Insurance rates Dodge Avenger in HendersonI really doubt anyone likes having to buy auto insurance, in particular when their premiums are too high.

It's shocking but the vast majority of consumers have remained with the same auto insurance company for four years or more, and approximately 40% of consumers have never shopped around. Most drivers in the United States can save hundreds of dollars each year by just comparing quotes, but they don't know the rate savings if they replace their high priced policy. There is such a variety of auto insurance companies to choose from, and although it's nice to have a choice, lots of choices makes it harder to locate the cheapest rates for Dodge Avenger insurance in Henderson.

The following companies can provide price quotes in Henderson, NV. If multiple companies are shown, we recommend you click on several of them to find the most affordable car insurance rates.

Dodge Avenger Insurance Rates in Henderson, NV
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Avenger Express $126 $292 $366 $22 $110 $916 $76
Avenger R/T $134 $274 $358 $22 $108 $896 $75
Avenger SXT $204 $486 $394 $24 $118 $1,226 $102
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Cost estimates assume single male driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and Nevada minimum liability limits. Discounts applied include claim-free, multi-policy, safe-driver, homeowner, and multi-vehicle. Premium amounts do not factor in vehicle location which can revise insurance rates substantially.

Illustration showing the impact of accidents and violations

The example below shows how violations and at-fault accidents can raise Dodge Avenger auto insurance costs for each age group. The prices are based on a single female driver, full physical damage coverage, $500 deductibles, and no discounts are applied to the premium.

Dodge Avenger insurance rates: Men versus women

The illustration below illustrates the difference between Dodge Avenger insurance rates for male and female drivers. The costs are based on no claims or driving citations, full coverage, $1,000 deductibles, drivers are not married, and no discounts are taken into consideration.

Raise deductibles and save

One of the more difficult decisions when buying auto insurance is how high should the physical damage deductibles be. The figures shown below sum up the costs and benefits between low and high coverage deductibles. The first table uses a $100 deductible for physical damage and the second rate table uses a $1,000 deductible.

Dodge Avenger insurance prices with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Avenger Express $266 $564 $348 $20 $104 $1,327 $111
Avenger R/T $266 $564 $348 $20 $104 $1,327 $111
Avenger SXT $266 $564 $348 $20 $104 $1,327 $111
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Dodge Avenger insurance prices with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Avenger Express $148 $298 $348 $20 $104 $918 $77
Avenger R/T $148 $298 $348 $20 $104 $918 $77
Avenger SXT $148 $298 $348 $20 $104 $918 $77
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Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and Nevada minimum liability limits. Discounts applied include multi-vehicle, claim-free, multi-policy, homeowner, and safe-driver. Rate information does not factor in your specific Henderson location which can influence insurance rates considerably.

Based on the figures above, using a $100 deductible costs roughly $34 more each month or $408 for a full year than quoting the higher $1,000 deductible. Because you would be required to pay $900 more out-of-pocket with a $1,000 deductible as compared to a $100 deductible, if you usually have at least 26 months between claims, you would save more money if you decide on a higher deductible.

Big brands don't always mean big savings

Nevada consumers can't get away from all the ads that claim the best rates from the likes of State Farm, GEICO and Progressive. They all convey the message that drivers can save some big amount if you get a free Henderson auto insurance quote and switch your policy.

How do they all give you a better price on Dodge Avenger insurance in Henderson? It's all in how they say it.

Most companies look for specific characteristics for the type of driver that will generate a profit. One example of a desirable risk could possibly be a married female, has a clear driving record, and has a high credit rating. Someone who matches that profile will get the preferred rates in Henderson and will cut their rates substantially.

Consumers who are not a match for these standards will see a more expensive rate and ends up with the customer buying from a different company. If you listen closely, the ads state "people that switch" but not "all drivers who get quotes" save the amount stated. That is how companies can truthfully make claims that they all have the best car insurance rates.

This really drives home the point why it is so important to get Henderson auto insurance quotes as often as possible. You cannot predict with any certainty which company will provide the lowest Dodge Avenger insurance in Henderson.

Why you need Dodge vehicle insurance in Nevada

Despite the potentially high cost of Dodge Avenger insurance, maintaining insurance may not be optional for several reasons.

The benefits of insuring your car are without a doubt worth the cost, especially if you ever need it. According to a recent study, the average American driver is overpaying over $855 a year so it's important to compare rates each time the policy renews to make sure the price is not too high.

Score discounts to get cheaper Henderson insurance quotes

Some providers don't always advertise every discount they offer in an easy-to-find place, so the list below details both the well known as well as the least known credits available to lower your premiums when you buy Henderson auto insurance online. If you don't get every credit possible, you are paying more than you should be.Cheaper insurance with discounts

As a sidenote, some of the credits will not apply to the entire policy premium. A few only apply to individual premiums such as physical damage coverage or medical payments. Despite the appearance that all those discounts means the company will pay you, insurance companies aren't that generous.

If you would like to choose from a list of companies that offer discounts in Henderson, click here to view.

Compare rates but work with a local Henderson insurance agent

Certain consumers just prefer to sit down and talk to an agent and that is a personal choice. Professional insurance agents are highly skilled in risk management and will help you if you have claims. The best thing about comparing rate quotes online is the fact that you can find lower premium rates but still work with a licensed agent. Buying from and supporting local insurance agencies is important particularly in Henderson.

