Car Insurance Rates for a Dodge Avenger in Kansas City

If saving the most money is your goal, then the best way to get the cheapest Dodge Avenger insurance in Kansas City is to compare prices regularly from different companies who sell auto insurance in Missouri.

1. Try to understand individual coverages and the factors you can control to lower rates. Many risk factors that increase rates like tickets, at-fault accidents, and an imperfect credit rating can be improved by paying attention to minor details. This article provides additional tips to lower rates and find overlooked discounts.
2. Request price quotes from exclusive agents, independent agents, and direct providers. Exclusive and direct companies can only give rate quotes from one company like Progressive or Farmers Insurance, while independent agencies can provide price quotes from many different companies.
3. Compare the new rate quotes to your existing rates and see if you can save money. If you can save money and make a switch, ensure coverage does not lapse between policies.
4. Provide written notification to your current company of your intent to cancel your current auto insurance policy and submit a down payment along with a signed application to your new insurance company. As soon as you receive it, keep the new certificate verifying coverage in your vehicle’s glove compartment or console.

An important bit of advice to remember is to make sure you enter the same level of coverage on every quote request and and to compare as many auto insurance providers as possible. This helps ensure an accurate price comparison and and a good selection of different prices.

A recent survey discovered that a large majority of drivers renewed their policy with the same company for more than four years, and just short of a majority have never taken the time to shop around. Drivers in Missouri can cut their rates by roughly 25% a year just by comparing rates, but most undervalue the rate savings if they switched.

The companies shown below provide price quotes in Kansas City, MO. In order to find cheap auto insurance in Kansas City, we suggest you click on several of them to get the best price comparison.

Dodge Avenger coverage statistics

The coverage table displayed next covers detailed analysis of insurance coverage prices for Dodge Avenger models. Having knowledge of how insurance policy premiums are determined is important for making smart choices when comparing insurance rates.

Table data represents single male driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Missouri minimum liability limits. Discounts applied include multi-policy, multi-vehicle, claim-free, homeowner, and safe-driver. Price estimates do not factor in Kansas City location which can revise insurance rates significantly.

Physical damage deductibles: Should you raise them?

One of the hardest decisions when shopping for auto insurance is where should you set your physical damage deductibles. The premium rates below show the price difference when you buy lower versus higher physical damage coverage deductibles. The first rate estimation uses a $100 deductible for comprehensive and collision coverage and the second rate table uses a $1,000 deductible.

Data variables include married male driver age 30, no speeding tickets, no at-fault accidents, and Missouri minimum liability limits. Discounts applied include claim-free, multi-policy, multi-vehicle, homeowner, and safe-driver. Price information does not factor in specific zip code location which can increase or decrease insurance rates greatly.

We can derive from the above data that using a $100 deductible costs about $30 more each month or $360 each year than quoting the higher $1,000 deductible. Since you would have to pay $900 more out of your own pocket with a $1,000 deductible as compared to a $100 deductible, if you tend to go more than 30 months between claim filings, you would more than likely save some money going with the higher deductible.

Auto insurance rates by gender and age in Kansas City

The chart below illustrates the comparison of Dodge Avenger car insurance costs for male and female drivers. The data assumes no accidents, no driving violations, full coverage, $1,000 deductibles, marital status is single, and no discounts are factored in.

Dodge Avenger full coverage rates compared to liability only

The diagram below shows the difference between Dodge Avenger insurance rates with full physical damage coverage compared to only buying liability only. The information is based on no accidents or driving violations, $250 deductibles, single status, and no other discounts are factored in.

When to stop buying full coverage

There is no exact rule of when to eliminate physical damage coverage on your policy, but there is a guideline you can use. If the yearly cost for physical damage coverage is about 10% or more of the settlement you would receive from your company, the it may be a good time to stop paying for full coverage.

For example, let’s pretend your Dodge Avenger claim settlement value is $8,000 and you have $1,000 physical damage deductibles. If your vehicle is severely damaged, the most you would receive is $7,000 after paying the physical damage deductible. If premiums are more than $700 annually for comprehensive and collision coverage, then it’s probably a good time to buy liability coverage only.

