Cheap 2014 Dodge Charger Insurance Cost

Wish you could get a refund on an expensive insurance policy? Trust us when we tell you you are not the only one feeling buyer’s remorse. Due to the fact that there are so many online and local companies to choose from, it’s difficult to choose the best insurance company.

You should take the time to quote other rates at least once a year since prices change quite often. Just because you found the best rates for Charger coverage two years ago a different company probably has better rate quotes today. Forget all the misinformation about insurance because you’re going to learn the things you must know in order to find better rates and still maintain coverage.

Finding the best rates is easy if you know what you’re doing. If you are insured now or are looking for a new policy, you will benefit by learning to cut your premiums and still get good coverage. Drivers just need to understand the tricks to find the lowest price online.

Discounts for cheaper insurance coverage rates

Some providers don’t list every possible discount in a way that’s easy to find, so we break down a few of the more common and also the lesser-known credits available to lower your premiums when you buy auto insurance online. If you do not check that you are getting every discount possible, you may be paying too high a price.

  • Discounts for Federal Employees – Having worked for a branch of the government can save as much as 8% for Charger coverage depending on your company.
  • Driver Education Discount – Have your child enroll in driver’s education in school or through a local driver safety program.
  • Responsible Driver Discounts – Drivers without accidents can save up to 40% or more on their auto insurance quote for Charger coverage than drivers with accidents.
  • Multi-policy Discount – If you insure your home and vehicles with the same insurance company you could earn a discount of 10% to 20% off each policy.
  • Seat Belt Usage – Buckling up and requiring all passengers to wear their seat belts can save up to 15% off the personal injury premium cost.
  • Drive Less and Save – Low annual miles could qualify for lower rates on the low mileage vehicles.
  • Good Grades Discount – A discount for being a good student may save you up to 25%. You can use this discount normally until age 25.
  • Accident Free – Drivers who stay claim-free pay much less when compared with policyholders that have many claims.
  • Club Memberships – Joining a professional or civic organization is a good way to get lower rates when shopping for insurance coverage.

While discounts sound great, it’s important to understand that many deductions do not apply the the whole policy. Some only reduce the cost of specific coverages such as liability, collision or medical payments. Even though the math looks like you can get free auto insurance, companies wouldn’t make money that way.

The best insurance coverage companies and some of the discounts are outlined below.

  • Geico discounts include five-year accident-free, anti-lock brakes, defensive driver, seat belt use, and daytime running lights.
  • SAFECO may include discounts for multi-car, teen safe driver, homeowner, drive less, and anti-theft.
  • State Farm offers discounts for defensive driving training, accident-free, passive restraint, student away at school, and safe vehicle.
  • MetLife has discounts for claim-free, defensive driver, good driver, multi-policy, good student, accident-free
  • 21st Century includes discounts for homeowners, early bird, defensive driver, automatic seat belts, good student, and teen driver.
  • Progressive may offer discounts for good student, multi-policy, online signing, continuous coverage, and online quote discount.

When getting free auto insurance quotes, it’s a good idea to each company or agent to apply every possible discount. Some discounts listed above may not apply to policyholders in your state. To see companies that can offer you the previously mentioned discounts, click here to view.

Cheap car insurance

Finding cheap car insurance prices is a fairly straight forward process. You just have to take the time to compare free auto insurance quotes to see which company has inexpensive auto insurance quotes. Shoppers can get rates using a couple different methods.

  1. The most efficient way to find low rates would be an industry-wide quote request form (click to open form in new window). This method saves time by eliminating separate forms for each company you want a rate for. A single form gets you coverage quotes from all major companies.
  2. A more difficult way to find more affordable insurance consists of visiting each company’s website and complete a new quote form. For instance, we’ll assume you want to see prices from Allstate, State Farm and Geico. To find out each rate you need to take the time to go to each site and repeatedly type in your coverage information, which can take a lot of time.

    For a list of companies in your area, click here.

It’s up to you which method you use, but compare exactly the same coverage data with every price quote. If you enter different limits and deductibles on each one you will not be able to determine the best price for your Dodge Charger.

Tailor your insurance coverage to you

When it comes to buying coverage for your vehicles, there really is no “best” method to buy coverage. Everyone’s situation is a little different and a cookie cutter policy won’t apply. These are some specific questions might point out if your insurance needs would benefit from an agent’s advice.

  • Should I sign the liability waiver when renting a car?
  • Does coverage extend to my business vehicle?
  • Is other people’s property covered if stolen from my vehicle?
  • Do I have newly-aquired coverage?
  • When would I need rental car insurance?
  • Is my Dodge Charger covered if I use it for business?

If you’re not sure about those questions but you think they might apply to your situation, then you may want to think about talking to an agent. If you want to speak to an agent in your area, fill out this quick form or click here for a list of insurance companies in your area. It’s fast, free and may give you better protection.

Coverages available on your policy

Having a good grasp of your policy aids in choosing the best coverages for your vehicles. Car insurance terms can be ambiguous and even agents have difficulty translating policy wording. Shown next are the usual coverages available from car insurance companies.

Coverage for liability – This can cover damages or injuries you inflict on other’s property or people. This insurance protects YOU against claims from other people, and does not provide coverage for your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see limits of 100/300/100 that means you have a limit of $100,000 per injured person, a limit of $300,000 in injury protection per accident, and a total limit of $100,000 for damage to vehicles and property.

Liability coverage pays for things such as medical expenses, loss of income, attorney fees, court costs and legal defense fees. The amount of liability coverage you purchase is your choice, but consider buying as much as you can afford.

Medical expense coverage – Personal Injury Protection (PIP) and medical payments coverage pay for short-term medical expenses such as prosthetic devices, nursing services and hospital visits. They can be used in conjunction with a health insurance program or if you are not covered by health insurance. Medical payments and PIP cover not only the driver but also the vehicle occupants in addition to getting struck while a pedestrian. PIP is not an option in every state and may carry a deductible

Uninsured or underinsured coverage – This coverage protects you and your vehicle’s occupants from other motorists when they either have no liability insurance or not enough. Covered losses include medical payments for you and your occupants as well as your vehicle’s damage.

Since many drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is very important.

Comprehensive protection – Comprehensive insurance coverage covers damage OTHER than collision with another vehicle or object. 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 getting keyed, fire damage, a broken windshield and a tree branch falling on your vehicle. The maximum payout your car insurance company will pay is the actual cash value, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Collision – Collision coverage pays to fix your vehicle from damage caused by collision with an object or car. You first must pay a deductible then your collision coverage will kick in.

Collision insurance covers claims like sideswiping another vehicle, crashing into a ditch, crashing into a building, sustaining damage from a pot hole and driving through your garage door. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are older. Drivers also have the option to bump up the deductible to save money on collision insurance.

Saving money makes a lot of cents

In this article, we covered many ideas to compare 2014 Dodge Charger insurance premium rates online. It’s most important to understand that the more companies you get prices for, the higher your chance of finding cheaper auto insurance. You may even discover the best premium rates are with a small local company. They may cover specific market segments cheaper as compared to the big name companies such as Allstate, Geico and Progressive.

When you buy auto insurance online, make sure you don’t skimp on critical coverages to save a buck or two. There are many occasions where an insured cut uninsured motorist or liability limits only to find out that the small savings ended up costing them much more. Your goal is to buy a smart amount of coverage at the lowest possible cost, but do not skimp to save money.

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