How Much Does 2010 Dodge Charger Insurance Cost?

Want the cheapest insurance coverage rates for your Dodge Charger? Are you tired of robbing Peter to pay Paul to insure your Dodge every month? You are in the same boat as most other car owners.

Because there are so many insurance coverage companies to choose from, it can be challenging to find the cheapest car insurance company.

It’s smart to get comparison quotes quite often because prices are variable and change quite frequently. Just because you had the best rates for Charger insurance two years ago you may be paying too much now. There is a lot of bad advice regarding insurance coverage on the internet, so we’re going to give you some great ways to find affordable insurance coverage.

Insurance Prices Online

When shopping for insurance there are multiple ways to compare rate quotes from local insurance companies. The recommended way to find the cheapest 2010 Dodge Charger insurance rates is to get quotes online. This can be accomplished in several different ways.

  • One of the best ways consumers can make multiple comparisons would be an industry-wide quote request form click here to open form in new window. This form prevents you from having to do separate quotes to each individual insurance company. A single form will return quotes from multiple low-cost companies.
  • A more difficult way to get comparison quotes requires a visit to the website for each individual company and complete a new quote form. For instance, we’ll assume you want rates from Nationwide, Progressive and GMAC. To get each rate you have to take the time to go to each site and enter your policy data, which is why the first method is more popular. For a list of links to companies insuring cars in your area, click here.

It doesn’t matter which method you choose, just make darn sure you compare apples-to-apples coverages with each company. If you enter higher or lower deductibles you will not be able to make an equal comparison. Having just a slight variation in insurance coverages can result in a big premium difference. Keep in mind that comparing more company’s prices helps you find better pricing.

Don’t be fooled by advertising claims

Insurance companies such as Allstate and Progressive regularly use ads on TV and radio. They all seem to have a common claim that you’ll save big if you move to them. But how can every company claim to save you money?

All the different companies are able to cherry pick for the type of driver that makes them money. For instance, a profitable customer could be between the ages of 30 and 50, insures multiple vehicles, and has excellent credit. A driver who fits that profile will get the preferred rates and most likely will save a lot of money.

Potential insureds who do not match the “perfect” profile will have to pay higher premiums which leads to the customer not buying. The ad wording is “drivers who switch” but not “drivers who get quotes” save that kind of money. That’s why insurance companies can confidently advertise the way they do.

Because of the profiling, you need to compare many company’s rates. It’s not possible to predict the company that will provide you with the cheapest Dodge Charger insurance rates.

How to reduce Dodge Charger insurance rates

Insurance can be prohibitively expensive, but there could be available discounts to help offset the cost. Larger premium reductions will be automatically applied when you complete an application, but some may not be applied and must be requested specifically in order for you to get them.

  • Drivers Ed for Students – Make teen driver coverage more affordable by requiring them to complete a driver education course in high school.
  • Discounts for Safe Drivers – Drivers who don’t get into accidents can get discounts for up to 45% lower rates for Charger insurance than drivers with accidents.
  • Discount for Swiching Early – Some companies give discounts for switching policies before your current policy expires. The savings is around 10%.
  • Sign Online – Some insurance companies may give you up to $50 simply for signing online.
  • Government Employees – Simply working for the federal government can earn a discount up to 10% for Charger insurance with select insurance companies.
  • Military Rewards – Having a family member in the military can result in better rates.

Consumers should know that most discounts do not apply to the entire cost. Some only apply to the cost of specific coverages such as liability and collision coverage. So even though they make it sound like you can get free auto insurance, you won’t be that lucky. But all discounts will bring down your premiums.

To see a list of companies with the best auto insurance discounts, click here to view.

Tailor your coverage to you

When buying the right insurance coverage for your vehicles, there really is not a single plan that fits everyone. Each situation is unique so this has to be addressed. These are some specific questions can aid in determining whether or not you would benefit from an agent’s advice.

  • Is pleasure use cheaper than using my 2010 Dodge Charger to commute?
  • What should my uninsured motorist coverage limits be in my state?
  • What if I owe more than I can insure my car for?
  • Do I have coverage when pulling a U-Haul trailer?
  • What is an SR-22 filing?
  • Do I have any recourse if my insurance company denies a claim?
  • What can I do if my company won’t pay a claim?
  • Am I covered by my spouse’s policy after a separation?

If it’s difficult to answer those questions but one or more may apply to you, you may need to chat with 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

Specifics of your insurance policy

Having a good grasp of insurance can be of help when determining the right coverages at the best deductibles and correct limits. Insurance terms can be confusing and coverage can change by endorsement. Shown next are typical coverage types offered by insurance companies.

Coverage for liability

Liability insurance protects you from damage or injury you incur to other people or property that is your fault. This coverage protects you from claims by other people. It does not cover damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. You might see limits of 50/100/50 that means you have $50,000 bodily injury coverage, $100,000 for the entire accident, and property damage coverage for $50,000. Occasionally you may see one limit called combined single limit (CSL) that pays claims from the same limit rather than limiting it on a per person basis.

Liability can pay for claims like attorney fees, medical services, repair costs for stationary objects and pain and suffering. How much liability should you purchase? That is a decision to put some thought into, but buy as much as you can afford.

Auto collision coverage

Collision coverage will pay to fix damage to your Charger from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible then your collision coverage will kick in.

Collision insurance covers things such as crashing into a ditch, scraping a guard rail and hitting a parking meter. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. You can also bump up the deductible in order to get cheaper collision rates.

Protection from uninsured/underinsured drivers

Your UM/UIM coverage provides protection from other drivers when they either are underinsured or have no liability coverage at all. Covered losses include hospital bills for your injuries as well as your vehicle’s damage.

Since a lot of drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is important protection for you and your family. Most of the time these limits are identical to your policy’s liability coverage.

Comprehensive (Other than Collision)

This coverage will pay to fix damage OTHER than collision with another vehicle or object. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers things like theft, fire damage and a tree branch falling on your vehicle. The highest amount your insurance company will pay is the market value of your vehicle, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Medical expense insurance

Coverage for medical payments and/or PIP reimburse you for short-term medical expenses such as EMT expenses, hospital visits, nursing services and dental work. They can be used in conjunction with a health insurance plan or if there is no health insurance coverage. It covers you and your occupants and will also cover getting struck while a pedestrian. Personal injury protection coverage is not available in all states and may carry a deductible

Take this to the bank

When trying to cut insurance costs, don’t be tempted to sacrifice coverage to reduce premiums. Too many times, consumers will sacrifice liability limits or collision coverage only to find out that their decision to reduce coverage ended up costing them more. Your strategy should be to get the best coverage possible for the lowest price.

Lower-priced 2010 Dodge Charger insurance can be bought online and also from your neighborhood agents, so compare prices from both to have the best selection. Some car insurance companies may not provide online quoting and usually these small, regional companies provide coverage only through local independent agents.

We just showed you a lot of information how to save on insurance. The key thing to remember is the more companies you get rates for, the better likelihood of reducing your rate. You may even discover the biggest savings come from the smaller companies. Regional companies may only write in your state and offer lower rates than the large multi-state companies such as Allstate, GEICO and Progressive.

Additional information is available at the links below