If you are new to online price comparisons, chances are good that you are confused because of the huge number of companies all promising to save you money.
Steps to buying low-cost Dodge Avenger insurance in Corpus Christi
The easiest way to find cheaper Dodge Avenger insurance is to compare prices at least once a year from providers who can sell car insurance in Corpus Christi. You can compare rates by completing these steps.
- Step 1: Try to understand auto insurance and the things you can change to keep rates down. Many rating factors that cause high rates such as speeding tickets, accidents and poor credit can be rectified by improving your driving habits or financial responsibility.
- Step 2: Request rate estimates from exclusive agents, independent agents, and direct providers. Exclusive and direct companies can only quote rates from one company like GEICO or State Farm, while independent agents can give you price quotes from multiple insurance companies. Select a company
- Step 3: Compare the new rate quotes to your existing coverage and see if there is a cheaper rate in Corpus Christi. If you find a lower rate and buy the policy, make sure there is no lapse in coverage.
- Step 4: Give proper notification to your current agent or company of your decision to cancel your current car insurance policy and submit the signed application along with the required initial payment for your new coverage. When you receive it, keep the new certificate of insurance in your vehicle.
One piece of advice is to compare identical coverages on each price quote and and to get rates from as many auto insurance providers as possible. Doing this helps ensure a level playing field and the best rate selection.
It’s well known that insurance companies want to keep you from shopping around. Insureds who shop around for cheaper prices are inclined to buy a different policy because there is a great chance of finding discount prices. A recent study showed that people who regularly shopped around saved $865 annually compared to drivers who never shopped around for cheaper prices.
If finding the best rates on car insurance in Corpus Christi is the reason you’re reading this, learning the best way to quote and compare insurance premiums can save time, money, and frustration.
Consumers should take time to do price comparisons once or twice a year because insurance rates are usually higher with each renewal. Just because you found the lowest premium rates on Dodge Avenger insurance in Corpus Christi at your last renewal you may be paying too much now. There is a lot of bad advice regarding Avenger insurance online but we’re going to give you some proven techniques to save money.
When comparison shopping, there are several ways of comparing rates from lots of Texas insurance companies. The easiest way by far to find competitive insurance rates is to perform an online rate comparison.
When comparison shopping, obtaining a wide range of quotes helps increase your odds of locating more affordable insurance. Some smaller insurers do not give online rate quotes, so it’s important to compare price quotes from the smaller companies as well.
The companies shown below are ready to provide free rate quotes in Texas. If multiple companies are listed, we suggest you click on several of them in order to get a fair rate comparison.
Facts and figures for Dodge Avenger insurance
The premium information shown below covers different coverage costs for Dodge Avenger models. Learning as much as possible about how car insurance prices are established can benefit drivers when making smart choices when comparing insurance quotes.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Avenger Express | $282 | $660 | $560 | $34 | $168 | $1,704 | $142 |
| Avenger R/T | $282 | $660 | $560 | $34 | $168 | $1,704 | $142 |
| Avenger SXT | $282 | $660 | $560 | $34 | $168 | $1,704 | $142 |
| Get Your Own Custom Quote Go | |||||||
Cost estimates assume single female driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and Texas minimum liability limits. Discounts applied include multi-vehicle, homeowner, claim-free, multi-policy, and safe-driver. Premium costs do not factor in the specific area where the vehicle is garaged which can affect prices substantially.
Physical damage deductibles
One of the hardest decisions when shopping for auto insurance is how low should you set your deductibles. The tables below may help you to understand the differences in price when you choose different deductibles. The first rate estimation uses a $100 deductible for comprehensive and collision coverage and the second set of prices uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Avenger Express | $328 | $698 | $430 | $26 | $128 | $1,635 | $136 |
| Avenger R/T | $328 | $698 | $430 | $26 | $128 | $1,635 | $136 |
| Avenger SXT | $328 | $698 | $430 | $26 | $128 | $1,635 | $136 |
| Get Your Own Custom Quote Go | |||||||
| 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 |
| Get Your Own Custom Quote Go | |||||||
Data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include multi-policy, claim-free, multi-vehicle, safe-driver, and homeowner. Rates do not factor in specific location information which can decrease or increase coverage prices significantly.
