How long has it been since you sat down and looked for lower-priced Dodge Avenger insurance in Tampa? There isn’t a single person who gets a kick out of paying for auto insurance, particularly when they could find lower prices if they just compared rates.
We don’t have to point out that fact that insurance companies don’t want their customers to go rate shopping. Insureds who get comparison quotes at least once a year will probably buy a new policy because of the high probability of finding a cheaper policy. Surprisingly, a recent survey revealed that consumers who shopped around saved an average of $3,500 over four years compared to drivers who never shopped around for better prices.
If finding the lowest price on insurance in Tampa is why you’re reading this, then understanding how to get free comparison quotes and analyze car insurance can save time and make the process easier.
Due to the abundance of companies and agents to choose from, it is hard for the average consumer to choose a more affordable insurer.
It’s smart to shop coverage around as often as possible because rates are variable and change quite frequently. Even if you think you had the best deal on Dodge Avenger insurance in Tampa six months ago a different company probably has better prices today. Forget anything you know (or think you know) about auto insurance because you’re going to get a crash course in how to use the internet to find lower rates on auto insurance.
Comparison shopping for cheaper coverage in Tampa is not that difficult. Virtually every driver who buys auto insurance stands a good chance to find a better price. But Florida car owners need to learn the methods companies use to calculate their prices and use this information to your advantage.
Dodge Avenger insurance discounts in Tampa
Car insurance can cost a lot, but discounts can save money and there are some available that could drop your premiums quite a bit. Certain discounts will be applied when you get a quote, but less common discounts must be requested specifically before you will receive the discount.
- Payment Discounts – If you can afford to pay the entire bill instead of monthly or quarterly installments you could save 5% or more.
- Discounts for Government Workers – Having worked for a branch of the government can earn a discount up to 10% with select insurance companies.
- Student Discounts – This discount can be rewarded with saving of up to 25%. Most companies allow this discount well after school through age 25.
- Auto/Life Discount – Not every insurance company offers life insurance, but if they do you may earn a discount if you purchase life insurance from them.
- Discount for Home Ownership – Owning a house in Tampa can save a few bucks because owning a home demonstrates responsibility.
- Seat Belt Discounts – Requiring all passengers to buckle up before driving can save up to 15% on medical payment and PIP coverage.
- Air Bag Discount – Vehicles equipped with air bags can qualify for discounts of 20 to 30 percent.
- Paperless Signup – A few larger online companies provide a small discount get Tampa car insurance digitally online.
- Senior Citizens – If you’re over the age of 55, you may receive lower premium rates.
- One Accident Forgiven – This one is not really a discount per se, but some insurance companies will forgive one accident before hitting you with a surcharge as long as you don’t have any claims before the accident.
It’s important to understand that some of the credits will not apply to the entire cost. Most only reduce the price of certain insurance coverages like comp or med pay. Just because it seems like it’s possible to get free car insurance, you aren’t that lucky.
The example below compares Dodge Avenger insurance rates with and without policy discounts. The rates are based on a male driver, no claims or driving citations, Florida state minimum liability limits, comprehensive and collision coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-policy, safe-driver, claim-free, multi-car, homeowner, and marriage discounts applied.
Companies and a summarized list of policyholder discounts can be found below.
- Farmers Insurance may include discounts for teen driver, switch companies, business and professional, pay in full, bundle discounts, and distant student.
- Esurance policyholders can earn discounts including multi-policy, paid-in-full, online quote, defensive driver, and good driver.
- State Farm may have discounts that include anti-theft, Drive Safe & Save, good driver, passive restraint, student away at school, and multiple autos.
- GEICO discounts include emergency military deployment, membership and employees, anti-theft, anti-lock brakes, defensive driver, multi-vehicle, and five-year accident-free.
- Allstate offers discounts for teenSMART discount, utility vehicle, new car, senior citizen, eSmart discount, anti-theft, and resident student.
If you need cheaper Tampa car insurance quotes, ask all companies you are considering how you can save money. Some credits might not be offered everywhere. To locate insurers that provide some of the discounts listed above in Florida, click here to view.
To find the best car insurance prices, there are several ways to compare quotes from many car insurance companies in Florida. One of the best ways to compare Dodge Avenger insurance prices consists of shopping online.
Doing online rates comparisons is so easy that it replaces the need to actually drive to different Tampa agent offices. The internet has made agencies unnecessary unless you require the professional assistance of a local Tampa agent. It is possible to get prices online but still have the advice of a local agent.
