Compare Dodge Avenger Insurance Quotes in Fort Worth

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Insurance for Dodge AvengerDo you want a faster way to compare more competitive auto insurance rates in Fort Worth, TX? Fort Worth buyers have many options when searching for the lowest priced Dodge Avenger insurance. They can either waste time driving around getting price quotes or utilize the internet to get rate quotes.

There are more efficient ways to buy auto insurance so we're going to tell you the absolute fastest way to get price quotes for a Dodge and obtain the best price possible from both online companies and Fort Worth agents.

The companies shown below are our best choices to provide free quotes in Texas. If multiple companies are listed, it's highly recommended you compare several of them in order to find the lowest rates.

Statistics and details

The information displayed next showcases a range of coverage prices for Dodge Avenger models. Learning as much as possible about how insurance policy premiums are calculated helps drivers make smart choices when purchasing an insurance policy.

Dodge Avenger Insurance Rates in Fort Worth, TX
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Avenger Express $166 $338 $444 $26 $132 $1,106 $92
Avenger R/T $166 $338 $444 $26 $132 $1,106 $92
Avenger SXT $166 $338 $444 $26 $132 $1,106 $92
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Data based on married male driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and Texas minimum liability limits. Discounts applied include multi-policy, homeowner, safe-driver, claim-free, and multi-vehicle. Prices do not factor in specific zip code location which can raise or lower premiums considerably.

Physical damage deductibles

A question often asked by Fort Worth drivers is how low should you set your deductibles. The premium rates below highlight the difference in cost when you select higher and lower coverage deductibles. The first rate quote example uses a $250 deductible for comp and collision and the second data table uses a $1,000 deductible.

Dodge Avenger insurance 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 with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Avenger Express $182 $368 $430 $26 $128 $1,134 $95
Avenger R/T $182 $368 $430 $26 $128 $1,134 $95
Avenger SXT $182 $368 $430 $26 $128 $1,134 $95
Get Your Own Custom Quote Go

Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include homeowner, multi-vehicle, safe-driver, multi-policy, and claim-free. Estimates do not factor in zip code location which can impact prices considerably.

We can derive from the above data that using a $250 deductible will cost you about $29 more each month or $348 every year than selecting the higher $1,000 deductible. Since the policyholder would be required to pay $750 more to file a claim with a $1,000 deductible as compared to a $250 deductible, if you tend to average more than 26 months between claims, you would most likely save money if you choose a higher deductible.

Age-based car insurance rates by gender

The diagram below illustrates the difference between Dodge Avenger premium costs for male and female drivers. The data is based on no claims or violations, full coverage, $100 deductibles, drivers are not married, and no discounts are applied.

Cost of full coverage

The diagram below shows the difference between Dodge Avenger auto insurance rates when comparing full coverage to liability only. The rates are based on no accidents, no driving violations, $500 deductibles, drivers are not married, and no discounts are applied.

When to stop buying comprehensive and collision coverage

There is no exact rule to delete full coverage on your policy, but there is a guideline you can use. If the yearly cost of comp and collision coverage is about 10% or more of the replacement cost of your vehicle minus the policy deductible, then it could be time to drop full coverage.

For example, let's say your Dodge Avenger claim settlement value is $9,000 and you have $1,000 full coverage deductibles. If your vehicle is totaled, the most your company will settle for is $8,000 after you pay the deductible. If it's costing in excess of $800 annually for your policy with full coverage, then it might be time to consider dropping full coverage.

There are some conditions where only buying liability is not financially feasible. If you still have a loan on your vehicle, you have to maintain full coverage in order to prevent the bank from purchasing higher-priced coverage. Also, if your finances do not allow you to purchase a different vehicle if your current one is totaled, you should not drop full coverage.

Dodge Avenger Insurance Premiums Can Be More Affordable

When buying insurance it's important to understand some of the elements that are used to determine your premiums. If you have some idea of what determines base rates, this enables informed choices that could help you find lower rates. Many factors are used in the calculation when quoting car insurance. A few of the factors are predictable such as your driving history, but other criteria are less obvious like where you live and annual miles driven.

  • Raise your comp and collision deductibles for better rates - Physical damage insurance, aka comp and collision, is used to repair damage to your vehicle. Some examples of covered claims are a broken side mirror, vandalism, or theft. The deductibles tell how much you are willing to pay if you file a covered claim. The more money you are required to pay out-of-pocket, the less money you will pay for insurance.
  • Poor driving means higher prices - Careful drivers pay lower auto insurance prices than people who have multiple driving citations. Only having one moving violation can increase the cost of insurance by twenty percent. Drivers who have severe citations such as DUI or reckless driving may need to file a SR-22 with their state's department of motor vehicles in order to prevent their license from being revoked.

    The information below shows how speeding tickets and at-fault collisions increase Dodge Avenger insurance premiums for different age groups of insureds. The data assumes a married male driver, full physical damage coverage, $250 deductibles, and no other discounts are factored in.

  • What's your car's NHTSA crash test rating? - Cars with high safety ratings tend to have lower insurance rates. The safest vehicles result in less severe injuries and lower injury rates translates into fewer and smaller insurance claims and cheaper rates on your policy. If the Dodge Avenger is rated at least four stars on Safercar.gov you may qualify for a discount.
  • Continuous coverage lowers insurance rates - Having an insurance coverage lapse can be a guaranteed way to increase your insurance rates. Not only will you pay higher rates, failure to provide proof of insurance may result in fines or a revoked license. You may then have to prove you have insurance by filing a SR-22 with the Texas motor vehicle department to get your license reinstated.
  • Married drivers get cheaper prices - Your spouse actually saves money on insurance. Having a significant other generally demonstrates drivers are more responsible and insurance companies like that drivers who are married are more cautious.
  • Incidental coverages push up prices - There are a lot of additional extra coverages that may not really be needed but may not be useful. Coverages for rental car reimbursement, accidental death, and motor club memberships may be costing you every month. The coverages may be enticing when talking to your agent, but your money might be better spent on other coverage so consider taking them off your policy.
  • Liability insurance is cheap - The liability section of your policy is the coverage that protects you if ever you are found to be at fault for personal injury or accident damage. Liability provides legal defense starting from day one. This coverage is very inexpensive compared to other policy coverages, so do not cut corners here.

Protect your Dodge vehicle and other assets

Even though Fort Worth Avenger insurance rates can get expensive, insurance may not be optional for several reasons.

  • Most states have mandatory liability insurance requirements which means the state requires specific limits of liability coverage if you want to drive 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 you have a lien on your vehicle, almost all lenders will stipulate that you buy full coverage to guarantee loan repayment. If you do not pay your insurance premiums, the bank may buy a policy for your Dodge for a lot more money and require you to reimburse them the higher premium.
  • Insurance protects not only your Dodge Avenger but also your assets. Insurance will also pay for hospital and medical expenses for both you and anyone you injure as the result of an accident. Liability coverage also pays for attorney fees and expenses if you are sued as the result of an accident. If your car is damaged in a storm or accident, your auto insurance policy will pay to repair the damage.

The benefits of insuring your Avenger definitely exceed the price paid, particularly when you have a large claim. As of last year, the average driver in Texas overpays more than $865 each year so compare quotes from several companies every year to help ensure money is not being wasted.