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.
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.
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.
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.
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.
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.
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.
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.
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.
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:
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!
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.
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.
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.
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.
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.
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.
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.
Cassondra Mays
Will 21st Century insure with a DUI in Mobile, Alabama?
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.
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.
Aline Barrera
Anyone understand their policy?
Lashay Odonnell
Anyone buy from Amica? I’m in West Valley City, Utah.
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