2012 Dodge Charger Insurance Quotes

Saving money on Driverscar insurance can seem to be hard for people not familiar with online rate comparisons. With a ridiculous number of companies, it can quickly become hard work to find more affordable car insurance rates.

How to find cheap auto insurance

When shopping for inexpensive insurance coverage quotes, there are a couple of ways of comparing price quotes from many auto insurance companies in your state. The easiest way by far to find affordable 2012 Dodge Charger insurance rates consists of obtaining rate quotes online. This can be done using a couple different methods.

The easiest and least time consuming way consumers can make multiple comparisons is to use a rate comparison form click to view form in new window. This method keeps you from doing separate quotation requests for every auto insurance company. A single, simple form gets you price quotes from multiple low-cost companies. This is by far the quickest method.

A more difficult way to compare prices requires visiting each company’s website and get a separate price quote. For example, we’ll assume you want comparison quotes from USAA, Progressive and Liberty Mutual. To do that, you would have to visit each site and enter your policy data, which is why the first method is more popular.

For a handy list of car insurance company links in your area, click here.

It’s your choice how you get your quotes, but make sure you are using identical coverages and limits on every quote you get. If the quotes have unequal deductibles or liability limits it’s impossible to determine the best price for your Dodge Charger. Just slight variations in insurance coverages or limits can make a big difference in price. And when comparing auto insurance rates, know that comparing all the rates in your area provides better odds of finding a lower rate.

Cheaper rates by taking advantage of discounts

Car insurance is expensive, but there could be significant discounts that can dramatically reduce your bill. Certain credits will be shown at the time you complete a quote, but a few must be asked about prior to receiving the credit. If you do not check that you are getting every discount you deserve, you could be paying more than you need to.

• Passive Restraints and Air Bags – Vehicles with factory air bags or motorized seat belts can qualify for discounts up to 30%.
• Lower Rates for Military – Having an actively deployed family member could qualify you for better prices.
• Seat Belt Discounts – Using a seat belt and requiring all passengers to wear their seat belts may be able to save a few bucks off the PIP or medical payment premium.
• Theft Deterent System – Cars equipped with tracking devices and advanced anti-theft systems prevent vehicle theft and that can save you a little bit as well.
• Claim-Free Discount – Good drivers with no accidents are rewarded with significantly better rates on insurance coverage quote when compared to drivers who are more careless.

As a footnote on discounts, most discount credits are not given to the overall cost of the policy. A few only apply to the cost of specific coverages such as collision or personal injury protection. Even though it may seem like having all the discounts means you get insurance for free, that’s just not realistic.

The best car insurance companies and a selection of discounts are included below.

• American Family may include discounts for Steer into Savings, air bags, bundled insurance, defensive driver, accident-free, and good driver.
• State Farm has discounts for Drive Safe & Save, good driver, safe vehicle, passive restraint, defensive driving training, and driver’s education.
• 21st Century offers discounts including good student, anti-lock brakes, student driver, defensive driver, air bags, 55 and older, and driver training.
• Travelers offers discounts for early quote, good student, multi-car, hybrid/electric vehicle, and payment discounts.
• Geico discounts include daytime running lights, air bags, driver training, good student, five-year accident-free, and multi-policy.

When comparing rates, check with each company which discounts you qualify for. Some of the earlier mentioned discounts may not apply to policies in every state. To see a list of insurers who offer car insurance discounts, click this link.

Smart buyers can lower their insurance prices

Many factors are considered when quoting car insurance. Some are pretty understandable such as your driving history, but other factors are more transparent like your vehicle usage or your vehicle rating.The best way to find cheaper insurance coverage is to take a look at the factors that help calculate the level of your policy premiums. When you know what positively or negatively determines premiums, this allows you to make educated decisions that could result in cheaper rates.

Shown below are some of the most common factors that factor into prices.

• Never let your insurance coverage lapse – Having an insurance coverage lapse can be a quick way to bump up your insurance coverage costs. In addition to paying higher premiums, getting caught without coverage can result in a revoked license or a big fine. Then you may be required to prove you have insurance by filing a SR-22 with your state DMV.
• Claim-free discounts can add up – Auto insurance companies award lower rates to policyholders who are not frequent claim filers. If you tend to file frequent claims, you can look forward to either higher rates or even cancellation. Auto insurance is intended to be relied upon for more catestrophic claims.
• Lower insurance coverage rates with alarms and GPS tracking – Owning a car with a theft deterrent system can save you a little every year. Theft prevention devices such as vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems all aid in stopping auto theft.
• How’s your driving record? – Drivers who don’t get tickets receive lower rates as compared to those with violations. Only having one ticket may cause rates to rise twenty percent or more. Drivers who have careless violations such as reckless driving, hit and run or driving under the influence may find they need to submit a SR-22 or proof of financial responsibility with the DMV in their state in order to keep their license.
• Does your job cost you more? – Careers like military generalsairline pilots and dentists are shown to have the highest rates due to intense work-related stress and lengthy work days. Other jobs like professors, students and the unemployed have the lowest average rates on Charger insurance.
• How credit rating affects insurance coverage premiums – Having a bad credit history is a big factor in determining premium rates. Drivers with good credit tend to file fewer claims than those with lower credit scores. So if your credit score is lower than you’d like, you could potentially save money when insuring your 2012 Dodge Charger by spending a little time repairing your credit.