Based on this data, we can arrive at the conclusion that using a $100 deductible will cost you approximately $28 more each month or $336 for a full year than buying the higher $500 deductible. Because you would be required to pay $400 more out of your own pocket with a $500 deductible as compared to a $100 deductible, if you tend to average more than 14 months between claim filings, you would probably be better off if you choose a higher deductible. Below is a better example of how you can do this calculation yourself.
| Average monthly premium for $100 deductibles: | $136 |
| Average monthly premium for $500 deductibles (subtract): | – $108 |
| Monthly savings from raising deductible: | $28 |
| Difference between deductibles ($500 – $100): | $400 |
| Divide difference by monthly savings: | $400 / $28 |
| Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible | 14 months |
An important thing to remember is that raising deductibles to get cheaper rates results in a higher out-of-pocket expense at claim time. It will be required that you have enough extra savings in the event you need to pay the higher deductible.
Auto insurance rates by gender and age in Corpus Christi
The chart below shows the comparison of Dodge Avenger yearly insurance costs for male and female drivers. The premiums assume no violations or accidents, full coverage, $500 deductibles, drivers are single, and no additional discounts are factored in.
Full coverage rates vs. liability-only
The diagram below illustrates the comparison of Dodge Avenger insurance prices with full physical damage coverage and with liability coverage only. The rates are based on no claims or driving violations, $100 deductibles, drivers are single, and no discounts are taken into consideration.
When to stop buying full coverage
There is no clear-cut formula of when to exclude physical damage coverage on your policy, but there is a broad guideline. If the yearly cost of full coverage is 10% or more of replacement cost minus your deductible, then you may want to consider only buying liability coverage.
For example, let’s say your Dodge Avenger replacement value is $4,000 and you have $1,000 full coverage deductibles. If your vehicle is destroyed, the most you would get paid by your company is $3,000 after the deductible is paid. If it’s costing in excess of $300 a year for comprehensive and collision coverage, then you may want to consider only buying liability coverage.
There are some conditions where only buying liability is not financially feasible. If you haven’t paid off your loan, you are required to maintain full coverage in order to satisfy the requirements of the loan. Also, if you can’t afford to buy a different vehicle if your current one is totaled, you should keep full coverage in place.
Auto insurance policy discounts for Dodge Avenger insurance in Corpus Christi
Companies offering auto insurance don’t always advertise all their discounts in an easy-to-find place, so the list below contains some of the best known and also the lesser-known discounts you could be receiving when you buy Corpus Christi car insurance online.
- Waiver for an Accident – Not a discount per se, but certain companies permit an accident before they charge you more for coverage if you are claim-free for a specific time period.
- Auto/Home Discount – When you have multiple policies with the same company you may save 10% to 20% off each policy.
- Anti-lock Brakes – Cars with anti-lock braking systems prevent accidents and earn discounts up to 10%.
- Buy New and Save – Adding a new car to your policy can get you a discount because newer models keep occupants safer.
- Senior Citizen Discount – If you qualify as a senior citizen, you may qualify for a small decrease in premiums.
- No Accidents – Drivers who don’t have accidents get the best auto insurance rates when compared to bad drivers.
- Professional Organizations – Having an affiliation with qualifying clubs or civic groups can get you a small discount on auto insurance.
- Onboard Data Collection – Corpus Christi drivers who agree to allow their auto insurance company to analyze where and when they drive by using a telematic data system like In-Drive from State Farm and Progressive’s Snapshot could possibly reduce rates if they exhibit good driving behavior.
Consumers should know that most discounts do not apply to the overall cost of the policy. Most only reduce individual premiums such as medical payments or collision. Just because it seems like you could get a free auto insurance policy, companies don’t profit that way.
The example below illustrates the difference between Dodge Avenger insurance premiums with and without discounts applied to the rates. The premium estimates are based on a female driver, no claims or driving citations, Texas state minimum liability limits, full coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with claim-free, marriage, multi-car, safe-driver, homeowner, and multi-policy discounts applied.
Some companies that possibly offer these discounts include:
When getting a coverage quote, ask every prospective company which credits you are entitled to. Some credits may not apply to policies in Corpus Christi. To find companies that offer many of these discounts in Texas, click here.
Three reasons car insurance is important
Despite the potentially high cost of Dodge Avenger insurance, insurance serves a purpose in several ways.
- Just about all states have mandatory liability insurance requirements which means you are required to buy a specific level of liability protection in order to drive the car legally. 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.
- If your Avenger has a lienholder, more than likely the lender will require that you have full coverage to ensure loan repayment if the vehicle is totaled. If coverage lapses or is canceled, the bank or lender will purchase a policy for your Dodge at a more expensive rate and require you to reimburse them for the expensive policy.
- Insurance protects not only your vehicle but also your financial assets. It also can pay for most medical and hospital costs incurred in an accident. Liability insurance also pays for attorney fees and expenses if anyone sues you for causing an accident. If your car is damaged in a storm or accident, comprehensive and collision coverage will pay all costs to repair after the deductible has been paid.
The benefits of buying car insurance more than offset the price you pay, particularly when you have a large claim. As of last year, the average driver in Texas is currently overpaying as much as $825 a year so it’s very important to do a rate comparison each time the policy renews to help ensure money is not being wasted.
You may require the services of a local insurance agent
Some people just want to get advice from a local agent and that is not a bad decision An additional benefit of comparing auto insurance online is you may find cheap rate quotes and still buy from a local agent. And providing support for local insurance agents is important especially in Corpus Christi.
By using this form (opens in new window), your insurance data is transmitted to insurance agents in Corpus Christi who will give you quotes for your insurance coverage. You never need to visit any agencies because quoted prices will be sent instantly to you. Get lower rates without a big time investment. If you have a need to get a rate quote from one company in particular, you would need to jump over to their website and fill out their quote form.
Exclusive agents vs. Independent agents
If you need to find a local insurance agency, you must know there are a couple types of agencies and how they function. Agencies in Corpus Christi are categorized either independent (non-exclusive) or exclusive.
Independent Agents (or Brokers)
Agents of this type do not have single company limitations so they can insure your vehicles with lots of companies and potentially find a lower price. If premiums increase, your policy is moved internally without you having to go to a different agency.
When comparing rates, you need to check rates from independent agents to have the best price comparison. Many can place coverage with small mutual carriers which could offer lower prices.
The following is a small list of independent agencies in Corpus Christi who may provide free price quotes.
- Trinity Insurance
4439 Gollihar Rd – Corpus Christi, TX 78411 – (361) 854-8600 – View Map - All American Hallmark Ins
4510 Weber Rd a – Corpus Christi, TX 78411 – (361) 993-6643 – View Map - Alliance Insurance Agency, Inc.
13310 Leopard St #4 – Corpus Christi, TX 78410 – (361) 241-3303 – View Map
Exclusive Auto Insurance Agents
Agents that choose to be exclusive normally can only provide a single company’s rates such as Allstate, State Farm and Farm Bureau. Exclusive agents cannot provide other company’s prices so it’s a take it or leave it situation. Exclusive agents are usually quite knowledgeable on the products they sell which can be an advantage. Many people buy from the same agent for years mostly because of the brand legacy instead of buying on price only.
The following are Corpus Christi exclusive insurance agents that can give you rate quotes.
- Farmers Insurance – Jack Alspaugh
5922 Yorktown Blvd, Bldg 2, Corpus Christi 78414 – Bldg 2, TX 78414 – (361) 232-4717 – View Map - Sam Watson – State Farm Insurance Agent
4818 Shopping Way A – Corpus Christi, TX 78411 – (361) 852-6600 – View Map - Allstate Insurance: Donald Morrison
4535 S Padre Island Dr Ste 37 – Corpus Christi, TX 78411 – (361) 854-2383 – View Map
Choosing a insurance agency needs to be determined by more than just the bottom line cost. Agents should be asked these questions:
- Is their price quote a firm figure or are their hidden costs?
- Are aftermarket or OEM parts used to repair vehicles?
- Do they prorate repair cost based on vehicle mileage?
- How long has their agency been open in Corpus Christi?
- Will you work with the agent or an assistant?
- Do they have adequate Errors and Omissions coverage? This protects you if they make a mistake.
After receiving acceptable answers to any questions you have and a low price estimate, you may have just found an insurance agent that can be trusted to service your policy. Just remember you have the power to cancel your policy whenever you wish so never feel that you’re stuck with a specific agent for the full policy term.