2008 Dodge Charger Insurance Rates

Are you intimidated by the crazy number of insurance sources in your area? There are such a large number of options that it can be a ton of work to find lower insurance rates.

Cheapest insurance quotes

The majority of larger companies make it easy to get insurance quotes directly from their websites. Getting prices online doesn’t take a lot of time as you just enter the amount of coverage you want into a form. After you submit the form the quote system requests credit information and your driving record and generates a price determined by many factors.

Quoting online helps simplify price comparisons, but having to visit many different websites and type in the same data is monotonous and tiresome. But it’s very important to get many rate quotes if you want to find the lowest insurance rates.

The easiest way to lower your insurance bill utilizes a single form to return rates from many companies. It’s a real time-saver, requires less work, and makes online shopping a lot less work. Immediately after you send the form, it gets priced and you can choose any or none of the returned quotes.

If you find a better price you can click and sign and purchase the new policy. The entire process just takes a couple of minutes and you will know how your current rates stack up.

To quickly compare pricing, click here and enter your vehicle and coverage information. If you currently have coverage, we recommend you duplicate coverages and limits as shown on your current policy. Using the same limits helps guarantee you are getting a fair comparison for similar coverage.

Do you qualify for discounts?

Some companies don’t list every disount available in an easy-to-find place, so the list below details a few of the more common and also the more inconspicuous discounts you could be receiving when you buy insurance online.

  • Buy New and Save – Buying a new car instead of a used car is cheaper compared to insuring an older model.
  • Discounts for Multiple Vehicles – Insuring several vehicles on a single policy may reduce the rate for each vehicle.
  • Passive Restraints – Vehicles equipped with air bags or motorized seat belts can qualify for discounts up to 30%.
  • Payment Method – By making one initial payment instead of paying each month you could save 5% or more.
  • Student in College – who live away from home at college and do not take a car to college could get you a discount.
  • Multi-policy Discount – If you insure your home and vehicles with one insurance company you may earn at least 10% off all policies.
  • Seat Belts Save more than Lives – Drivers who require all occupants to buckle their seat belts can save up to 10 percent (depending on the company) off PIP or medical payments premium.
  • Include Life Insurance and Save – Some car insurance companies give a break if you buy auto and life insurance together.

While discounts sound great, it’s important to understand that many deductions do not apply to the entire policy premium. Most only cut individual premiums such as comp or med pay. Despite the fact that it seems like having all the discounts means you get insurance for free, company stockholders wouldn’t be very happy.

Companies and a partial list of their discounts include:

  • Geico includes discounts for multi-policy, military active duty, federal employee, anti-theft, seat belt use, emergency military deployment, and air bags.
  • Travelers offers discounts for hybrid/electric vehicle, home ownership, student away at school, IntelliDrive, and good student.
  • Farm Bureau may offer discounts for driver training, multi-policy, renewal discount, youthful driver, multi-vehicle, and good student.
  • Liberty Mutual offers discounts including new move discount, teen driver discount, good student, multi-policy, multi-car, safety features, and new graduate.
  • American Family policyholders can earn discounts including early bird, TimeAway discount, good driver, bundled insurance, and mySafetyValet.
  • Progressive offers premium reductions for multi-vehicle, multi-policy, online quote discount, good student, online signing, and continuous coverage.

If you need inexpensive insurance quotes, ask every company which credits you are entitled to. Savings may not be available in your area. If you would like to see a list of providers that offer many of these discounts, click here.

Lower insurance rates with these tips

Part of the car insurance buying process is learning the rating factors that help determine the price you pay for car insurance. If you have a feel for what influences your rates, this enables you to make decisions that will entitle you to big savings.

  • GPS tracking and theft deterrents lowers prices – Choosing to buy a car that has an advanced theft prevention system can earn a premium discount. Theft prevention devices such as OnStar, LoJack tracking, and tamper alarms all hinder car theft.
  • Your career may increase prices – Did you know your career choice can influence rates? Careers like military generals, architects and dentists generally have higher average rates because of job stress and long work days. On the other hand, jobs such as farmers, students and performers generally pay rates lower than average for Charger insurance.
  • Save money by having excellent credit – Having a good credit rating can be a huge factor in your rate calculation. If your credit score is low, you may save money insuring your 2008 Dodge Charger by improving your rating. Insureds that have high credit scores tend to file fewer claims and have better driving records than drivers who have worse credit.
  • Premiums are high for teenagers – Older, more experienced drivers are viewed as being more responsible, are lower risk to insure , and are generally more financially stable.Teenage drivers are known to be easily distracted when behind the wheel therefore car insurance rates are much higher.
  • Cars with good safety ratings save money – Safe vehicles can get you lower premiums. Highly rated vehicles reduce injuries and lower injury rates means less money paid by your insurance company and lower rates for you.
  • Never go without car insurance – Letting your insurance expire will be a fast way to increase your rates. In addition to paying higher rates, the inability to provide proof of insurance will get you a steep fine or even jail time.
  • More traffic equals higher rates – Residing in less populated areas of the country may provide you with better prices if you are looking for the lowest rates. City drivers have congested traffic and longer commutes to work. Less people living in that area translates into fewer accident claims in addition to lower liability claims
  • Safeguard your assets with liability – The liability coverage on your policy will afford coverage if you are determined to be liable for damages from an accident. Liability provides you with a defense in court starting from day one. It is affordable coverage compared to other policy coverages, so do not skimp.

Don’t assume everyone needs the same car insurance coverage

When buying adequate coverage for your personal vehicles, there really is not a perfect coverage plan. Every situation is different.

For example, these questions may help highlight whether or not you might need professional guidance.

  • Do I need added coverage for expensive stereo equipment?
  • Does my personal policy cover me when driving out-of-state?
  • If my pet gets injured in an accident are they covered?
  • Is my state a no-fault state?
  • Should I carry comprehensive and collision coverage?
  • Do I pay less for low miles?
  • Are rental cars covered under my policy?
  • Can I rent a car in Mexico?
  • Am I getting all the discounts available?

If you’re not sure about those questions but a few of them apply then you might want to talk to a licensed insurance agent. If you don’t have a local agent, simply complete this short form.

Are you falling for claims of savings?

Insurance coverage providers like Progressive, Allstate and Geico regularly use television, radio, and online ads. All the ads state the claim that you can save if you move your insurance coverage policy to them. But how can every company give you a lower rate? This is the way they can do it.

Different companies have specific characteristics for the type of customer that will most likely be profitable. For instance, a profitable customer could be between the ages of 30 and 50, is a homeowner, and drives newer vehicles. Anybody that hits that “sweet spot” may get the lowest car insurance rates and most likely will save if they switch.

People who don’t measure up to the requirements will probably have to pay higher premium rates and this results in the customer not buying. The trick companies use is to say “customers that switch” not “everyone that quotes” can get the lowest rates when switching. That’s the way insurance companies can make it sound like they have such great car insurance rates.

Because each company has a different risk profile, drivers should get price quotes at each policy renewal. It’s just not possible to know which insurance companies will give you lower rates than your current company.

Specifics of your auto insurance policy

Knowing the specifics of a auto insurance policy helps when choosing the best coverages at the best deductibles and correct limits. Auto insurance terms can be ambiguous and even agents have difficulty translating policy wording.

Collision coverage

This covers damage to your Charger from colliding with another car or object. A deductible applies and then insurance will cover the remainder.

Collision insurance covers things such as backing into a parked car, rolling your car and colliding with another moving vehicle. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are older. Drivers also have the option to bump up the deductible to bring the cost down.

UM/UIM Coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle when the “other guys” either have no liability insurance or not enough. This coverage pays for injuries sustained by your vehicle’s occupants and damage to your 2008 Dodge Charger.

Because many people only carry the minimum required liability limits, their limits can quickly be used up. So UM/UIM coverage is a good idea. Usually the UM/UIM limits are identical to your policy’s liability coverage.

Liability auto insurance

This will cover damage or injury you incur to other people or property in an accident. It protects you against claims from other people. It does not cover your own vehicle damage or injuries.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You might see policy limits of 100/300/100 which means $100,000 in coverage for each person’s injuries, a limit of $300,000 in injury protection per accident, and a limit of $100,000 paid for damaged 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 protects against claims like structural damage, loss of income, emergency aid and legal defense fees. How much liability coverage do you need? That is a decision to put some thought into, but consider buying as much as you can afford.

Comprehensive or Other Than Collision

This coverage pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive insurance covers claims such as a broken windshield, fire damage, hitting a deer, vandalism and hitting a bird. The maximum payout a auto insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle is not worth much consider dropping full coverage.

Medical costs insurance

Personal Injury Protection (PIP) and medical payments coverage reimburse you for bills such as surgery, ambulance fees, EMT expenses and nursing services. They are used in conjunction with a health insurance plan or if you do not have health coverage. It covers both the driver and occupants and will also cover if you are hit as a while walking down the street. PIP coverage is only offered in select states and gives slightly broader coverage than med pay

In Summary

Budget-conscious 2008 Dodge Charger insurance can be purchased both online and with local insurance agents, so get free insurance quotes from both of them to have the best selection. Some companies may not have the ability to get quotes online and many times these smaller providers provide coverage only through independent agencies.

In this article, we presented many tips how you can shop for 2008 Dodge Charger insurance online. It’s most important to understand that the more price quotes you have, the better chance you’ll have of finding cheap insurance. You may be surprised to find that the lowest rates come from an unexpected company.

People leave their current company for any number of reasons including delays in paying claims, being labeled a high risk driver, extreme rates for teen drivers and high rates after DUI convictions. It doesn’t matter what your reason, finding the right car insurance provider is easier than you think.

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