Affordable Insurance for a Dodge Avenger in Tulsa

Insurance for Dodge AvengerTrying to find cheaper insurance for a Dodge Avenger in Oklahoma can be an all-consuming task, but you can learn our insurance buying tips and make it easy. There are more efficient ways to find insurance online and you need to know the quickest way to quote coverages for your Dodge and get the lowest price from both online companies and Tulsa agents.

Smart consumers take time to compare premium rates yearly because prices are adjusted regularly by insurance companies. Despite the fact that you may have had the best deal on Dodge Avenger insurance in Tulsa at your last renewal the chances are good that you can find a lower rate quote today. Don’t believe everything you read about Avenger insurance on the web, but in this article, you’re going to get some good information on how to find cheap insurance in Tulsa.

The providers in the list below are ready to provide price comparisons in Tulsa, OK. To get cheaper auto insurance in Tulsa, it’s a good idea that you click on several of them in order to find the cheapest rates.

Here’s why insurance is not optional

Even though Tulsa Avenger insurance rates can get expensive, insuring your vehicle serves an important purpose.

The benefits of buying enough insurance outweigh the cost, specifically if you ever have a liability claim. According to a recent study, the average American driver is wasting up to $869 every year so smart consumers compare quotes at every policy renewal to ensure rates are competitive.

Premium rates and analysis

The price information displayed next covers estimates of insurance rates for Dodge Avenger models. Having a good grasp of how auto insurance policy rates are formulated is important for drivers to make smart choices when buying a policy.

Dodge Avenger Insurance Rates in Tulsa, OK
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Avenger Express $274 $544 $516 $30 $154 $1,518 $127
Avenger R/T $274 $544 $516 $30 $154 $1,518 $127
Avenger SXT $274 $544 $516 $30 $154 $1,518 $127
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Data based on married female driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Oklahoma minimum liability limits. Discounts applied include claim-free, multi-policy, safe-driver, homeowner, and multi-vehicle. Rates do not factor in vehicle location which can affect price quotes noticeably.

Rate comparison for different deductibles

The hardest decision when buying coverage is how high should the deductibles for physical damage be. The rates shown below may help you to understand how much more you’ll pay of buying low and high policy deductibles. The first data table uses a $250 deductible for comprehensive and collision coverage and the second pricing table uses a $1,000 deductible.

Dodge Avenger insurance rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Avenger Express $346 $688 $506 $30 $152 $1,747 $146
Avenger R/T $346 $688 $506 $30 $152 $1,747 $146
Avenger SXT $346 $688 $506 $30 $152 $1,747 $146
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Dodge Avenger insurance rates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Avenger Express $214 $432 $506 $30 $152 $1,334 $111
Avenger R/T $214 $432 $506 $30 $152 $1,334 $111
Avenger SXT $214 $432 $506 $30 $152 $1,334 $111
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Data variables include married male driver age 30, no speeding tickets, no at-fault accidents, and Oklahoma minimum liability limits. Discounts applied include multi-policy, safe-driver, multi-vehicle, claim-free, and homeowner. Premium amounts do not factor in the specific area where the vehicle is garaged which can impact insurance rates substantially.

Based on these figures, using a $250 deductible will cost in the ballpark of $35 more each month or $420 each year than choosing the higher $1,000 deductible. Because you would pay $750 more if you turn in a claim with a $1,000 deductible as compared to a $250 deductible, if you tend to have more than 21 months between claims, you would more than likely save some money if you opt for a higher deductible.

Comparison of full coverage and liability-only policies

The chart below illustrates the difference between Dodge Avenger annual premium costs with full physical damage coverage compared to only buying liability only. The premiums are based on no accidents or driving violations, $1,000 deductibles, single marital status, and no policy discounts are applied.

When to switch to liability coverage only

There is no specific rule to delete comp and collision coverage, but there is a guideline you can use. If the annual cost of coverage is more than around 10% of the settlement you would receive from your company, then you might want to think about dropping full coverage.

For example, let’s assume your Dodge Avenger replacement cost is $8,000 and you have $1,000 physical damage deductibles. If your vehicle is totaled, the most you would get paid by your company is $7,000 after you pay the deductible. If you are paying in excess of $700 a year for your policy with full coverage, then you may need to consider dropping full coverage.

There are some cases where removing full coverage is not in your best interest. If you still owe a portion of the original loan, you have to maintain full coverage in order to keep the loan. Also, if your savings is not enough to buy a different vehicle in the event your current vehicle is totaled, you should not drop full coverage.

Insurance policy discounts for Dodge Avenger insurance in Tulsa

Some insurance providers don’t always advertise the complete list of policy discounts in an easy-to-find place, so the list below details a few of the more well known as well as some of the hidden discounts you could be receiving when you buy Tulsa auto insurance online.Save money with discounts

One thing to note about discounts is that most discount credits are not given to all coverage premiums. Most only cut the cost of specific coverages such as comprehensive or collision. So despite the fact that it appears you would end up receiving a 100% discount, that’s just not realistic.

The chart below visualizes the comparison of Dodge Avenger insurance costs with and without discounts applied to the policy rates. The costs are based on a female driver, no tickets, no at-fault accidents, Oklahoma state minimum liability limits, full physical damage coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-policy, multi-car, claim-free, homeowner, marriage, and safe-driver discounts applied.

To locate providers with discount insurance rates in Oklahoma, follow this link.

Insurance agents can help

When selecting a policy for your personal vehicles, there really is not a one-size-fits-all type of policy. Everyone’s needs are different and your insurance should be unique as well.Higher deductibles save money
These are some specific questions might point out if you would benefit from professional advice.

If you’re not sure about those questions but you think they might apply to your situation, you may need to chat with a licensed agent. To find lower rates from a local agent, take a second and complete this form or you can also visit this page to select a carrier It’s fast, doesn’t cost anything and may give you better protection.