Cheap 2007 Dodge Charger Car Insurance Cost

Want lower insurance rates for your Dodge Charger? Trying to find low-cost insurance for a Dodge Charger could be a painful process, but you can use a few tricks to make it easier. There is a better way to buy insurance and you need to know the best way to compare rates for a new or used Dodge and get the cheapest rates from local insurance agents and online providers.

It’s important to price shop coverage every six months because insurance prices are rarely the same from one policy term to another. Just because you had the best rates for Charger coverage six months ago other companies may now be cheaper. Ignore everything you know about insurance because we’re going to show you the tricks you need to know to save on insurance.

Why you might pay inflated rates

A large part of saving on insurance coverage is knowing a few of the rating criteria that aid in calculating the level of your policy premiums. If you have a feel for what positively or negatively impacts your premiums, this allows you to make good choices that will entitle you to lower premium levels.

The list below includes some of the most common factors used by companies to determine your prices.

  • Rural vs Urban Areas – Living in less populated areas of the country is a positive aspect when shopping for auto insurance. Residents of big cities regularly have traffic congestion and higher rates of accident claims. Lower population means less chance of accidents in addition to fewer liability claims.
  • Your job can affect rates – Occupations like real estate brokers, architects and miners usually pay higher average rates due to intense work situations and lengthy work days. Other professions such as actors, athletes and homemakers have the lowest average rates for Charger coverage.
  • Do you need those incidental coverages? – There are quite a few add-on coverages that you can buy but may not be useful. Insurance for things like roadside assistance, towing, and Farm Bureau memberships may be costing you every month. They may sound like good ideas when discussing your needs, but if they’re wasting money remove them from your policy.
  • Don’t skimp on liability protection – The liability coverage on your policy will protect you if ever you are found liable for personal injury or accident damage. This coverage provides for a legal defense to attempt to prove you were not liable. This coverage is relatively inexpensive when compared with rates for comp and collision, so do not cut corners here.
  • Increase physical damage deductibles to save – The deductibles you choose tell how much you are required to spend before your insurance coverage pays a claim. Physical damage protection, otherwise known as comp (or other than collision) and collision, covers damage that occurs to your car. Some instances where coverage would apply would be collision with another vehicle, fire damage, or theft of your vehicle. The higher the amount the insured is willing to pay, the better rate you will receive for Charger coverage.
  • Lower premiums for cars with good safety ratings – Vehicles that have high safety ratings tend to have lower insurance rates. Safer cars result in less severe injuries and lower rates of occupant injuries translates directly to fewer claims which can mean better rates for you. If the Dodge Charger is rated at a minimum four stars on Safercar.gov it may be receiving lower rates.
  • Men pay more for insurance – Statistics show that men are more aggressive behind the wheel. Now that doesn’t mean men are WORSE drivers than women. They both have auto accidents in similar numbers, but males have accidents that have higher claims. Men also get ticketed for serious violations like DWI (DUI) or reckless driving. Youthful male drivers generally have the highest accident percentage and therefore pay the highest rates.

How much does auto insurance cost?

Finding a lower price on 2007 Dodge Charger insurance is not rocket science. Just spend a few minutes on the computer comparing rate quotes from online providers. This can easily be done using a couple different methods.

  • If you are pressed for time, the simplest way consumers can make multiple comparisons is to use a rate comparison form click here to open form in new window. This style of form prevents you from having to do separate quotes for every company. In just a few minutes this one form gets you price quotes from auto insurance companies with the best prices. Just one form and you’re done.
  • A more time consuming way to get quotes online requires you to visit the website for each individual company and request a quote. For sake of this example, let’s say you want to compare Farmers, Safeco and GEICO. In order to get each rate, you would have to take the time to go to each site and type in your information over and over, which is why the first method is quicker.

    To view a list of companies in your area, click here.

  • The most difficult method to compare rates is to spend time driving to different agent offices. The ability to quote online makes this process obsolete unless you have a need for the advice and guidance that only an agent can give. Drivers can compare online quotes but have your policy serviced through an agent.

It doesn’t matter which method you choose, just do your best to use exactly the same deductibles and coverage limits with every price quote. If each company quotes unequal deductibles or liability limits it will be nearly impossible to truly determine the lowest rate.

Save a ton with discounts

Companies that sell car insurance don’t always advertise their entire list of discounts in a way that’s easy to find, so we break down both the well known in addition to some of the lesser obvious credits that may apply to you.

  • Fewer Miles Equal More Savings – Driving fewer miles could earn lower rates due to less chance of an accident.
  • Service Members Pay Less – Having an actively deployed family member may lower your rates slightly.
  • Switch and Save Discount – Some car insurance companies reward drivers for signing up before your current expiration date. Ten percent is about the average savings.
  • Auto/Home Discount – If you can bundle your auto and home insurance with one company you may save up to 20% off your total premium.
  • Discounts for Seat Belt Usage – Drivers who require all occupants to buckle their seat belts may be able to save a few bucks off the personal injury premium cost.
  • One Accident Forgiven – Not necessarily a discount, but some insurance companies will turn a blind eye to one accident before raising your premiums if you are claim-free before the accident.
  • E-sign Discounts – A few companies provide a small discount get insurance coverage on your computer.
  • Mature Driver Discount – If you qualify as a senior citizen, you may receive reduced rates for Charger coverage.
  • Driver’s Ed – Reduce the cost of insurance for teen drivers by having them sucessfully take a drivers education course in school.
  • ABS and Traction Control Discounts – Vehicles equipped with ABS or steering control can stop better under adverse conditions and therefore earn up to a 10% discount.

Drivers should understand that many deductions do not apply to the entire policy premium. Most only reduce specific coverage prices like medical payments or collision. Even though it may seem like you could get a free car insurance policy, car insurance companies aren’t that generous.

Large car insurance companies and their offered discounts can be read below.

  • GEICO has discounts for defensive driver, anti-lock brakes, driver training, federal employee, good student, emergency military deployment, and air bags.
  • MetLife may include discounts for good student, defensive driver, accident-free, good driver, and claim-free.
  • Progressive includes discounts for online signing, homeowner, multi-vehicle, multi-policy, continuous coverage, online quote discount, and good student.
  • Travelers may have discounts that include hybrid/electric vehicle, IntelliDrive, save driver, new car, and good student.
  • SAFECO offers discounts including homeowner, accident prevention training, multi-car, safe driver, teen safety rewards, and drive less.
  • AAA may offer discounts for education and occupation, pay-in-full, multi-car, good student, multi-policy, and anti-theft.

When getting a coverage quote, ask every prospective company which discounts can lower your rates. Discounts might not be available to policyholders in your area.

What is the best insurance coverage?

When it comes to choosing adequate coverage for your vehicles, there really is no best way to insure your cars. Each situation is unique.

These are some specific questions may help highlight if you will benefit from professional help.

  • When should I remove comp and collision on my 2007 Dodge Charger?
  • Do I need PIP coverage since I have good health insurance?
  • Am I covered when using my vehicle for business?
  • Are my friends covered when driving my car?
  • Can I afford to pay high deductible claims out of pocket?
  • When should I buy a commercial auto policy?
  • Is my custom paint covered by insurance?
  • How high should my medical payments coverage be?
  • Does coverage extend to a rental car in a foreign country?

If you don’t know the answers to these questions but you think they might apply to your situation, you might consider talking to a licensed agent. If you don’t have a local agent, simply complete this short form. It is quick, free and may give you better protection.

Auto insurance policy coverages for a 2007 Dodge Charger

Knowing the specifics of auto insurance can be of help when determining the best coverages for your vehicles. Policy terminology can be difficult to understand and reading a policy is terribly boring.

Medical expense coverage

Med pay and PIP coverage provide coverage for expenses for X-ray expenses, doctor visits and pain medications. They can be utilized in addition to your health insurance program or if you lack health insurance entirely. Coverage applies to not only the driver but also the vehicle occupants and will also cover being hit by a car walking across the street. Personal Injury Protection is not available in all states but it provides additional coverages not offered by medical payments coverage

Comprehensive protection

This pays for damage that is not covered by collision coverage. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against things like damage from a tornado or hurricane, a tree branch falling on your vehicle, vandalism, theft and hitting a bird. The maximum amount you’ll receive from a claim is the market value of your vehicle, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Liability coverages

Liability coverage can cover injuries or damage you cause to other’s property or people that is your fault. It protects you against other people’s claims, and doesn’t cover damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. You might see liability limits of 50/100/50 which means a $50,000 limit per person for injuries, a total of $100,000 of bodily injury coverage per accident, and property damage coverage for $50,000.

Liability coverage protects against things such as medical services, bail bonds and pain and suffering. How much liability coverage do you need? That is up to you, but buy higher limits if possible.

Uninsured or underinsured coverage

This protects you and your vehicle from other drivers when they either have no liability insurance or not enough. Covered losses include injuries sustained by your vehicle’s occupants as well as damage to your Dodge Charger.

Because many people carry very low liability coverage limits, their limits can quickly be used up. So UM/UIM coverage should not be overlooked.

Auto collision coverage

This coverage covers damage to your Charger resulting from a collision with another vehicle or an object, but not an animal. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers things such as crashing into a building, crashing into a ditch, colliding with a tree, backing into a parked car and rolling your car. Collision is rather expensive coverage, so consider removing coverage from lower value vehicles. Another option is to bump up the deductible to save money on collision insurance.

Quote often and quote early

Cheaper 2007 Dodge Charger insurance is available online in addition to local insurance agencies, and you need to price shop both so you have a total pricing picture. Some companies do not offer price quotes online and many times these small insurance companies sell through local independent agencies.

You just learned some good ideas how to compare 2007 Dodge Charger insurance car insurance rates online. The key thing to remember is the more providers you compare, the higher the chance of saving money. You may even discover the most savings is with some of the lesser-known companies.

Drivers switch companies for many reasons like questionable increases in premium, delays in responding to claim requests, poor customer service or even high rates after DUI convictions. No matter why you want to switch, finding a new insurance coverage company is not as hard as you think.

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