Cheap 2014 Dodge Charger Insurance Quotes

Purchasing affordable auto insurance on the internet is impossible for beginners to comparison shopping online. When there are so many companies in the marketplace, how can drivers possibly compare the different rates to find the best available price?

It’s a good idea to take a look at other company’s rates occasionally since insurance rates are constantly changing. Despite the fact that you may have had the lowest price for Charger insurance a year ago you will most likely find a better rate today. You’ll find quite a bit of inaccurate information about auto insurance on the web, but we’re going to give you some great ways to quit paying high auto insurance rates.

Discounts are basically free money

Companies that sell car insurance do not list every discount very well, so we researched both the well known as well as the least known ways to save on insurance coverage.

  • Save over 55 – If you’re over the age of 55, you may be able to get better insurance coverage rates for Charger insurance.
  • Paperless Signup – Some insurance companies will give a small break for buying your policy over the internet.
  • Drivers Education – Make teen driver coverage more affordable by requiring them to take driver’s ed class if it’s offered in school.
  • Distant Student – Any of your kids living away from home attending college without a vehicle on campus may qualify for this discount.
  • Discount for Life Insurance – Some companies give lower rates if you buy a life insurance policy as well.
  • Service Members Pay Less – Being deployed with a military unit can result in better rates.
  • Save with a New Car – Putting insurance coverage on a new car can cost up to 25% less due to better safety requirements for new cars.
  • Multiple Vehicles – Having multiple vehicles on the same insurance coverage policy could earn a price break for each car.
  • Defensive Driving Course – Successfully completing a defensive driving course could cut 5% off your bill if your company offers it.
  • Accident Free – Claim-free drivers pay much less as compared to frequent claim filers.

A little note about advertised discounts, many deductions do not apply to the entire policy premium. Most only apply to specific coverage prices like collision or personal injury protection. So even though it sounds like it’s possible to get free car insurance, you won’t be that lucky.

To see a list of providers who offer insurance coverage discounts, follow this link.

Fast and Easy Insurance Quotes

Most companies such as State Farm, Allstate and GEICO provide insurance quotes directly from their websites. Obtaining pricing is pretty easy as you simply enter your required coverages into a form. When complete, the company’s rating system makes automated requests for reports for credit and driving violations and returns a price based on many factors.

Being able to quote online helps simplify price comparisons, but the process of having to visit a lot of sites and enter the same data into a form gets old quite quickly. Unfortunately, it is important to get many rate quotes in order to get a lower rate.

Isn’t there an easier way to compare rates?

A more efficient way to lower your insurance bill utilizes a single form to get prices from many companies. It’s a real time-saver, helps eliminate reptitive entry, and makes price shopping online a little more enjoyable. After sending the form, it is quoted and you can choose any one of the price quotes you receive. If one or more price quotes are lower than your current rates, you can click and sign and buy the new coverage. The entire process just takes a couple of minutes and you will know how your current rates stack up.

To find out if lower rates are available, click here and submit your coverage information. If you have your current policy handy, we recommend you input the coverages just like they are on your policy. This ensures you’re receiving a rate comparison based on similar coverages.

Dodge Charger rate determination is complex

Smart consumers have a good feel for the different types of things that come into play when calculating your car insurance rates. When you know what positively or negatively controls the rates you pay empowers consumers to make smart changes that can help you get big savings.

  • Frequent car insurance claims increase rates – Auto insurance companies provide better rates to people who do not file claims often. If you frequently file small claims, you can pretty much guarantee either a policy non-renewal or much higher rates. Car insurance is designed for the bigger claims that can’t be paid out-of-pocket.
  • Credit scores impact car insurance rates – Having a bad credit score is a huge factor in determining what you pay for car insurance. If your credit rating is lower than you’d like, you could be paying less to insure your 2014 Dodge Charger by improving your credit score. Drivers who have high credit ratings tend to be better drivers and file fewer claims as compared to drivers with poor credit.
  • One company can mean more discounts – Most insurance companies provide better rates to customers who carry more than one policy. It’s known as a multi-policy discount. This can amount to 10 percent or more. Even though this discount sounds good, it’s in your best interest to shop around to confirm you are receiving the best rates possible.
  • Where you live – Living in less populated areas can be a good thing when talking about car insurance. Urban drivers regularly have much more traffic and longer commute times. Fewer drivers means reduced accidents as well as less vandalism and auto theft.
  • Safe vehicles cost less to insure – Safer cars are cheaper to insure. These vehicles reduce injuries and fewer injuries translates into savings for insurance companies and more competitive rates for policyholders. If the Dodge Charger has ratings of a minimum an “acceptable” rating on the Insurance Institute for Highway Safety website it is probably cheaper to insure.
  • Lower miles equals lower premium – The more you drive each year the more you will pay for car insurance. Most companies apply a rate based upon how you use the vehicle. Autos left parked in the garage qualify for better rates compared to those used for work or business. Having the wrong rating on your Charger can cost quite a bit. Make sure your car insurance policy properly reflects the correct driver usage.
  • Don’t cancel a policy without a new one in place – Allowing your coverage to lapse is a sure-fire way to increase your car insurance rates. And not only will insurance be more expensive, getting caught without coverage can result in a steep fine or even jail time.
  • Save money with special equipment – Owning a car with a theft deterrent system can help bring down rates. Anti-theft devices like vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems can help prevent your vehicle from being stolen.

