2011 Dodge Charger Insurance Rates – 7 Tips for Cheaper Quotes

Using the web to shop for auto insurance might seem complicated at first if you’ve never compared online price comparisons. But don’t be discouraged because online price shopping is actually quite simple.

You should take the time to shop coverage around yearly due to the fact that insurance rates are rarely the same from one policy term to another. Just because you found the best price on Charger insurance a couple years back the chances are good that you can find a lower rate today. Forget all the misinformation about auto insurance because I’m going to let you in on the secrets to the proper way to find the best coverage while lowering your premiums.

Where Can I Get Cheap Insurance?

Comparing insurance rates can be a lot of work if you don’t utilize the best way to get rate quotes. You can waste a few hours (or days) discussing policy coverages with local insurance agents in your area, or you could use the web to get the quickest rates.

Most of the best insurance companies enroll in a system where prospective buyers send in one quote, and each participating company can give them a price for coverage. This prevents consumers from doing quotation requests to every company.

To find out how much you can save on insurance click here (opens in new window).

One minor caviat to doing it this way is you are unable to specify the companies you want pricing from. So if you want to select specific insurance companies to compare rates, we have a listing of low cost insurance companies in your area. Click here to view list.

However you get your quotes, make darn sure you compare exactly the same coverages and limits for each comparison quote. If you enter mixed coverages you will not be able to find the best deal for your Dodge Charger. Having just a slight variation in insurance coverages may result in large price differences. It’s important to know that having more price comparisons will increase your chances of finding the best rates.

Policy discounts you shouldn’t miss

The price of auto insurance can be rather high, but you can get discounts that you may not know about. Some discounts apply automatically when you purchase, but lesser-known reductions have to be inquired about prior to receiving the credit.

  • Seat Belts Save – Buckling up and requiring all passengers to wear their seat belts can save 10% or more off the personal injury premium cost.
  • Discount for Swiching Early – Some insurance companies reward drivers for switching to them prior to your current policy expiring. The savings is around 10%.
  • Good Students Pay Less – A discount for being a good student can save 20 to 25%. The good student discount can last up to age 25.
  • College Student – Any of your kids who are attending college and do not have a car can be insured at a reduced rate.
  • Military Rewards – Having a deployed family member could mean lower rates.
  • Drivers Education – Cut your cost by having your teen driver take driver’s ed class if it’s offered in school.
  • Multi-car Discount – Buying insurance for more than one vehicle on one policy may reduce the rate for each vehicle.

Consumers should know that most credits do not apply to the entire cost. Some only reduce the cost of specific coverages such as comp or med pay. Just because you may think you would end up receiving a 100% discount, companies don’t profit that way. But all discounts will reduce the cost of coverage.

A partial list of companies that may offer these benefits are:

Before buying, ask all companies you are considering which discounts they offer. Savings might not be offered in your area.

Insurance agents can help

When it comes to choosing proper insurance coverage, there really is no cookie cutter policy. Every insured’s situation is different.

For instance, these questions may help you determine whether you could use an agent’s help.

  • Are my friends covered when driving my car?
  • Do I need added coverage for expensive stereo equipment?
  • Is extra glass coverage worth it?
  • What is the rate difference between pleasure use and commuting?
  • When does my teenage driver need to be added to my policy?
  • Am I covered when driving on a suspended license?
  • What is medical payments coverage?
  • Can I afford low physical damage deductibles?
  • How many claims can I have before being cancelled?
  • Is a blown tire covered by insurance?

If it’s difficult to answer those questions but you know they apply to you, then you may want to think about talking to an insurance agent. If you want to speak to an agent in your area, fill out this quick form.

Detailed coverages of your insurance policy

Having a good grasp of your policy helps when choosing the right coverages at the best deductibles and correct limits. Policy terminology can be impossible to understand and even agents have difficulty translating policy wording.

Comprehensive coverages

Comprehensive insurance will pay to fix damage from a wide range of events other than collision. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for claims like fire damage, theft and damage from getting keyed. The maximum payout your insurance company will pay is the market value of your vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.

Uninsured and underinsured coverage

Your UM/UIM coverage protects you and your vehicle’s occupants when other motorists either have no liability insurance or not enough. Covered claims include hospital bills for your injuries and also any damage incurred to your Dodge Charger.

Since many drivers only carry the minimum required liability limits, their limits can quickly be used up. This is the reason having UM/UIM coverage is a good idea. Most of the time the UM/UIM limits do not exceed the liability coverage limits.

Coverage for medical payments

Medical payments and Personal Injury Protection insurance kick in for immediate expenses like prosthetic devices, rehabilitation expenses, X-ray expenses and surgery. The coverages can be utilized in addition to your health insurance program or if you lack health insurance entirely. They cover not only the driver but also the vehicle occupants as well as any family member struck as a pedestrian. PIP coverage is not universally available but can be used in place of medical payments coverage

Collision coverage

Collision insurance pays to fix your vehicle from damage from colliding with a stationary object or other vehicle. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for things such as crashing into a building, colliding with another moving vehicle, colliding with a tree and driving through your garage door. This coverage can be expensive, so analyze the benefit of dropping coverage from lower value vehicles. Another option is to raise the deductible in order to get cheaper collision rates.

Liability auto insurance

This will cover damages or injuries you inflict on other’s property or people by causing an accident. Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. Your policy might show liability limits of 100/300/100 which stand for $100,000 bodily injury coverage, a total of $300,000 of bodily injury coverage per accident, and a total limit of $100,000 for damage to vehicles and property. Another option is one number which is a combined single limit which limits claims to one amount and claims can be made without the split limit restrictions.

Liability coverage protects against things such as medical expenses, court costs, repair costs for stationary objects, loss of income and legal defense fees. How much coverage you buy is a decision to put some thought into, but you should buy as much as you can afford.

Save your hard earned cash

People leave their current company for a number of reasons such as high rates after DUI convictions, lack of trust in their agent, an unsatisfactory settlement offer or even policy non-renewal. It doesn’t matter why you want to switch finding a new insurance company is actually quite simple.

We just covered quite a bit of information on how to shop for 2011 Dodge Charger insurance online. It’s most important to understand that the more rate comparisons you have, the higher the chance of saving money. You may even discover the most savings is with a lesser-known regional company.

Budget-conscious insurance is possible from both online companies and also from your neighborhood agents, and you should be comparing both to have the best selection. Some insurance providers may not provide the ability to get a quote online and many times these regional insurance providers only sell through independent insurance agents.

More detailed insurance information can be found by following these links: