How to Save on Dodge Avenger Insurance in Oklahoma City

Having to pay for pricey car insurance in Oklahoma City can stress out your accounts and force you to make tough financial choices. Price shopping at each renewal is a great way to make sure you’re not throwing money away.

It’s a known fact that insurance companies want to prevent you from shopping around. Drivers who shop around for the cheapest rate will most likely buy a new policy because of the good chance of finding lower rate quotes. Remarkably, a study showed that drivers who shopped around annually saved $3,500 over four years compared to those who never shopped around for cheaper prices.

If finding budget-friendly insurance in Oklahoma City is your goal, then learning a little about how to find companies and compare coverage rates can save time and make the process easier.

Popular companies such as GEICO, 21st Century and Progressive all promote huge savings with advertising and it is challenging if not impossible to ignore the flying pigs and cute green geckos and find the best price available.

If you are paying for car insurance now, you will be able to buy cheaper car insurance using the techniques covered below. Choosing the most cost-effective car insurance policy in Oklahoma City seems hard but is not really that difficult. Although Oklahoma drivers must learn the way companies calculate your car insurance rates because it can help you find the best coverage.

Best companies for Dodge Avenger insurance

The companies shown below are ready to provide quotes in Oklahoma. If multiple providers are shown, we suggest you visit as many as you can to get the best price comparison.

Rates and other information

The price information shown next showcases detailed analysis of insurance rates for Dodge Avenger models. Having a better understanding of how insurance quotes are figured can help you make decisions when choosing a new policy provider.

Data variables include single male driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and Oklahoma minimum liability limits. Discounts applied include homeowner, multi-vehicle, claim-free, multi-policy, and safe-driver. Prices do not factor in vehicle location which can alter premium rates considerably.

Deductible comparison

A question often asked by Oklahoma City drivers is which comprehensive and collision deductibles to buy. The comparisons below help summarize the rate fluctuation between high and low coverage deductibles. The first data set uses a $100 comprehensive and collision deductible and the second price table uses a $500 deductible.

Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and Oklahoma minimum liability limits. Discounts applied include claim-free, multi-policy, homeowner, safe-driver, and multi-vehicle. Rate information does not factor in zip code location which can increase or decrease premiums greatly.

Using the data above, we can ascertain that using a $100 deductible will cost in the ballpark of $33 more each month or $396 for a full year averaged for all Avenger models than quoting the higher $500 deductible. Since you would have to pay $400 more out-of-pocket with a $500 deductible as compared to a $100 deductible, if you normally average at least 12 months between claims, you would most likely save money going with the higher deductible.

One big caveat is that a higher deductible means you will have to pay more of your own money when you have a physical damage claim. That will require enough money stashed away in the event you have to pay more for the deductible.

Impact of citations and accidents on insurance rates

The illustration below shows how speeding tickets and at-fault fender-benders can affect Dodge Avenger insurance costs for different ages of insureds. The costs are based on a single female driver, comprehensive and collision coverage, $250 deductibles, and no discounts are applied to the premium.

Yearly car insurance costs for men versus women

The chart below shows the difference between Dodge Avenger insurance costs for male and female drivers. The price estimates are based on no violations or claims, comprehensive and collision coverage, $100 deductibles, marital status is single, and no discounts are factored in.

Do you need full coverage?

The illustration below compares Dodge Avenger insurance prices when comparing full coverage to state minimum liability only. The premium estimates are based on no violations or claims, $1,000 deductibles, drivers are single, and no other discounts are factored in.

Should you pay for full coverage?

There is no clear-cut rule for excluding comprehensive and collision coverage on your policy, but there is a general school of thought. If the annual cost of having full coverage is about 10% or more of any settlement you would receive from your insurance company, then it might be time to consider dropping full coverage.

For example, let’s pretend your Dodge Avenger replacement cost is $8,000 and you have $1,000 physical damage deductibles. If your vehicle is destroyed, the most your company will settle for is $7,000 after paying the physical damage deductible. If you are paying in excess of $700 a year for your policy with full coverage, the it may be a good time to stop paying for full coverage.

