2008 Dodge Charger Car Insurance Rates

Want better car insurance rates for your Dodge Charger? Pricey Dodge Charger insurance can sap your budget and force you to make tough financial choices. Numerous insurers battle for your hard-earned dollar, so it’s not easy to compare every provider to find the absolute best price available.

You need to compare prices at least once a year since insurance prices go up and down regularly. Even if you think you had the lowest rates for Charger insurance at your last renewal there may be better deals available now. You’ll find a ton of advice on car insurance on the internet, but in a few minutes you can learn the easiest ways to lower your car insurance rates.

If you have a policy now or need a new policy, you can follow these tips to shop for the lowest rates while maintaining coverages. Choosing the best insurance company for you is easy if you know what you’re doing. Drivers just need to understand the tricks to shop their coverage around over the internet.

What determines Dodge Charger insurance prices?

Many factors are part of the calculation when you quote your car insurance policy. Some are obvious like a motor vehicle report, but other factors are not as apparent such as your marital status or how financially stable you are.

  • Vehicle theft costs us all – Choosing a vehicle with advanced anti-theft systems can help lower your rates. Systems that thwart theives like OnStar found on GM vehicles, advanced tracking like LoJack, and vehicle immobilization systems all aid in stopping your car from being stolen.
  • An active policy claims history can cost you more – Auto insurance companies generally give the best rates to drivers who do not rely on their insurance for small claims. If you’re an insured who likes to file claims you can expect higher rates. Your insurance policy is meant to be used in the event of claims that pose a financial burden.
  • Good credit means lower rates – Having a bad credit score will be a significant factor in calculating your premium rate. Insureds with high credit ratings tend to file fewer claims as compared to drivers with worse credit. So if your credit rating is lower than you’d like, you could be paying less to insure your 2008 Dodge Charger by improving your credit score.
  • Insurance is expensive for younger drivers – More experienced drivers have been proven to be more responsible, cost insurance companies less in claims and get fewer tickets.Inexperience drivers are known to be more careless with other occupants in the car so insurance rates are higher.

Affordable car insurance

There are several ways to shop for car insurance, but one way is more efficient than others. You could waste a few hours talking to local insurance agents in your area, or you could save time and use online quoting to achieve your goal.

Most car insurance companies belong to a marketplace that allows shoppers to only type in their quote data once, and every company can provide price quotes determined by their information. This system prevents you from having to do quote requests for each company you want a rate for.

To find out how much you can save on car insurance click to open in new window.

One minor caviat to pricing coverage this way is that you can’t choose which providers to receive prices from. If you prefer to choose specific providers to receive pricing from, we have a page of low cost car insurance companies in your area. View list of insurance companies.

It’s up to you how you get prices quotes, just do your best to enter exactly the same information on every quote you get. If you are comparing higher or lower deductibles it will be impossible to decipher which rate is best.

Big brands don’t always mean big savings

Drivers can’t escape the ads for auto insurance savings from companies such as State Farm, GEICO and Progressive. All the companies try to convey promises about how much you will save if you move to their company.

How does every company make almost identical claims? Just pay attention to how they say it.

All the different companies offer their best rates for the driver they prefer to insure. One example of a preferred risk could possibly be over age 30, has a clear driving record, and has excellent credit. A driver who fits that profile will probably get cheap prices and as a result will probably pay quite a bit less when switching companies.

Drivers who fall short of this ideal profile will probably have to pay a higher premium and ends up with the customer not buying. If you pay close attention to the ads, they say “people who switch” not “everyone that quotes” save that much when switching. That’s why insurance companies can claim big savings.

This really illustrates why you should get price quotes at each policy renewal. It is impossible to guess the company that will have better car insurance rates than you’re paying now.

Auto Insurance Discounts

Car insurance companies do not list all possible discounts in an easy-to-find place, so the list below details a few of the more common and the more hidden credits that you can use to lower your rates.

  • Military Discounts – Having a deployed family member could qualify you for better premium rates.
  • Save with a New Car – Buying a new car model can save up to 30% because newer models keep occupants safer.
  • Driver Education Discount – Cut your cost by having your teen driver sucessfully take a drivers education course if it’s offered in school.
  • Discount for Good Grades – Performing well in school can save 20 to 25%. The good student discount can last well after school through age 25.
  • College Student – College-age children living away from home attending college and leave their car at home could get you a discount.

Discounts reduce rates, but you should keep in mind that most of the big mark downs will not be given to the entire cost. Most cut the cost of specific coverages such as liability, collision or medical payments. Even though it may seem like you could get a free auto insurance policy, nobody gets a free ride.

Companies and their possible discounts can be found below.

  • Mercury Insurance may have discounts that include anti-theft, low natural disaster claims, multi-car, type of vehicle, ease of repair, location of vehicle, and annual mileage.
  • Farmers Insurance may include discounts for electronic funds transfer, homeowner, early shopping, youthful driver, bundle discounts, teen driver, and switch companies.
  • Farm Bureau policyholders can earn discounts including 55 and retired, youthful driver, driver training, safe driver, multi-vehicle, and multi-policy.
  • State Farm discounts include Steer Clear safe driver discount, accident-free, good student, defensive driving training, and multiple autos.
  • Allstate includes discounts for anti-lock brakes, good payer, good student, farm vehicle, defensive driver, anti-theft, and senior citizen.
  • GEICO offers premium reductions for defensive driver, anti-theft, anti-lock brakes, air bags, good student, and multi-vehicle.

If you need lower rates, check with every company which discounts you may be entitled to. Some credits may not be offered in your state. To see a list of insurance companies that offer the discounts shown above, follow this link.

Tailor your auto insurance coverage to you

When buying the best auto insurance coverage, there really is no single plan that fits everyone. Each situation is unique so your insurance needs to address that. Here are some questions about coverages that might point out whether or not you might need professional guidance.

  • Do I need added coverage for expensive stereo equipment?
  • What is the ISO rating for a 2008 Dodge Charger?
  • Do I pay less if my vehicle is kept in my garage?
  • How do I file an SR-22 for a DUI in my state?
  • Do all my vehicles need collision coverage?
  • Why am I be forced to buy a membership to get insurance from some companies?
  • Does coverage extend to Mexico or Canada?
  • Is my babysitter covered when using my vehicle?
  • What happens if I owe more than my 2008 Dodge Charger is worth?
  • Is my teenager covered with friends in the car?

If you’re not sure about those questions, then you may want to think about talking to a licensed agent. To find an agent in your area, complete this form or you can also visit this page to select a carrier It only takes a few minutes and can help protect your family.

Auto insurance coverage breakdown

Understanding the coverages of a auto insurance policy can be of help when determining appropriate coverage and the correct deductibles and limits. Policy terminology can be difficult to understand and reading a policy is terribly boring. Listed below are the normal coverages offered by auto insurance companies.

Uninsured/Underinsured Motorist coverage – This coverage gives you protection when other motorists do not carry enough liability coverage. This coverage pays for hospital bills for your injuries as well as damage to your 2008 Dodge Charger.

Because many people have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family. Usually the UM/UIM limits are set the same as your liablity limits.

Liability – Liability coverage protects you from damage or injury you incur to a person or their property. It protects YOU from claims by other people, and does not provide coverage for your injuries or vehicle damage.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You commonly see policy limits of 50/100/50 that translate to $50,000 in coverage for each person’s injuries, $100,000 for the entire accident, and property damage coverage for $50,000. Another option is one limit called combined single limit (CSL) that pays claims from the same limit with no separate limits for injury or property damage.

Liability coverage protects against claims like repair costs for stationary objects, structural damage, attorney fees, repair bills for other people’s vehicles and legal defense fees. How much liability should you purchase? That is a decision to put some thought into, but it’s cheap coverage so purchase as much as you can afford.

Medical payments coverage and PIP – Med pay and PIP coverage pay for short-term medical expenses such as doctor visits, chiropractic care, hospital visits and EMT expenses. They can be utilized in addition to your health insurance program or if there is no health insurance coverage. It covers not only the driver but also the vehicle occupants in addition to if you are hit as a while walking down the street. Personal injury protection coverage is not an option in every state and gives slightly broader coverage than med pay

Collision – Collision insurance covers damage to your Charger resulting from colliding with a stationary object or other vehicle. You have to pay a deductible and then insurance will cover the remainder.

Collision insurance covers claims such as scraping a guard rail, rolling your car and hitting a mailbox. This coverage can be expensive, so analyze the benefit of dropping coverage from older vehicles. It’s also possible to choose a higher deductible in order to get cheaper collision rates.

Comprehensive coverage – Comprehensive insurance coverage 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 can pay for things like theft, damage from a tornado or hurricane, vandalism and rock chips in glass. The most a auto insurance company will pay at claim time is the actual cash value, so if the vehicle is not worth much consider dropping full coverage.

Shop smart and save

When trying to cut insurance costs, do not reduce needed coverages to save money. In many instances, an insured cut full coverage only to regret that it was a big error on their part. The goal is to buy enough coverage at an affordable rate but still have enough coverage for asset protection.

We covered many ways to shop for 2008 Dodge Charger insurance online. It’s most important to understand that the more times you quote, the better likelihood of getting cheap insurance coverage. You may even find the most savings is with an unexpected company. These smaller insurers may only write in your state and offer lower prices than their larger competitors like State Farm and Allstate.

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