2011 Dodge Charger Car Insurance Quotes – 6 Savings Tips

No car owner enjoys paying for car insurance, particularly when their premiums are through the roof. Numerous insurers battle for your hard-earned dollar, so it’s not easy to compare every provider and get the best coverage at the best price available.

If you have insurance now or need a new policy, you can use these techniques to reduce the price you pay while maintaining coverages. Finding affordable coverage is quite easy. Drivers only need an understanding of the proper way to find the lowest price over the internet.

Compare car insurance rate quotes

Getting a cheaper price on 2011 Dodge Charger insurance is actually easier than you may think. You just have to take a few minutes comparing rates provided by online insurance companies. This can be accomplished by using one of the methods below.

  • If you are pressed for time, the simplest way to find the lowest comparison rates is a comparison rater form like this one (opens in new window). This quick form eliminates the need for separate quotes for every car insurance company. A single form gets insurance cost estimates from several companies.
  • A slightly less efficient method to find lower rates is going to each company’s website and go through the quote process again. For instance, let’s assume you want to compare prices for Auto-Owners, Allstate and American Family. You would need to spend time going to each site individually and punch in your information repeatedly, which can be really labor intensive.

    For a handy list of car insurance company links in your area, click here.

  • The least efficient and most time consuming method to find lower rates is to drive around to each insurance agency near you. The ability to quote online makes this unnecessary unless you have a need for the advice and guidance that only an agent can give. Although, it is possible price shop online but have a local agent actually write the policy.

It’s your choice how you get your quotes, but double check that you are using nearly identical deductibles and coverage limits for each quote you get. If you use different data you will not be able to determine which company has the best rates.

Auto insurance savings promises

Consumers can’t get away from ads for cheaper auto insurance from companies such as Allstate and Progressive. They all say the same thing that you can save if you switch to their company.

How is it possible that every company can have lower policy pricing? It’s all in the numbers.

All companies have specific characteristics for the type of driver that earns them the highest profit. An example of a desirable insured may be over the age of 50, has a low-risk occupation, and insures a new vehicle. Someone that meets those criteria gets the lowest premium rates and will probably save a lot of money.

Insureds who fall outside those criteria will probably have to pay a more expensive rate which usually ends up with business going elsewhere. If you listen closely, the ads state “people that switch” but not “all drivers who get quotes” save money. That’s the way companies can advertise the savings. This really illustrates why you should get a wide range of price quotes. Because you never know with any certainty which company will have the lowest premium rates for your situation.

Insurance discounts help slash rates

The price of auto insurance can be rather high, but there could be significant discounts that you may not know about. Some of these disounts will be visible at the time of purchase, but some may not be applied and must be specially asked for prior to getting the savings. If you do not check that you are getting every discount possible, you are paying more than you should be.

  • Discounts for New Vehicles – Buying a new car model can save you some money since newer models have better safety ratings.
  • Low Mileage – Driving less could earn lower premium rates on the low mileage vehicles.
  • Mature Driver Discount – Drivers that qualify as senior citizens can possibly qualify for lower premium rates for Charger insurance.
  • Passive Restraint Discount – Factory air bags and/or automatic seat belt systems may earn rate discounts of 25 to 30%.
  • Service Members Pay Less – Being on active deployment in the military could be rewarded with lower premium rates.
  • Cautious Drivers – Drivers who avoid accidents may receive a discount up to 45% for Charger insurance than drivers with accident claims.

You should keep in mind that many deductions do not apply to the overall cost of the policy. Most only apply to the price of certain insurance coverages like comprehensive or collision. So even though it sounds like you would end up receiving a 100% discount, nobody gets a free ride.

Auto insurance companies that have many of the previously listed discounts possibly include:

When quoting, ask each company which discounts can lower your rates. Some of the earlier mentioned discounts may not be offered in every state. To see a list of insurers that have a full spectrum of discounts, click here to view.

Which is the best car insurance?

When buying proper insurance coverage for your personal vehicles, there isn’t really a best way to insure your cars. Your needs are not the same as everyone else’s so your insurance needs to address that. For example, these questions may help highlight whether you may require specific advice.

  • Will my rates increase for filing one claim?
  • Should I have combined single limit or split liability limits?
  • Am I covered by my employer’s commercial auto policy when driving my personal car for business?
  • If I drive on a suspended license am I covered?
  • Should I buy full coverage?
  • Who is covered by my policy?
  • Is my state a no-fault state?

If you can’t answer these questions but you know they apply to you then you might want to talk to an agent. To find lower rates from a local agent, take a second and complete this form or click here for a list of car insurance companies in your area. It is quick, free and can provide invaluable advice.

Car insurance coverages for a 2011 Dodge Charger

Knowing the specifics of your auto insurance policy helps when choosing appropriate coverage and proper limits and deductibles. The terms used in a policy can be confusing and reading a policy is terribly boring. Below you’ll find the usual coverages found on most auto insurance policies.

Protection from uninsured/underinsured drivers

This protects you and your vehicle’s occupants when other motorists either are underinsured or have no liability coverage at all. It can pay for hospital bills for your injuries as well as your vehicle’s damage.

Since many drivers have only the minimum liability required by law, their limits can quickly be used up. So UM/UIM coverage is important protection for you and your family.

Medical expense insurance

Medical payments and Personal Injury Protection insurance pay for short-term medical expenses for things like nursing services, rehabilitation expenses, X-ray expenses, hospital visits and chiropractic care. The coverages can be used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. They cover not only the driver but also the vehicle occupants in addition to any family member struck as a pedestrian. Personal Injury Protection is not an option in every state but it provides additional coverages not offered by medical payments coverage

Comprehensive (Other than Collision)

This coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers things like fire damage, hail damage, hitting a bird and rock chips in glass. The most you can receive from a comprehensive claim is the market value of your vehicle, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Liability

This coverage will cover injuries or damage you cause to other people or property. Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see liability limits of 50/100/50 which stand for $50,000 in coverage for each person’s injuries, a limit of $100,000 in injury protection per accident, and property damage coverage for $50,000.

Liability insurance covers things like medical expenses, emergency aid, repair bills for other people’s vehicles and attorney fees. How much liability should you purchase? That is a personal decision, but you should buy as large an amount as possible.

Collision protection

Collision insurance will pay to fix damage to your Charger resulting from a collision with an object or car. A deductible applies then your collision coverage will kick in.

Collision insurance covers claims such as damaging your car on a curb, driving through your garage door, sideswiping another vehicle and backing into a parked car. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Another option is to increase the deductible to get cheaper collision coverage.

Be a Smart Shopper

Lower-priced 2011 Dodge Charger insurance can be sourced on the web in addition to local insurance agencies, so get free insurance coverage quotes from both of them to get a complete price analysis. Some insurance providers do not offer rate quotes online and usually these small, regional companies provide coverage only through independent insurance agencies.

We just presented a lot of techniques to shop for 2011 Dodge Charger insurance online. It’s most important to understand that the more rate comparisons you have, the better likelihood of getting low cost insurance coverage. You may even find the biggest savings come from a lesser-known regional company. Some small companies may have significantly lower rates on certain market segments than their larger competitors like Allstate, Geico and Progressive.

Much more information about car insurance can be read on the following sites: