How Much Does 2016 Dodge Charger Car Insurance Cost?

Trying to find lower auto insurance rates for your Dodge Charger? Are you regretting the purchase of high-priced auto insurance? Trust us, many drivers feel the same as you.

Online insurance companies like Progressive, Geico and Farmers Insurance increase brand awareness with TV and radio ads and it is difficult to avoid their marketing magic and find the best price available.

If you have car insurance now, you will most likely be able to save some money using these methods. Choosing the best insurance company for you is quite easy. But drivers must comprehend how companies sell insurance online and apply this information to your search.

Cheapest car insurance quotes

To get affordable auto insurance quotes, there a variety of ways to compare prices from local car insurance companies. The simplest method to do a complete rate comparison is to jump online and get quotes. It is quite easy and can be accomplished using a couple different methods.

• The simplest way to get quotes for comparison is a comparison rater form click here to open form in new window. This form prevents you from having to do repetitive form entry for each company you want a rate for. One quote request will return price quotes from several companies.
• Another way to analyze rates consists of visiting the website for every company you want to comare and repeat the quote process again and again. For examples sake, we’ll assume you want to compare prices for Nationwide, Farmers and Travelers. In order to get each rate, you would have to spend time on each company’s site to enter your coverage information, and that’s why the first method is more popular.

  For a list of companies in your area, click here.

It’s up to you how you get prices quotes, just compare exactly the same deductibles and coverage limits for each comparison quote. If you compare different liability limits you will not be able to decipher which rate is best. Just slight variations in insurance coverages may result in large price differences. And when price shopping your coverage, quoting more provides better odds of finding more affordable rates.

Don’t miss with these discounts

Car insurance is not inexpensive, but there’s a good chance there are discounts that you may not even be aware of. Some discounts will apply when you purchase, but a few need to be manually applied prior to getting the savings. If you do not check that you are getting every discount possible, you may be paying too high a price.

• Multiple Cars – Buying coverage for all your vehicles with the same company could earn a price break for each car.
• Driver Safety – Passing a course in defensive driver could possibly earn you a 5% discount if your company offers it.
• E-sign – Some insurance companies will provide an incentive for completing your application on the web.
• Discount for Passive Restraints – Vehicles with factory air bags and/or automatic seat belt systems can qualify for discounts of 20% or more.
• Bundled Policy Discount – If you combine your home and auto policies with one company you could save nearly 15% which can help you find the cheapest auto insurance.
• Low Miles Discount – Driving less may allow you to get lower prices due to less chance of an accident.
• Early Payment Discounts – If you pay your entire premium ahead of time as opposed to paying monthly you may reduce your total bill.
• Service Members Pay Less – Having a family member in the military could trigger a small discount.
• ABS Braking Discount – Cars, trucks, and SUVs equipped with ABS or steering control can stop better under adverse conditions and earn discounts up to 10%.
• Professional Organizations – Having an affiliation with specific professional or occupational memberships or organizations could qualify you for a break on your bill.

Policy discounts save money, but some of the credits will not apply to all coverage premiums. Most only reduce specific coverage prices like liability and collision coverage. If you do the math and it seems like you would end up receiving a 100% discount, you won’t be that lucky.

Companies and a summarized list of policyholder discounts can be read below.

• Esurance includes discounts for defensive driver, claim free, multi-policy, safety device, online quote, and homeowner.
• The Hartford has savings for driver training, defensive driver, bundle, vehicle fuel type, anti-theft, air bag, and good student.
• AAA may include discounts for AAA membership discount, multi-car, anti-theft, good student, education and occupation, multi-policy, and pay-in-full.
• Geico has discounts for multi-vehicle, military active duty, air bags, good student, federal employee, anti-lock brakes, and driver training.
• State Farm may have discounts that include passive restraint, anti-theft, good student, Steer Clear safe driver discount, accident-free, and multiple autos.

Check with every company to give you their best rates. Some of the earlier mentioned discounts may not apply in your state.

Insurance premiums are influenced by these factors

Many factors are used in the calculation when premium rates are determined. Some are pretty understandable such as traffic violations, although others are more transparent like where you live or how financially stable you are.Smart consumers have a good feel for the different types of things that aid in calculating the rates you pay for car insurance. When you know what positively or negatively determines base rates, this helps enable you to make changes that can earn you much lower annual insurance costs.

The itemized list below are some of the factors used by your company to calculate your premiums.

• Companies want multiple policies – Some companies will award lower prices to insureds who consolidate policies with them such as combining an auto and homeowners policy. The amount of the discounts can be ten percent or more. If you currently are using one company, it’s in your best interest to compare other insurance prices to guarantee you are still saving the most. It’s possible to still save more without the discount by buying from different companies
• Increase coverage deductibles to save – Comp and collision deductibles tell how much the insured will be required to pay before a claim is paid by your company. Physical damage coverage, otherwise known as comp (or other than collision) and collision, is used to repair damage to your car. A few examples of covered claims are a windshield broken by a bird, vandalism, or theft of your vehicle. The higher the amount you pay before a claim is paid (deductible), the lower your rates will be for Charger coverage.
• Premiums increase with driving tickets – Getting just one citation can boost insurance rates substantially. Attentive drivers pay lower auto insurance prices compared to drivers with tickets. Drivers unfortunate enough to have license-revoking violations such as DUI, reckless driving or excessive speeding might be required by their state to file a SR-22 to the state department of motor vehicles in order to legally drive a vehicle.
• Annual mileage and car insurance costs – Driving a lot of miles in a year the more you will pay for car insurance. Many insurance companies calculate rates based upon how much you drive. Vehicles that do not get driven very much get more affordable rates than those used for commuting. Make sure your declarations sheet correctly shows the proper vehicle usage, because improper ratings can cost you money. A policy that improperly rates your Charger may be wasting your money.
• Vehicles with better crash test results are cheaper to insure – Vehicles with good safety scores tend to have better insurance rates. The safest vehicles protect occupants better and fewer injuries translates directly to fewer claims and lower rates for you.
• Stress out and pay more – Careers such as doctorspolice officers and financial analysts generally have higher premium rates due to job stress and long work hours. Other jobs such as actors, students and retirees pay lower than average rates for Charger coverage.
• Do you need those extra coverages? – Insurance policies have a lot of additional extra coverages that may not really be needed on your Charger policy. Add-on coverages like coverage for rental cars, death and dismemberment, and additional equipment coverage are some examples. These may sound like a good investment when buying your policy, but now you might not need them so think about removing them and cutting costs.
• Theft deterrents save – Owning a car with a theft deterrent system can help lower your premiums. Theft prevention features like GM’s OnStar, tamper alarm systems and vehicle immobilizers all hinder car theft and help bring rates down.

Your situation helps dictate your coverage

When buying the right insurance coverage for your personal vehicles, there isn’t really a perfect coverage plan. Your needs are not the same as everyone else’s so your insurance should reflect that For example, these questions might point out if your insurance needs would benefit from professional advice.

• Am I covered if I hit my neighbor’s mailbox?
• Can I rate high risk drivers on liability-only vehicles?
• Am I covered when using my vehicle for business?
• When can I cancel my policy?
• What can I do if my company denied a claim?
• When should I drop full coverage on my 2016 Dodge Charger?
• Do all my vehicles need collision coverage?
• How many claims can I have before being cancelled?
• If my pet gets injured in an accident are they covered?
• Does my 2016 Dodge Charger qualify for pleasure use?

If you don’t know the answers to these questions, then you may want to think about talking to a licensed insurance agent. If you want to speak to an agent in your area, fill out this quick form or you can go here for a list of companies in your area.

Learn about auto insurance coverages for a 2016 Dodge Charger

Knowing the specifics of your auto insurance policy aids in choosing which coverages you need for your vehicles. Auto insurance terms can be ambiguous and coverage can change by endorsement. These are typical coverage types offered by auto insurance companies.

UM/UIM Coverage

Your UM/UIM coverage gives you protection from other drivers when they either have no liability insurance or not enough. This coverage pays for hospital bills for your injuries and also any damage incurred to your Dodge Charger.

Because many people carry very low liability coverage limits, their limits can quickly be used up. So UM/UIM coverage is a good idea.

Comprehensive or Other Than Collision

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

Comprehensive coverage pays for things like rock chips in glass, falling objects and theft. The maximum amount you’ll receive from a claim is the ACV or actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.

Coverage for collisions

This coverage pays to fix your vehicle from damage from colliding with another vehicle or an object, but not an animal. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers things such as colliding with a tree, driving through your garage door, crashing into a building and sustaining damage from a pot hole. This coverage can be expensive, so consider removing coverage from older vehicles. It’s also possible to raise the deductible to get cheaper collision coverage.

Liability coverages

This coverage protects you from damages or injuries you inflict on people or other property by causing an accident. This insurance protects YOU from legal claims by others, and does not provide coverage for damage sustained by your vehicle in an accident.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. You commonly see values of 25/50/25 that means you have a $25,000 limit per person for injuries, a limit of $50,000 in injury protection per accident, and a limit of $25,000 paid for damaged property.

Liability insurance covers claims such as legal defense fees, attorney fees, repair costs for stationary objects and emergency aid. How much liability should you purchase? That is a decision to put some thought into, but consider buying as high a limit as you can afford.

Medical costs insurance

Personal Injury Protection (PIP) and medical payments coverage kick in for short-term medical expenses such as X-ray expenses, rehabilitation expenses, nursing services, pain medications and prosthetic devices. The coverages can be used to cover expenses not covered by your health insurance program or if you lack health insurance entirely. Coverage applies to both the driver and occupants in addition to if you are hit as a while walking down the street. Personal injury protection coverage is not universally available but can be used in place of medical payments coverage

Spend less. Save more.

There are still a few companies who don’t offer price quotes online and these smaller companies provide coverage only through local independent agencies. Cheap 2016 Dodge Charger insurance is available both online and from local agencies, so you need to compare both to have the best rate selection.

We just covered a lot of tips how to compare 2016 Dodge Charger insurance prices online. It’s most important to understand that the more companies you get rates for, the better your comparison will be. You may even discover the best prices are with the smaller companies. These smaller insurers may cover specific market segments cheaper compared to the large companies like State Farm or Progressive.

Helpful articles

• What Does No-Fault Insurance Cover? (Allstate)
• Vehicle Safety Ratings (iihs.org)
• Property Damage Coverage (Liberty Mutual)
• Auto Insurance for Teen Drivers (Insurance Information Insitute)
• Drunk Driving Statistics (Insurance Information Insitute)
• Shopping for a Safe Car (Insurance Information Insitute)