Lower Your 2015 Dodge Charger Insurance Quotes

Looking for cheaper car insurance rates for your Dodge Charger? If you are new to online price comparisons, you can be baffled by the vast assortment of online car insurance companies and websites that all say they have the best rates.

Buying cheaper insurance is easy if you know what you’re doing. Essentially anyone who is required by state law to have insurance should be able to find better rates. But car owners do need to understand how the larger insurance companies market insurance on the web and apply this information to your search.

Discounts for cheaper car insurance rates

Companies don’t always advertise every available discount very clearly, so here is a list a few of the more common in addition to some of the lesser obvious credits that may apply to you.

  • 55 and Retired – If you’re over the age of 55, you could receive a small decrease in premiums on Charger coverage.
  • Paperless Signup – Some insurance companies will provide an incentive for buying a policy and signing up on the web.
  • Student Driver Training – Require your teen driver to sucessfully take a drivers education course as it will make them better drivers and lower rates.
  • Own a Home – Just owning your own home may trigger a policy discount on car insurance because maintaining a house is proof that your finances are in order.
  • Student in College – College-age children living away from home attending college and don’t have a car could qualify for this discount.
  • Full Payment Discount – If paying your policy premium upfront rather than paying monthly you could save 5% or more.
  • Anti-lock Brakes – Vehicles with ABS braking systems or traction control can reduce accidents and will save you 10% or more.
  • Active Service Discounts – Having a deployed family member could qualify you for better premium rates.

One thing to note about discounts is that most credits do not apply to the entire cost. Most only reduce the price of certain insurance coverages like collision or personal injury protection. Even though the math looks like you can get free auto insurance, companies wouldn’t make money that way.

For a list of insurance companies that offer the discounts shown above, click this link.

You may need specialized insurance coverage coverage

When it comes to choosing proper insurance coverage for your vehicles, there is no perfect coverage plan. Everyone’s situation is unique.

These are some specific questions can help discover whether your personal situation would benefit from professional advice.

  • Does liability extend to a camper or trailer?
  • Am I covered when renting a car or should I buy coverage from the car rental agency?
  • What can I do if my company won’t pay a claim?
  • Am I covered if I break a side mirror?
  • What if I owe more than I can insure my car for?
  • Is rental equipment covered for theft or damage?
  • Can I pay claims out-of-pocket if I buy high deductibles?

If you’re not sure about those questions, you may need to chat with an insurance agent. To find an agent in your area, take a second and complete this form.

Don’t listen to company ads

State Farm, Allstate and Geico seem to constantly run ads in print and on television. They all make the point about saving some big amount just by switching your insurance policy to them. It sounds good, but how can they all say the same thing?

Different companies quote their cheapest rates for the type of driver that will not have excessive claims. One example of a desirable risk might have to be over the age of 35, has never had a policy lapse, and drives a car with an anti-theft system. Anybody who matches that profile will get the preferred premium rates and will also save some money.

Potential insureds who may not quite match these criteria may receive a higher premium with the end result being the customer not purchasing. If you pay close attention to the ads, they say “customers that switch” not “all people who quote” can get the lowest rates when switching. That’s the way companies can truthfully make the claims of big savings.

This illustrates why you need to compare many company’s car insurance rates. It is impossible to guess which company will have the best rates.

Auto insurance coverage breakdown

Having a good grasp of a auto insurance policy helps when choosing appropriate coverage and proper limits and deductibles. The coverage terms in a policy can be difficult to understand and even agents have difficulty translating policy wording.

Liability insurance – Liability coverage can cover damage or injury you incur to other’s property or people by causing an accident. This insurance protects YOU against other people’s claims. It does not cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show liability limits of 50/100/50 that translate to a $50,000 limit per person for injuries, a limit of $100,000 in injury protection per accident, and property damage coverage for $50,000. Alternatively, you may have a combined limit which limits claims to one amount rather than limiting it on a per person basis.

Liability coverage protects against claims such as attorney fees, legal defense fees, court costs, repair bills for other people’s vehicles and loss of income. How much liability coverage do you need? That is up to you, but you should buy as much as you can afford.

Uninsured Motorist or Underinsured Motorist insurance – Your UM/UIM coverage protects you and your vehicle’s occupants from other drivers when they either have no liability insurance or not enough. This coverage pays for injuries sustained by your vehicle’s occupants and damage to your Dodge Charger.

Since a lot of drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Usually your uninsured/underinsured motorist coverages are identical to your policy’s liability coverage.

Collision coverages – This coverage pays to fix your vehicle from damage from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible then your collision coverage will kick in.

Collision can pay for things like colliding with another moving vehicle, crashing into a building, hitting a mailbox and colliding with a tree. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are older. Drivers also have the option to bump up the deductible to bring the cost down.

Comprehensive coverage (or Other than Collision) – Comprehensive insurance coverage covers damage OTHER than collision with another vehicle or object. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers claims such as hail damage, damage from getting keyed, theft, falling objects and hitting a bird. The most a auto 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 it’s not worth carrying full coverage.

Insurance for medical payments – Medical payments and Personal Injury Protection insurance provide coverage for immediate expenses for things like prosthetic devices, EMT expenses, dental work, pain medications and surgery. The coverages can be used in conjunction with a health insurance plan or if there is no health insurance coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants and will also cover being hit by a car walking across the street. PIP coverage is not universally available but it provides additional coverages not offered by medical payments coverage

Take this to the bank

Insureds who switch companies do it for many reasons like poor customer service, extreme rates for teen drivers, questionable increases in premium or lack of trust in their agent. Whatever your reason, finding a new insurance coverage company is less work than it seems.

Some insurance companies don’t offer price quotes online small, regional companies provide coverage only through independent agents. Cost effective 2015 Dodge Charger insurance can be purchased from both online companies in addition to local insurance agencies, so you need to compare both to get a complete price analysis.

In this article, we covered a lot of information how to shop for 2015 Dodge Charger insurance online. It’s most important to understand that the more companies you get premium rates for, the better likelihood of getting inexpensive auto insurance. Consumers may even find the best price on insurance coverage is with a lesser-known regional company.

Even more information is located in the articles below: