Compare 2011 Dodge Charger Insurance Cost

Looking for the cheapest car insurance rates for your Dodge Charger? Finding the cheapest insurance for a new or used Dodge Charger can turn out to be difficult, but you can follow the following methods to find lower rates.

There is a right way and a wrong way to find car insurance online and we’ll show you the best way to price shop coverage on a Dodge and locate the best price possible.

Insurance coverage policy discounts you can’t miss

Insuring your fleet can be pricey, but discounts can save money and there are some available that can drop the cost substantially. Certain discounts will be applied at quote time, but lesser-known reductions have to be asked for before you get the savings.

  • More Vehicles More Savings – Buying coverage for several vehicles with one company qualifies for this discount.
  • Student Driver Training – Make teen driver coverage more affordable by requiring them to complete a driver education course in high school.
  • Auto/Home Discount – If you combine your auto and home policies with one insurance company you may save up to 20% off your total premium.
  • Early Signing – Some companies provide a discount for switching to them prior to your current policy expiring. This discount can save up to 10%.
  • Defensive Driver – Participating in a course that instructs on driving safety could save 5% or more if your company offers it.
  • Telematics Data – Drivers who elect to allow their insurance coverage company to monitor their driving habits through the use of a telematics system such as Snapshot from Progressive or Drivewise from Allstate might get better premium rates if they exhibit good driving behavior.

A quick disclaimer, most discount credits are not given to the entire policy premium. Some only reduce the cost of specific coverages such as liability and collision coverage. So even though you would think you could get a free insurance coverage policy, it’s just not the way it works. Any amount of discount will help lower your premiums.

Companies and some of the premium reductions they offer are outlined below.

  • Progressive offers discounts including online signing, homeowner, continuous coverage, multi-vehicle, and good student.
  • Geico may include discounts for military active duty, five-year accident-free, air bags, membership and employees, good student, multi-vehicle, and driver training.
  • State Farm may offer discounts for driver’s education, good driver, defensive driving training, safe vehicle, and student away at school.
  • Esurance may have discounts that include DriveSense, good driver, emergency road assistance, paid-in-full, and Pac-12 alumni.
  • The Hartford includes discounts for driver training, bundle, anti-theft, defensive driver, and air bag.

Before purchasing a policy, check with each insurance company which credits you are entitled to. Some credits may not apply to policies in every state. To choose insurance companies that offer multiple discounts, click here to view.

Compare insurance coverage rates

Performing a rate comparison can be challenging if you don’t know the fastest way to get free quotes. You can waste a few hours (or days) discussing policy coverages with insurance companies in your area, or you can utilize online quotes for quick rates.

Many of the larger companies belong to an insurance system where insurance shoppers submit one quote, and at least one company can provide price quotes. This saves time by eliminating quote requests to each company.

To submit your quote information now, click here to start a free quote.

The only downside to using this type of system is you are unable to specify which carriers to get quotes from. So if you prefer to pick specific insurance companies to receive pricing from, we put together a list of low cost insurance coverage companies in your area. Click here for list of insurance companies.

Whichever way you use, compare equivalent quote information for every company. If you have differing limits it’s impossible to make an equal comparison.

Learn how to find auto insurance for less

It’s important that you understand some of the things that go into determining your auto insurance rates. If you know what influences your rates, this allows you to make good choices that will entitle you to much lower annual insurance costs. Many things are part of the equation when pricing auto insurance. A few of the factors are predictable like a motor vehicle report, but other criteria are less apparent such as your credit history or how financially stable you are.

Listed below are some of the factors used by insurance companies to determine your premiums.

  • Discounts for married couples – Your spouse helps lower the price on your auto insurance policy. Marriage means you’re more mature and it’s proven that married drivers tend to have fewer serious accidents.
  • Vehicle theft costs us all – Choosing to buy a car with advanced anti-theft systems can help lower your premiums. Anti-theft devices like LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system all help stop car theft.
  • Don’t skimp on liability coverage – Liability insurance provides coverage when a jury decides you are liable for damages caused by your negligence. It will provide for a legal defense which can be incredibly expensive. Carrying liability coverage is mandatory and cheap compared to insuring for physical damage coverage, so do not skimp.
  • Safer cars means cheaper insurance – Cars with high safety ratings get lower rates. These vehicles reduce injuries and fewer serious injuries means less money paid by your insurance company and more competitive rates for policyholders.
  • Good credit means lower rates – Having a good credit history can be an important factor in determining premium rates. Drivers who have good credit tend to be more responsible and file fewer claims than those with lower credit ratings. So if your credit history is lower than you’d like, you could potentially save money when insuring your 2011 Dodge Charger by spending a little time repairing your credit.

Insurance agents can help

When it comes to buying adequate coverage for your personal vehicles, there really is not a one size fits all plan. Each situation is unique.

For example, these questions may help highlight if you would benefit from an agent’s advice.

  • I don’t drive much so do I pay less?
  • Should I get collision insurance on every vehicle?
  • Will my insurance pay for OEM parts?
  • Are my friends covered when driving my 2011 Dodge Charger?
  • Can I afford low physical damage deductibles?
  • Does medical payments coverage apply to all occupants?
  • Does my liability insurance cover pulling a trailer or camper?
  • What should my uninsured motorist coverage limits be in my state?
  • Can I get a multi-policy discount?

If it’s difficult to answer those questions, you might consider talking to a licensed insurance agent. To find lower rates from a local agent, take a second and complete this form. It is quick, free and can help protect your family.

