Save on 2016 Dodge Charger Car Insurance Quotes

Being forced to pay for overpriced insurance coverage premiums can sap your budget and possibly require you to analyze your spending habits. Doing a rate analysis can be a smart way to tighten up your finances.

Many insurance companies vie to insure your vehicles, so it’s not easy to compare every insurer and uncover the absolute best rate

Consumers need to check insurance coverage prices every six months because insurance coverage prices are adjusted regularly by insurance companies. Just because you had the best rates on Charger insurance a couple years back you may be paying too much now. Forget anything you know (or think you know) about insurance coverage because we’re going to show you one of the best ways to find better rates and still maintain coverage.

If you currently have car insurance, you should be able to save some money using these techniques. Choosing the best insurance company for you is not rocket science. But drivers should learn the way companies compete online.

Get affordable insurance rates with discounts

Car insurance companies do not advertise the entire discount list very well, so the below list has a few of the more well known and also the more inconspicuous credits available to bring down your rates.

  • Active Military Service – Having an actively deployed family member could trigger a small discount.
  • Discount for Good Grades – Maintaining excellent grades can get you a discount of up to 25%. The discount lasts up to age 25.
  • Driver’s Education for Students – Teen drivers should sucessfully take a drivers education course in school or through a local driver safety program.
  • Use Seat Belts – Using a seat belt and requiring all passengers to buckle up can save a little off the medical payments premium.
  • Low Mileage Discounts – Low mileage vehicles may enable drivers to earn lower rates due to less chance of an accident.
  • Distant Student Discount – Kids living away from home attending college and do not have access to a covered vehicle could qualify for this discount.
  • Payment Discounts – By paying your policy upfront rather than paying monthly you could save 5% or more.
  • Anti-theft Discount – Vehicles that have factory anti-theft systems are stolen less frequently and can earn a small discount on your policy.

Drivers should understand that most credits do not apply to all coverage premiums. The majority will only reduce individual premiums such as comp or med pay. So when the math indicates adding up those discounts means a free policy, it’s just not the way it works.

Companies and a summarized list of policyholder discounts are outlined below.

  • 21st Century has discounts for air bags, automatic seat belts, theft prevention, driver training, and early bird.
  • State Farm includes discounts for multiple policy, accident-free, good student, Drive Safe & Save, anti-theft, Steer Clear safe driver discount, and driver’s education.
  • AAA offers discounts for education and occupation, pay-in-full, anti-theft, multi-car, good driver, good student, and AAA membership discount.
  • Liberty Mutual policyholders can earn discounts including preferred payment discount, good student, hybrid vehicle, safety features, newly married, new move discount, and new vehicle discount.
  • Progressive may offer discounts for good student, multi-vehicle, multi-policy, online signing, continuous coverage, and online quote discount.

When comparing rates, check with every prospective company to give you their best rates. All car insurance discounts might not be offered on policies in every state. To locate insurance companies offering insurance discounts, follow this link.

Compare free insurance quotes

There are several ways of comparing rates from lots of insurance companies. The recommended way to find competitive 2016 Dodge Charger insurance rates is to perform an online rate comparison. It is quite easy and can be accomplished in just a few minutes using one of these methods.

  • If you don’t have a lot of time, the easiest way to get quotes for comparison would be an industry-wide quote request form click here to open form in new window. This style of form prevents you from having to do separate quotes to each individual insurance company. One quote request will get you rate comparisons from insurance companies with the best prices.
  • A harder way to compare rate quotes consists of visiting the website of each company to complete their respective quote request forms. For sake of this example, let’s assume you need rates from State Farm, Geico and Travelers. To get each rate you have to navigate to each company’s site and type in your information over and over, which is not fast way to get rate quotes.

    For a list of links to insurance companies in your area, click here.

  • The least efficient method to compare price estimates is physically going to local insurance agencies. Doing it all online has made agencies unnecessary unless you have a need for the professional assistance of a licensed agent. Some companies do allow you to compare the best prices online but buy the policy through an agent.

However you get your quotes, ensure you are comparing identical coverage limits on every quote you get. If you use different deductibles it will be impossible to truly determine the lowest rate. Quoting even small variations in coverages can make a big difference in price. Keep in mind that comparing more rates from different companies gives you a better chance of getting a better price.

How you can control Dodge Charger insurance costs

Many things are part of the calculation when premium rates are determined. Some of the criteria are obvious like your driving record, but other factors are not quite as obvious such as your credit history and annual miles driven.One of the most helpful ways to save on insurance is to to have a grasp of the rating factors that play a part in calculating your insurance rates. When consumers understand what positively or negatively impacts your premiums, this allows you to make good choices that can earn you big savings.

  • Better rates with anti-theft devices – Buying a car with an alarm system can earn a premium discount. Systems that thwart theives such as OnStar, LoJack tracking, and tamper alarms all help stop auto theft.
  • Save money by raising comp and collision deductibles – Deductibles for physical damage are the amount of money the insured will be required to pay before your insurance pays a claim. Insurance for physical damage to your car, termed comprehensive and collision coverage on your policy, insures against damage to your car. Some coverage claims would be rearending another vehicle, animal collisions, and damage caused by road hazards. The more you have to pay, the better rate you will receive on Charger insurance.
  • Your location is important – Having an address in small towns and rural areas has definite advantages when shopping for auto insurance. City drivers regularly have more traffic problems and higher rates of accident claims. Fewer people means a lower chance of having an accident and a lower car theft rate.
  • Gals tend to be lower risk – Statistics show women tend to be less risk to insure than men. The data does not necessarily mean that men are worse drivers. Women and men have at-fault accidents at about the same rate, but the males have costlier accidents. Men also tend to receive more major tickets like DUI and reckless driving.

Tailor your insurance coverage to you

When choosing proper insurance coverage for your vehicles, there really is no single plan that fits everyone. Your needs are not the same as everyone else’s so this has to be addressed. These are some specific questions might help in determining if your situation would benefit from an agent’s advice.

  • Should I buy more coverage than the required minimum liability coverage?
  • How can I force my company to pay a claim?
  • Is there coverage for injuries to my pets?
  • Why am I required to buy liability insurance?
  • Can I rent a car in Mexico?
  • Is my camper covered by my car insurance policy?
  • What if I don’t agree with a claim settlement offer?
  • How high should my uninsured/underinsured coverage be in my state?
  • Why does it cost so much to insure a teen driver?

If it’s difficult to answer those questions but you think they might apply to your situation then you might want to talk to a licensed agent. To find lower rates from a local agent, complete this form or you can also visit this page to select a carrier

Are you falling for claims of savings?

Well-known auto insurance companies like Allstate, Geico and Progressive endlessly run television, radio, and online ads. They all seem to make an identical promise that drivers can save some big amount if you just switch your coverage. How is it plausible that every one can make almost identical claims? This is the way they can do it.

Most companies require specific criteria for a prospective insured that will generate a profit. An example of this type of driver might have to be between the ages of 40 and 55, has never had a claim, and drives less than 10,000 miles a year. A customer getting a price quote who fits that profile will most likely get cheap premium rates as well as save if they switch.

Consumers who are not a match for those standards will get more expensive rates which usually ends up with the customer not purchasing. If you pay attention, the ads say “drivers who switch” not “everybody who quotes” will save that much if they switch. This is how insurance companies can make it sound like they have such great rates. Different companies use different criteria so you really should compare quotes as often as possible. It is just not possible to predict with any certainty which company will have the best prices at this point in time.

What auto insurance coverages do you need?

Having a good grasp of a auto insurance policy can be of help when determining the best coverages at the best deductibles and correct limits. The terms used in a policy can be impossible to understand and nobody wants to actually read their policy. Listed below are typical coverage types found on the average auto insurance policy.

Liability coverages

Liability insurance can cover damages or injuries you inflict on other’s property or people in an accident. It protects YOU from legal claims by others. It does not cover your own vehicle damage or injuries.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see liability limits of 25/50/25 that translate to a $25,000 limit per person for injuries, $50,000 for the entire accident, and property damage coverage for $25,000.

Liability coverage pays for things such as repair bills for other people’s vehicles, pain and suffering, funeral expenses, bail bonds and attorney fees. How much coverage you buy is your choice, but it’s cheap coverage so purchase as high a limit as you can afford.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This coverage provides protection from other drivers when they are uninsured or don’t have enough coverage. Covered losses include medical payments for you and your occupants as well as your vehicle’s damage.

Since a lot of drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important.

Comprehensive auto coverage

This pays for damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive can pay for things like falling objects, damage from getting keyed and fire damage. The maximum amount you can receive from a comprehensive claim is the market value of your vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Coverage for collisions

This covers damage to your Charger resulting from colliding with an object or car. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against claims such as colliding with a tree, sideswiping another vehicle, sustaining damage from a pot hole and rolling your car. Paying for collision coverage can be pricey, so consider dropping it from lower value vehicles. Drivers also have the option to increase the deductible to save money on collision insurance.

Medical payments and PIP coverage

Coverage for medical payments and/or PIP provide coverage for bills for ambulance fees, X-ray expenses, rehabilitation expenses, hospital visits and surgery. They are often used to fill the gap from your health insurance plan or if you lack health insurance entirely. It covers not only the driver but also the vehicle occupants and will also cover being hit by a car walking across the street. Personal injury protection coverage is not an option in every state and gives slightly broader coverage than med pay

Spend less. Save more.

Low-cost 2016 Dodge Charger insurance is available both online and from local agencies, so you need to quote auto insurance with both to have the best chance of lowering rates. There are still a few companies who do not offer price quotes online and these regional insurance providers only sell through local independent agencies.

We just showed you many tips how you can reduce 2016 Dodge Charger insurance premium rates online. The key thing to remember is the more quotes you get, the higher the chance of saving money. You may be surprised to find that the lowest premium rates come from some of the lesser-known companies. They often have lower prices on specific markets as compared to the big name companies such as Allstate or State Farm.

More detailed car insurance information is available by following these links: