2008 Dodge Charger Car Insurance Quotes – 7 Savings Tips

I can’t think of anyone who looks forward to paying for insurance coverage, especially when they are paying too much. Because you have many online and local companies to choose from, it can be challenging to pick the most affordable provider.

Smart consumers take time to get comparison quotes periodically since rates change quite often. Just because you had the lowest rates for Charger coverage a few years ago there is a good chance you can find better rates now. There is a lot of bad advice regarding insurance coverage on the web, but we’re going to give you the best ways to buy insurance coverage cheaper.

Save with discounts on Dodge Charger insurance

Companies that sell car insurance do not advertise every discount very clearly, so we took the time to find some of the best known and the more hidden ways to save on car insurance. If you’re not getting every credit available, you are paying more than you should be.

  • Service Members Pay Less – Being deployed with a military unit could be rewarded with lower premiums.
  • Homeowners Savings – Owning a house can help you save on car insurance because of the fact that having a home demonstrates responsibility.
  • Anti-theft Discount – Cars that have factory anti-theft systems can help prevent theft and therefore earn up to a 10% discount.
  • Paperwork-free – Some insurance companies may give you up to $50 simply for signing digitally online.
  • Driver’s Ed – Make teen driver coverage more affordable by requiring them to take driver’s ed class in school.
  • Driver Safety – Successfully completing a defensive driving course could possibly earn you a 5% discount and easily recoup the cost of the course.
  • Early Switch Discount – Some companies give discounts for switching to them prior to your current policy expiring. It’s a savings of about 10%.

Keep in mind that most discounts do not apply to all coverage premiums. A few only apply to specific coverage prices like medical payments or collision. Just because you may think you could get a free car insurance policy, you’re out of luck.

Companies who might offer these benefits may include but are not limited to:

It’s a good idea to ask each insurance company what discounts are available to you. Discounts might not be offered everywhere.

Tailor your coverage to you

When it comes to buying coverage for your personal vehicles, there isn’t really a cookie cutter policy. Coverage needs to be tailored to your specific needs and a cookie cutter policy won’t apply. For example, these questions could help you determine if your insurance needs might need professional guidance.

  • Should I bundle my homeowners policy with my auto?
  • Do I need medical payments coverage since I have good health insurance?
  • Am I better off with higher deductibles on my 2008 Dodge Charger?
  • I have a DUI can I still get coverage?
  • Why do I only qualify for high-risk insurance?
  • Does insurance cover damages from a DUI accident?
  • How much underlying liability do I need for an umbrella policy?

If you’re not sure about those questions but one or more may apply to you, you might consider talking to a licensed insurance agent. If you don’t have a local agent, complete this form or you can go here for a list of companies in your area. It only takes a few minutes and may give you better protection.

Insurance coverages and their meanings

Learning about specific coverages of insurance helps when choosing the right coverages at the best deductibles and correct limits. Insurance terms can be impossible to understand and coverage can change by endorsement. These are the usual coverages offered by insurance companies.

Collision protection

This pays for damage to your Charger from colliding with another car or object. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision can pay for claims such as scraping a guard rail, hitting a parking meter, backing into a parked car, hitting a mailbox and rolling your car. Collision coverage makes up a good portion of your premium, so consider removing coverage from lower value vehicles. It’s also possible to increase the deductible to save money on collision insurance.

Liability

This protects you from damage or injury you incur to a person or their property. Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have liability limits of 50/100/50 that means you have $50,000 bodily injury coverage, $100,000 for the entire accident, and a total limit of $50,000 for damage to vehicles and property.

Liability insurance covers claims like court costs, structural damage, medical expenses and funeral expenses. The amount of liability coverage you purchase is your choice, but it’s cheap coverage so purchase as much as you can afford.

Comprehensive auto coverage

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

Comprehensive can pay for claims such as rock chips in glass, a broken windshield, a tree branch falling on your vehicle, hitting a bird and falling objects. The highest amount your insurance company will pay is the cash value of the vehicle, so if the vehicle is not worth much consider dropping full coverage.

Medical payments and PIP coverage

Medical payments and Personal Injury Protection insurance reimburse you for short-term medical expenses like funeral costs, prosthetic devices, dental work and nursing services. They are often used to cover expenses not covered by your health insurance program or if you do not have health coverage. They cover both the driver and occupants as well as any family member struck as a pedestrian. Personal injury protection coverage is not available in all states and gives slightly broader coverage than med pay

UM/UIM (Uninsured/Underinsured Motorist) coverage

This coverage protects you and your vehicle from other motorists when they do not carry enough liability coverage. Covered losses include injuries sustained by your vehicle’s occupants as well as damage to your Dodge Charger.

Because many people have only the minimum liability required by law, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is important protection for you and your family.

Do the work, save more money

The cheapest 2008 Dodge Charger insurance can be found on the web as well as from independent agents, so compare prices from both to have the best chance of lowering rates. A few companies don’t offer online price quotes and many times these small insurance companies only sell through independent insurance agents.

Throughout this article, we presented a lot of ways to lower your insurance rates. The key thing to remember is the more times you quote, the more likely it is that you will get a better rate. You may be surprised to find that the lowest rates come from a small mutual company. They may cover specific market segments cheaper than the large multi-state companies such as Allstate or State Farm.

As you go through the steps to switch your coverage, it’s a bad idea to reduce needed coverages to save money. Too many times, someone sacrificed comprehensive coverage or liability limits only to regret they didn’t have enough coverage. The ultimate goal is to get the best coverage possible at a price you can afford, not the least amount of coverage.

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