Locating low-cost insurance for a new or used Dodge Avenger in California can turn out to be a lot of work, but you can use these tips and make it easy. There is a better way to buy car insurance so you’re going to learn the absolute fastest way to compare rates for a Dodge and locate the lowest possible price from Oakland insurance agents and online providers.
Locating the most cost-effective car insurance policy in Oakland is not rocket science. If you are insured now or just want to save money, you can use these tips to buy cheaper car insurance and still have adequate protection. Shoppers just need to use the proper methods to compare price quotes from many different companies.
Cheap Dodge Avenger insurance in Oakland
Insurance can be prohibitively expensive, but companies offer discounts that may help make it more affordable. Many of these discounts will be applied automatically at the time you complete a quote, but occasionally some discounts must be specifically requested prior to receiving the credit. If you don’t get every credit possible, you are throwing money away.
- One Accident Forgiven – This one is not really a discount per se, but companies like Allstate and GEICO permit an accident without getting socked with a rate hike if you have no claims before the accident.
- Homeowners Savings – Owning your own home or condo can save you money because owning a home requires personal responsibility.
- Good Students Pay Less – Being a good student could provide a savings of up to 20% or more. The good student discount can last well after school through age 25.
- Senior Citizen Discount – Older drivers can get a small discount on rates.
- Military Deployment Discount – Being deployed with a military unit may lower your rates slightly.
As a disclaimer on discounts, most discounts do not apply to all coverage premiums. Some only apply to specific coverage prices like collision or personal injury protection. Just because you may think you could get a free insurance policy, that’s just not realistic. Any qualifying discounts will lower your overall bill.
The illustration below illustrates the difference between Dodge Avenger auto insurance rates with and without discounts applied to the policy rates. The premiums assume a female driver, no accidents, no driving violations, California state minimum liability limits, comp and collision included, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with marriage, multi-policy, homeowner, claim-free, safe-driver, and multi-car discounts applied.
To locate insurance companies that have a full spectrum of discounts in California, click this link.
Most major insurance companies give coverage prices direct online. This process doesn’t take a lot of time because you just enter your coverage preferences as detailed in the form. Once entered, their rating system collects credit information and your driving record and generates pricing information based on the data you entered.
Quoting online for Dodge Avenger insurance in Oakland streamlines rate comparisons, and it is imperative to perform this step if you want to find the lowest possible payments on car insurance.
To save time and compare pricing, compare rates now from the companies shown below. If you have a policy now, it’s recommended that you enter the coverage information exactly as they are listed on your policy. Doing this guarantees you will have an apples-to-apples comparison for similar insurance coverage.
The providers in the list below have been selected to offer comparison quotes in California. If you want to find the best car insurance in Oakland, it’s highly recommended you visit several of them to get the cheapest price.
Car insurance statistics and figures
The premium table shown next highlights different coverage costs for Dodge Avenger models. Having insight into how rates are formulated can help customers make smart choices when choosing a car insurance company.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Avenger Express | $164 | $362 | $480 | $28 | $144 | $1,178 | $98 |
| Avenger R/T | $164 | $362 | $480 | $28 | $144 | $1,178 | $98 |
| Avenger SXT | $164 | $362 | $480 | $28 | $144 | $1,178 | $98 |
| Get Your Own Custom Quote Go | |||||||
Prices above based on married male driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and California minimum liability limits. Discounts applied include multi-vehicle, homeowner, safe-driver, claim-free, and multi-policy. Estimates do not factor in Oakland location which can decrease or increase prices considerably.
Should you raise deductibles?
A question often asked by Oakland drivers is where to set your physical damage deductibles. The data tables below can help illustrate how much more you’ll pay between high and low physical damage deductibles. The first set of rates uses a $100 deductible for comprehensive and collision coverage and the second pricing table uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Avenger Express | $380 | $810 | $500 | $30 | $150 | $1,895 | $158 |
| Avenger R/T | $380 | $810 | $500 | $30 | $150 | $1,895 | $158 |
| Avenger SXT | $380 | $810 | $500 | $30 | $150 | $1,895 | $158 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Avenger Express | $210 | $426 | $500 | $30 | $150 | $1,316 | $110 |
| Avenger R/T | $210 | $426 | $500 | $30 | $150 | $1,316 | $110 |
| Avenger SXT | $210 | $426 | $500 | $30 | $150 | $1,316 | $110 |
| Get Your Own Custom Quote Go | |||||||
Table data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include claim-free, multi-vehicle, homeowner, safe-driver, and multi-policy. Estimates do not factor in specific location information which can revise premiums significantly.
Based on the above data, using a $100 deductible costs an average of $48 more each month or $576 each year across all Dodge Avenger models than quoting the higher $1,000 deductible. Since you would have to pay $900 more if you file a claim with a $1,000 deductible as compared to a $100 deductible, if you tend to go more than 19 months between claims, you would probably come out ahead if you choose the higher deductible.
The diagram below shows how different deductible levels and can raise or lower Dodge Avenger insurance prices for different age groups. The costs are based on a married male driver, full coverage, and no discounts are applied to the premium.
How You Can Control Dodge Avenger Insurance Premiums
Multiple criteria are part of the equation when you get a price on insurance. Some of the criteria are obvious such as your driving record, but other factors are more obscure such as whether you are married or how financially stable you are.
Pay more out-of-pocket – Insurance for physical damage, termed comprehensive and collision coverage on your policy, is used to repair damage to your Dodge. Some coverage claims are a dented fender, vandalism, and damage caused by flying debris. Physical damage deductibles define the amount you are required to pay in the event of a claim. The higher the amount the insured has to pay upfront, the less money you will pay for car insurance.
Gender and insurance coverage rates – Over the last 50 years, statistics have shown that women are safer drivers than men. That doesn’t necessarily mean that males are worse at driving than females. Both sexes tend to get into at-fault accidents in similar percentages, but the male of the species have accidents that have higher claims. Men also get ticketed for serious violations like DWI (DUI) or reckless driving.
The chart below shows the comparison of Dodge Avenger car insurance costs for male and female drivers. Data assumes no accidents or driving violations, comprehensive and collision coverage, $1,000 deductibles, marital status is single, and no discounts are applied.
Qualify for multi-policy discounts – Most companies give lower prices to policyholders that have more than one policy. It’s known as a multi-policy discount. Even though this discount sounds good, consumers should still compare other Oakland Avenger insurance rates to make sure you are getting the best deal. Consumers may find better rates by splitting coverages up.
Accidents can be expensive – Even a single speeding ticket can increase rates twenty percent or more. Drivers who don’t get tickets tend to pay less for car insurance compared to drivers with tickets. Drivers who have received severe violations such as DUI, reckless driving or excessive speeding might be required by their state to complete a SR-22 with their state’s department of motor vehicles in order to legally drive.
The diagram below illustrates how traffic citations and at-fault fender-benders can affect Dodge Avenger car insurance costs for different ages of insureds. The costs are based on a married male driver, comprehensive and collision coverage, $250 deductibles, and no other discounts are factored in.
Should I contact an insurance agency?
A small number of people prefer to have an agent’s advice and we recommend doing that Experienced insurance agents can answer important questions and help in the event of a claim. A nice benefit of getting free rate quotes online is that you can find lower rates and also buy local.
To help locate an agent, after submitting this form (opens in new window), your insurance data gets sent to insurance agents in Oakland that give free quotes for your auto insurance coverage. There is no need to visit any agencies since rate quotes are delivered to your email. If for some reason you want to get a price quote from a particular provider, feel free to navigate to their website and complete a quote there.
Deciding on an provider shouldn’t rely on just a cheap price. These are some valid questions you should ask.
- Will their companies depreciate repairs to your car based on the mileage?
- What will you get paid if your car is a total loss? How is that amount determined?
- Do they get paid more for recommending certain coverages?
- Does the agent have a valid license to sell insurance in California?
- Is every driver in your family covered?
- By raising physical damage deductibles, how much would you save?
- If you are a high risk driver, do they have special markets for your coverage?
- Is working in the agency their full-time job?
If you prefer to buy auto insurance from a reliable agent, it helps to know the two different types of agencies and how they are distinctly different. Agents may be either independent agents or exclusive agents. Both can provide auto insurance policies, but it’s a good idea to understand the differences since it can impact which agent you choose.
Exclusive Auto Insurance Agents
These agents generally can only insure with one company such as Allstate, State Farm and Farmers Insurance. They usually cannot provide prices from multiple companies so it’s a take it or leave it situation. Exclusive agents receive extensive training on their products and sales techniques and that enables them to sell even at higher rates. Consumers often choose to use a exclusive agent mainly due to the brand and strong financial ratings.
Shown below are Oakland exclusive agencies who can help you get comparison quotes.
- Stephanie Canessa – State Farm Insurance Agent
6228 Merced Ave – Oakland, CA 94611 – (510) 339-4444 – View Map - Farmers Insurance – Thy Le
745 E 12th St #101 – Oakland, CA 94606 – (510) 465-2029 – View Map - Farmers Insurance – Norman Garcia
8105 Edgewater Dr #118 – Oakland, CA 94621 – (510) 878-7555 – View Map
Independent Agents
Agents that choose to be independent can sell policies from many different companies and that is an advantage because they can write policies with lots of companies and find the cheapest rate. If prices rise, an independent agent can move your coverage and that require little work on your part. If you need lower rates, we recommend you include price quotes from a few independent agents in order to have the best price comparison. Many can place coverage with different regional companies which may provide better rates.
Below are Oakland independent insurance agents willing to provide price quote information.
- Western-Southern Life Insurance Co
80 Swan Way # 102 – Oakland, CA 94621 – (510) 877-4119 – View Map - All Purpose Insurance Agency
5857 MacArthur Blvd – Oakland, CA 94605 – (510) 382-1900 – View Map - On My Way Insurance
320 10th St – Oakland, CA 94607 – (510) 893-3298 – View Map
If you feel you receive acceptable answers to any questions you may have and an acceptable price quote, you may have found an auto insurance agent that can be trusted to properly insure your vehicles. Just be aware that you have the power to terminate your policy whenever you wish so don’t feel that you are permanently stuck with any specific agency with no way to switch.
Car insurance in California serves several purposes
Despite the high cost, car insurance serves a purpose in several ways.
- Most states have mandatory insurance requirements which means it is punishable by state law to not carry a minimum amount of liability protection in order to drive the car legally. In California these limits are 15/30/5 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $5,000 of property damage coverage.
- If your Dodge Avenger has a lienholder, it’s most likely the lender will stipulate that you have full coverage to guarantee payment of the loan. If the policy lapses, the bank will be required to insure your Dodge at a much higher rate and force you to reimburse them the higher premium.
- Car insurance protects not only your Dodge but also your assets. It will also reimburse you for all forms of medical expenses for you, your passengers, and anyone else injured in an accident. Liability coverage, the one required by state law, will also pay to defend you if you are named as a defendant in an auto accident. If your Dodge gets damaged, comprehensive (other-than-collision) and collision coverage will cover the repair costs.
The benefits of insuring your Avenger definitely exceed the cost, particularly if you ever have a claim. The average driver in America is currently overpaying as much as $750 every year so it’s very important to do a rate comparison at least once a year to save money.
