2013 Dodge Charger Car Insurance Rates – 8 Ideas for Cheaper Quotes

Having to pay for overpriced insurance can draw down your checking account and require stricter spending habits. Comparing cost estimates is a fast and free way to cut your insurance bill.

Multiple auto insurance companies compete for your insurance dollar, so it’s not easy to compare every provider to discover the definitive best price available.

You should take the time to compare prices on a regular basis because insurance prices change frequently. If you had the lowest price on Charger insurance two years ago there is a good chance you can find better rate quotes now. There are lots of tips to save on insurance online, but by reading this article, you’re going to learn some tested techniques to lower your insurance premiums.

The fastest way that we advise to get rate comparisons is to understand most of the larger companies have advanced systems to quote your coverage. The one thing you need to do is give the companies some data such as if a SR-22 is needed, if you are currently licensed, if it has an alarm system, and level of coverage desired. Your rating data is instantly submitted to multiple insurance providers and you will get price comparisons instantly.

Eight discounts for lower-cost auto insurance rates

Car insurance can cost a lot, but there could be significant discounts that can dramatically reduce your bill. A few discounts will automatically apply at the time of quoting, but less common discounts must be manually applied before you get the savings.

  • Anti-theft Discount – Cars, trucks, and SUVs with anti-theft systems can help prevent theft and will qualify for a discount on a car insurance quote.
  • Own a Home and Save – Being a homeowner can help you save on auto insurance since home ownership shows financial diligence.
  • Good Student – Maintaining excellent grades can earn a discount of 20% or more. The good student discount can last until age 25.
  • Responsible Drivers – Insureds who avoid accidents can save up to 40% or more on their car insurance quote on Charger insurance than their less cautious counterparts.
  • Multiple Policy Discount – If you can combine your auto and home policy with the same company you could earn a discount of 10% to 20% off each policy.
  • Discount for Low Mileage – Driving less could be rewarded with substantially lower rates.
  • Early Switch Discount – Some auto insurance companies provide a discount for switching companies prior to your current policy expiration. This discount can save up to 10%.
  • Distant College Student Discount – College-age children who are enrolled in higher education away from home and don’t have a car could qualify for this discount.

Keep in mind that some credits don’t apply to your bottom line cost. Most only reduce the cost of specific coverages such as comprehensive or collision. Even though the math looks like you would end up receiving a 100% discount, auto insurance companies aren’t that generous.

A few companies that may offer most of the discounts above include:

Double check with each insurance company how you can save money. Some discounts listed above may not apply everywhere. To choose companies who offer discounts, follow this link.

Tailor your auto insurance coverage to you

When it comes to choosing adequate coverage, there really is not a single plan that fits everyone. Your needs are not the same as everyone else’s and a cookie cutter policy won’t apply. Here are some questions about coverages that may help highlight if you might need an agent’s assistance.

  • When should my teen driver be added to my policy?
  • Does my liability insurance cover pulling a trailer or camper?
  • Am I covered if I hit a deer?
  • Can my teen drive my company car?
  • Can I afford to pay high deductible claims out of pocket?
  • Am I covered if I crash into my own garage door?
  • Does my policy pay for OEM or aftermarket parts?

If you’re not sure about those questions, you might consider talking to an insurance agent. If you don’t have a local agent, take a second and complete this form or go to this page to view a list of companies. It is quick, free and can provide invaluable advice.

Insurance coverage in the media

Consumers can’t escape the ads that claim the cheapest rates by companies like Allstate and Progressive. All the ads make the same claim about saving some big amount just by switching your coverage.

How is it possible that every company can say the same thing? It’s all in the wording.

Companies have underwriting criteria for the type of driver that earns them a profit. For example, this type of insured could be a female over age 40, has no tickets, and has a short commute. Someone that hits that “sweet spot” may get the lowest rates and most likely will save a lot of money.

People who are not a match for these standards will get higher rates which leads to the driver buying from a lower-cost company. The ads say “drivers who switch” not “everybody who quotes” save that much. That’s the way companies can advertise the savings.

Because every company is different, you really need to do a price quote comparison at every renewal. It’s not possible to predict with any certainty which company will give you the biggest savings.

Specific coverage details

Learning about specific coverages of your car insurance policy aids in choosing the right coverages and the correct deductibles and limits. Policy terminology can be difficult to understand and coverage can change by endorsement. Shown next are typical coverage types available from car insurance companies.

Collision insurance

Collision insurance covers damage to your Charger resulting from a collision with another vehicle or an object, but not an animal. You first must pay a deductible and then insurance will cover the remainder.

Collision insurance covers things like driving through your garage door, colliding with a tree, crashing into a ditch and hitting a mailbox. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are older. Another option is to bump up the deductible to bring the cost down.

Liability coverages

This coverage provides protection from injuries or damage you cause to a person or their property. This insurance protects YOU against other people’s claims, and does not provide coverage for damage sustained by your vehicle in an accident.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see limits of 50/100/50 that means you have 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. Occasionally you may see one limit called combined single limit (CSL) which provides one coverage limit and claims can be made without the split limit restrictions.

Liability coverage pays for claims like bail bonds, court costs, loss of income and pain and suffering. The amount of liability coverage you purchase is a personal decision, but buy as high a limit as you can afford.

Coverage for medical payments

Coverage for medical payments and/or PIP kick in for bills like surgery, doctor visits and ambulance fees. The coverages can be used in conjunction with a health insurance policy or if you do not have health coverage. Coverage applies to you and your occupants and also covers getting struck while a pedestrian. Personal Injury Protection is not available in all states and may carry a deductible

Comprehensive coverages

This coverage will pay to fix damage from a wide range of events other than collision. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive coverage pays for things such as damage from flooding, fire damage and damage from getting keyed. The most a car insurance company will pay at claim time is the market value of your vehicle, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Uninsured and underinsured coverage

Uninsured or Underinsured Motorist coverage gives you protection from other drivers when they are uninsured or don’t have enough coverage. Covered claims include hospital bills for your injuries as well as your vehicle’s damage.

Due to the fact that many drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is very important. Usually these limits do not exceed the liability coverage limits.

More effort can pay off

Throughout this article, we presented a lot of information how to lower your 2013 Dodge Charger insurance rates. The most important thing to understand is the more quotes you get, the better likelihood of getting the cheapest car insurance. You may even find the biggest savings come from a small mutual company. These companies may have significantly lower car insurance rates on certain market segments as compared to the big name companies such as Geico and State Farm.

As you restructure your insurance plan, don’t be tempted to skimp on coverage in order to save money. There have been many cases where an insured cut liability coverage limits and discovered at claim time that a couple dollars of savings turned into a financial nightmare. Your goal is to purchase a proper amount of coverage at the best cost.

Lower-priced 2013 Dodge Charger insurance is available both online and from local insurance agents, and you should compare rates from both to have the best rate selection. Some insurance providers may not have online rate quotes and most of the time these regional carriers only sell through independent insurance agencies.

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