2006 Dodge Charger Insurance Quotes – 5 Ideas for Best Rates

Searching for lower priced car insurance may at first seem to be somewhat difficult for price shopping online. With such a large choice of insurance companies available, how can you even start to compare every one to find the lowest price?

It’s a good idea to do price comparisons every six months since insurance prices fluctuate regularly. Just because you found the best deal for Charger insurance at your last renewal other companies may now be cheaper. There is a lot of wrong information about car insurance on the internet, but by reading this article, you’re going to learn some solid techniques on how to quit paying high car insurance rates.

Finding the lowest cost coverage is easy if you know what you’re doing. Essentially everyone who has to buy car insurance stands a good chance to be able to reduce their rates. But car owners can benefit by having an understanding of how insurance companies market on the web and take advantage of how the system works.

The best way we recommend to compare rates is to understand auto insurance companies participate in a system to provide you with free rate quotes. To start a quote, the only thing you need to do is give them rating details including if a SR-22 is needed, how your vehicles are used, whether you are married, and if you went to college. Your insurance information is then submitted to multiple different insurance companies and they provide comparison quotes quickly.

Are you receiving every discount?

Not many people think insurance is cheap, but there’s a good chance there are discounts that many people don’t even know exist. Certain discounts will be triggered automatically when you quote, but lesser-known reductions have to be asked about prior to receiving the credit.

• No Charge for an Accident – Not a discount per se, but certain companies will forgive one accident before hitting you with a surcharge so long as you haven’t had any claims for a certain period of time.
• Student Discount for Driver Training – Reduce the cost of insurance for teen drivers by having them complete a driver education course in school or through a local driver safety program.
• Auto/Home Discount – If you have multiple policies and insure them both with the same insurance company you may earn at least 10% off all policies.
• Telematics Data Discounts – Drivers that enable their insurance coverage company to analyze driving patterns by using a telematics device such as Progressive’s Snapshot and State Farm’s In-Drive could save a few bucks as long as the data is positive.
• Anti-theft Discount – Vehicles that have factory alarm systems and tracking devices are stolen with less frequency and therefore earn up to a 10% discount.

As a sidenote, some credits don’t apply to the entire cost. The majority will only reduce the price of certain insurance coverages like comprehensive or collision. So even though they make it sound like all the discounts add up to a free policy, that’s just not realistic. But all discounts will reduce your overall bill.

To choose providers that offer the discounts shown above, click this link.

When in doubt talk to an agent

When buying the right insurance coverage, there really is not a one size fits all plan. Everyone’s needs are different.

For instance, these questions can help discover whether or not you will benefit from professional help.

• What is the ISO rating for a 2006 Dodge Charger?
• Are split liability limits better than a combined single limit?
• Does my insurance cover my expensive audio equipment?
• Am I covered when delivering products for my home-based business?
• Is business property covered if stolen from my car?
• If I drive on a suspended license am I covered?
• Do I need an umbrella policy?
• Am I covered if I break a side mirror?

If you can’t answer these questions but you think they might apply to your situation, then you may want to think about talking to an insurance agent. If you don’t have a local agent, fill out this quick form.

Car insurance policy coverages for a Dodge Charger

Knowing the specifics of your policy helps when choosing the best coverages and the correct deductibles and limits. The terms used in a policy can be ambiguous and even agents have difficulty translating policy wording.

Comprehensive car insurance

Comprehensive insurance coverage pays for damage that is not covered by collision coverage. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for claims like theft, hitting a deer and hail damage. The highest amount you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Collision insurance

This pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for things like driving through your garage door, crashing into a ditch and colliding with another moving vehicle. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are older. Another option is to choose a higher deductible in order to get cheaper collision rates.

Coverage for uninsured or underinsured drivers

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when other motorists do not carry enough liability coverage. It can pay for injuries sustained by your vehicle’s occupants and also any damage incurred to your Dodge Charger.

Since a lot of drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family. Usually the UM/UIM limits are similar to your liability insurance amounts.

Auto liability

Liability coverage provides protection from damage or injury you incur to a person or their property in an accident. Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have policy limits of 25/50/25 that means you have $25,000 bodily injury coverage, $50,000 for the entire accident, and a total limit of $25,000 for damage to vehicles and property. Some companies may use a combined single limit or CSL that pays claims from the same limit without having the split limit caps.

Liability insurance covers things such as funeral expenses, medical expenses and loss of income. How much liability coverage do you need? That is a decision to put some thought into, but you should buy as high a limit as you can afford.

Coverage for medical expenses

Coverage for medical payments and/or PIP kick in for expenses like ambulance fees, funeral costs, doctor visits, dental work and X-ray expenses. The coverages can be used in conjunction with a health insurance plan or if you do not have health coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants in addition to getting struck while a pedestrian. PIP is only offered in select states but it provides additional coverages not offered by medical payments coverage

Online plus local equals savings

People switch companies for many reasons like extreme rates for teen drivers, an unsatisfactory settlement offer, unfair underwriting practices or even being labeled a high risk driver. Regardless of your reason for switching companies, choosing a new company is not as difficult as it may seem.

You just learned some good ideas how to compare 2006 Dodge Charger insurance rates online. The key concept to understand is the more price quotes you have, the more likely it is that you will get a better rate. Consumers could even find that the best rates are with the smaller companies.

Cheaper 2006 Dodge Charger insurance can be purchased online as well as from independent agents, so you need to shop insurance with both to have the best chance of lowering rates. A few companies do not provide online quoting and these regional insurance providers sell through independent agencies.

Helpful information

• When is the Right Time to Switch Car Insurance Companies? (Allstate)
• Preventing Carjacking and Theft (Insurance Information Insitute)
• Distracted Driving (Insurance Information Insitute)
• Get the Right Protection (InsureUonline.org)
• How to Avoid Common Accidents (State Farm)