Trying to come up with a payment for pricey auto insurance can consume your savings and make it hard to pay other bills. Performing a price comparison can be a smart way to lower your bills every month.
Companies like State Farm, Farmers Insurance, Geico and Allstate constantly blast consumers with TV and radio ads and consumers find it hard to see past the corporate glitz and take the time to shop coverage around.
It’s a good habit to shop coverage around quite often because auto insurance rates are constantly changing. Just because you had the best rate for Charger insurance six months ago other companies may now be cheaper. Forget all the misinformation about auto insurance because we’re going to show you how to use online quotes to find better rates and still maintain coverage.
The easiest way to get rate comparisons is to take advantage of the fact most larger insurance companies actually pay money for the chance to give you rate quotes. To begin a comparison, all you need to do is provide a small amount of information like driver ages, how much education you have, your general credit rating, and if the vehicle is leased. Your information is sent automatically to many of the top insurers and you will receive price estimates almost instantly.
Consumers can’t avoid all the ads that promise big savings by Progressive, Allstate and Geico. All the companies make an identical promise about saving some big amount if you change your insurance coverage policy to them.
How is it plausible that every one can offer you a better deal?
All companies quote the lowest rates for the type of insured that earns them the most money. A good example of this type of insured should be a married female, has few claims, and drives a lower-performance vehicle. A customer getting a price quote who fits those characteristics will get a cheap rate quote and will pay quite a bit less when switching companies.
Potential customers who don’t meet the “perfect” profile will be quoted higher prices and ends up with the driver buying from a lower-cost company. The trick companies use is to say “drivers who switch” but not “everyone who gets a quote” save money. That’s the way insurance companies can make those statements. Each company has different criteria, so drivers must compare free auto insurance quotes often. It is just not possible to predict which insurance companies will have the best prices.
Insuring your vehicles can cost a lot, but you might find some hidden discounts that can help lower your rates. Certain reductions will be credited when you quote, but less common discounts must be requested specifically before you will receive the discount. If you do not double check each discount possible, you’re paying more than you need to.
Please keep in mind that some of the credits will not apply to your bottom line cost. Most cut the price of certain insurance coverages like comprehensive or collision. Even though the math looks like having all the discounts means you get insurance for free, it’s just not the way it works.
Large car insurance companies and a partial list of their discounts are included below.
Before you buy a policy, ask all the companies which discounts they offer. Depending on the company, some discounts may not be available in your area.
When buying the best car insurance coverage for your vehicles, there really is no one size fits all plan. Everyone’s situation is a little different and a cookie cutter policy won’t apply. These are some specific questions may help you determine if you might need professional guidance.
If you’re not sure about those questions but one or more may apply to you, then you may want to think about talking to a licensed agent. If you want to speak to an agent in your area, take a second and complete this form or you can also visit this page to select a carrier It is quick, free and may give you better protection.
Learning about specific coverages of your policy helps when choosing appropriate coverage and the correct deductibles and limits. Policy terminology can be ambiguous and coverage can change by endorsement. Shown next are the usual coverages offered by insurance companies.
Liability coverages
This will cover damage or injury you incur to people or other property that is your fault. This coverage protects you against other people’s claims. Liability doesn’t cover damage to your own property or vehicle.
Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see values of 100/300/100 which means a $100,000 limit per person for injuries, a per accident bodily injury limit of $300,000, and $100,000 of coverage for damaged propery.
Liability coverage protects against things like court costs, structural damage, legal defense fees, medical expenses and funeral expenses. How much liability should you purchase? That is your choice, but it’s cheap coverage so purchase as much as you can afford.
Comprehensive auto coverage
Comprehensive insurance will pay to fix damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.
Comprehensive insurance covers things such as falling objects, hail damage, a broken windshield, damage from flooding and damage from a tornado or hurricane. 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 protection
Collision coverage will pay to fix damage to your Charger resulting from colliding with another vehicle or an object, but not an animal. You first must pay a deductible then your collision coverage will kick in.