Which insurance is the “right” coverage?

When buying proper insurance coverage for your personal vehicles, there isn’t really a cookie cutter policy. Each situation is unique.

For example, these questions can aid in determining if your situation might need an agent’s assistance.

  • What can I do if my company won’t pay a claim?
  • Am I covered if I hit my neighbor’s mailbox?
  • Should I rate my 2014 Dodge Charger as pleasure use or commute?
  • Is my dog or cat covered if injured in an accident?
  • Do I need medical payments coverage since I have good health insurance?
  • What is PIP insurance?
  • When do I need to add a new car to my policy?
  • Do all my vehicles need collision coverage?
  • Does liability extend to a camper or trailer?
  • What happens if I owe more than my 2014 Dodge Charger is worth?

If you’re not sure about those questions but a few of them apply then you might want to talk to a licensed insurance agent. To find an agent in your area, simply complete this short form.

Insurance myths debunked

Insurance providers like State Farm, Allstate and GEICO constantly bombard you with ads in print and on television. They all make an identical promise of big savings if you switch your coverage to them. How do they all make almost identical claims?

Different companies are able to cherry pick for the type of driver they prefer to insure. For instance, a preferred risk could be between 25 and 40, a clean driving record, and has excellent credit. A customer getting a price quote who matches those parameters will get very good rates and therefore will save when they switch companies.

Consumers who do not match this ideal profile will be charged higher rates and ends up with business going elsewhere. The ad wording is “customers that switch” not “everybody who quotes” save that much money. That is how companies can claim big savings. That is why drivers must get as many comparisons as possible. It is impossible to predict which insurance company will give you the biggest savings on Dodge Charger insurance.

Specifics of your auto insurance policy

Learning about specific coverages of your policy helps when choosing the right coverages and the correct deductibles and limits. Auto insurance terms can be ambiguous and coverage can change by endorsement.

Coverage for medical expenses – Medical payments and Personal Injury Protection insurance provide coverage for short-term medical expenses for things like hospital visits, rehabilitation expenses, EMT expenses and X-ray expenses. They can be used to cover expenses not covered by your health insurance plan or if you do not have health coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants and will also cover any family member struck as a pedestrian. PIP is not available in all states and may carry a deductible

Comprehensive auto insurance – Comprehensive insurance will pay to fix damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for things such as falling objects, fire damage, hail damage, theft and a tree branch falling on your vehicle. The maximum payout you’ll receive from a claim is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Coverage for uninsured or underinsured drivers – This gives you protection when other motorists either are underinsured or have no liability coverage at all. Covered losses include injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Due to the fact that many drivers only purchase the least amount of liability that is required, their limits can quickly be used up. For this reason, having high UM/UIM coverages is a good idea.

Collision coverage – Collision insurance covers damage to your Charger from colliding with an object or car. A deductible applies then the remaining damage will be paid by your insurance company.

Collision coverage protects against things such as driving through your garage door, hitting a mailbox and hitting a parking meter. This coverage can be expensive, so you might think about dropping it from lower value vehicles. Drivers also have the option to increase the deductible to get cheaper collision coverage.

Liability car insurance – This coverage protects you from damage that occurs to a person or their property that is your fault. It protects you from claims by other people, and does not provide coverage for your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show values of 25/50/25 that translate to a $25,000 limit per person for injuries, $50,000 for the entire accident, and $25,000 of coverage for damaged propery.

Liability coverage protects against things like repair bills for other people’s vehicles, structural damage, pain and suffering and repair costs for stationary objects. The amount of liability coverage you purchase is a personal decision, but you should buy higher limits if possible.

Pennies from heaven

When shopping online for insurance coverage, you should never buy poor coverage just to save money. Too many times, consumers will sacrifice liability limits or collision coverage and discovered at claim time that it was a big mistake. Your focus should be to purchase plenty of coverage for the lowest price while still protecting your assets.

We just presented quite a bit of information on how to compare 2014 Dodge Charger insurance prices online. The most important thing to understand is the more companies you get rates for, the better chance you’ll have of finding lower rates. Drivers may discover the most savings is with the least-expected company.

Drivers change insurance companies for many reasons like high prices, delays in paying claims, questionable increases in premium and even being labeled a high risk driver. Regardless of your reason for switching companies, finding the right insurance coverage provider is easier than you think.

Additional insurance coverage information is located at the links below