Oakland car insurance companies
Selecting the right auto insurance provider can be rather challenging considering how many companies sell coverage in Oakland. The information in the lists below may help you pick which auto insurance companies you want to consider comparing rates from.
| Company | Value | Customer Service | Claims | Customer Satisfaction | A.M Best Rating | Overall Score |
|---|---|---|---|---|---|---|
| USAA | 98 | 100 | 100 | 94% | A++ | 98.6 |
| American Family | 98 | 89 | 100 | 86% | A | 95.4 |
| AAA of Southern California | 91 | 94 | 97 | 92% | A+ | 94.1 |
| State Farm | 88 | 93 | 96 | 90% | A++ | 92.4 |
| The Hartford | 94 | 92 | 90 | 89% | A+ | 91.7 |
| AAA Insurance | 88 | 89 | 95 | 91% | A | 91.2 |
| GEICO | 84 | 93 | 93 | 89% | A++ | 90.3 |
| The General | 89 | 91 | 89 | 88% | A- | 90 |
| Titan Insurance | 90 | 87 | 91 | 95% | A+ | 89.6 |
| Progressive | 84 | 91 | 93 | 87% | A+ | 89.5 |
| Mercury Insurance | 88 | 91 | 90 | 85% | A+ | 89.4 |
| Allstate | 85 | 90 | 92 | 88% | A+ | 89.3 |
| Nationwide | 87 | 88 | 84 | 90% | A+ | 88.7 |
| Liberty Mutual | 84 | 87 | 93 | 88% | A | 88.5 |
| 21st Century | 85 | 86 | 87 | 88% | A | 86.7 |
| Esurance | 85 | 80 | 95 | 87% | A+ | 85.9 |
| Safeco | 85 | 85 | 85 | 86% | A | 85.8 |
| Travelers | 80 | 87 | 87 | 83% | A++ | 85.2 |
| Farmers Insurance | 78 | 87 | 88 | 79% | A | 84.3 |
| Compare Rates Now Go | ||||||
Data Source: Insure.com Best Car Insurance Companies
Frequent quotes can save
A few companies do not provide the ability to get quotes online and most of the time these small insurance companies provide coverage only through independent agents. Cheaper Dodge Avenger insurance in Oakland is attainable both online in addition to many Oakland insurance agents, and you should compare price quotes from both to have the best chance of lowering rates.
When searching for affordable Oakland car insurance quotes, make sure you don’t buy lower coverage limits just to save a few bucks. In too many instances, an insured dropped liability coverage limits and discovered at claim time that they should have had better coverage. The ultimate goal is to purchase plenty of coverage at the best possible price.
You just learned a lot of techniques to get a better price on Dodge Avenger insurance in Oakland. It’s most important to understand that the more you quote Oakland car insurance, the better chance you’ll have of finding the cheapest Dodge Avenger rate quotes. Drivers may even discover the lowest prices are with the smaller companies.
Steps to buying affordable Dodge Avenger insurance in Oakland
If your goal is the lowest price, then the best way to find better pricing on Dodge Avenger insurance in Oakland is to compare quotes annually from different companies in California.
- Get an understanding of how your policy works and the things you can change to drop your rates. Many factors that result in higher rates like getting speeding tickets and a low credit score can be eliminated by making lifestyle changes or driving safer.
- Quote rates from direct carriers, independent agents, and exclusive agents. Direct and exclusive agents can provide rates from a single company like Progressive or Allstate, while independent agencies can quote prices from multiple companies.
- Compare the new rate quotes to your existing policy to see if a cheaper rate is available in Oakland. If you can save money, make sure coverage does not lapse between policies.
A good tip to remember is that you’ll want to compare the same physical damage deductibles and liability limits on each quote request and and to get rate quotes from as many companies as you can. Doing this helps ensure an accurate price comparison and a thorough price selection.
Additional information is available at these links:
- What to do at the Scene of an Accident (Insurance Information Institute)
- Who Has Cheap Auto Insurance Quotes for Teenage Males in Oakland? (FAQ)
- Who Has Affordable Car Insurance Rates for Hybrid Vehicles in Oakland? (FAQ)
- How Much are Oakland Auto Insurance Quotes for a Nissan Sentra? (FAQ)
- What Car Insurance is Cheapest for Teenagers in Oakland? (FAQ)
- Who Has Affordable Auto Insurance Rates for High School Students in Oakland? (FAQ)
- Who Has the Cheapest Oakland Auto Insurance Quotes for Business Use? (FAQ)
- Safe Vehicles for Teens (iihs.org)
- Rollover Crash FAQ (iihs.org)