How Much Does 2009 Dodge Charger Car Insurance Cost?

Searching for the cheapest insurance coverage rates for your Dodge Charger? Finding low cost rates on insurance coverage may be a challenge for drivers new to online price comparisons. With literally dozens of companies, it can quickly become a difficult challenge to find more affordable rates.

It’s smart to get comparison quotes yearly due to the fact that insurance prices are adjusted regularly by insurance companies. If you had the lowest price for Charger coverage two years ago a different company probably has better rates today. Ignore everything you know about insurance coverage because you’re about to learn the things you must know in order to reduce your cost while increasing coverage.

If you have car insurance now, you stand a good chance to be able to reduce your rates substantially using these tips. Pricing affordable protection can be fairly easy. Nevertheless, drivers do need to understand how insurance companies price online insurance because it can help you find the best coverage.

Four things that impact your insurance costs

Many factors are taken into consideration when you quote your car insurance policy. Some are pretty understandable such as traffic violations, but others are more transparent like where you live or your commute time.Consumers need to have an understanding of the factors that go into determining the price you pay for car insurance. If you understand what influences your rates, this enables informed choices that could help you find cheaper rates.

The items below are some of the things used by insurance companies to determine your premiums.

  • Never let your coverage lapse – Going without insurance will be a sure-fire way to pay more for car insurance. In addition to paying higher premiums, the inability to provide proof of insurance could result in fines and jail time.
  • Vehicles with better crash test results mean better premiums – Cars with five star safety ratings get lower rates. Safer cars reduce the chance of injuries and fewer serious injuries means less claims paid and cheaper rates on your policy.
  • Companies want multiple policies – Most insurers will give better rates to buyers who carry more than one policy in the form of a multi-policy discount. Discounts can add up to as much as ten percent or more Even if you’re getting this discount drivers will still want to shop around to make sure you are getting the best deal. It’s possible to still save even more by insuring with multiple companies.
  • When should you file a car insurance claims? – Companies award most affordable rates to insureds who are claim-free. If you file claims often, you can expect either policy cancellation or increased premiums. Insurance coverage is intended for the large, substantial claims.

How to compare free insurance quotes

The are a couple different ways of comparing rate quotes from local insurance companies. The fastest way to find affordable Dodge Charger insurance rates is to jump online and get quotes. It’s really quite simple and can be done in several different ways.

The first (and easiest) way consumers can make multiple comparisons would be an industry-wide quote request form like this one (opens in new window). This type of form prevents you from having to do separate quote forms for every insurance company. One simple form will return price quotes direct from many companies. This is by far the quickest method.

A harder way to find better pricing requires a visit to each individual company website to complete their respective quote request forms. For examples sake, we’ll assume you want to view quotes from USAA, Geico and Farmers. To get each rate you have to navigate to each company’s site and repeatedly type in your coverage information, which explains why we recommend starting with the first method. For a list of links to insurance companies in your area, click here.

If you have time to kill, the last method to compare price estimates is making phone calls or going to all the different insurance agencies. The ability to buy insurance online reduces the need to sit down with an agent unless you have a complicated situation and need the extra assistance of a local agency. Although you can get prices online but buy from a local insurance agent.

Whichever way you choose to compare rates, make darn sure you compare exactly the same coverages for each quote you get. If you use unequal deductibles or liability limits it will be very difficult to determine the lowest rate for your Dodge Charger. Just a small difference in coverage limits may cause a big price difference. Keep in mind that comparing more quotes increases your odds of finding more affordable rates.

Save with with these discounts

Companies don’t always advertise all available discounts very well, so we researched some of the best known as well as some of the hidden credits that may apply to you. If you are not receiving all the discounts available, you could be getting lower rates.

  • Anti-theft Discount – Cars that have factory anti-theft systems are stolen with less frequency so companies will give you a small discount.
  • Good Student – Maintaining excellent grades could provide a savings of up to 20% or more. The discount lasts well after school through age 25.
  • Early Renewal Discounts – A few insurance coverage companies give discounts for signing up prior to the expiration date on your current policy. It could save around 10% when you buy auto insurance online.
  • Discounts for Government Workers – Federal government employees can earn a discount up to 10% for Charger coverage with select insurance companies.
  • Student Discount for Driver Training – Have your child enroll and complete driver’s education as it can save substantially.
  • Discount for Life Insurance – Some companies give lower premium rates if you buy a life policy as well.

Don’t be shocked that most discounts do not apply to the entire policy premium. Most only reduce the cost of specific coverages such as physical damage coverage or medical payments. Even though it appears all the discounts add up to a free policy, insurance companies wouldn’t stay in business. Any amount of discount will help lower your policy cost.

Some of the larger companies that may have most of these discounts may include but are not limited to:

If you need inexpensive auto insurance quotes, ask all the companies which discounts you may be entitled to. Some of the earlier mentioned discounts may not apply to policyholders in your area. To see a list of insurers that offer discounts, click here to view.

Your situation helps dictate your coverage

When it comes to choosing adequate coverage, there really is not a single plan that fits everyone. Every insured’s situation is different.

For instance, these questions could help you determine whether or not you might need an agent’s assistance.

  • How high should my uninsured/underinsured coverage be in my state?
  • Does my 2009 Dodge Charger qualify for pleasure use?
  • Do I need to file an SR-22 for a DUI in my state?
  • Do I need an umbrella policy?
  • Is my business laptop covered if it gets stolen from my vehicle?
  • Do I benefit by insuring my home with the same company?
  • Why am I required to buy high-risk coverage?
  • Am I covered if I crash into my own garage door?
  • Does my medical payments coverage pay my health insurance deductible?
  • Can I afford to pay high deductible claims out of pocket?

If it’s difficult to answer those questions but a few of them apply, you might consider talking to a licensed agent. If you don’t have a local agent, simply complete this short form.

Car insurance coverage considerations

Having a good grasp of a car insurance policy helps when choosing the right coverages and proper limits and deductibles. The coverage terms in a policy can be ambiguous and reading a policy is terribly boring.

Comprehensive car insurance

This covers damage from a wide range of events other than collision. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive coverage protects against things such as hitting a bird, falling objects, a broken windshield and vandalism. The maximum payout you’ll receive from a claim is the actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.

Coverage for uninsured or underinsured drivers

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other motorists when they either have no liability insurance or not enough. It can pay for hospital bills for your injuries as well as damage to your 2009 Dodge Charger.

Since many drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is a good idea. Normally the UM/UIM limits do not exceed the liability coverage limits.

Coverage for medical expenses

Coverage for medical payments and/or PIP reimburse you for immediate expenses for things like ambulance fees, hospital visits and chiropractic care. The coverages can be utilized in addition to your health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants as well as being hit by a car walking across the street. Personal injury protection coverage is not universally available and may carry a deductible

Collision protection

This will pay to fix damage to your Charger caused by collision with another vehicle or an object, but not an animal. You first must pay a deductible then your collision coverage will kick in.

Collision coverage protects against claims such as sustaining damage from a pot hole, crashing into a ditch, colliding with another moving vehicle, crashing into a building and hitting a mailbox. This coverage can be expensive, so you might think about dropping it from vehicles that are older. It’s also possible to increase the deductible to bring the cost down.

Liability coverages

Liability coverage will cover damages or injuries you inflict on other people or property that is your fault. It protects you against other people’s claims, and does not provide coverage for your own vehicle damage or injuries.

Coverage consists of three different 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 50/100/50 which means a limit of $50,000 per injured person, $100,000 for the entire accident, and a total limit of $50,000 for damage to vehicles and property. Alternatively, you may have a combined limit which limits claims to one amount without having the split limit caps.

Liability can pay for claims like loss of income, medical expenses, repair costs for stationary objects, bail bonds and repair bills for other people’s vehicles. How much liability coverage do you need? That is a personal decision, but buy as large an amount as possible.

Final thoughts

While you’re price shopping online, never sacrifice coverage to reduce premiums. Too many times, an accident victim reduced physical damage coverage only to regret that the few dollars in savings costed them thousands. The goal is to find the BEST coverage at the lowest possible cost and still be able to protect your assets.

We just presented many ways to reduce 2009 Dodge Charger insurance prices online. The key thing to remember is the more rate quotes you have, the better your chances of lowering your rates. You may be surprised to find that the most savings is with the least-expected company.

Consumers switch companies for many reasons like lack of trust in their agent, denial of a claim, poor customer service and even not issuing a premium refund. Regardless of your reason, finding a great new company is less work than it seems.

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