Compare 2009 Dodge Charger Insurance Quotes

Trying to find lower insurance rates for your Dodge Charger? Have you fallen victim to high-priced insurance? Believe me, many consumers feel financially strained by their insurance policy. With consumers having so many online and local companies to choose from, it’s difficult to locate the best car insurance company.

Finding the best rates is not that difficult. If you currently have a car insurance policy, you will be able to reduce your rates substantially using this information. Consumers just need to know the most effective way to shop online.

Factors influencing Dodge Charger insurance rates

Consumers need to have an understanding of the different types of things that play a part in calculating the price you pay for auto insurance. Having a good understanding of what influences your rates empowers consumers to make smart changes that will entitle you to big savings.

Shown below are a few of the “ingredients” used by your company to calculate prices.

  • Multi-policy discounts can save money – Some auto insurance companies will award you with lower prices to people who carry more than one policy in the form of a multi-policy discount. Even though this discount sounds good, you still need to comparison shop to verify if the discount is saving money.
  • Don’t skimp on liability – Liability insurance provides coverage in the event that you are found to be at fault for damages caused by your negligence. Liability provides legal defense coverage up to the limits shown on your policy. Liability is cheap compared to physical damage coverage, so do not cut corners here.
  • You might want pay the small claims yourself – If you are a frequent claim filer, you can definitely plan on higher rates. Insurance companies generally give lower rates to people who do not file claims often. Insurance coverage is intended for major claims that would cause financial hardship.
  • Do you know your deductibles? – Your deductibles define the amount you are required to spend out-of-pocket if you file a covered claim. Physical damage insurance, also known as collision and other-than-collision, insures against damage to your car. Some instances where coverage would apply are running into the backend of another car, vandalism, and windstorm damage. The more you are required to pay out-of-pocket, the lower your rates will be for Charger insurance.
  • Battle of the sexes – The statistics show women tend to be less risk to insure than men. That doesn’t necessarily mean that men are worse drivers. Both sexes cause accidents in similar percentages, but the men cause more damage. Men also statistically get cited for more serious violations such as reckless driving. Teenage male drivers are several times more likely to be in an accident and therefore have the most expensive auto insurance rates.
  • Careful drivers pay lower rates – Even a single speeding ticket can increase rates twenty percent or more. Good drivers tend to pay less for car insurance compared to drivers with tickets. Drivers who get flagrant violations such as DWI, reckless driving or hit and run convictions may be required to file a SR-22 with the DMV in their state in order to keep their license.
  • Do you need the policy add-ons? – There are a ton of extra bells and whistles that you can get tricked into buying if you aren’t careful. Coverages for personal injury protection, accidental death and additional equipment coverage are some examples. They may seem good initially, but now you might not need them so eliminate them to save money.

Low Cost Car Insurance

There are a variety of methods to shop for 2009 Dodge Charger car insurance, but one way is more efficient than others. You can spend countless hours discussing policy coverages with insurance companies in your area, or you can stay home and use online quoting to achieve your goal.

Most of the larger companies are enrolled in a marketplace where insurance shoppers submit one quote, and at least one company provides a quote determined by their information. This prevents consumers from doing quote forms to every company. To enter your information into the quoting system, click here to start a free quote.

The one downside to using this type of form is you don’t know exactly which companies you will receive quotes from. So if you prefer to choose specific providers to request quotes from, we have a page of low cost car insurance companies in your area. Click here to view list.

It’s up to you which method you use, but ensure you’re using exactly the same coverage limits on every quote you get. If you have mixed coverages it will be very difficult to decipher which rate is best.

Car insurance ads bend the truth

Drivers constantly see and hear ads that promise big savings from companies such as 21st Century, Allstate and State Farm. All the companies say the same thing of big savings if you move your policy.

How can each company say the same thing?

All companies have a certain “appetite” for the type of customer that earns them a profit. For instance, a profitable customer could be over the age of 40, has no tickets, and drives less than 7,500 miles a year. A driver who meets those qualifications will qualify for the lowest rates and is almost guaranteed to save a lot of money.

Potential insureds who don’t meet the requirements will be quoted a higher premium and ends up with the driver buying from a lower-cost company. The ads state “customers that switch” but not “drivers who get quotes” save that much money. That’s why insurance companies can make the claims of big savings. This emphasizes why it’s extremely important to get as many quotes as possible. It’s impossible to know which car insurance company will give you the biggest savings on Dodge Charger insurance.

Companies offer discounts so take them!

