Want cheaper insurance rates for your Dodge Charger? No one in their right mind anticipates paying for insurance, particularly when the prices are way too high. Vehicle owners have many car insurance companies to purchase coverage from, and although it’s nice to be able to choose, lots of choices makes it harder to find a good deal.
It’s smart to quote other rates every six months because insurance prices go up and down regularly. Just because you had the best rates on Charger insurance at your last renewal there is a good chance you can find better premium rates now. Ignore everything you know about insurance because we’re going to demonstrate the fastest and easiest way to reduce your cost while improving coverage.
Cutting your insurance coverage rates is surprisingly easy. Consumers just need to spend a little time comparing rates from some recommended companies. This can be done by following the guidelines below.
One of the simplest ways to get the best comparison quotes is to use a rate comparison form like this one (opens in new window). This style of form saves time by eliminating multiple quote forms for every company. One simple form gets you price quotes direct from many companies.
Another way to obtain and compare quotes online consists of visiting each company’s website to complete their respective quote request forms. For sake of this example, let’s say you want to compare prices for USAA, Safeco and Allstate. To do that, you would have to take the time to go to each site to input your insurance information, which is why the first method is more popular. For a handy list of car insurance company links in your area, click here.
The most difficult method to comparison shop rate quotes is to drive around to insurance agents’ offices. Shopping for insurance coverage online reduces the need to sit down with an agent unless you require the professional advice that only an agent can give. However, consumers can find lower rates online but have a local agent actually write the policy.
The method you choose is up to you, but compare apples-to-apples coverages and limits for each quote you get. If you compare different data then you won’t be able to determine the lowest rate for your Dodge Charger.
When it comes to choosing the right insurance coverage for your personal vehicles, there really is not a “best” method to buy coverage. Everyone’s situation is unique and your policy should reflect that. For example, these questions might help in determining whether your personal situation may require specific advice.
If it’s difficult to answer those questions but you know they apply to you then you might want to talk to a licensed agent. To find an agent in your area, complete this form or you can also visit this page to select a carrier It’s fast, free and may give you better protection.
Knowing the specifics of your insurance policy helps when choosing appropriate coverage for your vehicles. Insurance terms can be confusing and even agents have difficulty translating policy wording. Below you’ll find typical coverage types found on most insurance policies.
Coverage for uninsured or underinsured drivers
Uninsured or Underinsured Motorist coverage protects you and your vehicle from other motorists when they either have no liability insurance or not enough. This coverage pays for medical payments for you and your occupants as well as damage to your 2017 Dodge Charger.
Since many drivers have only the minimum liability required by law, their limits can quickly be used up. This is the reason having UM/UIM coverage is a good idea. Normally your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.
Liability car insurance
This coverage protects you from damage or injury you incur to people or other property. It protects YOU against claims from other people. Liability doesn’t cover damage sustained by your vehicle in an accident.
Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. As an example, you may have policy limits of 25/50/25 that translate to $25,000 in coverage for each person’s injuries, a per accident bodily injury limit of $50,000, and a limit of $25,000 paid for damaged property. Some companies may use one number which is a combined single limit which limits claims to one amount without having the split limit caps.
Liability coverage protects against things like attorney fees, court costs and repair costs for stationary objects. How much liability coverage do you need? That is a personal decision, but buy higher limits if possible.
This will pay to fix damage from a wide range of events other than collision. You first must pay your deductible and then insurance will cover the rest of the damage.
Comprehensive can pay for claims like vandalism, damage from getting keyed, fire damage and hitting a bird. The most a insurance company will pay at claim time is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.
Collision coverage protection
This coverage covers damage to your Charger from colliding with another car or object. You have to pay a deductible and then insurance will cover the remainder.
Collision coverage pays for things like backing into a parked car, hitting a parking meter and damaging your car on a curb. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. You can also increase the deductible to get cheaper collision coverage.
Coverage for medical expenses
Coverage for medical payments and/or PIP reimburse you for immediate expenses for prosthetic devices, hospital visits, X-ray expenses, funeral costs and ambulance fees. The coverages can be used to cover expenses not covered by your health insurance program or if there is no health insurance coverage. It covers not only the driver but also the vehicle occupants and will also cover if you are hit as a while walking down the street. Personal Injury Protection is not available in all states but it provides additional coverages not offered by medical payments coverage