2017 Dodge Charger Insurance Quotes

Buying the cheapest car insurance on the internet can be difficult for drivers not familiar with comparing rates on the internet. With such a large number of online companies available, how are we expected to even start to compare all the different companies and get the best available rates?

If you currently have a car insurance policy, you will be able to lower your premiums substantially using this strategy. Finding affordable protection is simple if you know the tricks. Although vehicle owners do need to understand the way insurance companies compete online.

Insurance rates are influenced by these factors

Part of the auto insurance buying process is learning a few of the rating criteria that play a part in calculating your premiums. If you understand what controls the rates you pay, this allows you to make good choices that may reward you with lower premium levels.

The itemized list below are most of the major factors companies use to determine your prices.

  • What’s your car’s safety rating? – Safer cars get lower rates. Safe vehicles help reduce the chance of injuries in an accident and better occupant protection means less claims paid and thus lower rates. If your Dodge earned at least four stars on Safercar.gov you may pay a lower rate.
  • Low credit score equals high prices – Credit score can be a huge factor in calculating your auto insurance rates. If your credit is lower than you’d like, you could pay less to insure your 2017 Dodge Charger if you clean up your credit. Consumers who have very good credit scores tend to be better risks to insure as compared to drivers with poor credit.
  • Marriage brings a discount – Having a significant other may save some money on your auto insurance bill. Having a significant other usually means you are more mature than a single person and statistics prove married couples file fewer claims.
  • Older drivers save more – Teen drivers tend to be inattentive and easily distracted when driving with friends so they pay higher auto insurance rates. Older people are more cautious drivers, are lower risk to insure and are safer drivers.
  • Extra coverages that aren’t used – There are a ton of additional coverages that may not really be needed if you aren’t diligent. Coverages like personal injury protection, accidental death, and motor club memberships could be just wasting money. These coverages may sound good at first, but if they’re wasting money get rid of them and save.
  • File a claims and pay more – If you file a lot of claims you can expect increased rates or even have your policy non-renewed. Auto insurance companies award lower rates to drivers who do not rely on their insurance for small claims. Your insurance policy is intended for more catestrophic claims.
  • Raising coverage deductibles saves money – Physical damage protection, also called comprehensive and collision insurance, covers damage that occurs to your Dodge. Examples of covered claims are running into the backend of another car, damage from fire, and damage caused by flying debris. The deductibles are how much you are willing to pay out-of-pocket before a claim is paid by your company. The more you choose to pay out-of-pocket, the bigger discount you will receive for Charger coverage.
  • Liability protection risk factors in – The liability coverage on your policy will protect you if a jury decides you are liable for causing damage or personal injury in an accident. Your policy’s liability insurance provides legal defense coverage which can cost a lot. Liability insurance is pretty cheap compared to insuring for physical damage coverage, so drivers should carry high limits.

Lower-cost car insurance quotes with discounts

Car insurance can cost a lot, but there could be significant discounts that can dramatically reduce your bill. Larger premium reductions will be automatically applied at quote time, but some need to be inquired about prior to getting the savings. If you do not check that you are getting every discount possible, you could be paying more than you need to.

  • Discount for Home Ownership – Just being a homeowner can save you money because of the fact that having a home shows financial diligence.
  • Safe Drivers – Drivers who don’t get into accidents could pay up to 40% less for Charger coverage as compared to drivers with claims.
  • Memberships – Joining specific professional or occupational memberships or organizations may earn a discount on car insurance.
  • Fewer Miles Equal More Savings – Fewer annual miles on your Dodge could earn substantially lower premium rates.
  • Student Discounts – Performing well in school could provide a savings of up to 20% or more. This discount can apply until age 25.
  • Theft Prevention System – Vehicles equipped with tracking devices and advanced anti-theft systems prevent vehicle theft so companies will give you a small discount.
  • Accident Waiver – This isn’t a discount exactly, but a handful of insurance companies will forgive one accident before your rates go up so long as you are claim-free for a certain period of time.
  • College Student – Older children who are enrolled in a college that is more than 100 miles from home and don’t have a car could qualify for this discount.
  • Renewal Discounts – Some car insurance companies provide a discount for buying a new policy prior to your current policy expiration. This discount can save up to 10%.

