How Much Does 2008 Dodge Charger Insurance Cost?

Searching for cheaper car insurance rates for your Dodge Charger? Drivers that are new to buying car insurance online are likely to discover locating cheaper insurance is harder than they anticipated.

How to shop insurance coverage online

All the larger insurance coverage companies like Geico, State Farm and Progressive make it easy to get coverage price quotes online. Getting quotes is quite simple as you just type in your required coverages into the quote form. Behind the scenes, the company’s rating system gets your credit score and driving record and returns pricing information based on these factors.

Being able to quote online streamlines rate comparisons, but the work required to visit each company’s website and repetitively complete many quote forms is monotonous and tiresome. But it’s necessary to do this in order to find a lower rate.

The smarter way to compare insurance coverage pricing makes use of a single form to obtain quotes from more than one company. The form is fast, requires much less work on your part, and makes rate comparisons much easier to do. As soon as you send your information, it gets priced and you can choose any or none of the quote results. If one or more price quotes are lower than your current rates, it’s easy to complete the application and buy the new coverage. The entire process only takes a few minutes and can result in significant savings.

To quickly fill out one form to compare multiple rates now, click here and enter your vehicle and coverage information. If you have your current policy handy, we recommend you enter the coverage information exactly as shown on your declarations page. Using the same limits helps guarantee you will receive a price comparison for similar coverage.

Car insurance companies offer many types of discounts

Car insurance is easily one of your largest bills, but you might be missing out on some discounts to reduce the price significantly. Certain discounts will be applied at the time you complete a quote, but a few need to be requested specifically before you get the savings.

  • First Accident Forgiveness – This isn’t a discount exactly, but companies like State Farm, Progressive and Geico will forgive one accident without getting socked with a rate hike so long as you are claim-free for a set time period.
  • Fewer Miles Equal More Savings – Low annual miles could earn discounted premium rates on garaged vehicles.
  • Government Employee Discount – Simply working for the federal government may qualify for a discount when you quote insurance for Charger insurance but check with your company.
  • Driver Training Discounts – Taking time to complete a course that instructs on driving safety could cut 5% off your bill and easily pay for the cost of the class.
  • Full Payment Discount – By paying your policy upfront instead of making monthly payments you can actually save on your bill.
  • Service Members Pay Less – Having a deployed family member can result in better premium rates.

A quick disclaimer, many deductions do not apply to your bottom line cost. Most cut the price of certain insurance coverages like comprehensive or collision. Even though it may seem like you can get free auto insurance, you’re out of luck.

Companies and their offered discounts are shown below.

  • The Hartford may offer discounts for good student, anti-theft, driver training, air bag, bundle, and vehicle fuel type.
  • American Family has savings for bundled insurance, multi-vehicle, TimeAway discount, early bird, defensive driver, and accident-free.
  • Progressive discounts include homeowner, online signing, continuous coverage, multi-policy, and multi-vehicle.
  • Travelers has discounts for save driver, payment discounts, good student, early quote, and student away at school.
  • Farmers Insurance offers discounts for teen driver, youthful driver, good student, pay in full, bundle discounts, and mature driver.
  • USAA may include discounts for new vehicle, annual mileage, defensive driver, driver training, loyalty savings, and safe driver.
  • Liberty Mutual offers premium reductions for preferred payment discount, new graduate, newly retired, new move discount, multi-car, and hybrid vehicle.

Check with every prospective company what discounts are available to you. Some of the discounts discussed earlier may not be offered everywhere. If you would like to see a list of insurance companies who offer free car insurance quotes, click here to view.

Do I just need basic coverages?

When it comes to buying the right insurance coverage, there isn’t really a perfect coverage plan. Everyone’s situation is a little different.

Here are some questions about coverages that may help highlight if your situation could use an agent’s help.

  • Does car insurance cover theft of personal property?
  • Am I covered if hit by an uninsured driver?
  • Should I have combined single limit or split liability limits?
  • Does my 2008 Dodge Charger qualify for pleasure use?
  • Does coverage extend to my business vehicle?
  • How high should my medical payments coverage be?
  • Is my dog or cat covered if injured in an accident?
  • Does having multiple vehicles earn me a discount?
  • Am I getting all the discounts available?
  • Is other people’s property covered if stolen from my vehicle?

If it’s difficult to answer those questions, you may need to chat with a licensed insurance agent. If you want to speak to an agent in your area, take a second and complete this form.

Car insurance coverage basics

Learning about specific coverages of your car insurance policy helps when choosing the best coverages at the best deductibles and correct limits. The terms used in a policy can be ambiguous and coverage can change by endorsement.

Collision – This coverage will pay to fix damage to your Charger from colliding with a stationary object or other vehicle. A deductible applies then your collision coverage will kick in.

Collision coverage protects against claims such as crashing into a ditch, driving through your garage door, crashing into a building, hitting a parking meter and sideswiping another vehicle. This coverage can be expensive, so you might think about dropping it from lower value vehicles. You can also choose a higher deductible in order to get cheaper collision rates.

Comprehensive protection – This coverage covers damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for things like vandalism, hitting a deer, rock chips in glass, falling objects and hitting a bird. The most a car insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle is not worth much consider dropping full coverage.

Uninsured or underinsured coverage – Your UM/UIM coverage protects you and your vehicle’s occupants when the “other guys” either have no liability insurance or not enough. Covered claims include hospital bills for your injuries and damage to your 2008 Dodge Charger.

Due to the fact that many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is a good idea.

Medical expense coverage – Personal Injury Protection (PIP) and medical payments coverage pay for immediate expenses for things like EMT expenses, pain medications and doctor visits. They are used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover all vehicle occupants in addition to being hit by a car walking across the street. Personal Injury Protection is only offered in select states but can be used in place of medical payments coverage

Liability auto insurance – This will cover damage that occurs to people or other property. This coverage protects you against claims from other people. It does not cover your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You commonly see policy limits of 50/100/50 which means $50,000 in coverage for each person’s injuries, $100,000 for the entire accident, and property damage coverage for $50,000.

Liability coverage pays for things like emergency aid, medical expenses, repair bills for other people’s vehicles, bail bonds and funeral expenses. How much liability coverage do you need? That is a personal decision, but you should buy as high a limit as you can afford.

Comments About 2008 Dodge Charger Insurance

  1. Hailey Bryant

    I live on the south side of Wilmington, DE. Received rates from USAA, AAA, Hanover, and Mercury for my Charger and am saving around $570 a year. Left Sentry to switch. Have an at-fault accident tho.

  2. Megan Shields

    Great site. From a town just southwest of Bangor, ME. Got car insurance rates from Progressive, American Family, and some I forget for my 2008 Dodge Charger and I think I am saving around $30 each month. Switched homeowners coverage too.

  3. Concepcion Foreman

    Cheap car insurance? What’s that? Quoted with AAA for my Charger and saved about $140 a year. Insured with The General before.

  4. Mayme Mcmillan

    Are custom wheels covered by insurance?

  5. Ligia Reed

    Went with Auto-Owners for my 2008 Dodge Charger and cut my rates about $230 a year. Left State Farm to switch. Did it all online.

  6. Sierra Gross

    Here’s my quote info. From a town just southwest of Columbia, SC. Quoted quotes with Amica, Eastwood, and MetLife for my Charger and I’m now saving $45 a month. I have kids on my policy, too.

  7. Scott Fields

    Good detail in your article. I live on the south side of Phoenix, AZ. Quoted prices online for a 2008 Dodge Charger. Ended up at about $260 savings annually. Went with Progressive. I have several vehicles insured with them. It’s still not cheap enough.

  8. Marx Glass

    Anyone like their agent?

  9. Jolynn Eaton

    When should I drop comp and collision?

  10. Oren Larson

    I’m just north of Nashua, NH. Quoted quotes with 21st Century, Encompass, and Hanover for my Dodge and saved just over $170 a year.

  11. Kyla Rocha

    Got a quote with Erie for my Charger and saved about $400 a year. Left Liberty Mutual to switch. God forbid I actually have a claim.