There are some situations where removing full coverage is not in your best interest. If you still owe a portion of the original loan, you must maintain physical damage coverage as part of the loan conditions. Also, if you don’t have enough money to buy a different vehicle if your current one is damaged, you should maintain full coverage.

Don’t overlook these Dodge Avenger insurance discounts

Auto insurance companies do not advertise all possible discounts very clearly, so the following is a list of a few of the more well known and also the lesser-known savings tricks you should be using when you buy Oklahoma City auto insurance online. If you don’t get every credit you deserve, it’s possible you qualify for a lower rate.

• Payment Discounts – If you can afford to pay the entire bill rather than paying in monthly installments you could save up to 5%.
• Defensive Driver – Taking part in a course in defensive driver could save 5% or more and easily pay for the cost of the class.
• Data Collection Discounts – Insureds who allow driving data submission to track when and where they use their vehicle through the use of a telematics system such as Progressive’s Snapshot may see discounts if they are good drivers.
• E-sign Discounts – A few companies provide a small discount get Oklahoma City auto insurance over the internet.
• Anti-lock Brake Discount – Anti-lock brake equipped vehicles are much safer to drive so you can save 10 percent or more.
• Student Discounts – Maintaining excellent grades can get you a discount of up to 25%. The good student discount can last up to age 25.
• Oklahoma City Homeowners Pay Less – Just being a homeowner may trigger a policy discount on car insurance because it demonstrates responsibility.
• College Student Discount – Kids who are enrolled in a college that is more than 100 miles from Oklahoma City and do not have access to a covered vehicle can receive lower rates.
• Senior Discount – If you qualify as a senior citizen, you may qualify for reduced rates.
• Cautious Drivers – Insureds who avoid accidents may save up to 50% more than drivers with accident claims.

A little note about advertised discounts, most of the big mark downs will not be given to the whole policy. Most cut the cost of specific coverages such as physical damage coverage or medical payments. Even though it may seem like all those discounts means the company will pay you, you’re out of luck.

The information below shows the difference between Dodge Avenger yearly insurance costs with and without policy discounts. The information is based on a male driver, no claims or driving violations, Oklahoma state minimum liability limits, full coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with claim-free, marriage, safe-driver, multi-car, homeowner, and multi-policy discounts applied.

A list of companies and a selection of discounts are:

• State Farm may offer discounts for good student, student away at school, multiple autos, Steer Clear safe driver discount, anti-theft, and driver’s education.
• Farmers Insurance may include discounts for good student, youthful driver, homeowner, electronic funds transfer, and business and professional.
• GEICO offers discounts for multi-policy, seat belt use, five-year accident-free, federal employee, anti-lock brakes, air bags, and defensive driver.
• American Family has discounts for mySafetyValet, accident-free, TimeAway discount, good student, bundled insurance, and defensive driver.
• Nationwide policyholders can earn discounts including multi-policy, anti-theft, Farm Bureau membership, family plan, and defensive driving.
• Progressive offers premium reductions for multi-vehicle, homeowner, online signing, continuous coverage, online quote discount, and good student.

When quoting, ask each company how many discounts you can get. Savings might not apply everywhere. For a list of providers offering car insurance discounts in Oklahoma City, click here to view.

Buying auto insurance from Oklahoma City insurance agents

Many drivers just want to buy from a local agent and that is a smart decision One of the benefits of comparing auto insurance online is that drivers can save money and get better rates but also keep your business local.

To find an agent, once you fill out this form (opens in new window), your information is emailed to local insurance agents in Oklahoma City who will give you quotes for your auto insurance coverage. There is no reason to search for any insurance agencies since price quotes are sent to your email. You can find better rates AND a local agent. If you want to get a comparison quote from a specific auto insurance provider, you can always navigate to their website and fill out their quote form.

Picking an insurance company should depend on more than just a low price. Some important questions to ask are:

• Are there any extra charges for paying monthly?
• Does the company use OEM repair parts?
• Does the company allow you to choose your own collision repair facility?
• Which companies do they recommend if they are an independent agency?
• Are they in the agency full-time?
• Do they offer rental car reimbursement?
• What insurance company do they write the most business with?
• Do the agents have professional certifications like CPCU or CIC?

If you want to use a reliable insurance agent, it’s important to understand the different agency structures that differ in how they can insure your vehicles. Insurance agencies in Oklahoma City are either independent or exclusive depending on the company they work for.

Exclusive Agents

Agents in the exclusive channel can only place business with one company and some examples include Farmers Insurance and State Farm. They usually cannot provide rate quotes from other companies so it’s a take it or leave it situation. These agents are well trained on sales techniques which helps overcome the inability to quote other rates.

Below is a short list of exclusive agents in Oklahoma City who can help you get comparison quotes.

More insurance agents

Independent Agencies or Brokers

Agents that choose to be independent do not write with just one company so they can insure your vehicles with multiple insurance companies and potentially find a lower price. If prices rise, your policy is moved internally and the insured can keep the same agent.

If you are comparing auto insurance prices, you definitely need to include several independent agencies to have the best price comparison.

The following is a short list of independent agents in Oklahoma City that can give you comparison quotes.

More insurance agents

After receiving answers to your satisfaction to any questions you may have as well as cheaper Avenger insurance quotes, it’s a good possibility that you have found a car insurance agent that can be trusted to properly service your auto insurance policy.

Don’t give up on cheaper rates

As you go through the steps to switch your coverage, it’s a bad idea to buy lower coverage limits just to save a few bucks. Too many times, someone dropped comprehensive coverage or liability limits only to regret at claim time they didn’t have enough coverage. Your goal should be to purchase a proper amount of coverage for the lowest cost, but do not sacrifice coverage to save money.

We just presented some good ideas how to lower your Dodge Avenger insurance rates in Oklahoma City. The key concept to understand is the more rate quotes you have, the higher the chance of saving money. You may even find the best rates are with a smaller regional carrier. They may have significantly lower car insurance rates on certain market segments compared to the large companies like Progressive or GEICO.

Steps to finding more affordable Dodge Avenger insurance in Oklahoma City

To save the most money, the best way to get cheaper Dodge Avenger insurance in Oklahoma City is to regularly compare price quotes from companies who provide car insurance in Oklahoma. You can compare rates by following these guidelines.

1. Try to learn a little about how companies price auto insurance and the factors you can control to drop your rates. Many factors that result in higher prices such as multiple speeding tickets and poor credit can be rectified by paying attention to minor details.
2. Compare rates from independent agents, exclusive agents, and direct companies. Exclusive agents and direct companies can only give prices from one company like Progressive or Allstate, while agents who are independent can quote rates for many different companies. Find an Oklahoma City insurance agent
3. Compare the new rate quotes to your current policy to see if cheaper Avenger coverage is available. If you can save some money and change companies, ensure coverage does not lapse between policies.
4. Give notification to your agent or company to cancel your current auto insurance policy and submit the completed application along with a down payment for the new policy. As soon as you can, place the new certificate of insurance somewhere easily accessible.

The critical component of shopping around is that you’ll want to make sure you compare identical coverage information on each quote and to quote with every insurance company. This provides the most accurate price comparison and the best price quote selection.

Much more information about insurance in Oklahoma can be read at these links:

• Teen Driving Statistics (iihs.org)
• Who Has Cheap Oklahoma City Car Insurance Quotes for a Company Car? (FAQ)
• What Insurance is Cheapest for Ride Shares in Oklahoma City? (FAQ)
• Who Has the Cheapest Oklahoma City Auto Insurance for Good Students? (FAQ)
• What is a Telematics Device? (Allstate)
• Event Data Recorders FAQ (iihs.org)