Car Insurance Rates for a Dodge Avenger in Kansas City

Insurance for Dodge AvengerIf saving the most money is your goal, then the best way to get the cheapest Dodge Avenger insurance in Kansas City is to compare prices regularly from different companies who sell auto insurance in Missouri.

  1. Try to understand individual coverages and the factors you can control to lower rates. Many risk factors that increase rates like tickets, at-fault accidents, and an imperfect credit rating can be improved by paying attention to minor details. This article provides additional tips to lower rates and find overlooked discounts.
  2. Request price quotes from exclusive agents, independent agents, and direct providers. Exclusive and direct companies can only give rate quotes from one company like Progressive or Farmers Insurance, while independent agencies can provide price quotes from many different companies.
  3. Compare the new rate quotes to your existing rates and see if you can save money. If you can save money and make a switch, ensure coverage does not lapse between policies.
  4. Provide written notification to your current company of your intent to cancel your current auto insurance policy and submit a down payment along with a signed application to your new insurance company. As soon as you receive it, keep the new certificate verifying coverage in your vehicle’s glove compartment or console.

An important bit of advice to remember is to make sure you enter the same level of coverage on every quote request and and to compare as many auto insurance providers as possible. This helps ensure an accurate price comparison and and a good selection of different prices.

A recent survey discovered that a large majority of drivers renewed their policy with the same company for more than four years, and just short of a majority have never taken the time to shop around. Drivers in Missouri can cut their rates by roughly 25% a year just by comparing rates, but most undervalue the rate savings if they switched.

The companies shown below provide price quotes in Kansas City, MO. In order to find cheap auto insurance in Kansas City, we suggest you click on several of them to get the best price comparison.

Dodge Avenger coverage statistics

The coverage table displayed next covers detailed analysis of insurance coverage prices for Dodge Avenger models. Having knowledge of how insurance policy premiums are determined is important for making smart choices when comparing insurance rates.

Dodge Avenger Insurance Rates in Kansas City, MO
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Avenger Express $234 $408 $394 $24 $118 $1,178 $98
Avenger R/T $234 $408 $394 $24 $118 $1,178 $98
Avenger SXT $234 $408 $394 $24 $118 $1,178 $98
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Table data represents single male driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Missouri minimum liability limits. Discounts applied include multi-policy, multi-vehicle, claim-free, homeowner, and safe-driver. Price estimates do not factor in Kansas City location which can revise insurance rates significantly.

Physical damage deductibles: Should you raise them?

One of the hardest decisions when shopping for auto insurance is where should you set your physical damage deductibles. The premium rates below show the price difference when you buy lower versus higher physical damage coverage deductibles. The first rate estimation uses a $100 deductible for comprehensive and collision coverage and the second rate table uses a $1,000 deductible.

Dodge Avenger insurance with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Avenger Express $230 $488 $302 $18 $90 $1,153 $96
Avenger R/T $230 $488 $302 $18 $90 $1,153 $96
Avenger SXT $230 $488 $302 $18 $90 $1,153 $96
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Dodge Avenger insurance with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Avenger Express $128 $258 $302 $18 $90 $796 $66
Avenger R/T $128 $258 $302 $18 $90 $796 $66
Avenger SXT $128 $258 $302 $18 $90 $796 $66
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Data variables include married male driver age 30, no speeding tickets, no at-fault accidents, and Missouri minimum liability limits. Discounts applied include claim-free, multi-policy, multi-vehicle, homeowner, and safe-driver. Price information does not factor in specific zip code location which can increase or decrease insurance rates greatly.

We can derive from the above data that using a $100 deductible costs about $30 more each month or $360 each year than quoting the higher $1,000 deductible. Since you would have to pay $900 more out of your own pocket with a $1,000 deductible as compared to a $100 deductible, if you tend to go more than 30 months between claim filings, you would more than likely save some money going with the higher deductible.

Auto insurance rates by gender and age in Kansas City

The chart below illustrates the comparison of Dodge Avenger car insurance costs for male and female drivers. The data assumes no accidents, no driving violations, full coverage, $1,000 deductibles, marital status is single, and no discounts are factored in.

Dodge Avenger full coverage rates compared to liability only

The diagram below shows the difference between Dodge Avenger insurance rates with full physical damage coverage compared to only buying liability only. The information is based on no accidents or driving violations, $250 deductibles, single status, and no other discounts are factored in.

When to stop buying full coverage

There is no exact rule of when to eliminate physical damage coverage on your policy, but there is a guideline you can use. If the yearly cost for physical damage coverage is about 10% or more of the settlement you would receive from your company, the it may be a good time to stop paying for full coverage.

For example, let’s pretend 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 paying the physical damage deductible. If premiums are more than $700 annually for comprehensive and collision coverage, then it’s probably a good time to buy liability coverage only.

There are some situations where dropping full coverage is not in your best interest. If you haven’t paid off your loan, you must maintain physical damage coverage to satisfy the loan requirements. Also, if your finances do not allow you to purchase a different vehicle in case of an accident, you should not consider dropping full coverage.

Why Your Insurance Costs might be higher

When buying insurance it’s important to understand the factors that play a part in calculating the rates you pay for insurance. If you have some idea of what impacts premium levels, this helps enable you to make changes that will entitle you to lower rates.

Auto insurance does more than just repair your car

Even though it’s not necessarily cheap to insure a Dodge in Kansas City, insurance may be mandatory for several reasons.

The benefits of buying enough insurance are without a doubt worth the cost, especially with large liability claims. The average driver in America is overpaying more than $810 a year so it’s recommended you shop around at least once a year to save money.