Keep in mind that comparing more rates from different companies provides better odds of finding more affordable rates. Some companies don’t provide Tampa Avenger insurance quotes online, so you need to compare rates from them as well.
The companies shown below have been selected to offer price quotes in Florida. To buy cheap car insurance in Tampa, we suggest you visit several of them in order to find the lowest rates.
Insurance statistics for a Dodge Avenger
The data table shown below highlights detailed analysis of insurance premium costs for Dodge Avenger models. Understanding more about how policy rates are determined helps drivers make smart choices when comparing insurance quotes.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Avenger Express | $238 | $474 | $486 | $28 | $146 | $1,372 | $114 |
| Avenger R/T | $238 | $474 | $486 | $28 | $146 | $1,372 | $114 |
| Avenger SXT | $238 | $474 | $486 | $28 | $146 | $1,372 | $114 |
| Get Your Own Custom Quote Go | |||||||
Price data assumes married male driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Florida minimum liability limits. Discounts applied include homeowner, multi-vehicle, safe-driver, multi-policy, and claim-free. Rate quotes do not factor in specific garaging location which can change price quotes considerably.
Physical damage deductibles
One of the most common insurance questions is how high or low should comp and collision deductibles be. The rates below approximate how much more rates are between low and high comp and collision deductibles. The first set of rates uses a $250 deductible for physical damage and the second rate chart uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Avenger Express | $322 | $640 | $472 | $28 | $142 | $1,629 | $136 |
| Avenger R/T | $322 | $640 | $472 | $28 | $142 | $1,629 | $136 |
| Avenger SXT | $322 | $640 | $472 | $28 | $142 | $1,629 | $136 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Avenger Express | $200 | $402 | $472 | $28 | $142 | $1,244 | $104 |
| Avenger R/T | $200 | $402 | $472 | $28 | $142 | $1,244 | $104 |
| Avenger SXT | $200 | $402 | $472 | $28 | $142 | $1,244 | $104 |
| Get Your Own Custom Quote Go | |||||||
Price data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Florida minimum liability limits. Discounts applied include claim-free, multi-policy, homeowner, safe-driver, and multi-vehicle. Table data does not factor in vehicle garaging location which can affect price quotes significantly.
Based on this data, using a $250 deductible will cost you roughly $32 more each month or $384 every year averaged for all Avenger models than choosing the higher $1,000 deductible. Since you would have to pay $750 more to file a claim with a $1,000 deductible as compared to a $250 deductible, if you average at a minimum 23 months between claims, you would probably come out ahead by selecting a higher deductible.
The chart below highlights how deductible selection and can change Dodge Avenger insurance rates for each age group. Data assumes a single female driver, full physical damage coverage, and no other discounts are factored in.
Insurance rates based on gender
The example below compares Dodge Avenger insurance rates for male and female drivers. The prices are based on a clean driving record, no claims, comp and collision included, $100 deductibles, marital status is single, and no policy discounts are applied.
Should you buy full coverage?
The diagram below illustrates the comparison of Dodge Avenger yearly insurance costs when comparing full coverage to state minimum liability only. The data assumes a clean driving record, no at-fault accidents, $100 deductibles, drivers are single, and no additional discounts are factored in.
Are you wasting money paying for full coverage?
There is no written rule of when to exclude comprehensive and collision coverage on your policy, but there is a guideline you can use. If the yearly cost of comp and collision coverage is more than around 10% of the replacement cost minus the deductible, then it may be the right time to buy liability only.
For example, let’s say 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 the deductible is paid. If it’s costing in excess of $700 a year for comprehensive and collision coverage, the it may be a good time to stop paying for full coverage.
There are some scenarios where only buying liability is not a good plan. If you still have a loan on your vehicle, you have to maintain full coverage to protect the lienholder’s interest. Also, if your finances do not allow you to purchase a different vehicle in the even your car is totaled, you should not drop full coverage.
Do I need a local insurance agent?
A lot of people prefer to get professional advice from a licensed agent and that can be a great decision A good thing about getting free rate quotes online is that you can obtain cheap insurance rates and still buy from a local agent. And supporting local insurance agencies is important particularly in Tampa.
Once you complete this form (opens in new window), your coverage information is submitted to local insurance agents that can give you free Tampa car insurance quotes for your insurance coverage. It’s much easier because you don’t need to leave your computer because quoted prices will be sent instantly to you. You can get cheaper insurance rates and an insurance agent to talk to. If you need to compare prices from a specific insurance provider, just visit that company’s website and complete a quote there.
Two types of Tampa car insurance agents
If you need to find a good insurance agency, you must know there are a couple types of insurance agents to choose from. Insurance agencies in Tampa may be either independent or exclusive depending on the company they work for.
