It takes a little time, but the best way to save on Dodge Avenger insurance is to start comparing rates regularly from insurers who sell insurance in Cincinnati.
First, gain an understanding of the coverage provided by your policy and the changes you can make to drop your rates. Many factors that drive up the price such as tickets, at-fault accidents, and poor credit can be remedied by making small lifestyle or driving habit changes.
Second, request price quotes from direct carriers, independent agents, and exclusive agents. Exclusive agents and direct companies can only give prices from a single company like GEICO and Allstate, while agents who are independent can give you price quotes from multiple companies.
Third, compare the quotes to your current policy premium to see if cheaper Avenger coverage is available in Cincinnati. If you can save some money and decide to switch, make sure there is no lapse between the expiration of your current policy and the new one.
Fourth, provide proper notification to your current company to cancel your existing policy and submit the required down payment along with the signed application to the newly selected company. As soon as coverage is bound, safely store the certificate verifying coverage along with the vehicle’s registration papers.
One bit of advice is to try to use the same level of coverage on each quote request and and to get rates from as many auto insurance providers as possible. Doing this provides an apples-to-apples comparison and a complete price analysis.
It’s safe to conclude that car insurance companies don’t want you to look at other companies. Drivers who get comparison quotes once a year are highly likely to switch to a new company because there is a good probability of finding better rates. A recent auto insurance study revealed that drivers who compared rates annually saved over $3,400 over four years compared to other drivers who never shopped around.
If saving the most money on insurance is the reason for your visit, then understanding how to choose a company and compare insurance rates can make it easier for you to save money.
When comparing insurance rates, know that having more price comparisons helps locate the best offered rates.
The companies in the list below provide quotes in Cincinnati, OH. If you wish to find the cheapest auto insurance in Ohio, it’s a good idea that you click on several of them to get the best price comparison.
Three reasons to not skimp on insurance
Despite the high insurance cost for a Dodge Avenger in Cincinnati, buying insurance may be required for several reasons.
- Just about all states have minimum liability requirements which means the state requires a minimum amount of liability protection in order to license the vehicle. In Ohio these limits are 25/50/25 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.
- If you took out a loan on your vehicle, almost every bank will stipulate that you buy insurance to ensure they get paid if you total the vehicle. If you default on your policy, the lender may have to buy a policy to insure your Dodge for a much higher rate and force you to reimburse them much more than you were paying before.
- Insurance safeguards your Dodge Avenger and your assets. It will also provide coverage for medical transport and hospital expenses for both you and anyone you injure as the result of an accident. As part of your policy, liability insurance will also pay for a defense attorney in the event you are sued. If damage is caused by hail or an accident, comprehensive and/or collision insurance will cover the damage repairs after a deductible is paid.
The benefits of carrying enough insurance more than offset the price you pay, especially if you ever need it. According to a recent study, the average American driver is overpaying more than $865 each year so compare quotes from several companies once a year at a minimum to save money.
Insurance statistics and figures
The premium table shown next highlights different rate quotes for Dodge Avenger models. Having knowledge of how insurance rates are calculated can benefit drivers when making informed decisions.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Get Your Own Custom Quote Go|
Above prices assume single female driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and Ohio minimum liability limits. Discounts applied include multi-policy, safe-driver, homeowner, claim-free, and multi-vehicle. Price estimates do not factor in specific location information which can raise or lower premium rates greatly.
The example below shows how choosing a deductible and can affect Dodge Avenger yearly insurance costs for each age group. The costs are based on a single female driver, full physical damage coverage, and no policy discounts are applied.
Difference between liability only and full coverage rates
The information below compares Dodge Avenger premium costs with full physical damage coverage and with liability coverage only. The rate quotes are based on no claims or driving citations, $1,000 deductibles, drivers are single, and no discounts are applied.
When to drop comprehensive and collision
There isn’t a written rule that is best for determining when to drop physical damage coverage on your policy, but there is a general school of thought. If the annual cost of coverage is more than 10% of the replacement cost of your vehicle minus the policy deductible, then you may want to consider only buying liability coverage.
For example, let’s assume your Dodge Avenger settlement value is $9,000 and you have $1,000 full coverage deductibles. If your vehicle is damaged in an accident, the most you would receive is $8,000 after paying the physical damage deductible. If you are paying in excess of $800 a year for physical damage coverage, then you might want to consider buying only liability coverage.
There are a few cases where dropping physical damage coverage is not financially feasible. If you still have a loan on your vehicle, you must maintain physical damage coverage to satisfy the loan requirements. Also, if you cannot afford to purchase a different vehicle if your current one is in an accident, you should maintain full coverage.
Companies offer many discounts on Dodge Avenger insurance in Cincinnati
Properly insuring your vehicles can get expensive, but you can get discounts to reduce the price significantly. Many of these discounts will be applied automatically when you purchase, but once in a while a discount must be asked about prior to receiving the credit. If you do not double check each discount possible, you are paying more than you should be.
- Lower Rates for Military – Being on active duty in the military could qualify you for better prices.
- Driver Training Discounts – Completing a defensive driver course may get you a small discount if you qualify.
- Club Memberships – Belonging to a qualifying organization is a good way to get lower rates on car insurance.
- Senior Citizens – Mature drivers could receive better car insurance rates.
- ABS Brakes – Cars with anti-lock braking systems are much safer to drive so companies give up to a 10% discount.
A little disclaimer on discounts, some of the credits will not apply to the overall cost of the policy. A few only apply to the cost of specific coverages such as liability, collision or medical payments. So when the math indicates all those discounts means the company will pay you, companies wouldn’t make money that way.
The example below illustrates the difference between Dodge Avenger annual premium costs with and without discounts applied. The premiums are based on a male driver, no violations or claims, 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 safe-driver, homeowner, marriage, multi-car, claim-free, and multi-policy discounts applied.
To view providers that offer some of these discounts in Cincinnati, click here to view.
Do I need a local insurance agent?
A lot of people just want to sit down with an agent. An additional benefit of price shopping on the web is you may find cheap car insurance rates and still choose a local agent.
By using this quick form, your coverage information is instantly submitted to insurance agents in Cincinnati who will give you quotes for your car insurance coverage. There is no reason to drive around as quotes are delivered to your email. You can find the lowest rates AND a local agent. If you want to quote rates from one company in particular, feel free to jump over to their website and give them your coverage information.
Picking an insurer requires you to look at more than just the price. Here are some questions you might want to ask.
- Is insurance their full-time profession?
- How would your car be valued if totaled?
- If you have an accident, are you able to get your vehicle repaired at the shop of your choice?
- How long has their agency been in business in Cincinnati?
- Does the company have a local claim office in Cincinnati?
- Does the agency have a positive business rating?
- What insurance companies do they recommend if they are an independent agent?
If you would like to find a reputable agency, it’s important to understand the types of insurance agents and how they can quote your rates. Car insurance agencies are considered either exclusive or independent.
Exclusive Car Insurance Agents
Agents in the exclusive channel can only write with one company and some examples include AAA, Allstate, and State Farm. These agents are not able to give you multiple price quotes so they are skilled at selling on more than just price. Exclusive agents are usually quite knowledgeable on what they offer and that enables them to sell even at higher rates. Consumers frequently use the same exclusive agent mainly due to high brand loyalty and solid financial strength.
Shown below are exclusive agents in Cincinnati who may provide you with comparison quotes.
- Brad Robbins – State Farm Insurance Agent
3111 Mozart Ave – Cincinnati, OH 45211 – (513) 662-2200 – View Map
- Greg Meinberg – State Farm Insurance Agent
3322 Erie Ave #102 – Cincinnati, OH 45208 – (513) 533-1661 – View Map
- Letitia Fulkerson – State Farm Insurance Agent
882 Ohio Pike – Cincinnati, OH 45245 – (513) 752-2144 – View Map
Independent Car Insurance Agencies
Independent agents can quote rates with many companies so they can write business with any number of different companies and potentially find a lower price. If prices rise, they simply move the coverage in-house and the insured can keep the same agent.
If you are comparing rate quotes, you will definitely want to get quotes from at least one independent agent in order to have the best price comparison. They often place coverage with smaller regional carriers which may provide better rates.
The following is a short list of independent insurance agents in Cincinnati who can help you get comparison quotes.
- CMS Insurance Inc
2756 Erie Ave – Cincinnati, OH 45208 – (513) 321-2000 – View Map
- Zinser Insurance Agency LLC
5310 Glenway Ave # 1 – Cincinnati, OH 45238 – (513) 451-8898 – View Map
- Zimmer Insurance Agency
2148 Gilbert Ave – Cincinnati, OH 45206 – (513) 381-1919 – View Map
If you feel you receive answers to your satisfaction to any questions you have and locked in a price quote, most likely you have located a car insurance agent that meets the requirements to provide car insurance coverage.
Best auto insurance in Ohio
Picking a highly-rated company can be challenging considering how many companies sell coverage in Cincinnati. The company rank data in the lists below may help you select which auto insurance companies you want to consider shopping prices with.
Top 10 Cincinnati Car Insurance Companies Ranked by Value
- AAA Insurance
- Erie Insurance
- State Farm
- Liberty Mutual
- Safeco Insurance
- 21st Century
Quote. Compare. Save.
We just covered a lot of techniques to reduce Dodge Avenger insurance premium rates online in Cincinnati. The most important thing to understand is the more times you quote, the higher your chance of finding cheaper Cincinnati auto insurance quotes. Drivers may even discover the best price on car insurance is with some of the smallest insurance companies.
The cheapest Dodge Avenger insurance in Cincinnati can be purchased on the web and also from your neighborhood Cincinnati agents, so you should be comparing quotes from both to have the best selection. There are still a few companies who do not provide internet price quotes and usually these smaller providers sell through independent insurance agencies.
When trying to cut insurance costs, never reduce needed coverages to save money. In many instances, consumers will sacrifice liability coverage limits only to regret at claim time that their decision to reduce coverage ended up costing them more. Your goal is to buy the best coverage you can find at the best price but still have enough coverage for asset protection.
More learning opportunities
- Automakers compete to add autobraking (Insurance Institute for Highway Safety)
- Who Has Affordable Auto Insurance for Hybrid Vehicles in Cincinnati? (FAQ)
- Vehicle Insurance in the U.S. (Wikipedia)
- Protecting Teens from Drunk Driving (Insurance Information Institute)
- Booster Seat Ratings (iihs.org)