How much insurance coverage do I need?

When it comes to choosing the best insurance coverage coverage, there really is not a best way to insure your cars. Your needs are not the same as everyone else’s.

Here are some questions about coverages that might help in determining whether your personal situation could use an agent’s help.

• Can I drive in Mexico and have coverage?
• Should I sign the liability waiver when renting a car?
• Do I need added coverage for expensive stereo equipment?
• Is a fancy paint job covered?
• Do I need PIP (personal injury protection) coverage in my state?
• Do I need medical payments coverage since I have good health insurance?
• Am I covered if I break a side mirror?
• Is my trailer covered?
• Should I drop comprehensive coverage on older vehicles?
• Do I need replacement cost coverage?

If you’re not sure about those questions, you might consider talking to a licensed insurance agent. If you want to speak to an agent in your area, complete this form.

Insurance coverage ads are enticing

21st Century, Allstate and State Farm continually stream television and radio advertisements. They all have a common claim about how much you will save if you just switch your insurance coverage coverage to their company. It sounds good, but how can they all make almost identical claims? Here is how they do it.

Insurance coverage companies quote their best rates for a prospective insured that earns them the highest profit. A good example of a desirable risk may be a mature driver, has had continuous coverage, and has a short commute. A driver who matches that profile will most likely get cheap rates and will probably save when they switch companies.

Consumers who do not match these standards may be forced to pay a higher premium and the customer buying from someone else. If you pay attention, the ads say “customers that switch” not “all people who quote” save the amount stated. That’s the way companies can make it sound like they have such great premium rates. Because of the profiling, you need to do a price quote comparison at every renewal. You cannot predict which insurance coverage company will have the best car insurance rates for your profile.

Car insurance coverages 101

Knowing the specifics of car insurance can be of help when determining the best coverages and proper limits and deductibles. The coverage terms in a policy can be ambiguous and nobody wants to actually read their policy.

Comprehensive (Other than Collision)

This coverage pays for damage from a wide range of events other than collision. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against things like rock chips in glass, a tree branch falling on your vehicle, damage from flooding and hitting a bird. The most you can receive from a comprehensive claim is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Collision coverage

Collision insurance pays for damage to your Charger caused by collision with a stationary object or other vehicle. A deductible applies and then insurance will cover the remainder.

Collision insurance covers claims such as backing into a parked car, sustaining damage from a pot hole, sideswiping another vehicle and colliding with a tree. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are older. You can also increase the deductible in order to get cheaper collision rates.

Protection from uninsured/underinsured drivers

This coverage protects you and your vehicle from other motorists when they are uninsured or don’t have enough coverage. It can pay for injuries to you and your family and also any damage incurred to your Dodge Charger.

Since many drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage should not be overlooked.

Medical expense insurance

Med pay and PIP coverage provide coverage for short-term medical expenses like rehabilitation expenses, X-ray expenses and nursing services. They can be used to cover expenses not covered by your health insurance plan or if you do not have health coverage. It covers you and your occupants and will also cover any family member struck as a pedestrian. Personal injury protection coverage is not available in all states and gives slightly broader coverage than med pay

Coverage for liability

This will cover injuries or damage you cause to other’s property or people in an accident. This insurance protects YOU against other people’s claims, and doesn’t cover your own vehicle damage or injuries.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have values of 25/50/25 which stand for a $25,000 limit per person for injuries, a limit of $50,000 in injury protection per accident, and a total limit of $25,000 for damage to vehicles and property.

Liability coverage pays for claims such as medical services, attorney fees and emergency aid. How much liability coverage do you need? That is a personal decision, but consider buying higher limits if possible.

A penny earned…

We just presented a lot of information how to save on 2012 Dodge Charger insurance. The key concept to understand is the more quotes you get, the more likely it is that you will get a better rate. Consumers may even find the lowest auto insurance rates come from a smaller regional carrier.

People who switch companies do it for any number of reasons including high rates after DUI convictions, policy non-renewal, not issuing a premium refund or even delays in paying claims. No matter why you want to switch, finding a new company can be easier than you think.

Cheap 2012 Dodge Charger insurance can be sourced both online and from local insurance agents, so get free insurance coverage quotes from both of them to have the best selection. Some companies may not have rates over the internet and many times these regional insurance providers only sell through independent agencies.

More learning opportunities

• Rental Car Insurance Tips (Insurance Information Insitute)
• Safety Belts FAQ (iihs.org)
• Teen Driving Statistics (iihs.org)
• Determing Auto Insurance Rates (Geico)
• Avoiding Deer Collisions (Insurance Information Insitute)