Best 7 Ways You Can Insure a Dodge Avenger Cheaply in Las Vegas, NV

Locating low-cost insurance for a new or used Dodge Avenger in Nevada could be a lot of work, but you can use these tips to find lower rates.

There is a better way to shop for auto insurance so you’re going to learn the absolute fastest way to compare rates for a Dodge and locate the cheapest rates from Las Vegas insurance agents and online providers.

Lower rates by qualifying for these seven discounts

Car insurance is not cheap, but discounts can save money and there are some available that you may not even be aware of. Some discounts apply automatically at the time of purchase, but less common discounts must be requested specifically before being credited. If you don’t get every credit possible, you’re just leaving money on the table.

Passive Restraints – Vehicles equipped with air bags can get savings of up to 25% or more.
Good Student – Getting good grades can earn a discount of 20% or more. Earning this discount can benefit you up to age 25.
Low Mileage Discounts – Keeping the miles down on your Dodge can qualify you for lower rates on the low mileage vehicles.
Safety Course Discount – Taking a course in driver safety could possibly earn you a 5% discount depending on where you live.
Auto/Life Discount – Larger companies have lower rates if you buy life insurance from them.
Seat Belt Usage – Buckling up and requiring all passengers to buckle their seat belts can save up to 15% on the medical payments or PIP coverage costs.
Early Signing – Some insurance companies reward drivers for signing up prior to your current policy expiration. This can save 10% or more.

A little note about advertised discounts, most credits do not apply to all coverage premiums. The majority will only reduce the price of certain insurance coverages like comp or med pay. So when the math indicates all those discounts means the company will pay you, it doesn’t quite work that way. But any discount will reduce your premiums.

For a list of companies offering auto insurance discounts in Las Vegas, click this link.

The auto insurance bait and switch

Nevada drivers constantly see and hear ads for cheaper car insurance by companies like GEICO, State Farm and Progressive. They all seem to make the same claim about savings after switching to them.

How do they all say the same thing?

Different companies have a certain “appetite” for the type of customer that is profitable for them. An example of a profitable customer might be over the age of 40, has no prior claims, and chooses high deductibles. Any new insured who meets those qualifications gets the lowest rates and therefore will save quite a bit of money when switching.

Drivers who don’t meet these standards will have to pay a more expensive rate which usually ends up with business not being written. Company advertisements say “customers that switch” not “everybody who quotes” save that much money. That’s the way insurance companies can make those claims.

Because of the profiling, it’s extremely important to quote coverage with many companies. It’s not possible to predict which auto insurance company will give you the biggest savings. Las Vegas car insurance

Additional Nevada consumer information

More information is available on the Nevada Division of Insurance website. Click here for link. Nevada consumers can view agent and company licensing information, report car insurance fraud, read industry bulletins, and learn about specific coverages.

The following information may also be useful.

Auto insurance coverage basics

Knowing the specifics of auto insurance helps when choosing the right coverages and the correct deductibles and limits. Auto insurance terms can be ambiguous and coverage can change by endorsement.

Liability insurance – Liability coverage protects you from injuries or damage you cause to other’s property or people by causing an accident. Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see policy limits of 50/100/50 which stand for $50,000 in coverage for each person’s injuries, $100,000 for the entire accident, and a limit of $50,000 paid for damaged property. Some companies may use one limit called combined single limit (CSL) which combines the three limits into one amount with no separate limits for injury or property damage.

Liability insurance covers claims such as attorney fees, court costs, medical expenses and legal defense fees. How much liability coverage do you need? That is your choice, but buy as high a limit as you can afford. Nevada state law requires minimum liability limits of 15,000/30,000/10,000 but it’s recommended drivers buy better liability coverage.

Collision coverages – Collision coverage pays for damage to your Avenger caused by collision with another car or object. You first must pay a deductible then your collision coverage will kick in.

Collision coverage protects against claims like crashing into a building, hitting a mailbox and backing into a parked car. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are older. Drivers also have the option to choose a higher deductible in order to get cheaper collision rates.

Med pay and Personal Injury Protection (PIP) – Coverage for medical payments and/or PIP reimburse you for immediate expenses like X-ray expenses, hospital visits and funeral costs. They are often utilized in addition to your health insurance program or if you do not have health coverage. They cover you and your occupants as well as getting struck while a pedestrian. Personal injury protection coverage is not universally available and gives slightly broader coverage than med pay

Comprehensive insurance – This covers damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for claims like a broken windshield, damage from a tornado or hurricane, damage from getting keyed and falling objects. The maximum amount you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Uninsured/Underinsured Motorist (UM/UIM) – Your UM/UIM coverage provides protection when the “other guys” either have no liability insurance or not enough. Covered losses include hospital bills for your injuries and also any damage incurred to your Dodge Avenger.

Due to the fact that many Nevada drivers carry very low liability coverage limits (15/30/10), their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is very important. Most of the time these limits do not exceed the liability coverage limits.

Compare but don’t skimp

Budget-conscious Dodge Avenger insurance can be sourced from both online companies as well as from independent agents in Las Vegas, so compare prices from both to get a complete price analysis. There are still a few companies who don’t offer you the ability to get quotes online and these smaller companies work with independent agents.

We just covered a lot of information how to lower your Dodge Avenger insurance rates. The most important thing to understand is the more you quote, the higher your chance of finding lower rates. You may even discover the best prices are with a company that doesn’t do a lot of advertising.

People change insurance companies for many reasons like policy non-renewal, delays in responding to claim requests, an unsatisfactory settlement offer and even extreme rates for teen drivers. No matter why you want to switch, choosing a new company is actually quite simple.