Lower Your 2012 Dodge Charger Insurance Quotes

Trying to find cheaper insurance rates for your Dodge Charger? There isn’t a single person who gets a kick out of paying for insurance, especially knowing they could find better rates elsewhere.

Many insurers vie for your hard-earned dollar, and because of this it can be hard to compare auto insurance companies and uncover the absolute lowest rate possible.

If you currently have car insurance, you will be able to reduce your rates substantially using this information. Choosing the best insurance company for you is not that difficult. But vehicle owners do need to learn how big insurance companies sell online and use this information to your advantage.

Compare insurance rate quotes online

There are a lot of ways you can shop for insurance but one way is less labor-intensive and much quicker. You could spend your day talking to agents in your area, or you could save time and use online quoting to get prices fast.

Most of the best insurance companies participate in an industry program that enables customers to only type in their quote data once, and at least one company then returns a price quote based on that data. This prevents consumers from doing quote forms to every company.

To find out how much you’re overpaying now click here to open in new window.

The one disadvantage to getting quotes like this is you can’t choose which insurance companies you will receive quotes from. If you wish to select from a list of companies to request quotes from, we put together a list of low cost insurance companies in your area. View list of insurance companies.

It’s your choice how you get your quotes, but do your best to use exactly the same coverage data on every price quote you get. If you are comparing different data you will not be able to find the best deal for your Dodge Charger. Even a minor difference in limits can result in a big premium difference. Just remember that getting more free quotes helps you find more affordable rates. Some companies don’t provide prices over the internet, so it’s important to compare prices from them, too.

These discounts can lower your insurance quotes

Insurance can cost an arm and a leg, but companies offer discounts that many consumers don’t even know exist. Some discounts apply automatically at the time you complete a quote, but a few must be inquired about before you will receive the discount.

  • Club Memberships – Participating in qualifying clubs or civic groups is a good way to get lower rates on your next insurance statement.
  • Driver Safety – Taking time to complete a course teaching defensive driving skills could earn you a small percentage discount if your company offers it.
  • Federal Government Employee – Active or retired federal employment could qualify for a slight premium decrease on Charger insurance depending on your insurance provider.
  • Accident Free – Insureds with no claims or accidents pay much less as compared to drivers who are more careless.
  • Seat Belts Save – Buckling up and requiring all passengers to buckle up before driving can save a little on the premium charged for medical payments and/or PIP.
  • Driver’s Education for Students – Make teen driver coverage more affordable by requiring them to complete a driver education course in high school.

Don’t be shocked that most credits do not apply to the entire cost. The majority will only reduce specific coverage prices like physical damage coverage or medical payments. So when the math indicates you would end up receiving a 100% discount, companies wouldn’t make money that way.

A list of companies and some of the premium reductions they offer can be found below.

  • Geico may include discounts for seat belt use, defensive driver, military active duty, membership and employees, emergency military deployment, and multi-vehicle.
  • Mercury Insurance includes discounts for type of vehicle, accident-free, age of vehicle, annual mileage, low natural disaster claims, and multi-car.
  • Farmers Insurance may have discounts that include pay in full, switch companies, homeowner, electronic funds transfer, good student, bundle discounts, and business and professional.
  • Auto-Owners Insurance may offer discounts for anti-theft, good student, air bags, company car, mature driver, multiple vehicles, and paid in full.
  • Liberty Mutual offers discounts including hybrid vehicle, safety features, multi-car, exclusive group savings, and preferred payment discount.
  • SAFECO has savings for anti-theft, bundle discounts, accident prevention training, anti-lock brakes, multi-car, and drive less.
  • Progressive policyholders can earn discounts including online signing, continuous coverage, multi-vehicle, multi-policy, good student, online quote discount, and homeowner.
  • USAA offers discounts for annual mileage, family discount, multi-policy, good student, military installation, driver training, and vehicle storage.

It’s a good idea to ask each company which discounts can lower your rates. Some of the discounts discussed earlier might not be offered on policies in your area. To choose insurance companies that can offer you the previously mentioned discounts, click here.

Different people need different auto insurance coverages

When it comes to choosing proper insurance coverage, there is no single plan that fits everyone. Everyone’s needs are different so your insurance should reflect that For instance, these questions can help discover if your situation may require specific advice.

  • Should I put collision coverage on all my vehicles?
  • How much underlying liability do I need for an umbrella policy?
  • What companies insure drivers after a DUI or DWI?
  • Am I covered when driving on a suspended license?
  • Am I covered when driving a rental car?
  • What if I total my 2012 Dodge Charger and owe more than it’s worth?
  • Does my insurance cover my expensive audio equipment?
  • Can I afford to buy a different vehicle if my 2012 Dodge Charger is totaled?
  • What are the best liability limits?

If you can’t answer these questions but you know they apply to you, you might consider talking 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

Cut insurance costs with these tips

Part of the auto insurance buying process is learning some of the things that aid in calculating auto insurance rates. If you know what controls the rates you pay, this allows you to make good choices that may result in much lower annual insurance costs.

  • Reduce prices by driving safer vehicles – Vehicles with good safety scores can get you lower premiums. Safer cars result in less severe injuries and any reduction in injury severity means lower claim amounts and lower rates for you. If the Dodge Charger is rated at least an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website you may qualify for a discount.
  • How your age affects costs – Mature drivers are more responsible, tend to cause fewer accidents , and usually have better credit.Youthful drivers are statistically shown to be more careless when driving and because of this, their auto insurance rates are much higher.
  • Policy add-ons may be wasting money – There are many optional add-on coverages that you can get tricked into buying when buying auto insurance. Add-on coverages like vanishing deductibles, accidental death, and motor club memberships are probably not needed. They may seem good initially, but if you have no use for them think about removing them and cutting costs.
  • Car insurance liability protection limits – Liability insurance kicks in if a court rules you are at fault for personal injury or accident damage. Liability insurance provides legal defense coverage which can be incredibly expensive. Liability is cheap compared to other policy coverages, so buy as much as you can afford.
  • Never have policy lapses – Not having insurance is against the law and any future policy may cost more because you let your coverage cancel without a new policy in place. Not only will rates go up, the inability to provide proof of insurance could earn you fines and jail time.
  • Cheaper rates after marriage – Having a significant other can actually save you money when shopping for auto insurance. Having a significant other is viewed as being less irresponsible and it’s statistically proven that being married results in fewer claims.

The coverage is in the details

Knowing the specifics of your insurance policy can be of help when determining which coverages you need and the correct deductibles and limits. Insurance terms can be confusing and coverage can change by endorsement. These are the usual coverages found on the average insurance policy.

Collision coverages – This pays to fix your vehicle from damage caused by collision with another car or object. You will need to pay your deductible and then insurance will cover the remainder.

Collision coverage pays for things such as sustaining damage from a pot hole, crashing into a ditch and colliding with a tree. Collision is rather expensive coverage, so you might think about dropping it from older vehicles. Drivers also have the option to raise the deductible to bring the cost down.

Insurance for medical payments – Personal Injury Protection (PIP) and medical payments coverage reimburse you for short-term medical expenses like dental work, hospital visits, rehabilitation expenses, nursing services and ambulance fees. They are often used to fill the gap from your health insurance program or if you lack health insurance entirely. Medical payments and PIP cover not only the driver but also the vehicle occupants as well as 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

Liability car insurance – This can cover injuries or damage you cause to other’s property or people by causing an accident. This insurance protects YOU from legal claims by others, and doesn’t cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see liability limits of 100/300/100 which stand for $100,000 bodily injury coverage, $300,000 for the entire accident, and property damage coverage for $100,000.

Liability coverage pays for claims like attorney fees, medical services and repair bills for other people’s vehicles. How much liability should you purchase? That is your choice, but consider buying higher limits if possible.

Comprehensive coverage (or Other than Collision) – This coverage pays for damage OTHER than collision with another vehicle or object. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive can pay for things such as damage from getting keyed, damage from flooding, hitting a deer, damage from a tornado or hurricane and rock chips in glass. The highest amount your insurance company will pay is the market value of your vehicle, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Uninsured Motorist or Underinsured Motorist insurance – Uninsured or Underinsured Motorist coverage gives you protection from other drivers when they do not carry enough liability coverage. This coverage pays for injuries sustained by your vehicle’s occupants and also any damage incurred to your Dodge Charger.

Due to the fact that many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is a good idea.

Be a smart shopper

When searching for affordable car insurance quotes, you should never skimp on coverage in order to save money. In too many instances, someone sacrificed liability limits or collision coverage and discovered at claim time that it was a big mistake. Your goal is to get the best coverage possible for the lowest price, but do not sacrifice coverage to save money.

You just learned a lot of tips how to get a better price on 2012 Dodge Charger insurance. The most important thing to understand is the more quotes you get, the higher the chance of saving money. You may even discover the lowest priced car insurance comes from the smaller companies. They may only write in your state and offer lower auto insurance rates than their larger competitors like Allstate or State Farm.

Some insurance providers may not offer the ability to get a quote online and many times these smaller providers only sell coverage through independent insurance agencies. Low-cost 2012 Dodge Charger insurance is definitely available on the web and with local insurance agents, and you should compare price quotes from both in order to have the best chance of saving money.

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