Insurance coverages explained

Knowing the specifics of a insurance policy helps when choosing which coverages you need and the correct deductibles and limits. The coverage terms in a policy can be difficult to understand and nobody wants to actually read their policy.

Uninsured/Underinsured Motorist (UM/UIM)

Uninsured or Underinsured Motorist coverage provides protection from other motorists when they either have no liability insurance or not enough. Covered claims include hospital bills for your injuries and also any damage incurred to your Dodge Charger.

Due to the fact that many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is important protection for you and your family. Usually these coverages are identical to your policy’s liability coverage.

Med pay and Personal Injury Protection (PIP)

Med pay and PIP coverage provide coverage for expenses for dental work, pain medications, ambulance fees, nursing services and hospital visits. They are often used in conjunction with a health insurance program or if you lack health insurance entirely. Medical payments and PIP cover both the driver and occupants in addition to being hit by a car walking across the street. PIP is not an option in every state and gives slightly broader coverage than med pay

Collision coverage protection

This coverage pays for damage to your Charger from colliding with an object or car. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against things like driving through your garage door, colliding with a tree and scraping a guard rail. This coverage can be expensive, so you might think about dropping it from vehicles that are 8 years or older. Drivers also have the option to increase the deductible to get cheaper collision coverage.

Comprehensive insurance

Comprehensive insurance pays for damage that is not covered by collision coverage. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for things such as hitting a bird, hail damage, rock chips in glass, hitting a deer and falling objects. The most you can receive from a comprehensive claim is the market value of your vehicle, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Liability car insurance

This provides protection from damages or injuries you inflict on people or other property. It protects you from claims by other people. It does not cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You might see liability limits of 25/50/25 that translate to $25,000 in coverage for each person’s injuries, a limit of $50,000 in injury protection per accident, and a total limit of $25,000 for damage to vehicles and property. Another option is one number which is a combined single limit which provides one coverage limit without having the split limit caps.

Liability coverage protects against things such as attorney fees, repair costs for stationary objects and funeral expenses. How much liability should you purchase? That is your choice, but you should buy as high a limit as you can afford.

Make an honest buck

When shopping online for car insurance, make sure you don’t skimp on critical coverages to save a buck or two. Too many times, drivers have reduced comprehensive coverage or liability limits only to regret they didn’t purchase enough coverage. The goal is to purchase a proper amount of coverage at the lowest possible cost, but do not skimp to save money.

You just learned many ways to compare 2011 Dodge Charger insurance prices online. It’s most important to understand that the more you quote insurance coverage, the more likely it is that you will get a better rate. You may be surprised to find that the most savings is with a small mutual company.

Insureds leave their current company for a variety of reasons including questionable increases in premium, extreme rates for teen drivers, poor customer service and even denial of a claim. Whatever your reason, finding a great new company can be easy and end up saving you some money.

To learn more, feel free to browse the resources below:

Comments About 2011 Dodge Charger Insurance

  1. Jess Soto

    From northwest of Dallas, TX. Not sure of all the companies but I ended up saving about $50 each month. Was with Mercury. Teenage drivers are expensive!

  2. Eneida Baldwin

    Good site, thanks. Checking in from Kansas City, Kansas. Received rates from AIG Insurance, Nationwide, and some smaller one I can’t remember the name of for my Dodge and saved just over $250 a year. God forbid I actually have a claim.

  3. Devin Huffman

    I live in a small town just outside of Dover, Delaware. I don’t recall every quote but I ended up saving about $60 each month. I have a teen driver too. Just waiting to see how claims go.

  4. Jennell Oconnor

    Good site, thanks. I’m in the suburbs of Hilo, HI. Got rates from Travelers, Amica, GMAC, and Nationwide for my Charger and I’m now saving $46 a month. Highly recommended.

  5. Julia Carson

    Lifelong resident of Minneapolis, MN, and Progressive rates were best. Left Farmers to switch. Teenage drivers are expensive! Get lots of quotes to find the best rate.

  6. Darcel Ortiz

    It all costs too much. Live in Oklahoma City, Oklahoma. Received quotes from Sentry, Farmers, Progressive, and AIG Insurance for my Dodge and I’m now saving $37 a month. They were helpful in switching over.

  7. Erika Hines

    It all costs too much. I live just outside San Antonio, TX. Got prices from AAA, Safeco, and a few others for my Dodge and saved $486 a year. Did it all online.

  8. Martina Garza

    I’m looking for cheaper coverage. Live in New Haven, CT. Got prices from Allstate, Auto-Owners, and Encompass for my Dodge and saved $240 a year. Hopefully won’t need it. It never hurts to quote around.

  9. Cassondra Mays

    Will 21st Century insure with a DUI in Mobile, Alabama?

  10. Shelba Boyer

    Here’s my quote info. I live in Baltimore, MD. Quoted with 21st Century, Hartford, and Eastwood for my Charger and I’m now saving $39 a month.

  11. Obdulia Pacheco

    If you’re a decent driver and live near Columbus, Ohio, check out 21st Century. They seem to be cheaper. I used their website to get prices.

  12. Aline Barrera

    Anyone understand their policy?

  13. Lashay Odonnell

    Anyone buy from Amica? I’m in West Valley City, Utah.

  14. Chanda Hancock

    If you’re a decent driver and live in the vicinity of Salem, OR, check out GEICO. I saved quite a bit. BTW speeding tickets are not good. LOL