Cheapest Insurance for a Dodge Avenger in Columbus

It goes without saying that insurance companies don’t want you to look for cheaper rates. Consumers who shop rates annually will probably buy a different policy because there is a good chance of finding a policy with better rates. A survey found that drivers who compared prices once a year saved over $860 a year compared to drivers who never shopped for cheaper rates.

If finding low prices for car insurance is your intention, then learning a little about how to quote prices and compare cheaper coverage can help you succeed in finding affordable rates.

If saving the most money is your goal, then the best way to get budget Dodge Avenger insurance in Columbus is to compare prices at least once a year from different companies who sell insurance in Ohio.

• Step 1: It will benefit you to learn about coverages and the changes you can make to prevent rate increases. Many things that increase rates such as high-risk driving behaviors and a low credit rating can be remedied by improving your driving habits or financial responsibility. This article gives more ideas to keep prices down and find discounts that you may qualify for.
• Step 2: Compare rates from direct carriers, independent agents, and exclusive agents. Exclusive and direct companies can give quotes from one company like Progressive and State Farm, while independent agents can provide price quotes from multiple companies.
• Step 3: Compare the new rate quotes to the price on your current policy to determine if you can save on Avenger insurance in Columbus. If you find a better price and make a switch, verify that coverage does not lapse between policies.
• Step 4: Give proper notification to your current agent or company of your decision to cancel your current policy and submit the required down payment along with the signed application to your new company or agent. As soon as coverage is bound, keep your new proof of insurance paperwork along with your vehicle registration.

One thing to remember is that you use identical coverage information on every price quote and and to get rate quotes from every company you can. Doing this ensures an apples-to-apples comparison and a complete price analysis.

If you’re already insured, you will be able to reduce premiums using the ideas you’re about to read. Shopping around for the lowest cost coverage in Columbus is quite easy. But Ohio car owners must understand the way insurance companies charge you for coverage and take advantage of how the system works.

Best companies for cheap Dodge Avenger insurance in Ohio

The providers in the list below are ready to provide quotes in Ohio. If multiple companies are shown, we suggest you get prices from several of them to get a more complete price comparison.

Data for Dodge Avenger insurance

The data table shown below outlines different insurance prices for Dodge Avenger models. Being aware of how premiums are figured can be useful when making decisions when shopping around.

Data rating is based on single male driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Ohio minimum liability limits. Discounts applied include safe-driver, claim-free, homeowner, multi-vehicle, and multi-policy. Price information does not factor in specific Columbus garaging location which can modify premium rates substantially.

How high should deductibles be?

One of the most common car insurance questions is which comprehensive and collision deductibles to buy. The figures shown below may help to illustrate the costs and benefits of buying low and high physical damage coverage deductibles. The first set of prices uses a $250 deductible for comp and collision and the second set of prices uses a $500 deductible.

Data rating is based on married male driver age 30, no speeding tickets, no at-fault accidents, and Ohio minimum liability limits. Discounts applied include multi-vehicle, safe-driver, homeowner, claim-free, and multi-policy. Premium costs do not factor in zip code location which can increase or decrease coverage prices substantially.

Using the premium rates above, we can conclude that using a $250 deductible costs approximately $11 more each month or $132 every year than choosing the higher $500 deductible. Due to the fact that you would have to pay $250 more out of your own pocket with a $500 deductible as compared to a $250 deductible, if you tend to go at least 23 months between claims, you would most likely save money if you choose the higher deductible.

The diagram below shows how different deductible levels and can change Dodge Avenger insurance costs for different ages of insureds. Data assumes a married female driver, full physical damage coverage, and no discounts are applied to the premium.

These discounts can lower your car insurance rates

Car insurance can be pricey, but there are discounts available to reduce the price significantly. Most are applied when you complete an application, but some must be inquired about prior to receiving the credit. If you do not double check each discount possible, you’re just leaving money on the table.

• Student Driver Training – Make teen driver coverage more affordable by requiring them to enroll in driver’s education in school or through a local driver safety program.
• Theft Deterrent System – Cars, trucks, and SUVs with anti-theft systems have a lower chance of being stolen and can earn a small discount on your policy.
• Seat Belts Save – Forcing all vehicle occupants to use their safety belts can save up to 10 percent (depending on the company) on medical payment and PIP coverage.
• Low Mileage Discounts – Keeping the miles down on your Dodge may enable drivers to earn slightly better premium rates than normal.
• Telematics Data – Policyholders that allow their insurance company to track driving habits by using a telematics device such as Allstate’s Drivewise and State Farm’s In-Drive system could save a few bucks if their driving habits are good.
• Discount for New Cars – Buying car insurance coverage on a new vehicle can save you some money because new model year vehicles keep occupants safer.
• Distant Student Discount – Children who are attending college and do not have access to a covered vehicle can be insured at a reduced rate.
• Membership in Organizations – Being in a civic or occupational organization in Columbus can get you a small discount when getting a Columbus auto insurance quote.

A little disclaimer on discounts, most of the big mark downs will not be given to the overall cost of the policy. Most only cut specific coverage prices like comprehensive or collision. So despite the fact that it appears it’s possible to get free car insurance, it’s just not the way it works.

The diagram below illustrates the difference between Dodge Avenger car insurance rates with and without discounts applied to the rates. The prices are based on a male driver, no accidents, no driving violations, Ohio state minimum liability limits, full coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with homeowner, claim-free, safe-driver, multi-car, multi-policy, and marriage discounts applied.

A few popular companies and a selection of discounts are detailed below.

