Insurance rates Dodge Avenger in HonoluluDo you want to stop overpaying and find the cheapest Dodge Avenger insurance in Honolulu? Do you get confused by the dozens of auto insurance sources that you can choose from? There are such a large number of options that it can easily turn into a real difficult job to find lower rates on Dodge Avenger insurance. If you live there, you know that Honolulu has lots to offer, but paying high auto insurance rates makes it very hard to buy full coverage.

It's shocking but the majority of drivers renewed their policy with the same company for well over three years, and roughly 40% of drivers have never even compared rates from other companies. Consumers in Hawaii could save 40% every year by just comparing quotes, but they underestimate the large savings they would see if they swap their current policy for a cheaper one.

It's smart to quote other rates yearly since insurance prices are variable and change quite frequently. Just because you had the best price on Dodge Avenger insurance in Honolulu a few years ago you can probably find a better rate now. Block out anything you think you know about auto insurance because you're about to learn the fastest and easiest way to buy cheaper Dodge Avenger insurance in Honolulu.

Pricing the lowest-priced policy in Honolulu is simple if you know the tricks. Practically every car owner who shops around for car insurance will more than likely find a lower-cost company. But Hawaii vehicle owners do need to know how big insurance companies determine prices and use this information to your advantage.

Get lower-cost rates by taking advantage of discounts

Insuring your fleet can be pricey, but you might already qualify for some discounts that many people don't even know exist. A few discounts will be applied when you get a quote, but lesser-known reductions have to be asked about in order for you to get them. If you are not receiving all the discounts available, you are just wasting money.Cheaper car insurance with discounts

Don't be shocked that some credits don't apply to the entire cost. Most cut the cost of specific coverages such as liability, collision or medical payments. If you do the math and it seems like all those discounts means the company will pay you, car insurance companies aren't that generous. Any qualifying discounts should help reduce your premiums.

To choose insurers who offer online Dodge Avenger insurance quotes in Hawaii, click here to view.

The fastest way that we advise to get policy rate comparisons for Dodge Avenger insurance in Honolulu is to understand all the major auto insurance companies participate in a system to give rate comparisons. To start a quote, the only thing you need to do is give them rating details like if you went to college, how old drivers are, if it has an alarm system, and what your job is. Those rating factors is sent automatically to insurance carriers in your area and they return cost estimate instantly.

To start a rate quote now, click here and enter the information requested.

The providers in the list below have been selected to offer price quotes in Hawaii. If the list has multiple companies, we suggest you compare several of them to get the best price comparison.

Dodge Avenger Insurance Costs in Honolulu, HI
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Avenger Express $196 $476 $338 $20 $102 $1,132 $94
Avenger R/T $166 $328 $300 $18 $90 $902 $75
Avenger SXT $224 $558 $362 $22 $108 $1,274 $106
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Data based on single male driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and Hawaii minimum liability limits. Discounts applied include safe-driver, multi-policy, multi-vehicle, homeowner, and claim-free. Prices do not factor in your specific Honolulu location which can decrease or increase auto insurance rates considerably.

Car insurance deductibles

The information below demonstrates how deductible levels and can influence Dodge Avenger insurance rates for each different age group. The costs are based on a married male driver, full physical damage coverage, and no discounts are factored in.

Deductible analysis

When buying car insurance, a common question is where to set your physical damage deductibles. The rates shown below illustrate how much more you'll pay when you buy lower versus higher deductibles. The first data table uses a $100 deductible and the second price grid uses a $500 deductible.

Dodge Avenger insurance premium rates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Avenger Express $228 $484 $300 $18 $90 $1,145 $95
Avenger R/T $228 $484 $300 $18 $90 $1,145 $95
Avenger SXT $228 $484 $300 $18 $90 $1,145 $95
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Dodge Avenger insurance premium rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Avenger Express $166 $328 $300 $18 $90 $902 $75
Avenger R/T $166 $328 $300 $18 $90 $902 $75
Avenger SXT $166 $328 $300 $18 $90 $902 $75
Get Your Own Custom Quote Go

Data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Hawaii minimum liability limits. Discounts applied include homeowner, multi-vehicle, multi-policy, claim-free, and safe-driver. Rate information does not factor in your specific Honolulu location which can increase or decrease coverage rates greatly.

Based on the above data, using a $100 deductible costs approximately $20 more each month or $240 for a full year than quoting the higher $500 deductible. Since you would have to pay $400 more if you file a claim with a $500 deductible as compared to a $100 deductible, if you go more than 20 months between claims, you would probably come out ahead by going with a higher deductible.

