Best Methods to Lowering Your Dodge Charger Insurance Rates

Consumers have options when looking for the lowest priced Dodge Charger insurance. You can either spend your time driving around trying to get quotes or leverage the internet to find the lowest rates.

There is a right way and a wrong way to find car insurance online so you’re going to learn the absolute fastest way to get price quotes for your Dodge and get the lowest possible price.

It’s a good habit to compare prices yearly since rates trend upward over time. If you had the best rates on Charger insurance a year ago a different company probably has better rates today. Ignore everything you know about car insurance because I’m going to let you in on the secrets to one of the easiest ways to find great coverage at a great price.

Free Car Insurance Quotes

Most companies like Progressive, GEICO, Allstate and State Farm quote insurance quotes online. This process is pretty easy as you simply enter the coverages you want as detailed in the form. When complete, their system requests your driving and credit reports and returns a price quote based on many factors.

This streamlines rate comparisons, but the work required to visit several different sites and type in the same information can be a bit tiresome and repetitive. But it’s very important to perform this step if you are searching for better car insurance pricing.

An easier way to find cheaper rates uses one form to get prices from a lot of companies. This type of form saves time, helps eliminate reptitive entry, and makes comparison shopping much more efficient. Immediately after submitting the form, it gets priced with multiple companies and you can pick your choice of the pricing results.

If the quotes result in lower rates, you can simply submit the application and purchase coverage. The entire process takes 15 minutes at the most and may result in a nice savings.

To save time and find out how much you can save on car insurance, simply click here to open in new window and complete the simple form. If you have coverage now, it’s recommended you replicate the coverages as close as possible to your current policy. This guarantees you will get a fair comparison for the exact same coverage.

Don’t pay full price with these discounts

Car insurance is not cheap, but discounts can save money and there are some available to help offset the cost. Some discounts apply automatically when you quote, but some must be inquired about in order for you to get them. If they aren’t giving you every credit possible, you are paying more than you should be.

  • Theft Prevention Discount – Cars that have factory anti-theft systems prevent vehicle theft and earn discounts up to 10%.
  • Employee of Federal Government – Active or retired federal employment can earn a discount up to 10% on Charger insurance with certain companies.
  • Multi-car Discount – Buying coverage for more than one vehicle on the same car insurance policy qualifies for this discount.
  • Fewer Miles Equal More Savings – Fewer annual miles on your Dodge could be rewarded with discounted rates on garaged vehicles.
  • Discount for Swiching Early – A few companies offer discounts for switching policies prior to your current policy expiration. The savings is around 10%.
  • Driver Safety – Taking a defensive driving course could possibly earn you a 5% discount if your company offers it.
  • Drivers Education – Have your child enroll in driver’s education if it’s offered in school.
  • Discount for Life Insurance – Companies who offer life insurance give a discount if you purchase auto and life insurance together.
  • Clubs and Organizations – Affiliation with a civic or occupational organization may earn a discount on your policy on Charger insurance.

It’s important to understand that some credits don’t apply to all coverage premiums. Most only apply to the cost of specific coverages such as medical payments or collision. So when it seems like all those discounts means the company will pay you, it doesn’t quite work that way. Any amount of discount will bring down the cost of coverage.

Your personal situation dictates your coverage

When it comes to buying the best car insurance coverage for your vehicles, there is no cookie cutter policy. Every situation is different.

These are some specific questions might help in determining if you could use an agent’s help.

  • Should I buy only the required minimum liability coverage?
  • Does my insurance cover my expensive audio equipment?
  • Do I qualify for additional discounts?
  • Should I file a claim if it’s only slightly more than my deductible?
  • Do I need special endorsements for business use of my vehicle?
  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • Do no-fault laws apply in my state?
  • Why does it cost so much to insure a teen driver?
  • Do I need higher deductibles?

If it’s difficult to answer those questions, then you may want to think about talking to a licensed insurance agent. If you want to speak to an agent in your area, simply complete this short form. It is quick, free and may give you better protection.

Why you might be paying too much to insure your Dodge Charger

Consumers need to have an understanding of the different types of things that go into determining car insurance rates. When you know what positively or negatively controls the rates you pay enables informed choices that may reward you with better car insurance rates.

Listed below are some of the items car insurance companies consider when setting rates.

  • Careful drivers pay lower rates – Only having one ticket can boost insurance rates forty percent or more. Careful drivers have lower premiums than bad drivers. Drivers with serious tickets such as reckless driving, hit and run or driving under the influence are required to file a SR-22 with the DMV in their state in order to continue driving.
  • Liability coverage protects you – Liability coverage is the protection in the event that a jury decides you are liable for causing damage or personal injury in an accident. It will provide legal defense up to the limits shown on your policy. Liability is cheap when compared with rates for comp and collision, so do not cut corners here.
  • Are you male or female? – The statistics show that women are safer drivers than men. That doesn’t necessarily mean that men are worse drivers. They both tend to get into accidents in similar percentages, but men cause more damage. Men also receive more costly citations such as reckless driving. Young males are most likely to cause an accident and therefore have the most expensive car insurance rates.
  • More claims means more premium – If you tend to file frequent claims, you can pretty much guarantee either a policy non-renewal or much higher rates. Auto insurance companies provide lower rates to policyholders who do not file claims often. Auto insurance is meant to be used in the event of the large, substantial claims.

Do drivers who switch really save $464 a year?

Consumers can’t ignore all the ads that promise big savings from the likes of Progressive, GEICO, Allstate and State Farm. They all seem to say the same thing about savings if you change your coverage to them.

How does each company claim to save you money? It’s all in the numbers.

All companies have a certain “appetite” for the type of customer that earns them a profit. An example of a desirable insured could possibly be between 25 and 40, owns a home, and drives less than 7,500 miles a year. A customer getting a price quote that hits that “sweet spot” gets the lowest rates and therefore will pay quite a bit less when switching companies.

best Charger insurance

Potential customers who don’t measure up to this ideal profile will have to pay higher premiums and ends up with business not being written. The ads say “customers who switch” not “everyone that quotes” save that much. This is how companies can make the claims of big savings.

Because of the profiling, you absolutely need to compare many company’s rates. It’s impossible to know which insurance companies will have the lowest rates.

Quote often and quote early

Drivers leave their current company for a variety of reasons including policy cancellation, not issuing a premium refund, delays in responding to claim requests or even policy non-renewal. Whatever your reason, finding a new company is pretty simple and you could end up saving a buck or two.

The cheapest Dodge Charger insurance can be found both online in addition to many insurance agents, so compare prices from both in order to have the best chance of saving money. Some insurance companies do not provide the ability to get a quote online and usually these small insurance companies provide coverage only through local independent agents.

In this article, we presented some good ideas how to lower your Dodge Charger insurance rates. The most important thing to understand is the more price quotes you have, the better chance you’ll have of finding lower rates. Drivers may discover the best prices are with the least-expected company.