Save on 2017 Dodge Charger Insurance Cost

Looking for cheaper insurance coverage rates for your Dodge Charger? I can’t think of anyone who looks forward to paying premiums for insurance coverage, especially when they know the cost is way too high.

Due to the increasing number of insurance providers from which to choose, it can be hard to find a more affordable insurer.

You need to do rate comparisons every six months since insurance prices change frequently. Even if you think you had the best quotes on Charger coverage six months ago you will most likely find a better rate today. Forget all the misinformation about insurance coverage because you’re going to learn the best way to remove unneeded coverages and save money.

The best way to compare insurance rates from multiple companies utilizes the fact most of the larger companies allow for online access to provide you with a free rate quote. The only thing you need to do is provide the companies a bit of rating information like how old drivers are, if the car is leased, how you use your vehicles, and the type of vehicles you drive. Your rating data is automatically sent to insurance carriers in your area and they provide comparison quotes within a short period of time.

Dodge Charger insurance premiums can be lower

Consumers need to have an understanding of the different types of things that help calculate the rates you pay for car insurance. When you know what positively or negatively determines premiums, this helps enable you to make changes that could help you find lower rates.

  • More traffic means higher claims – Having an address in small towns and rural areas can save you money when shopping for auto insurance. People in densly populated areas have to deal with more traffic problems and longer commutes to work. Fewer drivers means less chance of accidents in addition to lower liability claims
  • Marriage is a good thing – Walking down the aisle may save some money compared to being single. Having a spouse demonstrates that you tend to be more mature and responsible and insurance companies reward insureds because married drivers get in fewer accidents.
  • Occupation reflects on prices – Did you know your career choice can influence rates? Occupational choices like real estate brokers, business owners and medical professionals generally have the highest average rates in part from intense work requirements and long work hours. On the other hand, careers like scientists, engineers and homemakers have the lowest average rates on Charger coverage.
  • Drive lots and pay more – The higher the miles on your Dodge every year the higher the price you pay to insure it. Most insurance companies apply a rate based upon how the vehicle is primarily used. Autos that sit idle most of the time can get a lower rate than those used for commuting. An improperly rated Charger may be wasting your money. Make sure your policy correctly shows the correct driver usage.

Discount insurance insurance rates

Companies don’t always list their entire list of discounts very well, so the following list contains some of the best known as well as the least known discounts that you can inquire about if you buy insurance online.

  • Save over 55 – Seniors can possibly qualify for lower premium rates on Charger coverage.
  • Theft Deterent – Cars, trucks, and SUVs optioned with advanced anti-theft systems prevent vehicle theft and will save you 10% or more.
  • Membership in Organizations – Having an affiliation with certain professional organizations may earn a discount when shopping for insurance.
  • Own a Home and Save – Just being a homeowner may trigger a policy discount on insurance because of the fact that having a home requires a higher level of personal finance.
  • Discounts for Federal Employees – Being employed by or retired from a federal job can save as much as 8% on Charger coverage depending on your company.

Policy discounts save money, but most discount credits are not given to the entire policy premium. A few only apply to the price of certain insurance coverages like liability and collision coverage. Even though it may seem like all the discounts add up to a free policy, it doesn’t quite work that way. But any discount will bring down your policy premiums.

Popular insurance companies and some of the discounts are included below.

  • Progressive includes discounts for homeowner, multi-vehicle, continuous coverage, good student, multi-policy, and online quote discount.
  • Farmers Insurance discounts include multi-car, homeowner, switch companies, good student, bundle discounts, youthful driver, and pay in full.
  • Farm Bureau has savings for multi-policy, renewal discount, 55 and retired, youthful driver, and good student.
  • State Farm offers discounts including good driver, student away at school, safe vehicle, Drive Safe & Save, driver’s education, and defensive driving training.
  • Geico offers discounts for membership and employees, air bags, anti-lock brakes, anti-theft, and five-year accident-free.
  • SAFECO has discounts for bundle discounts, accident prevention training, multi-car, anti-lock brakes, homeowner, and teen safety rewards.
  • Liberty Mutual offers premium reductions for new move discount, multi-policy, multi-car, new graduate, preferred payment discount, new vehicle discount, and exclusive group savings.

When getting free insurance quotes, it’s a good idea to all the companies how you can save money. Some credits may not apply to policyholders in your area.

Tailor your insurance coverage to you

When buying the right insurance coverage for your personal vehicles, there isn’t really a “best” method to buy coverage. Coverage needs to be tailored to your specific needs and a cookie cutter policy won’t apply. For example, these questions can aid in determining whether your personal situation might need professional guidance.

  • Does my insurance cover damage caused when ticketed for reckless driving?
  • Should I put collision coverage on all my vehicles?
  • Does medical payments coverage apply to all occupants?
  • Is a fancy paint job covered?
  • Do I need an umbrella policy?
  • How can I force my company to pay a claim?
  • Who is covered by my policy?
  • When can I cancel my policy?
  • Am I missing any policy discounts?
  • What vehicles should carry emergency assistance coverage?

If it’s difficult to answer those questions but you know they apply to you, then you may want to think about talking to an agent. To find an agent in your area, fill out this quick form or click here for a list of insurance companies in your area.

Car insurance coverages for a Dodge Charger

Having a good grasp of your insurance policy can be of help when determining which coverages you need at the best deductibles and correct limits. The terms used in a policy can be difficult to understand and reading a policy is terribly boring. Shown next are typical coverages available from insurance companies.

Comprehensive protection – Comprehensive insurance coverage pays to fix your vehicle from damage from a wide range of events other than collision. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against claims such as a tree branch falling on your vehicle, hitting a bird and fire damage. The maximum payout a insurance company will pay at claim time is the cash value of the vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Collision coverages – Collision insurance will pay to fix damage to your Charger resulting from colliding with another vehicle or an object, but not an animal. You have to pay a deductible and then insurance will cover the remainder.

Collision insurance covers things such as hitting a parking meter, colliding with another moving vehicle and colliding with a tree. This coverage can be expensive, so consider removing coverage from vehicles that are 8 years or older. It’s also possible to bump up the deductible to save money on collision insurance.

Auto liability insurance – Liability coverage provides protection from damage that occurs to people or other property that is your fault. This insurance protects YOU against other people’s claims. Liability doesn’t cover your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see liability limits of 25/50/25 which means a limit of $25,000 per injured person, a per accident bodily injury limit of $50,000, and $25,000 of coverage for damaged propery.

Liability insurance covers claims such as loss of income, repair bills for other people’s vehicles, court costs, bail bonds and repair costs for stationary objects. How much liability should you purchase? That is your choice, but consider buying as high a limit as you can afford.

Uninsured or underinsured coverage – Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when other motorists do not carry enough liability coverage. This coverage pays for hospital bills for your injuries and also any damage incurred to your Dodge Charger.

Since many drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage is important protection for you and your family.

Medical expense coverage – Med pay and PIP coverage kick in for expenses such as dental work, prosthetic devices, nursing services, chiropractic care and pain medications. They can be used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. Coverage applies to all vehicle occupants in addition to getting struck while a pedestrian. Personal Injury Protection is not available in all states and may carry a deductible

Shop Smart and Save

Lower-priced insurance coverage can be purchased online as well as from independent agentsinsurance , so you should compare both in order to have the best chance of saving money. Some companies may not offer the ability to get a quote online and most of the time these small, regional companies provide coverage only through independent insurance agencies.

When trying to cut insurance costs, you should never buy poor coverage just to save money. In many instances, drivers have reduced collision coverage only to find out that it was a big mistake. Your goal is to purchase plenty of coverage at a price you can afford, not the least amount of coverage.

In this article, we covered a lot of ways to save on 2017 Dodge Charger insurance. The most important thing to understand is the more quotes you get, the more likely it is that you will get a better rate. You may even discover the lowest priced insurance coverage comes from a small mutual company. They may have significantly lower premium rates on certain market segments than the large multi-state companies such as Allstate or State Farm.

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