• GEICO policyholders can earn discounts including five-year accident-free, federal employee, driver training, military active duty, anti-lock brakes, good student, and air bags.
• Travelers offers premium reductions for continuous insurance, student away at school, multi-policy, driver training, home ownership, early quote, and new car.
• Nationwide has savings for family plan, Farm Bureau membership, business or organization, multi-policy, easy pay, and good student.
• Farmers Insurance offers discounts including pay in full, business and professional, bundle discounts, multi-car, teen driver, alternative fuel, and early shopping.
• Esurance offers discounts for multi-car, Switch & Save, good driver, homeowner, paid-in-full, renters, and anti-lock brakes.
• State Farm may have discounts that include good driver, student away at school, Drive Safe & Save, anti-theft, accident-free, good student, and passive restraint.
• Progressive may include discounts for multi-policy, online quote discount, homeowner, multi-vehicle, continuous coverage, and online signing.
• Mercury Insurance has discounts for multi-car, annual mileage, good driver, ease of repair, multi-policy, location of vehicle, and good student.

Before buying, ask each company or agent which credits you are entitled to. Some of the earlier mentioned discounts might not be available to policyholders in your state. To locate companies that offer some of these discounts in Columbus, click here.

Local Columbus auto insurance agents and car insurance

Certain consumers prefer to buy from a licensed agent and that is recommended in a lot of cases A good thing about comparing car insurance online is that you can find cheap rate quotes and still choose a local agent.

For easy comparison, once you complete this quick form, your information is submitted to insurance agents in Columbus who will give competitive quotes for your insurance coverage. You won’t even need to find an agent because quoted prices will be sent to your email. It’s the lowest rates and work with a local agent. In the event you want to get a rate quote from one company in particular, don’t hesitate to jump over to their website and fill out their quote form.

Selecting an insurer should include more criteria than just the quoted price. Here are some questions to ask:

• Will they make sure you get an adequate claim settlement?
• Are claim adjusters local or do you have to take your car somewhere else?
• Will you get a loaner vehicle if you car is being repaired?
• Do the coverages you’re quoting properly cover your vehicle?
• Is vehicle damage repaired with OEM or aftermarket parts?
• Will they give you a referral list?
• Do they prorate repair cost based on vehicle mileage?

If you want to use a local Columbus insurance agency, it can be helpful to understand the different types of agencies and how they can quote your rates. Car insurance agencies can either be independent or exclusive.

Exclusive Car Insurance Agencies

Exclusive agencies write business for a single company and examples are Allstate, State Farm and Farm Bureau. They generally cannot provide other company’s prices so you might not find the best rates. These agents are usually well trained on their company’s products which helps them sell on service rather than price. Some consumers prefer to buy from exclusive agents mainly due to the brand name instead of buying on price only.

The following are exclusive agencies in Columbus that are able to give price quote information.

• State Farm: Matt Simonds
  2986 N High St – Columbus, OH 43202 – (614) 262-6700 – View Map
• Bruce Rothermund – State Farm Insurance Agent
  50 Northwoods Blvd – Columbus, OH 43235 – (614) 888-5830 – View Map
• Ted Briggs – State Farm Insurance Agent
  2545 Petzinger Rd L – Columbus, OH 43209 – (614) 235-6667 – View Map

More insurance agents

Independent Agents

Agents that elect to be independent do not write with just one company and that enables them to quote your coverage with an assortment of companies and help determine which has the cheapest rates. If they find a cheaper price, your agent can switch companies which makes it simple for you. If you need lower rates, we recommend you include price quotes from a few independent agents in order to have the best price comparison. Most independent agents also contract with smaller regional carriers which may provide better rates.

The following are Columbus independent insurance agents who can help you get rate quotes.

• All Ohio Insurance Agency Inc
  180 Northwoods Blvd – Columbus, OH 43235 – (614) 825-0770 – View Map
• Danduran and Associates Insurance Agency, Inc.
  1827 O Brien Rd – Columbus, OH 43228 – (614) 777-8200 – View Map
• Ansong Insurance Agency
  5272 Cleveland Ave – Columbus, OH 43231 – (614) 259-3635 – View Map

More insurance agents

A conclusion for your auto insurance search

Lower-priced Dodge Avenger insurance in Columbus can be sourced online in addition to local insurance agencies, so get free Columbus auto insurance quotes from both of them to have the best rate selection. A few companies may not have online quoting and these regional insurance providers sell through local independent agents.

When buying insurance coverage, make sure you don’t skimp on critical coverages to save a buck or two. In many instances, an accident victim reduced uninsured motorist or liability limits only to discover later that it was a big mistake. The proper strategy is to find the BEST coverage for the lowest cost, but do not skimp to save money.

In this article, we presented quite a bit of information on how to lower your Dodge Avenger insurance car insurance rates in Columbus. The most important thing to understand is the more rate comparisons you have, the better likelihood of getting low cost Columbus auto insurance quotes. You may even find the lowest priced auto insurance comes from a small mutual company.

More detailed auto insurance information can be found in these articles:

• Things to Know Before you Cancel Insurance (Allstate)
• Who Has the Cheapest Columbus Car Insurance for a Subaru Outback? (FAQ)
• What Car Insurance is Cheapest for Drivers Over Age 60 in Columbus? (FAQ)
• How Much are Columbus Car Insurance Quotes for a Toyota Camry? (FAQ)
• How Much is Columbus Auto Insurance for a Hyundai Elantra? (FAQ)
• Who Has Affordable Columbus Auto Insurance for a GMC Sierra? (FAQ)
• Who Has Cheap Columbus Car Insurance Rates for College Students? (FAQ)
• Vehicle Size and Weight FAQ (iihs.org)
• Choosing an Insurance Company (Insurance Information Institute)
• Rearview cameras reduce backing crashes (Insurance Institute for Highway Safety)
• Top Signs Your Brakes are Giving Out (State Farm)