Searching for cheaper insurance for your Dodge Charger can be difficult, but you can follow the following methods to make it easier.
There is a right way and a wrong way to find car insurance online so we’re going to tell you the quickest way to quote coverages on a Dodge and find the lowest price.
Shopping for affordable car insurance coverage is simple if you know the tricks. In a nutshell, anyone who is required by state law to have car insurance will most likely be able to find lower rates. Although car owners must know the methods companies use to compete online and use this information to your advantage.
Compare Car Insurance Costs
Performing a rate comparison can take hours if you don’t utilize the most efficient way. You could spend the better part of a day talking to insurance companies in your area, or you could save time and use online quotes to get rate comparisons in just a few minutes.
Most of the best insurance companies belong to a marketplace where insurance shoppers enter their policy data once, and every company provides a quote based on the submitted data. This eliminates the need for quotation requests for each company.
To compare rates using this form now click here to start a free quote.
One minor caviat to doing it this way is buyers cannot specifically choose which carriers you will receive quotes from. So if you want to select from a list of companies to compare, we have a page of low cost car insurance companies in your area. Click here for list of insurance companies.
Whichever method you choose, make absolute certain that you use exactly the same deductibles and coverage limits for each comparison quote. If you compare higher or lower deductibles it’s not possible to truly determine the lowest rate. Slightly different limits may result in large price differences. And when quoting car insurance, remember that obtaining a wide range of quotes helps locate a better price.
Drivers who switch save $402 a year? Really?
Car insurance companies such as Allstate and Progressive consistently run ads on television and other media. They all seem to make the same claim about savings if you change to their company. But how can every company make the same claim?
All companies have a certain “appetite” for the driver that earns them a profit. For example, a profitable customer could be between 25 and 40, has no driving citations, and has excellent credit. Any new insured who meets those qualifications is entitled to the best price and therefore will save quite a bit of money when switching.
Potential customers who don’t measure up to this ideal profile will be quoted a higher premium and this can result in business not being written. Company advertisements say “people who switch” not “everybody who quotes” save that kind of money. This is how insurance companies can confidently make those claims.
This emphasizes why you should get a wide range of price quotes. Because you never know the company that will fit your personal profile best.
Don’t pay full price with these eight discounts
Car insurance is not cheap, but there could be available discounts to help bring down the price. Certain discounts will be applied when you quote, but a few need to be specially asked for before you get the savings.
- Employee of Federal Government – Simply working for the federal government could cut as much as 10% off for Charger coverage with select insurance companies.
- Defensive Driving Course – Taking a defensive driving course could possibly earn you a 5% discount and easily recoup the cost of the course.
- Discounts for Safe Drivers – Insureds without accidents may save up to 50% more for Charger coverage than drivers with accident claims.
- Good Student Discount – Performing well in school can earn a discount of 20% or more. Earning this discount can benefit you up until you turn 25.
- Sign Online – Some insurance companies may give you up to $50 simply for signing digitally online.
- Auto/Home Discount – When you have multiple policies with one company you will save up to 20% off your total premium.
- Clubs and Organizations – Belonging to a professional or civic organization is a good way to get lower rates when shopping for car insurance for Charger coverage.
- Seat Belts Save more than Lives – Requiring all passengers to buckle their seat belts could cut 10% or more on the medical payments or PIP coverage costs.
Keep in mind that many deductions do not apply to the entire cost. A few only apply to specific coverage prices like physical damage coverage or medical payments. Just because you may think you would end up receiving a 100% discount, companies don’t profit that way. But any discount will cut the cost of coverage.
But buying car insurance online seems impersonal
Some people just want to buy from a licensed agent and that is just fine! The biggest benefit of comparing insurance prices online is you may find better rates but also keep your business local. Supporting small agencies is important especially in smaller rural communities.
Upon completion of this form (opens in new window), your insurance coverage information is submitted to local insurance agents who will give you bids for your coverage. You never need to leave your computer as quotes are delivered to the email address you provide. Get lower rates without the usual hassles of price shopping.
Choose the right insurance agency
When finding a good insurance agent, you must know there are a couple types of agencies from which to choose. Agents can either be captive or independent (non-captive).
Independent Agents (or Brokers)
Independent insurance agents do not work for one specific company so they have the ability to put coverage with many different companies and potentially find a lower price. If you are not satisfied with one company, they simply move the coverage in-house without you having to go to a different agency.
When shopping rates, it’s a good idea to include price quotes from multiple independent agents to have the most options to choose from.Many can place coverage with lesser-known insurance companies who may have lower rates.
Captive Insurance Agents
Captive agencies are contracted to one company like AAA, Allstate, State Farm, Farmers Insurance or Liberty Mutual. They usually cannot shop your coverage around so they have no alternatives for high prices. These agents are well schooled on their products and sales techniques and that can be a competitive advantage. Some people will only buy from captive agents partially due to the brand legacy and the convenience of having a single billing for all their coverages.
To view a full list of car insurance agents, visit this site.
Selecting a car insurance agent should depend on more than just a low price. Ask your prospective agent these questions:
- Do the coverages you’re quoting properly cover your vehicle?
- Are they able to influence company decisions when a claim is filed?
- Do clients work directly with the agent or are most inquiries handled by a CSR?
- Is assistance available after office hours?
- If you are a high risk driver, do they have special markets for your coverage?
- Is vehicle mileage a factor when determining depreciation for repairs?
- What is the agency’s Better Business Bureau rating?
Upon receiving reasonable responses to all your questions in addition to an acceptable price estimate, you’ve probably found a car insurance agent that will service your policy. But keep in mind consumers can cancel your coverage at any point so never feel you’re contractually obligated to the car insurance policy with no way out.
Car insurance coverages and their meanings
Learning about specific coverages of your car insurance policy helps when choosing appropriate coverage for your vehicles. Policy terminology can be ambiguous and even agents have difficulty translating policy wording.
UM/UIM Coverage – Your UM/UIM coverage protects you and your vehicle when other motorists do not carry enough liability coverage. Covered claims include injuries to you and your family as well as damage to your Dodge Charger.
Due to the fact that many drivers have only the minimum liability required by law, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family. Most of the time your uninsured/underinsured motorist coverages are set the same as your liablity limits.
Liability car insurance – This provides protection from damages or injuries you inflict on people or other property. Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have liability limits of 100/300/100 which stand for $100,000 in coverage for each person’s injuries, a limit of $300,000 in injury protection per accident, and a total limit of $100,000 for damage to vehicles and property. Another option is a combined single limit or CSL which limits claims to one amount without having the split limit caps.
Liability coverage pays for things such as emergency aid, legal defense fees, attorney fees, loss of income and court costs. How much coverage you buy is a personal decision, but it’s cheap coverage so purchase as high a limit as you can afford.
Comprehensive or Other Than Collision – This coverage pays for damage from a wide range of events other than collision. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.
Comprehensive insurance covers claims such as hitting a bird, vandalism, falling objects, a tree branch falling on your vehicle and damage from getting keyed. The maximum amount you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.
Collision coverages – Collision coverage covers damage to your Charger resulting from colliding with an object or car. A deductible applies and then insurance will cover the remainder.
Collision insurance covers claims like driving through your garage door, scraping a guard rail, colliding with another moving vehicle, colliding with a tree and sustaining damage from a pot hole. 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 in order to get cheaper collision rates.
Medical costs insurance – Med pay and PIP coverage kick in for expenses like rehabilitation expenses, ambulance fees, X-ray expenses and dental work. The coverages can be used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. They cover not only the driver but also the vehicle occupants as well as if you are hit as a while walking down the street. PIP coverage is not an option in every state but can be used in place of medical payments coverage
Cheaper insurance is a realistic goal
Cost effective Dodge Charger insurance is attainable on the web and with local insurance agents, and you need to price shop both in order to have the best chance of saving money. Some car insurance companies do not offer the ability to get a quote online and most of the time these regional insurance providers sell through independent agents.
Drivers leave their current company for a number of reasons such as delays in responding to claim requests, an unsatisfactory settlement offer, high prices or extreme rates for teen drivers. Regardless of your reason for switching companies, switching companies is easier than you think.
We covered a lot of information how to shop for Dodge Charger insurance online. The key concept to understand is the more price quotes you have, the better likelihood of reducing your rate. You may even discover the most savings is with a lesser-known regional company.