View 2015 Dodge Charger Insurance Cost

Searching for lower car insurance rates for your Dodge Charger? Did a good deal turn out to be high-priced car insurance? Trust us, many drivers feel the same as you.

Insurance companies such as Geico, Progressive and Allstate all claim big savings, bombarding you with ads and it is challenging if not impossible to ignore the promise of big savings and effectively compare rates to find the best deal.

If you currently have car insurance, you stand a good chance to be able to cut costs considerably using these tips. Finding the best rates is not that difficult. Although car owners do need to know how big insurance companies market insurance on the web and take advantage of how the system works.

The easiest way to compare rate quotes is to know the trick most larger insurance companies have advanced systems to compare their rates. All you need to do is provide a small amount of information like whether you have decent credit, if a SR-22 is required, your job, and your education level. Those rating factors is then submitted to multiple different insurance companies and you should receive rate quotes very quickly.

If you would like to start a quote now, click here and find out if lower rates are available.

But the ad said I’d save 15% in 15 minutes!

Allstate and Progressive constantly bombard you with television, radio, and online ads. All the companies have a common claim about how much you will save if you move your policy. How is it possible that every company can sell you cheaper insurance coverage? This is how they do it.

Many companies can use profiling for the right customer that will most likely be profitable. A good example of this type of insured should be between 25 and 40, has no claims, and drives less than 7,500 miles a year. Anyone who matches those parameters gets the lowest car insurance rates and will pay quite a bit less when switching companies.

Potential customers who don’t measure up to this stringent profile will be quoted higher rates which results in the customer not purchasing. If you listen closely, the ads state “customers who switch” but not “all drivers who get quotes” save that much. This is how companies can make claims that they all have the best car insurance rates.

This emphasizes why you really should compare quotes as often as possible. It is just not possible to predict the company that will have the lowest rate quotes.

Find discounts on insurance

Auto insurance companies don’t necessarily list every discount they offer very well, so we researched a few of the more well known as well as some of the hidden discounts that you can inquire about if you buy car insurance online.

• Online Discount – A handful of insurance companies will give a small break shop car insurance online.
• Discount for Low Mileage – Driving less can qualify you for cheaper insurancerates.
• Senior Citizen Rates – If you qualify as a senior citizen, you may qualify for lower premium rates for Charger insurance.
• Claim Free – Insureds with no claims or accidents pay less when compared with policyholders that have many claims.
• Drivers Education – Make teen driver coverage more affordable by requiring them to enroll and complete driver’s education if offered at their school.
• ABS and Traction Control Discounts – Anti-lock brake equipped vehicles have fewer accidents so you can save 10 percent or more.
• Waiver for an Accident – but companies like Geico and Liberty Mutual will let one accident slide before hitting you with a surcharge as long as you don’t have any claims for a certain period of time.
• Defensive Driving Course – Passing a course in defensive driver can save you 5% or more and also improve your driving technique.
• Discounts for Responsible Drivers – Safe drivers could pay up to 40% less for Charger insurance than their less cautious counterparts.
• Pay Now and Pay Less – If you can afford to pay the entire bill rather than spreading payments over time you can actually save on your bill.

As a sidenote, most discounts do not apply to the entire policy premium. Most cut individual premiums such as liability, collision or medical payments. If you do the math and it seems like all the discounts add up to a free policy, you’re out of luck. But all discounts will positively reduce your premiums.

Companies and a selection of discounts are included below.

• Progressive may have discounts that include online signing, multi-vehicle, multi-policy, online quote discount, continuous coverage, and good student.
• AAA offers premium reductions for multi-car, multi-policy, good driver, good student, AAA membership discount, pay-in-full, and anti-theft.
• Farmers Insurance discounts include pay in full, business and professional, mature driver, multi-car, bundle discounts, and youthful driver.
• Geico offers discounts including multi-policy, daytime running lights, federal employee, defensive driver, emergency military deployment, and anti-lock brakes.
• Esurance includes discounts for online shopper, safety device, multi-car, online quote, emergency road assistance, and anti-theft.
• SAFECO may include discounts for homeowner, teen safety rewards, teen safe driver, bundle discounts, anti-theft, anti-lock brakes, and safe driver.
• State Farm may offer discounts for student away at school, defensive driving training, driver’s education, anti-theft, Steer Clear safe driver discount, and accident-free.

