View 2013 Dodge Charger Insurance Quotes

Shoppers have a choice when shopping for low-cost Dodge Charger insurance. They can either spend hours driving around getting price quotes or use the internet to compare rates. There are more efficient ways to compare auto insurance rates and we’ll show you the absolute fastest way to compare rates on a Dodge and find the lowest price from both online companies and local agents.

Finding affordable coverage is easy if you know what you’re doing. If you have car insurance now, you will be able to reduce your rates substantially using these techniques. Drivers only need to know the tricks to shop their coverage around over the internet.

Dodge Charger insurance rates consist of many parts

Consumers need to have an understanding of the factors that play a part in calculating insurance coverage rates. Having a good understanding of what determines base rates allows you to make educated decisions that will entitle you to lower insurance coverage prices.

Shown below are some of the items companies use to determine prices.

  • Traffic citations inflate rates – Your driving record impacts your car insurance rates tremendously. Drivers with clean records get better rates than people who have multiple driving citations. Even a single speeding ticket may increase your cost forty percent or more. Drivers who get severe violations such as hit and run, DWI or reckless driving convictions may be required to submit a SR-22 form to the state department of motor vehicles in order to drive a vehicle legally.
  • Liability coverage is cheap – Your policy’s liability coverage provides coverage when you are found to be at fault for damages from an accident. Liability provides legal defense coverage up to the limits shown on your policy. Liability insurance is quite affordable as compared to coverage for physical damage, so drivers should carry high limits.
  • Big city or small town – Being located in a small town is a positive aspect when it comes to insurance coverage. Urban drivers have to deal with more traffic problems and a longer drive to work. Less people living in that area translates into fewer accidents.
  • Rate your vehicle for proper use – The more miles you rack up on your Dodge each year the higher your rate. Most companies rate vehicles determined by how the vehicle is used. Vehicles that are left in the garage receive lower rates than those used for commuting. Verify your insurance coverage policy is showing how each vehicle is driven, because improper ratings can cost you money. If your policy improperly rates your Charger can result in significantly higher rates.
  • Teen drivers pay high rates – Teenage drivers are known to be less responsible in a vehicle so they pay higher insurance coverage rates. Mature drivers tend to be more responsible, statistically cause fewer accidents and tend to be better behind the wheel.

Discounts are great for lower rates

Companies do not advertise all their discounts very well, so we took the time to find some of the best known and the more hidden ways to save on insurance coverage. If you don’t get every credit you qualify for, you’re just leaving money on the table.

  • Passive Restraint Discount – Vehicles with factory air bags and/or automatic seat belt systems can get savings of up to 25% or more.
  • Discount for New Cars – Insuring a new car can save up to 30% due to better safety requirements for new cars.
  • Government Employees – Active or retired federal employment may qualify you for a discount for Charger insurance with a few insurance coverage companies.
  • Accident Forgiveness – Some insurance companies will forgive one accident before raising your premiums so long as you haven’t had any claims prior to the accident.
  • Homeowners Savings – Being a homeowner can help you save on insurance coverage because maintaining a house shows financial diligence.
  • Seat Belt Usage – Using a seat belt and requiring all passengers to buckle their seat belts can save 10% or more off the personal injury premium cost.
  • Bundle and Save – If you have multiple policies with the same insurance company you will save up to 20% off your total premium.
  • Defensive Driver – Completing a defensive driving course can save you 5% or more if your company offers it.

As a disclaimer on discounts, some of the credits will not apply to the overall cost of the policy. Some only apply to the price of certain insurance coverages like liability, collision or medical payments. So when the math indicates all the discounts add up to a free policy, it just doesn’t work that way.

To see a list of providers with discount insurance coverage rates, follow this link.

Is there truth in advertising?

Consumers get pounded daily by advertisements for cheaper car insurance from companies such as State Farm, Geico and Progressive. All the ads make an identical promise that you’ll save big if you move your policy.

How does each company make the same claim? It’s all in the numbers.

Different companies have a preferred profile for the type of customer that makes them money. An example of a driver they prefer could possibly be over the age of 40, is a homeowner, and drives newer vehicles. A customer who fits that profile will qualify for the lowest rates and is almost guaranteed to cut their rates substantially.

Potential insureds who don’t qualify for the requirements will be quoted higher prices and this can result in business not being written. The ads state “customers that switch” not “everyone that quotes” save money. That’s why insurance companies can confidently make the claims of big savings. This emphasizes why you need to compare many company’s rates. You cannot predict which company will give you the biggest savings on Dodge Charger insurance.

You may need specialized coverage

When it comes to buying the best insurance coverage, there is no single plan that fits everyone. Coverage needs to be tailored to your specific needs.

For instance, these questions can aid in determining whether you could use an agent’s help.

  • Which companies will insure high-risk drivers?
  • Can I afford low physical damage deductibles?
  • Will my rates increase for filing one claim?
  • Do I need added coverage for expensive stereo equipment?
  • Do I need an umbrella policy?
  • Should I have a commercial auto policy?
  • Does insurance cover tools stolen from my truck?
  • Am I covered by my employer’s commercial auto policy when driving my personal car for business?
  • If I drive on a suspended license am I covered?

If it’s difficult to answer those questions but a few of them apply, you may need to chat with an insurance agent. If you don’t have a local agent, simply complete this short form. It is quick, free and can help protect your family.

Coverages available on your insurance policy

Understanding the coverages of a insurance policy can be of help when determining which coverages you need and the correct deductibles and limits. The coverage terms in a policy can be difficult to understand and coverage can change by endorsement.

Medical expense insurance

Personal Injury Protection (PIP) and medical payments coverage reimburse you for bills such as X-ray expenses, rehabilitation expenses, surgery, pain medications and funeral costs. They are often used to cover expenses not covered by your health insurance policy or if you do not have health coverage. It covers all vehicle occupants in addition to being hit by a car walking across the street. Personal injury protection coverage is only offered in select states and gives slightly broader coverage than med pay

Protection from uninsured/underinsured drivers

Your UM/UIM coverage protects you and your vehicle when the “other guys” are uninsured or don’t have enough coverage. This coverage pays for injuries sustained by your vehicle’s occupants and damage to your 2013 Dodge Charger.

Because many people have only the minimum liability required by law, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is very important.

Collision protection

Collision insurance pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. You will need to pay your deductible then your collision coverage will kick in.

Collision can pay for things like hitting a mailbox, damaging your car on a curb and colliding with a tree. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from lower value vehicles. It’s also possible to bump up the deductible in order to get cheaper collision rates.

Comprehensive (Other than Collision)

Comprehensive insurance coverage pays for damage from a wide range of events other than collision. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against things such as theft, hail damage, damage from getting keyed, hitting a bird and damage from flooding. The maximum payout a 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 probably time to drop comprehensive insurance.

Coverage for liability

This protects you from damages or injuries you inflict on a person or their property in an accident. This insurance protects YOU against other people’s claims. It does not cover damage sustained by your vehicle in an accident.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. 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 coverage pays for things such as court costs, repair costs for stationary objects and attorney fees. How much coverage you buy is up to you, but it’s cheap coverage so purchase as much as you can afford.

Affordable insurance is out there

Throughout this article, we presented a lot of techniques to reduce 2013 Dodge Charger insurance prices online. It’s most important to understand that the more price quotes you have, the better your chances of lowering your rates. You may be surprised to find that the best prices are with a company that doesn’t do a lot of advertising.

Budget-conscious insurance is available from both online companies in addition to many insurance agents, so you should be comparing quotes from both to have the best selection. There are still a few companies who do not provide you the ability to get quotes online and usually these small insurance companies provide coverage only through local independent agents.

As you prepare to switch companies, make sure you don’t reduce coverage to reduce premium. There have been many situations where an accident victim reduced physical damage coverage and discovered at claim time that the savings was not a smart move. The proper strategy is to purchase plenty of coverage at a price you can afford while not skimping on critical coverages.

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