How Much Does 2010 Dodge Charger Insurance Cost?

Tired of scraping nickels together to keep your car insured? You’re in the same situation as many other consumers.

Many car insurance companies vie for your business, so it’s not easy to compare every provider and uncover the absolute lowest rate

It’s smart to compare rates quite often because rates are rarely the same from one policy term to another. If you had the lowest rate on Charger coverage on your last policy you can probably find a better price now. You can search a lot of auto insurance online but in a few minutes you can learn the best ways to find affordable auto insurance.

If you have car insurance now, you will most likely be able to lower your premiums substantially using this information. Finding the best rates is not rocket science. But consumers need to have an understanding of how insurance companies market on the web and use this information to your advantage.

Shop auto insurance online

Many insurance companies like Progressive, Allstate and Geico allow consumers to get coverage price quotes online. The process is pretty painless as you just type in your required coverages into a form. After the form is submitted, the quote system pulls your driving and credit reports and returns a price quote based on these factors. This makes it a lot easier to compare rates but the time it takes to visit multiple sites and enter the same data into a form gets old quite quickly. But it’s very important to perform this step in order to find lower prices.

The smarter way to compare auto insurance pricing uses one simple form that gets price quotes from several different companies. This type of form saves time, eliminates repetitive work, and makes rate comparisons much easier to do. As soon as you send your information, it is quoted with multiple companies and you can pick your choice of the quotes that you receive. If a lower price is quoted, you can click and sign and purchase the new policy. It only takes a few minutes and may result in a nice savings.

To use this form to compare rates, click here to open in new window and enter your vehicle and coverage information. If you currently have coverage, we recommend you enter the insurance coverages identical to your current policy. This ensures you are getting a price comparison using the exact same coverages.

Cheaper insurance rates with discounts

Some insurance providers don’t necessarily list all their discounts in an easy-to-find place, so the following is a list of a few of the more well known as well as the least known discounts that you may qualify for. If they aren’t giving you every credit you deserve, you may be paying too high a price.

Low Mileage Discounts – Maintaining low annual mileage could qualify for lower insurancerates on the low mileage vehicles.
Passive Restraints – Factory options such as air bags or motorized seat belts may earn rate discounts of 25 to 30%.
Life Insurance – Larger companies have lower prices if you buy some life insurance in addition to your auto policy.
No Claims – Insureds who avoid accidents and claims pay less in comparison to drivers who are more careless.
Sign Early and Save – Some insurance companies provide a discount for switching to them prior to the expiration date on your current policy. This can save 10% or more.
More Vehicles More Savings – Having several vehicles with one company may reduce the rate for each vehicle.
Organization Discounts – Having an affiliation with a professional or civic organization is a simple method to lower premiums on your next insurance statement.

It’s important to understand that most credits do not apply to the entire cost. Most only apply to specific coverage prices like medical payments or collision. So when the math indicates you could get a free insurance policy, that’s just not realistic.

A few of the larger companies and a partial list of their discounts include:

Progressive policyholders can earn discounts including online quote discount, continuous coverage, multi-vehicle, multi-policy, good student, and homeowner.
SAFECO has savings for homeowner, bundle discounts, multi-car, anti-theft, teen safe driver, anti-lock brakes, and drive less.
American Family offers premium reductions for defensive driver, early bird, bundled insurance, TimeAway discount, good student, and multi-vehicle.
MetLife may have discounts that include claim-free, defensive driver, good driver, multi-policy, and good student.
Geico may include discounts for anti-lock brakes, daytime running lights, driver training, multi-vehicle, and good student.
The Hartford includes discounts for bundle, good student, defensive driver, air bag, and driver training.

Before you buy a policy, ask all companies you are considering what discounts are available to you. Some of the earlier mentioned discounts might not apply in your state. To see insurance companies that provide some of the discounts listed above, click this link.

Tailor your auto insurance coverage to you

When choosing the right insurance coverage for your vehicles, there really is not a best way to insure your cars. Every situation is different so your insurance needs to address that. These are some specific questions may help highlight whether you will benefit from professional help.

Do I need PIP coverage since I have good health insurance?
Am I covered when driving someone else’s vehicle?
Am I covered if I drive in a foreign country?
What is the minimum liability in my state?
Should I buy full coverage?
Why am I be forced to buy a membership to get insurance from some companies?
Are split liability limits better than a combined single limit?
Does coverage extend to Mexico or Canada?
Is borrowed equipment or tools covered if stolen or damaged?
Does my car insurance cover rental cars?

If you don’t know the answers to these questions but you think they might apply to your situation then you might want to talk to a licensed agent. If you want to speak to an agent in your area, fill out this quick form or you can also visit this page to select a carrier

Car insurance policy coverages for a Dodge Charger

Learning about specific coverages of your car insurance policy can be of help when determining the best coverages for your vehicles. The terms used in a policy can be impossible to understand and coverage can change by endorsement. Shown next are typical coverage types offered by car insurance companies.

Comprehensive (Other than Collision)

This coverage pays to fix your vehicle from damage from a wide range of events other than collision. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for things like damage from getting keyed, theft, a tree branch falling on your vehicle, hail damage and damage from a tornado or hurricane. The highest amount you’ll receive from a claim is the actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.

Coverage for collisions

Collision coverage pays for damage to your Charger resulting from a collision with a stationary object or other vehicle. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for things such as colliding with another moving vehicle, damaging your car on a curb, hitting a mailbox and rolling your car. Collision is rather expensive coverage, so consider removing coverage from vehicles that are older. You can also choose a higher deductible in order to get cheaper collision rates.

Protection from uninsured/underinsured drivers

This coverage gives you protection when other motorists do not carry enough liability coverage. Covered losses include injuries to you and your family and damage to your Dodge Charger.

Since many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. So UM/UIM coverage should not be overlooked.

Liability car insurance

Liability coverage provides protection from damages or injuries you inflict on other’s property or people. This coverage protects you against claims from other people. Liability doesn’t cover your injuries or vehicle damage.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. Your policy might show limits of 25/50/25 which means a $25,000 limit per person for injuries, $50,000 for the entire accident, and a total limit of $25,000 for damage to vehicles and property.

Liability insurance covers things such as emergency aid, structural damage, attorney fees, funeral expenses and repair bills for other people’s vehicles. How much coverage you buy is your choice, but consider buying as large an amount as possible.

Medical expense insurance

Coverage for medical payments and/or PIP pay for immediate expenses for ambulance fees, EMT expenses, pain medications and hospital visits. They can be utilized in addition to your health insurance program or if you lack health insurance entirely. They cover all vehicle occupants in addition to 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