Lower Your 2007 Dodge Charger Insurance Quotes

Think you have an expensive car insurance policy? You’re in good company because there are many drivers thinking the same thing.

Vehicle owners have so many insurance companies to choose from, and even though it’s nice to have multiple companies, it can be more challenging to adequately compare rates.

It is always a good idea to quote other rates periodically since prices are constantly changing. Just because you had the best deal on Charger coverage on your last policy you may be paying too much now. Block out anything you think you know about car insurance because you’re going to learn the quickest way to properly buy coverages and cut your premium.

Insurance discounts are available to lower your rates

Buying insurance is not cheap, but there could be available discounts that may help make it more affordable. Larger premium reductions will be automatically applied at quote time, but a few must be inquired about before you get the savings. If you’re not getting every credit available, you are throwing money away.

• Safety Course Discount – Taking a defensive driving class can save you 5% or more if your company offers it.
• Senior Citizen Discount – Seniors may qualify for a small decrease in premiums on Charger coverage.
• No Accidents – Drivers with accident-free driving histories are rewarded with significantly better rates on auto insurance quote as compared to frequent claim filers.
• Fewer Miles Equal More Savings – Maintaining low annual mileage may allow you to get slightly better insurancerates than normal.
• Life Insurance Discount – Select insurance companies reward you with a break if you buy a life insurance policy as well.
• Switch and Save Discount – A few insurance companies offer discounts for buying a new policy before your current coverage expires. This discount can save up to 10%.

Discounts save money, but please remember that many deductions do not apply to all coverage premiums. Most only apply to the cost of specific coverages such as comp or med pay. Even though it may seem like it’s possible to get free car insurance, insurance companies wouldn’t stay in business. But all discounts will bring down your policy premium.

To find insurers who offer free insurance quotes, follow this link.

How to lower your insurance rates

Smart consumers have a good feel for the rating factors that come into play when calculating the level of your policy premiums. If you have some idea of what impacts premium levels, this enables you to make decisions that may result in big savings. Multiple criteria are considered when you quote your car insurance policy. A few of the factors are predictable like your driving record, but some are less apparent such as your credit history or your vehicle rating.

The itemized list below are just a few of the factors used by companies to determine your rates.

• Liability protection limits are a factor – Liability insurance is the protection if you are determined to be liable for personal injury or accident damage. Liability provides for a legal defense which can cost a lot. This coverage is very inexpensive compared to insuring for physical damage coverage, so drivers should buy more than the minimum limits required by law.
• Does your occupation raise your auto insurance rates? – Occupational choices like fire fighters, business owners and stock brokers are shown to have higher rates than the rest of us due to intense work requirements and lengthy work days. Conversely, occupations such as farmers, athletes and homemakers have lower than average premiums on Charger coverage.
• Small claims can cost you – Auto insurance companies generally give the best rates to insureds who file claims infrequently. If you are a frequent claim filer, you can expect either policy cancellation or increased premiums. Your insurance policy is meant to be used in the event of larger claims.
• Discounts for alarms and GPS tracking – Choosing a vehicle with a theft deterrent system can get you a discount on your auto insurance. Anti-theft devices like LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system all aid in stopping your vehicle from being stolen.
• Never let your coverage expire – Going without insurance is a guaranteed way to bump up your auto insurance costs. And not only will insurance be more expensive, not being able to provide proof of insurance may earn you a steep fine or even jail time.

Everyone needs different insurance coverages

When choosing coverage, there really is not a best way to insure your cars. Your needs are not the same as everyone else’s so your insurance needs to address that. For instance, these questions can aid in determining if your situation could use an agent’s help.

• Is my cargo covered for damage or theft?
• Does my 2007 Dodge Charger qualify for pleasure use?
• How much underlying liability do I need for an umbrella policy?
• Why do I need rental car insurance?
• What companies insure drivers after a DUI or DWI?
• Are my friends covered when driving my car?
• Why am I required to get a high-risk car insurance policy?

If it’s difficult to answer those questions but one or more may apply to you, you may need to chat with a licensed agent. To find an agent in your area, fill out this quick form or you can also visit this page to select a carrier

Car insurance coverage basics

Understanding the coverages of a car insurance policy can help you determine the best coverages at the best deductibles and correct limits. Policy terminology can be ambiguous and reading a policy is terribly boring. Listed below are typical coverage types available from car insurance companies.

Collision coverage protection

This will pay to fix damage to your Charger resulting from a collision with another car or object. A deductible applies then your collision coverage will kick in.

Collision insurance covers things such as rolling your car, sustaining damage from a pot hole and driving through your garage door. This coverage can be expensive, so consider dropping it from vehicles that are older. Another option is to raise the deductible to bring the cost down.

Comprehensive (Other than Collision)

This pays for damage that is not covered by collision coverage. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive coverage protects against things like a broken windshield, hail damage, damage from getting keyed, hitting a deer and falling objects. The maximum amount you can receive from a comprehensive claim is the actual cash value, so if it’s not worth much more than your deductible consider dropping full coverage.

Medical expense insurance

Coverage for medical payments and/or PIP kick in for bills for things like X-ray expenses, pain medications, doctor visits and chiropractic care. The coverages can be used to fill the gap from your health insurance plan or if you do not have health coverage. It covers both the driver and occupants and also covers getting struck while a pedestrian. PIP is not available in all states and may carry a deductible

Auto liability

This coverage can cover damage or injury you incur to people or other property in an accident. This coverage protects you against other people’s claims, and does not provide coverage for damage sustained by your vehicle in an accident.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see policy limits of 100/300/100 which means a limit of $100,000 per injured person, a total of $300,000 of bodily injury coverage per accident, and property damage coverage for $100,000.

Liability coverage pays for things such as funeral expenses, emergency aid and repair bills for other people’s vehicles. How much liability coverage do you need? That is your choice, but it’s cheap coverage so purchase as much as you can afford.

Protection from uninsured/underinsured drivers

This coverage gives you protection when other motorists do not carry enough liability coverage. Covered losses include medical payments for you and your occupants and damage to your Dodge Charger.

Since many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. So UM/UIM coverage is very important.

Make an honest buck

Some insurance companies may not offer online quoting and usually these regional carriers work with local independent agents. Affordable 2007 Dodge Charger insurance is possible from both online companies and from local agencies, and you need to comparison shop both to have the best selection.

As you restructure your insurance plan, make sure you don’t reduce coverage to reduce premium. There have been many cases where consumers will sacrifice full coverage to discover at claim time they didn’t have enough coverage. Your goal should be to purchase a proper amount of coverage at the best possible price but still have enough coverage for asset protection.

More tips and info about car insurance is available in these articles:

• Eight Auto Insurance Myths (Insurance Information Insitute)
• Choosing a Car for Your Teen (State Farm)
• Speed and Speed Limit FAQ (iihs.org)
• Auto Insurance FAQ (Farmers Insurance)