2009 Dodge Charger Car Insurance Quotes

Having to pay for pricey insurance can overdraw your savings account and force you to make sacrifices. Performing a rate comparison is free and is an excellent way to lower your monthly bill.

Numerous car insurance companies battle for your insurance dollar, so it’s not easy to compare every provider and get the definite lowest cost out there.

It’s a great practice to quote other rates once or twice a year because insurance prices change quite often. Just because you found the lowest rate for Charger coverage a couple years back the chances are good that you can find a lower premium rate today. You’ll find quite a bit of inaccurate information about insurance on the web, but in this article, you’re going to get some good information on how to find cheap insurance.

How much does insurance cost?

Many insurance companies allow you to get prices from their websites. Getting online rates is easy for anyone as you simply type in your required coverages into the form. After the form is submitted, the quote system sends out for your driving and credit reports and quotes a price based on the data you entered. Online price estimates helps simplify price comparisons, but the process of having to visit several different sites and type in the same information can be a bit repetitive. But it is imperative to have as many quotes as possible if you are searching for lower prices.

The quickest way to compare rates makes use of a single form that gets prices from several different companies. This type of form saves time, eliminates repetitive work, and makes online shopping much easier. Immediately after submitting the form, it is quoted and you can choose your choice of the quotes returned.

If the quotes result in lower rates, it’s easy to complete the application and buy the policy. It can be completed in less than 10 minutes and may result in a nice savings.

To save time and compare rates now, simply click here to open in new window and begin entering your coverage information. If you have your current policy handy, we recommend you duplicate coverages and limits just like they are on your policy. This ensures you will get comparison quotes based on the exact same insurance coverage.

Do I need special coverages?

When choosing adequate coverage for your personal vehicles, there is no one size fits all plan. Every insured’s situation is different and a cookie cutter policy won’t apply. For example, these questions can help discover if your insurance needs will benefit from professional help.

  • Do I need replacement cost coverage on my 2009 Dodge Charger?
  • Why am I be forced to buy a membership to get insurance from some companies?
  • Is my nanny covered when driving my vehicle?
  • Does liability extend to a camper or trailer?
  • When would I need rental car insurance?
  • Am I insured when driving a different vehicle?

If it’s difficult to answer those questions but you think they might apply to your situation, you may need to chat with an insurance agent. If you don’t have a local agent, simply complete this short form or go to this page to view a list of companies. It is quick, free and can help protect your family.

Car insurance coverages for a 2009 Dodge Charger

Knowing the specifics of your policy helps when choosing which coverages you need at the best deductibles and correct limits. Auto insurance terms can be impossible to understand and reading a policy is terribly boring. Below you’ll find typical coverage types found on the average auto insurance policy.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when other motorists either are underinsured or have no liability coverage at all. Covered losses include injuries to you and your family and also any damage incurred to your Dodge Charger.

Since many drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is important protection for you and your family. Most of the time these limits do not exceed the liability coverage limits.

Liability coverages

Liability coverage provides protection from damage or injury you incur to other people or property. This coverage protects you from claims by other people. It does not cover damage to your own property or vehicle.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show values of 100/300/100 that translate to $100,000 in coverage for each person’s injuries, a limit of $300,000 in injury protection per accident, and a limit of $100,000 paid for damaged property. Some companies may use a combined limit which combines the three limits into one amount and claims can be made without the split limit restrictions.

Liability can pay for things like medical services, medical expenses, court costs, loss of income and repair bills for other people’s vehicles. How much liability coverage do you need? That is a decision to put some thought into, but you should buy higher limits if possible.

Auto collision coverage

This coverage pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. You first must pay a deductible then your collision coverage will kick in.

Collision coverage pays for things such as colliding with a tree, sustaining damage from a pot hole, rolling your car, driving through your garage door and backing into a parked car. Collision is rather expensive coverage, so you might think about dropping it from older vehicles. It’s also possible to choose a higher deductible to get cheaper collision coverage.

Medical payments and PIP coverage

Coverage for medical payments and/or PIP reimburse you for expenses such as nursing services, hospital visits, doctor visits and EMT expenses. The coverages can be used to fill the gap from your health insurance policy or if there is no health insurance coverage. It covers not only the driver but also the vehicle occupants as well as if you are hit as a while walking down the street. PIP coverage is not an option in every state and gives slightly broader coverage than med pay

Comprehensive auto coverage

This coverage pays to fix your vehicle from damage that is not covered by collision coverage. A deductible will apply then your comprehensive coverage will pay.

Comprehensive coverage protects against claims such as hitting a deer, falling objects, damage from getting keyed and damage from a tornado or hurricane. The maximum payout your auto insurance company will pay is the cash value of the vehicle, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Comments About 2009 Dodge Charger Insurance

  1. Deloris Marshall

    When should I drop comp and collision?

  2. Donnette Barber

    Well-written and thought out article. I’m in the suburbs of Tulsa, Oklahoma. I got free quotes from Allstate, The General, and Eastwood for my 2009 Dodge Charger and I’m now saving $39 a month. Insured with Safeco before. Thankfully I have a good driving record. Wish I didn’t have to insure at all.

  3. Bernetta Bean

    Cheap car insurance? What’s that? I live north of Lexington, KY. Got prices from Progressive, AIG Insurance, Farmers, and Liberty Mutual for my Dodge and saved $108 a year. Was with Western Auto Insurance. A clean driving record helps.

  4. Jesus Massey

    Checking in from Burlington, Vermont. Can’t remember who all I quoted but I ended up saving about $50 each month. Switched homeowners coverage too.