Cheaper 2006 Dodge Charger Insurance Quotes

Trying to find lower auto insurance rates for your Dodge Charger? Feel like you have overpriced auto insurance? It’s a common feeling and there are many drivers thinking the same thing. You have so many auto insurance companies to choose from, and although it’s nice to be able to choose, it can be more difficult to find the lowest rates.

Finding affordable coverage is easy if you know what you’re doing. If you have a current car insurance policy or are just looking to switch companies, you will benefit by learning to shop for the lowest rates while maintaining coverages. Consumers just need to understand the most effective way to compare company rates online.

Why informed consumers pay less for Dodge Charger insurance

The best way to find cheaper car insurance is to take a look at some of the factors that go into determining the price you pay for car insurance. When consumers understand what influences your rates, this enables you to make decisions that will entitle you to much lower annual insurance costs. Lots of factors are part of the equation when you get your auto insurance bill. Some are obvious like a motor vehicle report, although others are not quite as obvious such as your credit history or your financial responsibility.

  • Premiums are affected by your address – Residing in less populated areas of the country is a positive aspect when shopping for auto insurance. Drivers who live in large cities have much more traffic and longer commute times. Fewer drivers on the road translates into fewer accident claims in addition to fewer liability claims.
  • Liability coverage – Liability coverage will protect you when you are found liable for an accident. It will provide legal defense which can be incredibly expensive. Liability insurance is pretty cheap when compared with rates for comp and collision, so do not skimp.
  • Safety first – Safer cars get lower rates. Vehicles engineered for safety have better occupant injury protection and reduced instances of injuries translates into savings for insurance companies and more competitive rates for policyholders.
  • Extra policy coverages are wasting money – Policies have additional coverages that sound like a good idea at the time on your 2006 Charger policy. Things like rental car coverage, accident forgiveness, and motor club memberships are some examples. They may seem good when discussing your needs, but if they’re wasting money remove them from your policy.

Take advantage of every insurance coverage discount

Insuring your fleet can be pricey, but you might be missing out on some discounts that you may not even be aware of. Certain discounts will be triggered automatically when you get a quote, but once in a while a discount must be requested specifically before being credited.

  • Safety Restraint Discount – Drivers who always wear seat belts and also require passengers to buckle up before driving may be able to save a few bucks on the medical payments or PIP coverage costs.
  • Passive Restraints – Options like air bags or motorized seat belts could see savings as much as 30%.
  • More Vehicles More Savings – Buying a policy with multiple vehicles with the same insurance coverage company qualifies for this discount.
  • Savings for New Vehicles – Insuring a new car can be considerably cheaper because newer vehicles are generally safer.
  • Anti-theft Discount – Vehicles that have factory alarm systems and tracking devices are stolen less frequently and that can save you a little bit as well.
  • ABS Braking Discount – Cars with ABS and/or traction control can stop better under adverse conditions and qualify for as much as a 10% discount.
  • Mature Driver Discount – Seniors can get a small discount on rates for Charger insurance.
  • Student Driver Training – Cut your cost by having your teen driver successfully complete driver’s ed class as it can save substantially.
  • Student in College – Kids who are enrolled in a college that is more than 100 miles from home and do not have a car can receive lower rates.

Discounts save money, but please remember that some credits don’t apply to the overall cost of the policy. Some only reduce the cost of specific coverages such as collision or personal injury protection. Just because you may think all those discounts means the company will pay you, you aren’t that lucky. But all discounts will reduce the cost of coverage.

If you would like to view companies who offer free insurance coverage quotes, follow this link.

Advertising and car insurance

Drivers can’t ignore all the ads that claim the lowest prices from the likes of 21st Century, Allstate and State Farm. They all have a common claim about how much you will save if you just switch your policy.

It sounds good, but how can they all charge you less for auto insurance? Here is the trick they use.

