Lower Your 2018 Dodge Charger Insurance Rates

Scraping up a payment for pricey Dodge Charger insurance can drain your checking account and maybe even restrict other spending.

Numerous insurance companies battle for your business, so it can be very hard to choose a insurance company to get the best rates possible.

First Step: Get free auto insurance quotes

The are a couple different ways to get quotes from auto insurance companies in your area. One of the best ways to find affordable 2018 Dodge Charger insurance rates is to get quotes online. This is very easy and can be done in just a few minutes using one of these methods.

The simplest way to get the best comparison quotes is a comparison rater form (click to open form in new window). This form keeps you from doing boring form submissions for every company. One form submission will get you price quotes from auto insurance companies with the best prices.

A harder way to obtain and compare quotes online is to take the time to go to the website for each individual company and fill out a new quote form. For examples sake, we’ll assume you want to compare GEICO, Safeco and Farmers. To find out each rate you need to navigate to each company’s site to input your insurance information, which can get old fast. To view a list of companies in your area, click here.

The old school way to comparison shop is driving around to local insurance agencies. The internet reduces the need to sit down with an agent unless you want the peace of mind of a licensed agent. Although you can price shop your coverage online and have a local agent actually service the policy.

Whichever way you choose to compare rates, be sure to compare the exact same coverages with each company. If you use differing limits you will not be able to make a fair comparison for your Dodge Charger. Having just a slight variation in insurance coverages or limits could skew the results. Just remember that comparing more company’s prices helps improve the odds of finding a better price. Some smaller insurers to not give quotes online, so it’s important to compare quotes on coverage from those companies, too.

How much insurance do I need?

When it comes to buying adequate coverage, there really is no perfect coverage plan. Coverage needs to be tailored to your specific needs and a cookie cutter policy won’t apply. For instance, these questions can aid in determining if your situation may require specific advice.

  • Can I rate high risk drivers on liability-only vehicles?
  • Do I need to file an SR-22 for a DUI in my state?
  • Does my policy pay for OEM or aftermarket parts?
  • Should I waive the damage coverage when renting a car?
  • What is the rate difference between pleasure use and commuting?
  • Is other people’s property covered if stolen from my vehicle?
  • Is my nanny covered when driving my vehicle?
  • Does my policy cover me when driving someone else’s vehicle?

If you can’t answer these questions but a few of them apply, you might consider talking to a licensed insurance agent. If you want to speak to an agent in your area, take a second and complete this form or you can go here for a list of companies in your area.

Detailed coverages of your auto insurance policy

Understanding the coverages of a auto insurance policy can help you determine appropriate coverage at the best deductibles and correct limits. Auto insurance terms can be ambiguous and coverage can change by endorsement. Below you’ll find typical coverages found on the average auto insurance policy.

Auto liability insurance – This coverage protects you from damages or injuries you inflict on people or other property. This coverage protects you against other people’s claims. It does not cover your injuries or vehicle damage.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show values of 25/50/25 which means $25,000 bodily injury coverage, a total of $50,000 of bodily injury coverage per accident, and $25,000 of coverage for damaged propery. Some companies may use a combined limit which combines the three limits into one amount with no separate limits for injury or property damage.

Liability insurance covers claims like medical expenses, attorney fees and bail bonds. The amount of liability coverage you purchase is your choice, but it’s cheap coverage so purchase higher limits if possible.

Medical costs insurance – Med pay and PIP coverage provide coverage for expenses such as funeral costs, rehabilitation expenses and surgery. The coverages can be used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. Coverage applies to both the driver and occupants and will also cover any family member struck as a pedestrian. PIP coverage is not available in all states but can be used in place of medical payments coverage

Comprehensive or Other Than Collision – This pays for damage from a wide range of events other than collision. A deductible will apply then your comprehensive coverage will pay.

Comprehensive coverage pays for claims like a tree branch falling on your vehicle, theft and damage from flooding. The maximum payout your auto insurance company will pay is the ACV or actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

UM/UIM Coverage – This coverage gives you protection from other drivers when they either are underinsured or have no liability coverage at all. Covered losses include injuries sustained by your vehicle’s occupants and also any damage incurred to your 2018 Dodge Charger.

Since a lot of drivers only carry the minimum required liability limits, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Usually these coverages are identical to your policy’s liability coverage.

Collision coverages – This coverage covers damage to your Charger resulting from colliding with another vehicle or an object, but not an animal. You first must pay a deductible then your collision coverage will kick in.

Collision coverage pays for claims like sustaining damage from a pot hole, rolling your car, colliding with another moving vehicle, crashing into a building and sideswiping another vehicle. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from older vehicles. You can also bump up the deductible to save money on collision insurance.