Dodge Avenger Insurance Quotes in Baltimore

Discount Dodge Avenger insuranceA recent auto insurance study revealed that nearly 70% of customers kept their policy with the same company for at least the last four years, and nearly 40% of drivers have never shopped around. Drivers in Baltimore could save an average of $750 each year, but most just don’t grasp the benefits if they switched.

Truthfully, the best way to get cheaper Dodge Avenger insurance in Baltimore is to do a yearly price comparison from insurers who sell insurance in Maryland. Price quotes can be compared by completing these steps.

A crucial key to this process is that you’ll want to make sure you compare identical coverages on every price quote and and to get price estimates from as many different insurance providers as possible. This provides a fair rate comparison and a complete price analysis.

Cheap companies for Dodge Avenger insurance

The companies shown below provide comparison quotes in Maryland. To locate cheap auto insurance in MD, it’s a good idea that you get rate quotes from several of them in order to find the most affordable rates.

Data for Dodge Avenger insurance

The premium information below highlights detailed analysis of insurance prices for Dodge Avenger models. Being more informed about how insurance quotes are determined can help drivers make decisions when shopping around.

Dodge Avenger Insurance Rates in Baltimore, MD
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Avenger Express $250 $578 $556 $32 $166 $1,582 $132
Avenger R/T $250 $578 $556 $32 $166 $1,582 $132
Avenger SXT $250 $578 $556 $32 $166 $1,582 $132
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Table data represents single male driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Maryland minimum liability limits. Discounts applied include homeowner, safe-driver, multi-policy, multi-vehicle, and claim-free. Rates do not factor in specific location information which can revise premium rates substantially.

Policy deductible comparison

The hardest decision when buying coverage is where should you set your physical damage deductibles. The premium rates below lay out the premium difference when you select higher and lower coverage deductibles. The first table uses a $100 deductible for physical damage and the second pricing table uses a $500 deductible.

Dodge Avenger insurance policy rates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Avenger Express $350 $744 $458 $28 $138 $1,743 $145
Avenger R/T $350 $744 $458 $28 $138 $1,743 $145
Avenger SXT $350 $744 $458 $28 $138 $1,743 $145
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Dodge Avenger insurance policy rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Avenger Express $256 $502 $458 $28 $138 $1,382 $115
Avenger R/T $256 $502 $458 $28 $138 $1,382 $115
Avenger SXT $256 $502 $458 $28 $138 $1,382 $115
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Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and Maryland minimum liability limits. Discounts applied include claim-free, safe-driver, homeowner, multi-policy, and multi-vehicle. Premium amounts do not factor in specific garaging location which can change rates substantially.

Based on these figures, using a $100 deductible will cost you about $30 more each month or $360 for a full year across all Dodge Avenger models than choosing the higher $500 deductible. Because you would be required to pay $400 more if you file a claim with a $500 deductible as compared to a $100 deductible, if you have more than 13 months between claim filings, you would save more money by selecting a higher deductible.

Do you qualify for discounts on Dodge Avenger insurance in Baltimore?

Companies offering auto insurance don’t always advertise every discount very well, so the below list has a few of the more well known and the more hidden savings tricks you should be using when you buy Baltimore auto insurance online.Auto insurance discounts

While discounts sound great, it’s important to understand that some of the credits will not apply to the overall cost of the policy. Most only reduce specific coverage prices like liability, collision or medical payments. So even though you would think you would end up receiving a 100% discount, it just doesn’t work that way.

The diagram below illustrates the difference between Dodge Avenger yearly insurance costs with and without discounts applied to the premium. The premium estimates are based on a male driver, no claims, a clean driving record, Maryland state minimum liability limits, comprehensive and collision coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-car, safe-driver, multi-policy, marriage, claim-free, and homeowner discounts applied.

If you would like to choose from a list of insurers that offer discounts in Baltimore, click here.

Good Decisions Result in Lower Insurance Prices

Many different elements are used in the calculation when quoting car insurance. A few of the factors are predictable like a motor vehicle report, but other factors are more transparent like your continuous coverage or your vehicle rating.

The factors shown below are some of the items car insurance companies consider when setting your rates.

Do I need an insurance agent?

Certain consumers would prefer to go talk to an agent and that is OK! A nice benefit of comparing insurance prices online is that drivers can save money and get cheaper rates and also buy local.

By using this simple form, your insurance data is instantly submitted to insurance agents in Baltimore who will give you bids for your car insurance coverage. It simplifies rate comparisons since you won’t have to drive around because prices are sent to your email. You’ll get the best rates without having to waste a lot of time. If you want to compare prices from one company in particular, feel free to jump over to their website and submit a quote form there.

Deciding on an company should include more criteria than just the bottom line cost. These are some valid questions you should ask.

Choose an insurance agent wisely

When researching a good Baltimore insurance agent, you need to know there are two different types of agents and how they differ in how they can insure your vehicles. Agencies in Baltimore are classified as either exclusive or independent (non-exclusive).

Exclusive Agents

Agents in the exclusive channel can only place business with one company and examples are Allstate, State Farm and Farmers Insurance. Exclusive agencies are unable to provide other company’s prices so if the price isn’t competitive there isn’t much they can do. Exclusive agents are well schooled on sales techniques which can be an advantage.

The following is a list of exclusive agencies in Baltimore willing to provide price quote information.

211 Key HwyBaltimore, MD 21230(667) 309-3792View Map

Valerie Cherry – State Farm Insurance Agent
6800 York RoadBaltimore, MD 21212(410) 435-6600View Map

7435 Baltimore Annapolis BlvdGlen Burnie, MD 21061(410) 760-6651View Map

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Independent Insurance Agents

Independent agents are not employed by one company so they have the ability to put coverage with lots of companies and find the cheapest car insurance rates. If prices rise, they can switch companies in-house and that require little work on your part. When comparing car insurance prices, it’s a good idea to include a couple of independent agencies in order to have the best price comparison.

The following is a list of independent insurance agencies in Baltimore that are able to give price quotes.

1826 Woodlawn Dr # 6Baltimore, MD 21207(410) 265-7850View Map

5417 Reisterstown RdBaltimore, MD 21215(410) 358-0411View Map

408 E 25th StBaltimore, MD 21218(410) 366-6566View Map

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What is the best car insurance company in Baltimore?

Ending up with the best insurer can be a challenge considering how many companies are available to choose from in Baltimore. The ranking data shown next can help you select which auto insurers to look at when comparing rate quotes.

Top 10 Baltimore Car Insurance Companies Ranked by Customer Service

  1. USAA
  2. Travelers
  3. Mercury Insurance
  4. AAA Insurance
  5. Nationwide
  6. Safeco Insurance
  7. Progressive
  8. State Farm
  9. The Hartford
  10. The General

Cheap coverage is out there

As you shop your coverage around, do not reduce needed coverages to save money. In many cases, consumers will sacrifice liability coverage limits only to regret at claim time that a couple dollars of savings turned into a financial nightmare. Your goal should be to purchase plenty of coverage for the lowest price but still have enough coverage for asset protection.

There are still a few companies who do not provide internet price quotes and many times these smaller providers only sell through independent agents. Low-cost Dodge Avenger insurance in Baltimore can be found both online as well as from independent agents in Baltimore, so you should be comparing quotes from both to get a complete price analysis.

Additional insurance information can be read at these links: