX 75238 - (214) 328-8282 - View Map

12160 Abrams Rd - Dallas, TX 75243 - (972) 234-5588 - View Map

View more Dallas agents

Choosing an provider needs to be determined by more than just a cheap price. These are some questions your agent should answer.

Once you have received positive feedback to these questions and locked in a price quote, you may have found an provider that is reliable enough to service your policy. Just keep in mind it's your coverage and you can cancel a policy whenever you want so don't think you're contractually obligated to the insurance policy for the entire policy term.

Auto insurance coverages explained

Understanding the coverages of a auto insurance policy can help you determine which coverages you need and the correct deductibles and limits. The terms used in a policy can be impossible to understand and nobody wants to actually read their policy. Shown next are typical coverage types found on most auto insurance policies.

Medical payments coverage and PIP - Med pay and PIP coverage kick in for immediate expenses such as ambulance fees, funeral costs and prosthetic devices. They are often utilized in addition to your health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover you and your occupants and also covers getting struck while a pedestrian. PIP coverage is not available in all states and gives slightly broader coverage than med pay

Uninsured/Underinsured Motorist coverage - Your UM/UIM coverage protects you and your vehicle from other drivers 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.

Due to the fact that many Texas drivers carry very low liability coverage limits (30/60/25), it doesn't take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage should not be overlooked. Frequently the UM/UIM limits do not exceed the liability coverage limits.

Collision coverage - Collision coverage covers damage to your Avenger resulting from colliding with a stationary object or other vehicle. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision can pay for things such as backing into a parked car, crashing into a building, rolling your car, colliding with a tree and sustaining damage from a pot hole. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are 8 years or older. It's also possible to increase the deductible on your Avenger to save money on collision insurance.

Auto liability insurance - Liability insurance will cover injuries or damage you cause to other people or property that is your fault. Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show policy limits of 30/60/25 which means a limit of $30,000 per injured person, $60,000 for the entire accident, and a limit of $25,000 paid for damaged property. Some companies may use a combined limit which limits claims to one amount without having the split limit caps.

Liability coverage protects against things like funeral expenses, attorney fees, loss of income, repair bills for other people's vehicles and emergency aid. How much liability coverage do you need? That is a decision to put some thought into, but it's cheap coverage so purchase as much as you can afford. Texas state minimum liability requirements are 30/60/25 but you should think about purchasing more liability than the minimum.

Comprehensive coverage - This pays for damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against things like a tree branch falling on your vehicle, a broken windshield, hitting a bird and vandalism. The highest amount a auto insurance company will pay at claim time is the market value of your vehicle, so if it's not worth much more than your deductible it's probably time to drop comprehensive insurance.