Compare Dodge Avenger Insurance Rate Quotes in Honolulu

Discount Dodge Avenger insuranceHas it been over a year since you last compared quotes for more competitive Dodge Avenger insurance in Honolulu? There isn’t anyone who fancies paying their premiums for car insurance, especially when the cost is way too high.

It’s an obvious conclusion that car insurance companies don’t want policyholders to compare prices from other companies. People who get comparison quotes at least once a year are likely to switch car insurance companies because there is a significant possibility of finding a cheaper policy. A recent survey discovered that drivers who made a habit of comparing rates saved an average of $3,450 over four years as compared to drivers who never shopped around.

If saving the most money on auto insurance is your ultimate objective, then having some knowledge of how to get price quotes and compare insurance premiums can save time, money, and frustration.

Steps to finding the cheapest rates for Dodge Avenger insurance in Honolulu

If saving money is your primary concern, then the best way to get the cheapest Dodge Avenger insurance is to start doing an annual price comparison from insurers that insure vehicles in Honolulu.

  1. Take a little time to learn about car insurance and the measures you can take to keep rates low. Many rating factors that increase rates like traffic violations, accidents, and poor credit history can be amended by making lifestyle changes or driving safer.
  2. Request price quotes from independent agents, exclusive agents, and direct companies. Direct and exclusive agents can provide rates from a single company like GEICO or Allstate, while independent agents can give you price quotes from multiple insurance companies.
  3. Compare the new quotes to the price on your current policy to see if switching to a new carrier will save money. If you find a lower rate, make sure coverage is continuous and does not lapse.
  4. Provide notification to your current agent or company to cancel your current auto insurance policy and submit a completed application and payment for your new policy. Be sure to place the new proof of insurance certificate with your vehicle’s registration.

The most important part of this process is to try to compare identical deductibles and limits on every price quote and and to get price quotes from every company you can. Doing this enables an accurate price comparison and the best price selection.

Insurance companies such as State Farm, GEICO and Farmers Insurance persitently shower you with TV and radio ads and consumers find it hard to see through the deception and take the time to shop coverage around.

It’s a great practice to get comparison quotes as often as possible because car insurance prices are variable and change quite frequently. Even if you think you had the best rate on Dodge Avenger insurance in Honolulu six months ago you may be paying too much now. Ignore everything you know about car insurance because I’m going to let you in on the secrets to the proper way to reduce your cost while improving coverage.

To get low cost Honolulu car insurance quotes, there a variety of ways to obtain and compare prices from companies that offer insurance in Hawaii. The best method to compare rates is to get quotes online.

Comparing free quotes online is easy and it, replaces the need to drive to all the different insurance agencies. The ability to get quotes online eliminates this option unless you’re the type of person who wants the professional advice of an agent trained in personal lines coverage. If you prefer, some companies allow you to comparison shop your insurance online and have a local agent actually service the policy. Just keep in mind that comparing all the rates in your area helps you find the best rates. Some regional insurers cannot provide online Honolulu Avenger insurance quotes, so you need to compare rates from the smaller companies as well.

The companies in the list below are our best choices to provide comparison quotes in Honolulu, HI. If the list has multiple companies, we suggest you visit several of them in order to get a fair rate comparison.

Rates and data analysis

The information shown below covers detailed analysis of insurance coverage prices for Dodge Avenger models. Knowing how insurance prices are figured can assist in making decisions when choosing a new policy provider.

Dodge Avenger Insurance Rates in Honolulu, HI
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Avenger Express $200 $468 $362 $22 $108 $1,160 $97
Avenger R/T $200 $468 $362 $22 $108 $1,160 $97
Avenger SXT $200 $468 $362 $22 $108 $1,160 $97
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Prices above based on single male driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and Hawaii minimum liability limits. Discounts applied include multi-vehicle, safe-driver, multi-policy, homeowner, and claim-free. Premium costs do not factor in garaging location in Honolulu which can lower or raise auto insurance rates substantially.

Policy deductible comparison

A question often asked by Honolulu drivers is at what level do you set your deductibles. The following insurance rates may help to illustrate the price difference when you buy lower versus higher coverage deductibles. The first rate estimation uses a $100 deductible and the second rate chart uses a $1,000 deductible.

Dodge Avenger insurance with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Avenger Express $228 $484 $300 $18 $90 $1,145 $95
Avenger R/T $228 $484 $300 $18 $90 $1,145 $95
Avenger SXT $228 $484 $300 $18 $90 $1,145 $95
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Dodge Avenger insurance with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Avenger Express $126 $256 $300 $18 $90 $790 $66
Avenger R/T $126 $256 $300 $18 $90 $790 $66
Avenger SXT $126 $256 $300 $18 $90 $790 $66
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Data rating is based on married male driver age 30, no speeding tickets, no at-fault accidents, and Hawaii minimum liability limits. Discounts applied include claim-free, multi-policy, multi-vehicle, homeowner, and safe-driver. Estimates do not factor in specific garaging location which can raise or lower price quotes significantly.

Using the data above, we can ascertain that using a $100 deductible costs approximately $29 more each month or $348 every year averaged for all Avenger models than buying the higher $1,000 deductible. Because you would be required to pay $900 more if you turn in a claim with a $1,000 deductible as compared to a $100 deductible, if you normally go at a minimum 31 months between claim filings, you would more than likely save some money by selecting a higher deductible. The illustration below shows an example of how you can decide this on your own policy.

Average monthly premium for $100 deductibles: $95
Average monthly premium for $1,000 deductibles (subtract): – $66
Monthly savings from raising deductible: $29
Difference between deductibles ($1,000 – $100): $900
Divide difference by monthly savings: $900 / $29
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 31 months

The information below shows how choosing a deductible and can influence Dodge Avenger yearly insurance costs for different age groups. Data assumes a married female driver, full physical damage coverage, and no discounts are applied.

Insurance premiums based on gender

The information below illustrates the comparison of Dodge Avenger car insurance rates for male and female drivers. The rates are based on a clean driving record, no claims, full coverage, $1,000 deductibles, marital status is single, and no discounts are factored in.

Comparison of full coverage and liability-only policies

The example below visualizes the comparison of Dodge Avenger insurance rates with and without physical damage coverage, medical payments, and uninsured/under-insured motorist coverage. The premiums are based on no claims or driving violations, $500 deductibles, drivers are single, and no discounts are taken into consideration.

When to switch to liability coverage only

There is no clear-cut formula to drop full coverage on your policy, but there is a general guideline you can use. If the yearly cost of comp and collision coverage is 10% or more of any settlement you would receive from your insurance company, then it may be the right time to buy liability only.

For example, let’s pretend your Dodge Avenger book value is $9,000 and you have $1,000 policy deductibles. If your vehicle is totaled in an accident, the most you would receive is $8,000 after you pay the deductible. If premiums are more than $800 annually for full coverage, then it might be time to consider dropping full coverage.

There are a few cases where dropping full coverage is not advised. If you still have a lienholder on your title, you have to keep full coverage in order to satisfy the requirements of the loan. Also, if you don’t have enough money to buy a different vehicle if your current one is damaged, you should not eliminate full coverage.

Insuring your Dodge Avenger just makes sense

Despite the high insurance cost for a Dodge Avenger in Honolulu, insurance may be required and benefits you in several ways.

The benefits of insuring your Avenger outweigh the cost, particularly if you ever have a claim. Today the average American driver is currently overpaying as much as $855 a year so you should quote and compare rates at every renewal to ensure rates are competitive.

Get Cheap Insurance Prices by Understanding These Factors

An important part of buying insurance is that you know the factors that play a part in calculating your premiums. When consumers understand what determines base rates, this enables you to make decisions that could help you find big savings.

Prevent theft and reduce auto insurance rates – Choosing to buy a car with an alarm system can earn a premium discount. Theft prevention features such as GM’s OnStar, tamper alarm systems and vehicle immobilizers can thwart your vehicle from being stolen.

Good drivers pay lower premiums – Good drivers get better rates compared to bad drivers. Getting just one ticket can increase rates twenty percent or more. Drivers who have license-revoking tickets like DUI, reckless driving or excessive speeding are required to file a SR-22 with the DMV in their state in order to prevent a license revocation.

The chart below illustrates how speeding tickets and at-fault claims can impact Dodge Avenger insurance rates for each age group. The data assumes a single female driver, comp and collision included, $250 deductibles, and no discounts are factored in.

Don’t cancel your policy without a new one in place – Having a lapse in insurance coverage is a fast way to pay more for auto insurance. In addition to paying higher premiums, failure to provide proof of insurance may result in fines or a revoked license.

Insure your auto and home with one company – The majority of companies afford better rates to clients who have multiple policies with them, otherwise known as a multi-policy discount. Even with this discount, you still need to compare other Honolulu Avenger insurance rates to help ensure you have the lowest rates.There is a good possibility that you can save money even if you have your coverage with different companies

Best car insurance company in Hawaii

Buying coverage from the right auto insurance company can be a challenge considering how many choices there are in Hawaii. The ranking data listed below can help you decide which car insurance providers to look at comparing price quotes from.

Best Car Insurance Companies in Hawaii
Company Value Customer Service Claims Customer Satisfaction A.M Best Rating Overall Score
USAA 98 100 100 94% A++ 98.6
American Family 98 89 100 86% A 95.4
State Farm 88 93 96 90% A++ 92.4
The Hartford 94 92 90 89% A+ 91.7
AAA Insurance 88 89 95 91% A 91.2
GEICO 84 93 93 89% A++ 90.3
Progressive 84 91 93 87% A+ 89.5
Allstate 85 90 92 88% A+ 89.3
Nationwide 87 88 84 90% A+ 88.7
Liberty Mutual 84 87 93 88% A 88.5
Esurance 85 80 95 87% A+ 85.9
Safeco 85 85 85 86% A 85.8
Farmers Insurance 78 87 88 79% A 84.3
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Data Source: Best Car Insurance Companies

Don’t give up on cheap rates

There are still a few companies who may not offer internet price quotes and these smaller providers only sell through independent insurance agencies. Budget-conscious Dodge Avenger insurance can be found online and from local agencies, so you need to compare both to have the best chance of lowering rates.

You just read quite a bit of information on how to reduce Dodge Avenger insurance car insurance rates online in Honolulu. The key concept to understand is the more providers you compare, the higher the chance of saving money. Drivers may even discover the lowest car insurance rates come from some of the lesser-known companies. These smaller insurers may cover specific market segments cheaper compared to the large companies like State Farm or Progressive.

How to buy lower priced Dodge Avenger insurance in Honolulu

Really, the only way to get more affordable car insurance rates is to make a habit of comparing prices annually from insurers in Honolulu.

The most important part of shopping around is to use the same coverage limits and deductibles on each quote request and and to get price estimates from every insurance company. This helps ensure the most accurate price comparison and a complete rate analysis.

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