To find an agent, once you fill out this short form, your coverage information is immediately sent to insurance agents in Henderson who will return price quotes for your car insurance coverage. You don't have to do any legwork because prices are sent directly to your email. If you have a need to compare prices from one company in particular, you just need to visit that company's website and fill out the quote form the provide.

Different types of car insurance agents in Henderson

When researching a local Henderson insurance agency, it can be helpful to understand the different types of agencies and how they can quote your rates. Agencies in Henderson can be classified as either independent or exclusive. Both can sell car insurance policies, but it's worth learning the differences since it can impact the type of agent you choose.

Independent Car Insurance Agencies or Brokers

Independent insurance agents do not work for one specific company so they can quote policies with a variety of different insurance companies and find you the best rates. If they find a cheaper price, they simply move the coverage in-house and you can keep the same agent.

When shopping rates, you should always check rates from several independent agencies so that you have a good selection of quotes to compare.

Listed below is a partial list of independent insurance agents in Henderson that may be able to give free car insurance rate quotes.

1120 Wigwam Pkwy #100 - Henderson, NV 89052 - (702) 430-7764 - View Map

1399 Galleria Dr #201 - Henderson, NV 89014 - (702) 871-0001 - View Map

Avenue Insurance Agency
1258 Rising Cloud Cir - Henderson, NV 89052 - (702) 933-3289 - View Map

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Exclusive Insurance Agents

These type of agents can only write with one company and examples are AAA, State Farm, Farmers Insurance, and Allstate. Exclusive agents cannot provide other company's prices so it's a take it or leave it situation. Exclusive insurance agents are very knowledgeable on the products they sell and that enables them to sell even at higher rates.

Listed below are exclusive insurance agents in Henderson that can give you comparison quotes.

213 N Stephanie St f - Henderson, NV 89074 - (702) 260-9800 - View Map

3215 St Rose Pkwy Ste 120 - Henderson, NV 89052 - (702) 233-8372 - View Map

325 W Lake Mead Pkwy - Henderson, NV 89015 - (702) 565-9743 - View Map

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Choosing the best insurance agency requires more thought than just the bottom line cost. These questions are important to ask:

Different people need different auto insurance coverages

When quoting and choosing your policy, there is no single plan that fits everyone. Each situation is unique.Drive safe and save

For example, these questions may help highlight if your insurance needs would benefit from an agent's advice.

If you can't answer these questions, you may need to chat with an insurance agent. If you want to speak to an agent in your area, take a second and complete this form. It only takes a few minutes and you can get the answers you need.

Auto insurance coverage breakdown

Understanding the coverages of a auto insurance policy can help you determine appropriate coverage and proper limits and deductibles. The terms used in a policy can be impossible to understand and nobody wants to actually read their policy.

Medical payments coverage and PIP

Coverage for medical payments and/or PIP kick in for immediate expenses for funeral costs, X-ray expenses, nursing services and dental work. They can be utilized in addition to your health insurance program or if you lack health insurance entirely. Coverage applies to not only the driver but also the vehicle occupants in addition to any family member struck as a pedestrian. PIP coverage is not universally available but can be used in place of medical payments coverage

Comprehensive coverage

This coverage pays for 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 such as rock chips in glass, theft and a broken windshield. The most you'll receive from a claim is the ACV or actual cash value, so if the vehicle is not worth much it's probably time to drop comprehensive insurance.

Liability auto insurance

Liability coverage can cover injuries or damage you cause to a person or their property in an accident. It protects YOU against other people's claims. It does not cover your injuries or vehicle damage.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have liability limits of 15/30/10 that means you have $15,000 in coverage for each person's injuries, a limit of $30,000 in injury protection per accident, and a limit of $10,000 paid for damaged property. Alternatively, you may have one number which is a combined single limit which limits claims to one amount and claims can be made without the split limit restrictions.

Liability can pay for things like medical expenses, emergency aid and loss of income. How much liability coverage do you need? That is up to you, but it's cheap coverage so purchase higher limits if possible. Nevada state minimum liability requirements are 15/30/10 but you should think about purchasing more liability than the minimum.

Uninsured/Underinsured Motorist coverage

Your UM/UIM coverage gives you protection when the "other guys" either have no liability insurance or not enough. This coverage pays for injuries to you and your family as well as your vehicle's damage.

Since a lot of drivers only carry the minimum required liability limits (15/30/10), it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is important protection for you and your family. Usually these coverages do not exceed the liability coverage limits.

Collision coverage

This pays for damage to your Avenger from colliding with an object or car. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for things like driving through your garage door, rolling your car, colliding with a tree and crashing into a ditch. This coverage can be expensive, so consider removing coverage from older vehicles. It's also possible to bump up the deductible on your Avenger to save money on collision insurance.

Smart shoppers get results

Some insurance providers may not have rates over the internet and many times these smaller providers prefer to sell through local independent agencies. Cost effective Dodge Avenger insurance is available both online and from local agencies, and you should be comparing both to have the best rate selection.

People change insurance companies for any number of reasons including being labeled a high risk driver, not issuing a premium refund, lack of trust in their agent and delays in paying claims. Regardless of your reason for switching companies, finding a great new company is actually quite simple.

When trying to cut insurance costs, you should never reduce coverage to reduce premium. There are a lot of situations where consumers will sacrifice collision coverage and discovered at claim time that the small savings ended up costing them much more. Your aim should be to buy a smart amount of coverage at a price you can afford, but don't skip important coverages to save money.

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