Compare 2010 Dodge Charger Insurance Quotes

High-priced insurance can bottom out your savings and possibly require you to analyze your spending habits. With so many insurance companies to choose from, it is very difficult to locate a more affordable insurer.

Finding the best rates is quite easy. If you are insured now or are shopping for new coverage, you will benefit by learning to cut your premiums and possibly find even better coverage. Vehicle owners just need to know the best way to buy auto insurance online.

Find hidden discounts on insurance coverage

Insurance can cost an arm and a leg, but there’s a good chance there are discounts that can dramatically reduce your bill. Most are applied at the time of quoting, but occassionally some discounts must be specifically requested prior to getting the savings.

• Payment Method – By paying your entire bill at once rather than paying in monthly installments you could save 5% or more.
• Clubs and Organizations – Being a member of qualifying employment or professional organizations could earn you a nice discount on your bill.
• Driver’s Education for Students – Cut your cost by having your teen driver sucessfully take a drivers education course if offered at their school.
• Discounts for New Vehicles – Insuring a new car can save you some money compared to insuring an older model.
• Online Discount – A few larger online companies give back up to $50 simply for signing on their website.
• Driving Data Discount – People who choose to allow companies to track when and where they use their vehicle by using a small device installed in their vehicle such as In-Drive from State Farm or Allstate’s Drivewise system may get a rate reduction if they exhibit good driving behavior.
• Bundled Policy Discount – When you combine your home and auto insurance with the same insurance company you may earn up to 20% off your total premium.
• Braking Control Discount – Cars and trucks with ABS and/or traction control can stop better under adverse conditions and qualify for as much as a 10% discount.

Policy discounts save money, but most credits do not apply to all coverage premiums. A few only apply to specific coverage prices like liability, collision or medical payments. Just because you may think all those discounts means the company will pay you, it doesn’t quite work that way.

A few popular companies and some of their more popular discounts are:

• Farmers Insurance includes discounts for alternative fuel, bundle discounts, good student, early shopping, youthful driver, distant student, and pay in full.
• Esurance has savings for homeowner, anti-lock brakes, defensive driver, claim free, Switch & Save, and good driver.
• State Farm may have discounts that include anti-theft, passive restraint, good driver, safe vehicle, multiple autos, and defensive driving training.
• Geico has discounts for good student, anti-theft, federal employee, military active duty, daytime running lights, and membership and employees.
• Allstate offers discounts including anti-theft, defensive driver, utility vehicle, premier discount, premier plus, and new car.

If you want cheaper insurance quotes, ask each company how you can save money. Savings may not apply to policyholders in your area. To locate providers that offer discounts, click here to view.

Why you might pay lower rates

Many things are part of the calculation when pricing auto insurance. A few of the factors are predictable such as your driving record, although some other factors are not quite as obvious like your vehicle usage or your commute time.

• Keep policy claims to a minimum – Car insurance companies generally give the best rates to policyholders who do not file claims often. If you tend to file frequent claims, you can pretty much guarantee much higher rates or policy non-renewal. Auto insurance is designed for major claims that would cause financial hardship.
• Safer cars are cheaper to insure – Safe vehicles tend to have lower insurance rates. These vehicles result in less severe injuries and any reduction in injury severity means less claims paid and more competitive rates for policyholders.
• High coverage deductibles lower premiums – Physical damage insurance, also known as collision and other-than-collision, helps pay for damage to your vehicle. A few examples of covered claims are running into the backend of another car, hitting a deer, and damage caused by flying debris. The deductibles you choose define how much you are willing to pay if you file a covered claim. The more money you’re willing to pay, the less your company will charge you for insurance on Charger insurance.
• Alarm systems systems cut insurance rates – Selecting a car model with a theft deterrent system can help lower your rates. Advanced theft deterrents such as GM’s OnStar, tamper alarm systems and vehicle immobilizers help track and prevent vehicle theft.
• See if your company offers a multi-policy discount – The majority of companies provide better rates to clients that purchase more than one policy in the form of a multi-policy discount. Discounts can be as much as ten percent or more Even if you already get this discount, you may still want to comparison shop to help guarantee you have the best rates.
• Traffic violations increase rates – Attentive drivers have lower premiums as compared to those with violations. Even one speeding ticket may increase your cost by as much as thirty percent. Drivers with multiple citations like DUI or willful reckless driving might be required by their state to prove financial responsibility with their state DMV in order to drive a vehicle legally.
• Liability coverage is cheap – The liability section of your policy will protect you if you are ruled to be at fault for damages from an accident. Liability insurance provides legal defense coverage starting from day one. Carrying liability coverage is mandatory and cheap as compared to coverage for physical damage, so do not cut corners here.
• Never let your insurance policy lapse – Allowing your insurance policy to lapse can be a fast way to bump up your insurance costs. And not only will insurance be more expensive, the inability to provide proof of insurance may result in fines or a revoked license. You may need to provide proof of insurance in the form of an SR-22 filing with your state DMV.

Tailor your auto insurance coverage to you

When it comes to buying the right insurance coverage, there is no “perfect” insurance plan. Each situation is unique and your policy should reflect that. Here are some questions about coverages that may help you determine if your insurance needs would benefit from an agent’s advice.

• Will my vehicle be repaired with OEM or aftermarket parts?
• Is my business laptop covered if it gets stolen from my vehicle?
• Is a blown tire covered by insurance?
• How does medical payments coverage work?
• Does coverage extend to a rental car in a foreign country?
• Is business equipment covered while in my vehicle?
• Do I need PIP (personal injury protection) coverage in my state?
• Will filing a claim cost me more?

If you can’t answer these questions but a few of them apply then you might want to talk to an insurance agent. If you want to speak to an agent in your area, complete this form or go to this page to view a list of companies. It’s fast, doesn’t cost anything and you can get the answers you need.

Smaller companies may have the best rates

Consumers can’t avoid all the ads that promise big savings by State Farm, Geico and Progressive. All the companies tend to make the same promise about how much you will save if you move your policy.

How does every insurance coverage company charge less that you’re paying now? Just pay attention to how they say it.

Insurance companies require specific criteria for the type of driver that earns them the highest profit. One example of a profitable insured could possibly be over the age of 35, has a clear driving record, and does not commute to work. A customer getting a price quote that hits that “sweet spot” will get very good car insurance rates and will save when switching.

Consumers who don’t qualify for these standards will see higher prices and ends up with the customer buying from someone else. If you pay attention, the ads say “people that switch” not “everyone who quotes” can get the lowest rates when switching. That’s the way companies can truthfully claim big savings. This really emphasizes why it’s extremely important to get insurance quotes from several different companies. It’s just not possible to know which company will give you the biggest savings.

Coverage specifics

Understanding the coverages of your insurance policy can help you determine the best coverages and the correct deductibles and limits. Insurance terms can be difficult to understand and even agents have difficulty translating policy wording. These are typical coverage types found on the average insurance policy.

Coverage for liability

This protects you from damage that occurs to other people or property in an accident. This insurance protects YOU from claims by other people, and doesn’t cover your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You might see limits of 100/300/100 which stand for 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 can pay for claims such as medical services, funeral expenses, structural damage, emergency aid and legal defense fees. How much coverage you buy is a decision to put some thought into, but you should buy as high a limit as you can afford.

Coverage for medical expenses

Medical payments and Personal Injury Protection insurance provide coverage for bills like chiropractic care, funeral costs and pain medications. The coverages can be used in conjunction with a health insurance policy or if you do not have health coverage. They cover not only the driver but also the vehicle occupants and also covers getting struck while a pedestrian. PIP coverage is only offered in select states and gives slightly broader coverage than med pay

Comprehensive insurance

This coverage pays for damage OTHER than collision with another vehicle or object. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive can pay for things such as theft, hail damage, fire damage and damage from getting keyed. The maximum amount a insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.

Collision protection

Collision coverage pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. You will need to pay your deductible then your collision coverage will kick in.

Collision can pay for claims such as crashing into a ditch, crashing into a building, hitting a parking meter, hitting a mailbox and sustaining damage from a pot hole. Collision is rather expensive coverage, so you might think about dropping it from lower value vehicles. It’s also possible to bump up the deductible to save money on collision insurance.

Coverage for uninsured or underinsured drivers

This protects you and your vehicle when other motorists are uninsured or don’t have enough coverage. Covered claims include medical payments for you and your occupants and also any damage incurred to your Dodge Charger.

Because many people only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage is important protection for you and your family.

Have the Midas touch

When buying insurance coverage, never skimp on critical coverages to save a buck or two. In many cases, someone dropped physical damage coverage only to find out that it was a big mistake. The ultimate goal is to find the BEST coverage at an affordable rate, not the least amount of coverage.

Budget-conscious 2010 Dodge Charger insurance can be purchased from both online companies and with local insurance agents, and you should compare price quotes from both in order to have the best price selection to choose from. Some auto insurance companies do not provide rates over the internet and many times these smaller companies only sell coverage through independent agents.

Additional resources

• Distracted Driving Extends Beyond Texting (State Farm)
• Auto Insurance 101 (About.com)
• Things to Know Before you Cancel Insurance (Allstate)
• Cellphones, Texting and Driving (iihs.org)
• Bodily Injury Coverage (Liberty Mutual)