If you are trying to find cheap car insurance quotes, ask every insurance company how you can save money. Some credits might not be available to policyholders in your area.

Tailor your insurance coverage coverage to you

When it comes to buying proper insurance coverage for your vehicles, there is no single plan that fits everyone. Every insured’s situation is different and a cookie cutter policy won’t apply. These are some specific questions can aid in determining if your insurance needs might need professional guidance.

• Is a fancy paint job covered?
• Does my 2015 Dodge Charger need full coverage?
• Is my 2015 Dodge Charger covered for smoke damage?
• Does my personal policy cover me when driving out-of-state?
• Do I have coverage if my license is suspended?
• Will my rates increase for filing one claim?
• Why am I required to get a high-risk car insurance policy?
• How much liability do I need to cover my assets?

If you can’t answer these questions but you think they might apply to your situation, then you may want to think about talking to an insurance agent. To find lower rates from a local agent, complete this form or go to this page to view a list of companies.

Auto insurance coverage basics

Learning about specific coverages of your policy can help you determine the right coverages for your vehicles. Policy terminology can be ambiguous and coverage can change by endorsement. Below you’ll find the usual coverages available from auto insurance companies.

Comprehensive insurance – Comprehensive insurance covers damage that is not covered by collision coverage. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers claims like a broken windshield, damage from getting keyed and hitting a deer. The maximum payout your auto insurance company will pay is the actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Collision coverage – Collision insurance pays for damage to your Charger from colliding with a stationary object or other vehicle. You have to pay a deductible then your collision coverage will kick in.

Collision can pay for things like backing into a parked car, sustaining damage from a pot hole, hitting a parking meter, crashing into a building and damaging your car on a curb. This coverage can be expensive, so consider dropping it from vehicles that are older. Another option is to raise the deductible to bring the cost down.

Coverage for liability – Liability coverage protects you from injuries or damage you cause to other’s property or people by causing an accident. It protects YOU from legal claims by others, and does not provide coverage for your own vehicle damage or injuries.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see liability limits of 100/300/100 which stand for $100,000 in coverage for each person’s injuries, a per accident bodily injury limit of $300,000, and a total limit of $100,000 for damage to vehicles and property. Alternatively, you may have a combined single limit or CSL which limits claims to one amount with no separate limits for injury or property damage.

Liability coverage pays for claims such as court costs, emergency aid and bail bonds. How much coverage you buy is up to you, but you should buy higher limits if possible.

Med pay and Personal Injury Protection (PIP) – Med pay and PIP coverage kick in for short-term medical expenses like prosthetic devices, nursing services, ambulance fees, dental work and X-ray expenses. They are often utilized in addition to your health insurance policy or if you are not covered by health insurance. It covers not only the driver but also the vehicle occupants as well as getting struck while a pedestrian. Personal injury protection coverage is not universally available and may carry a deductible

Uninsured/Underinsured Motorist (UM/UIM) – This protects you and your vehicle when the “other guys” either are underinsured or have no liability coverage at all. This coverage pays for medical payments for you and your occupants as well as damage to your Dodge Charger.

Due to the fact that many drivers carry very low liability coverage limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages should not be overlooked. Most of the time your uninsured/underinsured motorist coverages are identical to your policy’s liability coverage.

Don’t throw your cash in the trash

You just learned some good ideas how you can compare 2015 Dodge Charger insurance car insurance rates online. The key thing to remember is the more times you quote, the better likelihood of getting low cost car insurance. You may be surprised to find that the lowest car insurance rates come from the smaller companies. These companies may only write in your state and offer lower premium rates compared to the large companies like Geico and State Farm.

As you go through the steps to switch your coverage, never skimp on critical coverages to save a buck or two. Too many times, consumers will sacrifice liability limits or collision coverage and found out when filing a claim that their decision to reduce coverage ended up costing them more. Your strategy should be to buy the best coverage you can find for the lowest cost while not skimping on critical coverages.

To learn more, feel free to visit these articles:

• Five Mistakes to Avoid (Insurance Information Insitute)
• Frontal Crash Tests (iihs.org)
• Five Tips to Save on Auto Insurance (Insurance Information Insitute)
• A Tree Fell on Your Car: Now What? (Allstate)
• Auto Insurance Learning Center (State Farm)