There are some situations where dropping full coverage is not in your best interest. If you haven’t paid off your loan, you must maintain physical damage coverage to satisfy the loan requirements. Also, if your finances do not allow you to purchase a different vehicle in case of an accident, you should not consider dropping full coverage.

Why Your Insurance Costs might be higher

When buying insurance it’s important to understand the factors that play a part in calculating the rates you pay for insurance. If you have some idea of what impacts premium levels, this helps enable you to make changes that will entitle you to lower rates.

• Car features that cut rates – Owning a car with anti-theft technology or alarm system can help lower your rates. Anti-theft devices like OnStar found on GM vehicles, advanced tracking like LoJack, and vehicle immobilization systems can thwart car theft and help bring rates down.
• Liability safeguards assets – Your insurance policy’s liability coverage is the protection if you are determined to be liable for damages from an accident. It provides for a legal defense starting from day one. Carrying liability coverage is mandatory and cheap as compared to coverage for physical damage, so drivers should make sure they buy enough to cover all assets.
• Safer cars means better premiums – Safe vehicles are cheaper to insure. Safe vehicles reduce injuries and lower rates of occupant injuries translates directly to fewer claims and lower rates for you.
• Married drivers get better prices – Your spouse may cut your premiums on your insurance policy. It usually means you are more stable financially and statistics prove married drivers tend to file fewer claims.

• Performance influences premiums – The performance of the vehicle you are buying insurance for makes a huge difference in your auto insurance rates. The most favorable rates are usually for smaller low performance passenger cars, but other factors influence the final cost greatly.

  The chart below uses these assumptions: married female driver age 20, full coverage with $500 deductibles, and no discounts or violations. The chart compares Dodge Avenger car insurance rates compared to other models that have different risk factors.

• Save mileage and save money – The more you drive your Dodge every year the higher the price you pay to insure it. Almost all companies calculate prices based upon how much you drive. Cars that have low annual miles receive lower rates than vehicles that are driven to work every day. Make sure your declarations sheet is showing annual mileage. An incorrectly rated Avenger may be wasting your money.
• Your location is a factor – Living in small towns and rural areas has it’s advantages if you are looking for the lowest rates. Lower population means a lower chance of having an accident as well as less vandalism and auto theft. People in densely populated areas have more road rage incidents and more severe claims. Higher commute times means a statistically higher chance of an accident.

• Teenage driver insurance costs – Inexperience drivers are statistically proven to be inattentive and easily distracted when at the wheel of a vehicle therefore insurance rates are much higher. Having to add a beginning driver onto a policy can cause a big jump in price. More experienced drivers have been proven to be more responsible, tend to cause fewer accidents, and get fewer tickets.

  The following chart is based on a single driver, full coverage with $250 deductibles, and no discounts or violations.

Auto insurance does more than just repair your car

Even though it’s not necessarily cheap to insure a Dodge in Kansas City, insurance may be mandatory for several reasons.

• Almost all states have compulsory liability insurance requirements which means the state requires a specific minimum amount of liability protection if you drive a vehicle. In Missouri these limits are 25/50/10 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.
• If you bought your Dodge with a loan, it’s guaranteed your bank will make it a condition of the loan that you carry insurance to ensure loan repayment if the vehicle is totaled. If you do not keep the policy in force, the bank or lender will purchase a policy for your Dodge at a significantly higher premium and make you pay for the much more expensive policy.
• Auto insurance preserves not only your vehicle but also your financial assets. It will also cover medical bills incurred in an accident. Liability insurance, one of your policy coverages, will also pay to defend you in the event you are sued. If your car is damaged in a storm or accident, collision and comprehensive (also known as other-than-collision) coverage will pay to repair the damage.

The benefits of buying enough insurance are without a doubt worth the cost, especially with large liability claims. The average driver in America is overpaying more than $810 a year so it’s recommended you shop around at least once a year to save money.