Collision can pay for things like scraping a guard rail, colliding with another moving vehicle, crashing into a building, hitting a mailbox and sustaining damage from a pot hole. Collision is rather expensive coverage, so consider removing coverage from lower value vehicles. Drivers also have the option to choose a higher deductible in order to get cheaper collision rates.
UM/UIM (Uninsured/Underinsured Motorist) coverage
Your UM/UIM coverage gives you protection from other motorists when they either are underinsured or have no liability coverage at all. This coverage pays for injuries sustained by your vehicle’s occupants as well as damage to your Dodge Charger.
Since many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is a good idea.
Medical payments and PIP coverage
Med pay and PIP coverage pay for bills for things like surgery, hospital visits, X-ray expenses, doctor visits and funeral costs. They are often used to cover expenses not covered by your health insurance program or if there is no health insurance coverage. It covers you and your occupants as well as any family member struck as a pedestrian. PIP is only offered in select states and gives slightly broader coverage than med pay
We just covered many tips how you can lower your 2014 Dodge Charger insurance prices. The most important thing to understand is the more companies you get rates for, the better chance you’ll have of finding affordable auto insurance. You may even discover the best prices are with a small mutual company. Some small companies can often provide lower rates in certain areas as compared to the big name companies such as State Farm and Allstate.
Cheaper car insurance is available both online in addition to many insurance agents, and you should compare rates from both to get a complete price analysis. Some insurance providers don’t offer the ability to get quotes online and these regional insurance providers only sell through independent insurance agencies.
More tips and info about car insurance is located in these articles:
Dulce Crane
IT’S ALL TOO EXPENSIVE! From a town just southwest of Greensboro, North Carolina. Quoted with AAA, Sentry, and some smaller one I can’t remember the name of for my Charger and I think I saved about $30 each month. Can still barely afford it.
Chi King
I’m from Lewiston, ME. Got rates from Liberty Mutual, AAA, Sentry, and a couple others for my 2014 Dodge Charger and I’m now saving $21 a month. Was with Allstate. Just waiting to see how claims go.
Cherry Todd
My Dodge is faster than yours.
Sabra Glass
If you have a clean record and live near Kailua, HI, check out Progressive. You might save some money. I think they have home insurance too.
Larry Christensen
What are minimum liability limits required in Hawaii?
Abraham Gallegos
Here’s my quote info. I’m just north of Hilo, Hawaii. Received prices from American Family, Nationwide, and Western Auto Insurance for my Dodge and saved $556 a year. Insured with Mercury before. Hopefully won’t need it.
Roberto Tillman
IT’S ALL TOO EXPENSIVE! Live in the western part of Baton Rouge, LA. Got rates from USAA, AAA, Hanover, and Mercury for my Dodge and saved $540 a year. Left American Family to switch.
Dorthy Branch
Lots of useful info here. From a town just southwest of Wilmington, Delaware. Quoted with Mercury, Erie, GEICO, and Amica for my Charger and saved $132 a year. I’m a pretty low risk driver. Not sure about claim service.
Corrina Wilder
I live just outside Tampa, FL. I got free quotes with GEICO, Erie, and Hartford for my 2014 Dodge Charger and saved just over $390 a year. Got better coverage too.
Janene Colon
Where is cheaper car insurance? From north side of San Diego, CA. Don’t remember every company but I ended up saving about $50 each month. Left Amica to switch.
Ciera Cox
Good detail in your article. I’m in the west part of Tulsa, OK. Got car insurance quotes from AAA, Nationwide, and some smaller one I can’t remember the name of for my Dodge and saved $327 a year. God forbid I actually have a claim.
Perry Bartlett
Corporate greed I’m telling you. I live just to the east of Lincoln, NE. I quoted with AIG Insurance, Encompass, and Mercury for my 2014 Dodge Charger and I think I cut my rates about $70 each month.