Don’t be surprised that most of the big mark downs will not be given to the entire cost. Most only reduce specific coverage prices like collision or personal injury protection. Even though it appears all the discounts add up to a free policy, that’s just not realistic.

To see companies that offer many of these discounts, click here to view.

Tailor your car insurance coverage to you

When it comes to buying proper insurance coverage for your vehicles, there really is no “best” method to buy coverage. Everyone’s situation is a little different.

These are some specific questions might point out whether or not you would benefit from an agent’s advice.

  • Am I insured when driving a different vehicle?
  • What if I owe more than I can insure my car for?
  • Is my Dodge Charger covered if I use it for business?
  • Do I get a pro-rated refund if I cancel my policy early?
  • Do I need motorclub coverage?
  • What vehicles should carry emergency assistance coverage?
  • Who is covered when they drive my 2017 Dodge Charger?
  • Can I pay claims out-of-pocket if I buy high deductibles?
  • Why am I required to buy liability insurance?

If you can’t answer these questions, you might consider talking to a licensed insurance agent. To find an agent in your area, simply complete this short form.

Detailed coverages of your insurance policy

Understanding the coverages of your policy aids in choosing the best coverages and proper limits and deductibles. The coverage terms in a policy can be difficult to understand and even agents have difficulty translating policy wording.

Coverage for uninsured or underinsured drivers

This coverage protects you and your vehicle’s occupants from other motorists when they either are underinsured or have no liability coverage at all. Covered claims include injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Because many people have only the minimum liability required by law, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage should not be overlooked.

Collision coverage

Collision coverage covers damage to your Charger resulting from a collision with another vehicle or an object, but not an animal. A deductible applies and then insurance will cover the remainder.

Collision can pay for claims such as scraping a guard rail, sustaining damage from a pot hole, rolling your car, sideswiping another vehicle and driving through your garage door. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are older. It’s also possible to bump up the deductible to save money on collision insurance.

Coverage for medical expenses

Med pay and PIP coverage provide coverage for immediate expenses for things like funeral costs, ambulance fees, chiropractic care, dental work and rehabilitation expenses. They are utilized in addition to your health insurance policy or if you are not covered by health insurance. Coverage applies to all vehicle occupants and also covers being hit by a car walking across the street. PIP is not available in all states and gives slightly broader coverage than med pay

Auto liability

Liability coverage protects you from damage that occurs to a person or their property that is your fault. It protects YOU from legal claims by others, and doesn’t cover damage sustained by your vehicle in an accident.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. You commonly see limits of 50/100/50 that translate to a limit of $50,000 per injured person, $100,000 for the entire accident, and a limit of $50,000 paid for damaged property.

Liability insurance covers things such as repair bills for other people’s vehicles, pain and suffering, legal defense fees and court costs. The amount of liability coverage you purchase is your choice, but buy higher limits if possible.

Comprehensive insurance

Comprehensive insurance pays to fix your vehicle from damage from a wide range of events other than collision. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive coverage protects against claims such as a tree branch falling on your vehicle, fire damage and hitting a deer. The maximum payout you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

A fool and his money are soon parted

Consumers switch companies for a number of reasons such as policy cancellation, high prices, policy non-renewal and even questionable increases in premium. It doesn’t matter what your reason, choosing a new company is pretty easy and you might even save some money in the process.

In this article, we covered a lot of ways to lower your 2017 Dodge Charger insurance car insurance rates. It’s most important to understand that the more providers you compare, the better your chances of lowering your premium rates. Consumers may even find the lowest priced auto insurance comes from a smaller regional carrier.

As you go through the steps to switch your coverage, it’s not a good idea to reduce coverage to reduce premium. In many instances, an insured cut liability limits or collision coverage to discover at claim time that they should have had better coverage. Your aim should be to buy the best coverage you can find at the best price, not the least amount of coverage.

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