2013 Dodge Charger Insurance Quotes

Looking for the cheapest insurance rates for your Dodge Charger? Trying to find cheap insurance could be a challenge for drivers who are new to comparing prices online. There are so many choices that it can turn into a chore to compare coverage rates.

Consumers need to compare prices yearly because prices go up and down regularly. Just because you found the lowest rate for Charger coverage six months ago a different company probably has better premium rates today. Block out anything you think you know about insurance because we’re going to show you the tricks you need to know to find lower rates on insurance.

If you have car insurance now, you should be able to cut costs considerably using these tips. Buying the lowest cost protection is quite easy. Although consumers do need to understand how big insurance companies price online insurance and use this information to your advantage.

Smart buyers can cut insurance costs

Many different elements are considered when you get a price on insurance. Some factors are common sense such as traffic violations, but other factors are not quite as obvious such as your credit history or how financially stable you are.

• Liability insurance is cheap – Your insurance policy’s liability coverage will provide protection when a court rules you are at fault for physical damage or personal injury to other. Your policy’s liability insurance provides for a legal defense which can cost a lot. Liability insurance is pretty cheap compared to physical damage coverage, so drivers should buy more than the minimum limits required by law.
• Rate your vehicle for proper use – The more you drive every year the higher the price you pay to insure it. Almost all companies charge to insure your cars determined by how the vehicle is used. Cars and trucks not used for work or commuting can be on a lower rate level than cars that get driven a lot. Double check that your insurance declarations sheet properly reflects the proper vehicle usage, because improper ratings can cost you money. A policy that improperly rates your Charger can cost quite a bit.
• Lower rates by increasing comp and collision deductibles – Physical damage protection, aka comp and collision, helps pay for damage to your vehicle. Some coverage claims would be running into the backend of another car, flood damage, and rolling your vehicle. Comp and collision deductibles tell how much you are willing to pay before a claim is paid by your company. The more the insured is willing to pay, the less your company will charge you for insurance for Charger coverage.
• Gender impacts costs – Statistics demonstrate females are less aggressive when driving. It does not mean females are better at driving than males. Men and women are responsible for accidents at a similar rate, but males tend to have higher claims. Men also receive more major tickets such as driving while intoxicated (DWI) or driving recklessly. Young men ages 16 to 20 generally have the highest accident percentage and thus pay the highest rates.
• Reserve insurance claims for larger damages – If you’re an insured who likes to file claims you can definitely plan on higher rates. Companies provide most affordable rates to drivers that do not abuse their auto insurance. Insurance coverage is designed for claims that you cannot pay yourself.
• Use credit responsibly and save – An insured’s credit score can be a huge factor in determining what you pay for insurance. People with very good credit scores tend to file fewer claims and have better driving records than drivers with lower ratings. If your credit history is lower than you’d like, you could save money insuring your 2013 Dodge Charger by spending a little time repairing your credit.

Insurance policy discounts you can’t miss

Companies do not list the entire discount list very clearly, so the next list breaks down some of the best known as well as some of the hidden discounts that may be available.

• Air Bags and Passive Restraints – Vehicles with factory air bags may get savings of up to 25% or more.
• Discount for Multiple Policies – When you combine your homeowners and auto insurance with the same company they may give you a discount of nearly 15% which can help you find the cheapest car insurance.
• Distant Student – College-age children who live away from home at college and do not have a car can be insured at a reduced rate.
• Homeowners Savings – Just being a homeowner may earn you a small savings because maintaining a house is proof of financial responsibility.
• Accident Waiver – This one is not really a discount per se, but some insurance companies permit an accident without the usual rate increase so long as you are claim-free for a certain period of time.
• Driving Data Discount – Insureds who allow driving data collection to analyze driving habits remotely such as In-Drive from State Farm or Allstate’s Drivewise system might get better premium rates as long as they are good drivers.

Policy discounts save money, but many deductions do not apply to the overall cost of the policy. The majority will only reduce the cost of specific coverages such as liability and collision coverage. Even though it may seem like having all the discounts means you get insurance for free, company stockholders wouldn’t be very happy.

Some companies that may offer policyholders these benefits include:

• Progressive
• AAA
• Farmers Insurance
• Geico
• Esurance
• SAFECO
• State Farm

If you need lower rates, check with every insurance company what discounts are available to you. Some credits may not be available in every state. For a list of insurance companies offering insurance discounts, follow this link.

Well known brands might not be cheapest

Respected companies like State Farm, Allstate and Geico consistently run ads on TV and radio. All the companies make an identical promise about how much you will save if you just switch to their company. How is it possible that every company can charge lower premium rates? Just pay attention to how they say it.

Insurance providers are able to cherry pick for the type of customer that makes them money. For instance, a desirable insured may need to be over the age of 40, carries full coverage, and drives a safe vehicle. A driver who meets those qualifications will get very good prices and most likely will save when switching.

Potential insureds who are not a match for those standards may receive higher rates and the customer not buying. If you pay close attention to the ads, they say “people who switch” but not “all drivers who get quotes” will save that much if they switch. This is how insurance companies can confidently advertise the savings. Because of these techniques, you really need to do a rate comparison at every renewal. It’s just too difficult to predict with any certainty which company will fit you best based on your risk profile.

Insurance agents can help

When it comes to buying coverage for your vehicles, there is no “best” method to buy coverage. Every insured’s situation is different.

These are some specific questions can help discover if you might need an agent’s assistance.

• Do I need special endorsements for business use of my vehicle?
• Do I need roadside assistance coverage?
• What is the minimum liability in my state?
• Do I need replacement cost coverage?
• Do I need an umbrella policy?
• Am I covered if my car is in a flood?
• Can I rent a car in Mexico?
• If my pet gets injured in an accident are they covered?
• Can I still get insurance after a DUI?
• Why does it cost so much to insure a teen driver?

If you’re not sure about those questions but a few of them apply, then you may want to think about talking to an insurance agent. To find lower rates from a local agent, fill out this quick form.

Coverages available on your policy

Knowing the specifics of your policy can help you determine the best coverages and proper limits and deductibles. The coverage terms in a policy can be impossible to understand and nobody wants to actually read their policy.

Protection from uninsured/underinsured drivers

This coverage provides protection when the “other guys” either are underinsured or have no liability coverage at all. Covered losses include medical payments for you and your occupants and damage to your 2013 Dodge Charger.

Since a lot of drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.

Auto collision coverage

Collision coverage will pay to fix damage to your Charger caused by collision with another vehicle or an object, but not an animal. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for claims such as sideswiping another vehicle, crashing into a ditch, colliding with another moving vehicle and colliding with a tree. Paying for collision coverage can be pricey, so you might think about dropping it from older vehicles. It’s also possible to increase the deductible in order to get cheaper collision rates.

Medical expense insurance

Med pay and PIP coverage pay for expenses for EMT expenses, ambulance fees, doctor visits, X-ray expenses and nursing services. The coverages can be utilized in addition to your health insurance program or if there is no health insurance coverage. They cover all vehicle occupants and will also cover getting struck while a pedestrian. Personal Injury Protection is not available in all states but it provides additional coverages not offered by medical payments coverage

Auto liability insurance

Liability insurance will cover injuries or damage you cause to other’s property or people that is your fault. It protects you against other people’s claims, and does not provide coverage for damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show limits of 50/100/50 which stand for $50,000 in coverage for each person’s injuries, $100,000 for the entire accident, and a limit of $50,000 paid for damaged property.

Liability coverage protects against claims like medical expenses, medical services, repair costs for stationary objects, pain and suffering and repair bills for other people’s vehicles. How much liability should you purchase? That is your choice, but you should buy as high a limit as you can afford.

Comprehensive (Other than Collision)

Comprehensive insurance coverage pays to fix your vehicle from damage that is not covered by collision coverage. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive insurance covers things such as a tree branch falling on your vehicle, falling objects, vandalism, hitting a deer and theft. The maximum amount your insurance company will pay is the market value of your vehicle, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Buy Smart and Save

While you’re price shopping online, you should never skimp on coverage in order to save money. Too many times, someone dropped full coverage only to regret that their decision to reduce coverage ended up costing them more. The proper strategy is to buy enough coverage for the lowest cost.

Drivers change insurance companies for a number of reasons such as denial of a claim, not issuing a premium refund, questionable increases in premium or even poor customer service. Regardless of your reason for switching companies, finding a new company is actually quite simple.

We covered a lot of information how to shop for 2013 Dodge Charger insurance online. The most important thing to understand is the more you quote car insurance, the better likelihood of getting the cheapest car insurance. You may even find the best prices are with a company that doesn’t do a lot of advertising.

More information is available at these links:

• Electronic Stability Control FAQ (iihs.org)
• Keeping Children Safe in Crashes Video (iihs.org)
• Neck Injury FAQ (iihs.org)
• Senior Drivers (Insurance Information Insitute)
• Insuring a Leased Car (Insurance Information Insitute)
• Top Signs Your Brakes are Giving Out (State Farm)