Companies offering auto insurance don’t list all available discounts very clearly, so we break down some of the best known as well as the least known savings tricks you should be using. If you’re not getting every credit you qualify for, you’re paying more than you need to.

  • Discount for Swiching Early – Select companies give a discount for signing up before your current policy expires. The savings is around 10%.
  • Employee of Federal Government – Simply working for the federal government may qualify you for a discount for Charger insurance with certain companies.
  • Discount for New Cars – Putting insurance coverage on a new car can cost up to 25% less because new vehicles have to meet stringent safety requirements.
  • Seat Belts Save more than Lives – Buckling up and requiring all passengers to wear their seat belts could save 15% off your medical payments premium.
  • Sign Online – A handful of insurance companies give back up to $50 for buying a policy and signing up online.
  • Safe Drivers – Safe drivers may receive a discount up to 45% less for Charger insurance than drivers with accident claims.
  • Memberships – Participating in a qualifying organization could trigger savings on insurance for Charger insurance.
  • Accident Forgiveness – A few companies will forgive one accident before your rates go up so long as you haven’t had any claims for a set time period.

Consumers should know that some of the credits will not apply to the entire cost. Most only apply to specific coverage prices like liability, collision or medical payments. So even though they make it sound like you would end up receiving a 100% discount, it just doesn’t work that way.

To see a list of providers with the best insurance discounts, click here.

Do I just need basic coverages?

When it comes to choosing the best car insurance coverage for your personal vehicles, there really is not a one size fits all plan. Every insured’s situation is different so your insurance needs to address that. For example, these questions can help discover whether you may require specific advice.

  • Are there companies who specialize in insuring high-risk drivers?
  • Does coverage extend to a rental car in a foreign country?
  • Is my 2009 Dodge Charger covered for flood damage?
  • How much liability insurance is required?
  • Can I make deliveries for my home business?
  • What is medical payments coverage?
  • Is motorclub coverage worth it?

If you can’t answer these questions but you know they apply to you, you may need to chat with an agent. To find an agent in your area, fill out this quick form or click here for a list of car insurance companies in your area. It’s fast, free and can provide invaluable advice.

Specific coverage details

Having a good grasp of your auto insurance policy can help you determine appropriate coverage for your vehicles. Auto insurance terms can be impossible to understand and reading a policy is terribly boring. Listed below are typical coverage types available from auto insurance companies.

Collision protection

Collision insurance will pay to fix damage to your Charger resulting from colliding 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 can pay for claims such as rolling your car, colliding with another moving vehicle and driving through your garage door. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are older. It’s also possible to increase the deductible in order to get cheaper collision rates.

Comprehensive auto coverage

This pays for damage OTHER than collision with another vehicle or object. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers claims such as a tree branch falling on your vehicle, damage from flooding, hail damage and hitting a bird. The most you’ll receive from a claim is the actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Your UM/UIM coverage protects you and your vehicle when other motorists either are underinsured or have no liability coverage at all. This coverage pays for hospital bills for your injuries as well as your vehicle’s damage.

Because many people have only the minimum liability required by law, their limits can quickly be used up. This is the reason having UM/UIM coverage is a good idea.

Liability car insurance

Liability insurance can cover damages or injuries you inflict on other people or property. It protects YOU from claims by other people. It does not cover your injuries or vehicle damage.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show limits of 100/300/100 that means you have $100,000 bodily injury coverage, a per accident bodily injury limit of $300,000, and property damage coverage for $100,000.

Liability insurance covers things such as loss of income, court costs, attorney fees, medical services and structural damage. How much liability coverage do you need? That is your choice, but you should buy as much as you can afford.

Medical payments and PIP coverage

Coverage for medical payments and/or PIP kick in for bills like dental work, nursing services, X-ray expenses and EMT expenses. The coverages can be used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. They cover you and your occupants and also covers getting struck while a pedestrian. PIP coverage is only offered in select states but can be used in place of medical payments coverage

Be Smart and Buy Smart

Low-cost 2009 Dodge Charger insurance is available both online and with local insurance agents, so you should be comparing quotes from both to get a complete price analysis. Some insurance providers do not offer online quoting and many times these small, regional companies only sell through independent insurance agents.

We just showed you a lot of information how to compare insurance prices online. It’s most important to understand that the more rate quotes you have, the higher your chance of finding lower rates. You may even find the lowest rates come from a smaller regional carrier. These companies may only write in your state and offer lower rates as compared to the big name companies such as Allstate, GEICO and Progressive.

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