How to determine if higher deductibles are a good idea

Average monthly premium for $100 deductibles: $95
Average monthly premium for $500 deductibles (subtract): - $75
Monthly savings from raising deductible: $20
Difference between deductibles ($500 - $100): $400
Divide difference by monthly savings: $400 / $20
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 20 months

One thing to note is that increasing deductibles to lower your rates means you pay more out-of-pocket when you do file a claim. That will necessitate a higher level of savings in order to pay the deductible to have repairs made.

Rate difference between full and liability-only coverage

The information below illustrates the difference between Dodge Avenger car insurance rates with full coverage and liability only. The price estimates are based on no violations or accidents, $500 deductibles, single male driver, and no discounts are applied.

When to drop full coverage

There isn't a steadfast formula to drop full coverage, but there is a general convention. If the yearly cost for physical damage coverage is more than about 10% of the vehicle's replacement cost less your deductible, the it may be a good time to stop paying for full coverage.

For example, let's pretend your Dodge Avenger book value is $9,000 and you have $1,000 full coverage deductibles. If your vehicle is totaled, you would only receive $8,000 after paying the physical damage deductible. If premiums are more than $800 a year for your policy with full coverage, then it's probably a good time to buy liability coverage only.

There are some scenarios where buying only liability insurance is not in your best interest. If you still owe a portion of the original loan, you have to maintain full coverage as part of the loan requirements. Also, if your emergency fund is not enough to purchase a different vehicle in the event your current vehicle is totaled, you should not opt for liability only.

Shop online but buy locally

A small number of people would prefer to talk to a local agent and doing that can be a smart decision The biggest benefit of getting free rate quotes online is you may find better rates and still have an agent to talk to. And providing support for local insurance agents is still important in Honolulu.

Honolulu insurance agentsTo help locate an agent, after submitting this form (opens in new window), the quote information is sent to agents in your area who will gladly provide quotes for your coverage. It makes it easy because there is no need to contact an agency since price quotes are sent directly to you. You can find better rates AND an agent nearby. If you need to get a price quote from a specific company, you can always find their quoting web page and give them your coverage information.

Multiple types of auto insurance agents in Honolulu

If you prefer to buy auto insurance from a reputable agency, you need to know there are two different types of agents from which to choose. Insurance agencies in Honolulu can be classified as either independent agents or exclusive agents depending on their employer.

Independent Auto Insurance Agencies

These type of agents do not have single company limitations and that is an advantage because they can write policies with any number of different companies and help determine which has the cheapest rates. To transfer your coverage to a different company, they simply move the coverage in-house without you having to go to a different agency. When comparison shopping, it's a good idea to compare prices from multiple independent agents so that you can do a thorough price comparison. Most have the option of insuring with additional companies that you may not be familiar with which can be an advantage.

Below are independent insurance agencies in Honolulu who may provide comparison quotes.

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Exclusive Auto Insurance Agencies

Agents of this type normally can only provide a single company's rates and examples are Farmers Insurance, State Farm, or Allstate. Exclusive agents cannot provide other company's prices so they are skilled at selling on more than just price. These agents receive extensive training on what they offer which helps them sell insurance even at higher premiums. Many people buy from exclusive agents primarily because of the brand legacy and the convenience of having all coverages with one company.

Listed below is a list of exclusive insurance agents in Honolulu that are able to give comparison quotes.

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Finding a good car insurance agent should include more criteria than just the price. Some important questions to ask are:

Shop around and save

Budget-conscious Dodge Avenger insurance can be bought from both online companies and also from your neighborhood Honolulu agents, so get free Honolulu auto insurance quotes from both of them in order to have the best price selection to choose from. There are still a few companies who do not offer price quotes online and usually these regional carriers sell through independent insurance agencies.

We just showed you some good ideas how to compare Dodge Avenger insurance car insurance rates in Honolulu. The key thing to remember is the more quotes you get, the better likelihood of getting the cheapest Dodge Avenger rate quotes. You may even find the lowest car insurance rates are with a small local company.

When buying insurance coverage, don't be tempted to skimp on critical coverages to save a buck or two. There are many occasions where someone dropped physical damage coverage only to discover later they didn't purchase enough coverage. The ultimate goal is to purchase a proper amount of coverage for the lowest price, not the least amount of coverage.

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