Independent Agencies or Brokers
Agents that choose to be independent are appointed with more than one company so they can insure your vehicles with a variety of different insurance companies and potentially find a lower price. If they find a lower price, the agent simply finds a different carrier and you stay with the same agent. When comparison shopping, we highly recommend that you include a few independent agents to ensure the widest selection of prices.
Shown below is a list of independent agents in Tampa who may be able to give you free price quotes.
E J Ferro Insurance Agency
Tampa, FL 33647 – Tampa, FL 33647 – (813) 926-1515 – View Map
Colucci Insurance
1441 E Fletcher Ave – Tampa, FL 33612 – (813) 972-1947 – View Map
Florida Commercial Insurance
4915 W Cypress St – Tampa, FL 33607 – (813) 262-2303 – View Map
Exclusive Agents
Exclusive agencies can only provide pricing for a single company like Allstate, State Farm and Farm Bureau. They generally cannot compare other company’s rates so you need to shop around if the rates are high. These agents are usually quite knowledgeable on their company’s products which aids in selling service over price.
The following are exclusive insurance agencies in Tampa who can help you get rate quotes.
Jim Cornwell – State Farm Insurance Agent
4305 W Bay to Bay Blvd – Tampa, FL 33629 – (813) 835-8892 – View Map
Ray Mathews – State Farm Insurance Agent
15271 Amberly Dr – Tampa, FL 33647 – (813) 978-1898 – View Map
John Lang – State Farm Insurance Agent
4023 W Waters Ave #5 – Tampa, FL 33614 – (813) 885-2748 – View Map
Selecting an car insurance agent needs to be determined by more than just a cheap quote. Here are some questions to ask:
- Which company do they place the most coverage with?
- If you have an accident, will your rates go up?
- If independent agents, which companies do they recommend?
- When do they do policy reviews?
- Which insurance companies are they affiliated with?
- Will the agent or a CSR service your policy?
- How does the company pay claims for a total loss?
More quotes mean more car insurance savings
Cheap Dodge Avenger insurance in Tampa can be bought on the web and with local Tampa insurance agents, so you should compare both to get a complete price analysis. There are still a few companies who do not offer the ability to get a quote online and many times these small insurance companies only sell coverage through independent agents.
In this article, we covered some good ideas how you can find affordable Dodge Avenger insurance in Tampa. The key concept to understand is the more you quote Tampa car insurance, the better your comparison will be. Drivers may even discover the biggest savings come from a lesser-known regional company. Smaller companies can often insure niche markets at a lower cost than the large multi-state companies such as Progressive and GEICO.
How to find affordable quotes for Dodge Avenger insurance in Tampa
The most effective way to find the cheapest price for Dodge Avenger insurance is to begin comparing prices regularly from different companies in Tampa. This can be done by following these steps.
- Read and learn about how car insurance works and the modifications you can make to prevent expensive coverage. Many rating criteria that cause high rates such as at-fault accidents and a not-so-good credit rating can be controlled by making minor changes to your lifestyle.
- Compare prices from independent agents, exclusive agents, and direct companies. Direct companies and exclusive agencies can only give prices from a single company like GEICO or State Farm, while independent agents can provide price quotes for many different companies.
- Compare the new rates to your current policy premium to see if switching to a new carrier will save money. If you find a lower rate and make a switch, make sure there is no lapse between the expiration of your current policy and the new one.
- Provide written notification to your current company of your intention to cancel your current auto insurance policy and submit the required down payment along with the signed application for the new policy. Be sure to keep your new proof of insurance certificate in your vehicle.
One key aspect of rate comparisons is that you use similar coverage information on every quote request and and to compare all possible companies. This provides an accurate price comparison and the best price selection.
More information is located at the links below
- Parking Tips to Reduce Door Dings (State Farm)
- What Insurance is Cheapest for Veterans in Tampa? (FAQ)
- Who Has Affordable Tampa Auto Insurance Quotes for Government Employees? (FAQ)
- What Insurance is Cheapest for Homeowners in Tampa? (FAQ)
- Who Has Cheap Auto Insurance for a Nissan Rogue in Tampa? (FAQ)
- Who Has Cheap Tampa Car Insurance for Electric Cars? (FAQ)
- What Insurance is Cheapest for High Mileage Drivers in Tampa? (FAQ)
- What is Covered by GAP Insurance? (Allstate)
- Five Tips to Save on Auto Insurance (Insurance Information Institute)
- What is a Telematics Device? (Allstate)