Lower Your 2018 Dodge Charger Car Insurance Cost

Finding cheap prices for Driverscar insurance is always hard for drivers new to online price comparisons. You have so many companies to choose from that it can easily become a challenge to compare rates.

If you have car insurance now, you should be able to save some money using this information. The purpose of this post is to let you in on how to effectively get price quotes and some tricks to saving. Although consumers need to learn how the larger insurance companies sell insurance online and take advantage of how the system works.

Get affordable insurance coverage with discounts

Not too many consumers would say insurance coverage is affordable, but there could be significant discounts that can drop the cost substantially. Some discounts apply automatically when you complete an application, but some must be manually applied before you will receive the discount.

  • Air Bag Discount – Vehicles with factory air bags can receive discounts of more than 20%.
  • Student Driver Training – Require your teen driver to sucessfully take a drivers education course in school or through a local driver safety program.
  • Discount for Life Insurance – Select companies reward you with lower rates if you buy some life insurance too.
  • Professional Memberships – Being in specific professional or occupational memberships or organizations may earn a discount when shopping for insurance coverage.
  • Payment Method – By paying your entire bill at once rather than spreading payments over time you can avoid monthly service charges.
  • Safety Course Discount – Taking a course teaching driver safety skills could possibly earn you a 5% discount and easily recoup the cost of the course.

Drivers should understand that some of the credits will not apply to your bottom line cost. Most cut individual premiums such as comprehensive or collision. If you do the math and it seems like you would end up receiving a 100% discount, companies wouldn’t make money that way.

A list of insurance coverage companies and their possible discounts can be read below.

  • Farm Bureau offers premium reductions for multi-vehicle, safe driver, multi-policy, renewal discount, and youthful driver.
  • Liberty Mutual discounts include exclusive group savings, preferred payment discount, teen driver discount, multi-car, newly retired, new move discount, and newly married.
  • State Farm may have discounts that include safe vehicle, student away at school, anti-theft, good driver, accident-free, multiple policy, and defensive driving training.
  • Auto-Owners Insurance has savings for anti-lock brakes, company car, multiple vehicles, mature driver, group or association, and safe driver.
  • Geico includes discounts for emergency military deployment, daytime running lights, anti-lock brakes, military active duty, good student, multi-policy, and membership and employees.
  • SAFECO offers discounts for teen safety rewards, teen safe driver, safe driver, bundle discounts, homeowner, and multi-car.

If you want low cost insurance quotes, ask every company to apply every possible discount. Discounts might not be available to policyholders in your state. To see a list of insurers that offer the discounts shown above, follow this link.

Smart consumers save money

Many things are used when quoting car insurance. Some factors are common sense such as your driving record, but some are more obscure such as your credit history or how safe your car is.A large part of saving on insurance is knowing some of the factors that aid in calculating the price you pay for insurance. If you know what controls the rates you pay, this empowers consumers to make smart changes that could result in better insurance rates.

  • Marriage can lower prices – Being married may cut your premiums on your policy. Having a spouse usually means you are more responsible and insurance companies reward insureds because drivers who are married are more cautious.
  • Is your vehicle theft-ready? – Choosing to buy a car with an alarm system can get you a discount on your insurance. Systems that thwart theives such as vehicle immobilizer systems, OnStar, and tracking devices like LoJack all help stop your vehicle from being stolen.
  • Tickets cost more than a fine – Drivers with clean records have lower premiums than people who have multiple driving citations. Just one speeding ticket or other violation can increase rates by as much as twenty percent. Drivers unfortunate enough to have flagrant tickets such as hit and run, DWI or reckless driving convictions may face state-mandated requirements to file a proof of financial responsibility form (SR-22) with their state in order to drive a vehicle legally.
  • Too many claims drive up rates – Car insurance companies provide better rates to people who do not rely on their insurance for small claims. If you frequently file small claims, you can expect higher premiums or even policy non-renewal. Your insurance policy is intended for the large, substantial claims.
  • Know your vehicle’s NHTSA crash test rating – Cars with high safety ratings cost less to insure. The safest vehicles reduce occupant injuries and any reduction in injury severity means less money paid by your insurance company and cheaper rates on your policy.

Tailor your insurance coverage to you

When buying the right insurance coverage, there really is not a “perfect” insurance plan. Everyone’s needs are different.

Here are some questions about coverages that may help you determine whether or not you may require specific advice.

  • Should I drop comprehensive coverage on older vehicles?
  • Am I better off with higher deductibles on my 2018 Dodge Charger?
  • Should I bundle my homeowners policy with my auto?
  • Should I have combined single limit or split liability limits?
  • Is my teenager covered with friends in the car?
  • If I drive on a suspended license am I covered?
  • When would I need rental car insurance?
  • When should I remove comp and collision on my 2018 Dodge Charger?
  • How can I get my company to pay me more for my totalled car?

If you don’t know the answers to these questions but you know they apply to you, you may need to chat with a licensed agent. To find an agent in your area, take a second and complete this form.

Car insurance policy specifics

Understanding the coverages of your car insurance policy helps when choosing appropriate coverage 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.

Medical expense coverage – Medical payments and Personal Injury Protection insurance reimburse you for expenses for things like ambulance fees, hospital visits, pain medications and X-ray expenses. The coverages can be used in conjunction with a health insurance plan or if there is no health insurance coverage. They cover not only the driver but also the vehicle occupants and also covers being hit by a car walking across the street. PIP coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage

Comprehensive protection – Comprehensive insurance pays to fix your vehicle from damage that is not covered by collision coverage. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against things like theft, rock chips in glass, falling objects and hitting a deer. The maximum amount your car insurance company will pay is the ACV or actual cash value, so if it’s not worth much more than your deductible consider dropping full coverage.

Collision coverage – Collision coverage pays to fix your vehicle from damage caused by collision with another vehicle or an object, but not an animal. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision coverage protects against claims like driving through your garage door, crashing into a ditch, hitting a parking meter and sustaining damage from a pot hole. This coverage can be expensive, so you might think about dropping it from older vehicles. Drivers also have the option to raise the deductible in order to get cheaper collision rates.

Liability coverage – Liability coverage will cover damages or injuries you inflict on other’s property or people. This coverage protects you against other people’s claims. It does not cover your injuries or vehicle damage.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You might see limits of 100/300/100 that means you have $100,000 bodily injury coverage, a total of $300,000 of bodily injury coverage per accident, and property damage coverage for $100,000.

Liability coverage protects against claims such as repair bills for other people’s vehicles, medical services, bail bonds and structural damage. How much liability coverage do you need? That is a personal decision, but consider buying as large an amount as possible.

Uninsured or underinsured coverage – Uninsured or Underinsured Motorist coverage provides protection from other motorists when they either have no liability insurance or not enough. Covered claims include medical payments for you and your occupants as well as damage to your Dodge Charger.

Because many people carry very low liability coverage limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is important protection for you and your family.

Save your hard earned cash

When you buy insurance online, it’s not a good idea to buy poor coverage just to save money. There are many occasions where drivers have reduced physical damage coverage only to discover later that the few dollars in savings costed them thousands. Your focus should be to buy the best coverage you can find at the lowest possible cost, but do not skimp to save money.

Drivers who switch companies do it for a variety of reasons including delays in paying claims, not issuing a premium refund, extreme rates for teen drivers and even being labeled a high risk driver. Whatever your reason, finding a great new company is less work than it seems.

You just read quite a bit of information on how to reduce 2018 Dodge Charger insurance prices online. The most important thing to understand is the more companies you get rates for, the higher the chance of saving money. Consumers could even find that the best price on auto insurance is with the smaller companies.

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