2015 Dodge Charger Insurance Cost – 6 Ways to Save

Want the cheapest car insurance rates for your Dodge Charger? Are you sick and tired of being strong-armed each month for car insurance? You are no different than many other consumers.

There are many insurance companies to pick from, and even though it’s nice to have multiple companies, so many choices can make it hard to get the best deal.

Finding the best rates is quite easy. Basically, every vehicle owner who buys auto insurance will be able to lower their premiums. But drivers can benefit by having an understanding of the methods companies use to price online insurance and use this information to your advantage.

Save big with these six discounts

Auto insurance companies don’t always list every available discount very well, so we researched some of the more common and also the lesser-known discounts you could be receiving.

  • Anti-lock Brakes – Vehicles with anti-lock braking systems are safer to drive and will save you 10% or more.
  • No Charge for an Accident – Some insurance companies will allow you to have one accident without raising rates if your claims history is clear for a set time period.
  • Save with a New Car – Adding a new car to your policy is cheaper since new cars are generally safer.
  • Good Student Discount – Getting good grades can be rewarded with saving of up to 25%. The good student discount can last until age 25.
  • Auto/Life Discount – Larger companies have better rates if you take out life insurance.
  • Discount for Swiching Early – A few companies offer discounts for signing up before your current policy expires. The savings is around 10%.

It’s important to note that most of the big mark downs will not be given to the overall cost of the policy. A few only apply to the cost of specific coverages such as medical payments or collision. Even though it may seem like all the discounts add up to a free policy, insurance companies aren’t that generous.

To see a list of insurers with the best insurance discounts, follow this link.

But I don’t know anything about car insurance

When it comes to choosing proper insurance coverage for your vehicles, there isn’t really a cookie cutter policy. Everyone’s needs are different and your policy should reflect that. These are some specific questions might point out whether or not you might need professional guidance.

  • Am I missing any policy discounts?
  • How do I insure my teen driver?
  • Will my rates increase for filing one claim?
  • Does insurance cover tools stolen from my truck?
  • Should I buy full coverage?
  • Why do I only qualify for high-risk insurance?
  • Is business equipment covered while in my vehicle?

If you don’t know the answers to these questions but you know they apply to you, you might consider talking to a licensed agent. If you don’t have a local agent, simply complete this short form or you can also visit this page to select a carrier

Learn about insurance coverages for a Dodge Charger

Knowing the specifics of a insurance policy aids in choosing the best coverages for your vehicles. The terms used in a policy can be confusing and coverage can change by endorsement. Shown next are typical coverages offered by insurance companies.

Collision coverage – Collision coverage pays for damage to your Charger caused by collision with another car or object. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers things like crashing into a building, rolling your car and sustaining damage from a pot hole. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are older. You can also bump up the deductible to get cheaper collision coverage.

Uninsured or underinsured coverage – Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other motorists when they either have no liability insurance or not enough. It can pay for medical payments for you and your occupants and also any damage incurred to your 2015 Dodge Charger.

Since a lot of drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is important protection for you and your family.

Comprehensive protection – Comprehensive insurance coverage pays for damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for claims like hitting a deer, rock chips in glass, damage from flooding and hitting a bird. The maximum amount you can receive from a comprehensive claim is the actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.

Auto liability insurance – This protects you from injuries or damage you cause to people or other property. 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 liability limits of 25/50/25 that means you have $25,000 bodily injury coverage, $50,000 for the entire accident, and a total limit of $25,000 for damage to vehicles and property.

Liability coverage protects against claims such as legal defense fees, court costs and loss of income. The amount of liability coverage you purchase is your choice, but you should buy as much as you can afford.

Medical expense coverage – Medical payments and Personal Injury Protection insurance reimburse you for short-term medical expenses such as pain medications, prosthetic devices and chiropractic care. They can be used in conjunction with a health insurance plan or if you do not have health coverage. It covers all vehicle occupants and also covers any family member struck as a pedestrian. Personal injury protection coverage is not available in all states and may carry a deductible

Compare but don’t skimp

Cost effective 2015 Dodge Charger insurance can be sourced from both online companies and with local insurance agents, and you need to price shop both to get a complete price analysis. Some companies do not offer you the ability to get quotes online and usually these small insurance companies provide coverage only through local independent agents.

You just learned a lot of techniques to shop for insurance online. The key thing to remember is the more companies you get rates for, the better chance you’ll have of finding lower rates. You may be surprised to find that the biggest savings come from some of the smallest insurance companies. Regional companies often have lower prices on specific markets compared to the large companies like Progressive and GEICO.

Additional insurance coverage information can be found at the links below