All companies have strict underwriting profiles for the type of driver that will not have excessive claims. An example of a preferred risk might have to be a married male, carries full coverage, and has excellent credit. Any driver who matches those parameters will qualify for the lowest rates and will most likely save quite a bit of money when switching.

Insureds who cannot meet the requirements may be forced to pay higher premiums with the end result being the customer not buying. If you pay attention, the ads say “customers that switch” but not “everyone who gets a quote” can get the lowest rates when switching. That is how companies can make the claims of big savings. Each company has different criteria, so you really need to compare price quotes frequently. It is impossible to predict which company will have better prices than you’re paying now.

How to know if you need help

When choosing proper insurance coverage, there is no single plan that fits everyone. Every insured’s situation is different and a cookie cutter policy won’t apply. For instance, these questions can help discover whether you may require specific advice.

  • What is an SR-22 filing?
  • What is the minimum liability in my state?
  • Is upholstery damage covered by car insurance?
  • Do I have coverage when making deliveries for my home business?
  • What can I do if my company won’t pay a claim?
  • Am I getting all the discounts available?
  • Am I covered if I drive in a foreign country?
  • Do I pay less if my vehicle is kept in my garage?
  • How high should deductibles be on a 2006 Dodge Charger?
  • Is other people’s property covered if stolen from my vehicle?

If you don’t know the answers to these questions but you think they might apply to your situation, you might consider talking to an agent. If you don’t have a local agent, complete this form or click here for a list of auto insurance companies in your area. It’s fast, free and may give you better protection.

Auto insurance policy specifics

Learning about specific coverages of your auto insurance policy aids in choosing the right coverages for your vehicles. The terms used in a policy can be confusing and even agents have difficulty translating policy wording. Below you’ll find typical coverage types offered by auto insurance companies.

Comprehensive auto coverage

Comprehensive insurance pays for damage that is not covered by collision coverage. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for claims like hail damage, vandalism, hitting a bird and falling objects. The maximum amount your auto insurance company will pay is the cash value of the vehicle, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This coverage provides protection when other motorists either have no liability insurance or not enough. Covered losses include medical payments for you and your occupants as well as your vehicle’s damage.

Due to the fact that many drivers only purchase the least amount of liability that is required, their limits can quickly be used up. So UM/UIM coverage is very important.

Liability auto insurance

Liability coverage provides protection from damages or injuries you inflict on other’s property or people in an accident. It protects YOU from legal claims by others, and doesn’t cover your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have liability limits of 50/100/50 which means $50,000 bodily injury coverage, $100,000 for the entire accident, and property damage coverage for $50,000.

Liability coverage pays for things such as attorney fees, medical services, repair bills for other people’s vehicles, emergency aid and court costs. How much liability should you purchase? That is a decision to put some thought into, but you should buy as high a limit as you can afford.

Collision coverage

This coverage pays to fix your vehicle from damage from colliding with an object or car. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for things like sustaining damage from a pot hole, rolling your car, hitting a parking meter and hitting a mailbox. This coverage can be expensive, so consider dropping it from vehicles that are older. You can also bump up the deductible in order to get cheaper collision rates.

Medical payments and PIP coverage

Medical payments and Personal Injury Protection insurance provide coverage for immediate expenses such as hospital visits, surgery and EMT expenses. They can be utilized in addition to your health insurance plan or if you do not have health coverage. Medical payments and PIP cover you and your occupants in addition to any family member struck as a pedestrian. Personal injury protection coverage is not universally available and gives slightly broader coverage than med pay

Make a quick buck

Cheap 2006 Dodge Charger insurance is available on the web in addition to many insurance agents, so you should compare both to have the best selection. Some insurance providers do not provide internet price quotes and usually these smaller providers work with independent agents.

As you shop your coverage around, it’s not a good idea to reduce needed coverages to save money. There have been many situations where an insured dropped uninsured motorist or liability limits only to find out they didn’t purchase enough coverage. The aim is to purchase plenty of coverage for the lowest price, not the least amount of coverage.

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