Want the cheapest car insurance rates for your Dodge Charger? Finding affordable car insurance is difficult for people who are new to buying insurance online. There are so many choices that it can be a challenge to compare prices.
Consumers need to compare prices at least once a year since rates trend upward over time. Just because you had the best deal for Charger coverage two years ago the chances are good that you can find a lower rate today. So ignore everything you know about car insurance because you’re going to get a crash course in one of the best ways to save on car insurance.
Car insurance companies do not list all available discounts very well, so we researched both the well known and the more hidden ways to save on insurance coverage.
It’s important to note that most credits do not apply to the overall cost of the policy. Some only reduce individual premiums such as comprehensive or collision. Just because it seems like you can get free auto insurance, companies wouldn’t make money that way.
To see a list of insurers who offer insurance coverage discounts, click here.
Shopping for lower car insurance rates can take hours if you don’t utilize the most efficient way to do it. You can waste a few hours (or days) discussing policy coverages with agents in your area, or you can utilize the web to get the quickest rates.
Most major companies belong to a marketplace where prospective buyers send in one quote, and each participating company provides a quote based on the submitted data. This prevents consumers from doing form submissions to each company. To access this free quoting program, click here (opens in new window).
The only downside to comparing rates this way is that you can’t choose which providers to receive prices from. If you would rather choose from a list of companies to compare prices, we have assembled a list of the cheapest car insurance companies in your area. View list of insurance companies.
Which method you use is up to you, but make darn sure you compare identical coverages and limits for every company. If you use higher or lower deductibles it’s not possible to determine the lowest rate for your Dodge Charger. Quoting even small variations in coverage limits may result in large price differences. And when comparing car insurance rates, know that comparing more company’s prices provides better odds of finding the best offered rates.
When buying proper insurance coverage, there isn’t really a one size fits all plan. Every insured’s situation is different.
For instance, these questions may help you determine whether your personal situation might need professional guidance.
If you can’t answer these questions but a few of them apply then you might want to talk to an insurance agent. To find an agent in your area, fill out this quick form.
Understanding the coverages of your policy helps when choosing appropriate coverage for your vehicles. The terms used in a policy can be ambiguous and even agents have difficulty translating policy wording.
Medical costs insurance – Coverage for medical payments and/or PIP reimburse you for bills such as hospital visits, prosthetic devices and rehabilitation expenses. The coverages can be used to fill the gap from your health insurance plan or if you lack health insurance entirely. It covers you and your occupants and will also cover getting struck while a pedestrian. Personal injury protection coverage is only offered in select states but can be used in place of medical payments coverage
Liability auto insurance – Liability coverage can cover damage that occurs to people or other property in an accident. It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see policy limits of 100/300/100 that translate to a $100,000 limit per person for injuries, a per accident bodily injury limit of $300,000, and a limit of $100,000 paid for damaged property.
Liability insurance covers things like loss of income, court costs, structural damage, medical services and medical expenses. How much coverage you buy is a personal decision, but consider buying higher limits if possible.
Collision – This coverage pays for damage to your Charger resulting from a collision with another car or object. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.
Collision coverage protects against things like hitting a mailbox, damaging your car on a curb, sustaining damage from a pot hole and crashing into a ditch. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are older. Drivers also have the option to bump up the deductible in order to get cheaper collision rates.
Comprehensive or Other Than Collision – Comprehensive insurance coverage pays for damage caused by mother nature, theft, vandalism and other events. A deductible will apply then your comprehensive coverage will pay.
Comprehensive coverage protects against claims like a tree branch falling on your vehicle, fire damage and vandalism. The maximum payout your auto insurance company will pay is the market value of your vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.
UM/UIM Coverage – Uninsured or Underinsured Motorist coverage provides protection from other drivers when they either have no liability insurance or not enough. Covered claims include medical payments for you and your occupants and also any damage incurred to your Dodge Charger.
Due to the fact that many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. So UM/UIM coverage is a good idea.
Drivers switch companies for a variety of reasons including high prices, policy non-renewal, not issuing a premium refund or extreme rates for teen drivers. Regardless of your reason, choosing a new company can be less work than you think.
As you shop your coverage around, it’s not a good idea to buy poor coverage just to save money. There have been many situations where an insured cut physical damage coverage and found out when filing a claim that saving that couple of dollars actually costed them tens of thousands. Your strategy should be to find the BEST coverage for the lowest price, not the least amount of coverage.
We’ve covered many ideas to shop for 2006 Dodge Charger insurance online. The key thing to remember is the more price quotes you have, the higher the chance of saving money. Drivers may discover the lowest premiums are with a lesser-known regional company.
Additional detailed information is available at these sites: