Compare 2009 Dodge Charger Insurance Rates

Trying to find the cheapest car insurance rates for your Dodge Charger? Paying more affordable premium rates for Driverscar insurance is slightly frustrating for beginners to online insurance quotes. There are so many different companies and agents to choose from that it can easily be a real hassle to locate the lowest price.

It’s a good idea to take a look at other company’s rates quite often because car insurance prices go up and down regularly. Even if you got the best rates on Charger insurance six months ago the chances are good that you can find a lower rate quote today. Block out anything you think you know about car insurance because you’re going to learn one of the quickest ways to lower your annual insurance bill.

Insurance rates are influenced by these factors

A large part of saving on car insurance is knowing some of the factors that aid in calculating car insurance rates. When you understand what controls the rates you pay, this enables you to make decisions that will entitle you to much lower annual insurance costs. Lots of things are part of the equation when you quote your car insurance policy. Some of the criteria are obvious such as your driving history, but other criteria are not as apparent such as your credit history or your financial responsibility.

  • Location can affect price – Living in less populated areas can be a good thing when buying car insurance. Drivers who live in large cities tend to have more road rage incidents and a longer drive to work. Fewer people means less chance of accidents and a lower car theft rate.
  • Vehicle options can affect rates – Owning a car that has an advanced theft prevention system can save you some money. Theft prevention devices such as LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system can help prevent vehicle theft.
  • Tickets can increase costs – Getting just one citation can increase rates by as much as thirty percent. Drivers with clean records pay less for auto insurance than people who have multiple driving citations. Drivers who get dangerous citations such as DUI, reckless driving or excessive speeding are required to maintain a SR-22 with their state’s department of motor vehicles in order to legally drive.
  • You might want pay the minor car insurance claims yourself – If you are a frequent claim filer, don’t be surprised to see either a policy non-renewal or much higher rates. Auto insurance companies generally give most affordable rates to drivers who do not file claims often. Your insurance policy is designed for claims that you cannot pay yourself.
  • Prices for guys may be higher – The statistics show women tend to be less risk to insure than men. It does not mean men are worse drivers. Women and men are in auto accidents at a similar rate, but males tend to have higher claims. Men also tend to have more aggressive citations such as DWI and reckless driving. Teenage male drivers generally have the highest accident percentage so it costs more to insure them.

Get lower rates with these insurance discounts

Insurance can cost an arm and a leg, but you may qualify for discounts to reduce the price significantly. Some of these disounts will be visible at the time you complete a quote, but a few need to be specifically requested before you get the savings.

  • Discounts for Seat Belt Usage – Drivers who always wear seat belts and also require passengers to buckle up before driving can save 10% or more off the personal injury premium cost.
  • Accident Waiver – This one is not really a discount per se, but companies like Liberty Mutual, Allstate and State Farm may permit one accident without getting socked with a rate hike so long as you haven’t had any claims for a particular time prior to the accident.
  • Memberships – Belonging to qualifying clubs or civic groups could trigger savings on your policy.
  • Cautious Driver Discount – Drivers who don’t get into accidents may receive a discount up to 45% on Charger insurance as compared to drivers with claims.
  • Policy Bundle Discount – When you have multiple policies with one company you could earn a discount of nearly 15% which can help you find the cheapest insurance coverage.
  • Senior Citizens – Mature drivers may be able to get a slight reduction on a insurance coverage quote on Charger insurance.
  • Include Life Insurance and Save – Insurance carriers who offer life insurance give better premium rates if you take out life insurance.
  • Lower Rates for Military – Having an actively deployed family member can result in better premium rates.
  • Low Miles Discount – Fewer annual miles on your Dodge could qualify for cheaper premium rates.
  • Driver’s Education for Students – It’s a good idea to have your young drivers take driver’s ed class as it will make them better drivers and lower rates.

A little disclaimer on discounts, most of the big mark downs will not be given to all coverage premiums. Most only reduce individual premiums such as comprehensive or collision. Even though it appears having all the discounts means you get insurance for free, that’s just not realistic.

A few of the larger companies and a selection of discounts can be found below.

  • Travelers has discounts for good student, multi-policy, save driver, driver training, and home ownership.
  • 21st Century may have discounts that include air bags, anti-lock brakes, teen driver, early bird, and theft prevention.
  • State Farm may include discounts for Drive Safe & Save, good driver, defensive driving training, driver’s education, and anti-theft.
  • GEICO discounts include membership and employees, multi-vehicle, emergency military deployment, anti-lock brakes, federal employee, air bags, and military active duty.
  • SAFECO offers premium reductions for multi-car, homeowner, teen safe driver, anti-lock brakes, accident prevention training, and bundle discounts.
  • AAA offers discounts for multi-car, education and occupation, anti-theft, AAA membership discount, good student, good driver, and pay-in-full.

When quoting, ask each company or agent how you can save money. Depending on the company, some discounts may not be available in your area. To choose insurance companies who offer free insurance quotes, follow this link.

Auto insurance savings promises

State Farm, GEICO and Progressive constantly bombard you with ads on TV and radio. All the companies say the same thing about how much you will save if you switch your auto insurance coverage to their company. How do they all say the same thing? It’s all in the numbers.

Insurance companies have specific criteria for the driver that will generate a profit. For instance, a preferred risk should be over the age of 50, carries full coverage, and drives less than 7,500 miles a year. Any person who matches that profile will get the preferred rates and will most likely save quite a bit of money when switching.

Potential insureds who don’t measure up to the requirements will get a more expensive rate which translates to the customer buying from someone else. If you listen closely, the ads state “drivers who switch” but not “everyone who gets a quote” can get the lowest rates when switching. This is how companies can make claims like that. Each company has different criteria, so you really should get a wide range of price quotes. Because you cannot predict with any certainty which company will provide you with the cheapest rates.

Insurance can get complicated

When it comes to choosing the best insurance coverage, there really is not a “best” method to buy coverage. Everyone’s situation is a little different.

For instance, these questions can help discover if your situation might need professional guidance.

  • Do all my vehicles need collision coverage?
  • Why is insurance for a teen driver so high?
  • I have good health insurance, so how much medical payments coverage do I need?
  • What is no-fault insurance?
  • Are split liability limits better than a combined single limit?
  • Am I getting all the discounts available?
  • Should I drop comprehensive coverage on older vehicles?

If you’re not sure about those questions, then you may want to think about talking to an agent. If you want to speak to an agent in your area, complete this form.

Car insurance 101

Having a good grasp of your insurance policy can help you determine which coverages you need and proper limits and deductibles. The coverage terms in a policy can be ambiguous and reading a policy is terribly boring.

Medical payments coverage and PIP

Medical payments and Personal Injury Protection insurance kick in for immediate expenses for things like chiropractic care, surgery, prosthetic devices and pain medications. They are used in conjunction with a health insurance plan or if you are not covered by health insurance. Medical payments and PIP cover both the driver and occupants in addition to getting struck while a pedestrian. PIP coverage is not an option in every state but can be used in place of medical payments coverage

Uninsured/Underinsured Motorist coverage

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

Since a lot of drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage should not be overlooked.

Liability car insurance

This protects you from injuries or damage you cause to other people or property. This insurance protects YOU from claims by other people. Liability doesn’t cover your injuries or vehicle damage.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have liability limits of 50/100/50 that translate to $50,000 bodily injury coverage, a per accident bodily injury limit of $100,000, and $50,000 of coverage for damaged propery.

Liability insurance covers claims like structural damage, medical expenses, court costs and bail bonds. How much liability coverage do you need? That is a decision to put some thought into, but you should buy as much as you can afford.

Comprehensive coverage

This pays to fix your vehicle from damage OTHER than collision with another vehicle or object. A deductible will apply then your comprehensive coverage will pay.

Comprehensive insurance covers things like hitting a deer, fire damage and falling objects. The maximum payout a insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle’s value is low consider dropping full coverage.

Collision coverage protection

Collision insurance will pay to fix damage to your Charger resulting from colliding with another car or object. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for things such as sustaining damage from a pot hole, colliding with another moving vehicle, hitting a parking meter, hitting a mailbox and crashing into a building. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are older. You can also choose a higher deductible to get cheaper collision coverage.

Feed the piggy bank

More affordable insurance coverage can be sourced online in addition to local insurance agencies, so you need to shop insurance coverage with both in order to have the best chance of saving money. Some insurance providers do not offer internet price quotes and usually these regional insurance providers work with independent agents.

Consumers switch companies for a variety of reasons including an unsatisfactory settlement offer, high prices, lack of trust in their agent or being labeled a high risk driver. No matter why you want to switch, choosing a new insurance company can be easier than you think.

Throughout this article, we presented quite a bit of information on how to lower your 2009 Dodge Charger insurance rates. It’s most important to understand that the more providers you compare, the better likelihood of getting the cheapest insurance coverage. Consumers may even find the best price on insurance coverage is with a small local company.

More tips and info about insurance coverage is located in the articles below: