View 2010 Dodge Charger Car Insurance Rates

Expensive Dodge Charger insurance can stress out your monthly budget and force you to make sacrifices. Comparing price quotes is free and is an excellent way to lower your monthly bill.

With so many options, it is hard for the average consumer to pick the most cost effective insurance company.

Lower rate quotes by receiving discounts

Companies offering auto insurance don’t list all their discounts very clearly, so the following list contains both the well known as well as some of the hidden credits that you can use to lower your rates. If you aren’t receiving every discount possible, you are just wasting money.

  • Defensive Driver Discount – Taking time to complete a class that teaches defensive driving techniques could save 5% or more and easily pay for the cost of the class.
  • Service Members Pay Less – Being deployed in the military could be rewarded with lower auto insurance rates.
  • Passenger Safety Discount – Vehicles with factory air bags or automatic seat belts could see savings of up to 25% or more.
  • Multiple Policy Discount – If you insure your home and vehicles with one company you could earn a discount of at least 10% off all policies.
  • Drivers Education – It’s a good idea to have your young drivers participate in a local driver’s education class if it’s offered in school.
  • Senior Citizen Rates – Drivers over the age of 55 could receive better auto insurance rates on Charger insurance.
  • Paperwork-free – A few larger online companies will give you a small discount for signing up online.

A little disclaimer on discounts, most credits do not apply the the whole policy. A few only apply to individual premiums such as comp or med pay. Despite the appearance that all the discounts add up to a free policy, auto insurance companies aren’t that generous.

A list of auto insurance companies and some of the discounts are:

  • GEICO offers premium reductions for military active duty, driver training, anti-theft, defensive driver, anti-lock brakes, multi-policy, and federal employee.
  • Travelers offers discounts including early quote, multi-car, IntelliDrive, new car, student away at school, and hybrid/electric vehicle.
  • Farm Bureau offers discounts for multi-policy, renewal discount, youthful driver, driver training, safe driver, 55 and retired, and multi-vehicle.
  • Liberty Mutual policyholders can earn discounts including new graduate, new move discount, multi-car, teen driver discount, and new vehicle discount.
  • American Family may include discounts for bundled insurance, multi-vehicle, TimeAway discount, accident-free, air bags, Steer into Savings, and mySafetyValet.
  • Progressive has savings for online signing, continuous coverage, homeowner, online quote discount, and multi-policy.

If you need lower rates, check with each insurance company which discounts they offer. Some of the earlier mentioned discounts might not be offered on policies in your area. For a list of auto insurance companies that offer some of these discounts, click here to view.

How to get insurance quotes

All major insurance companies make it easy to get insurance quotes direct online. Comparing prices online is fairly straightforward as you just enter on the page. Once entered, their system sends out for reports for credit and driving violations and provides a quote. Online quotes helps simplify price comparisons, but having to visit each company’s website and repetitively type in the same information can be a bit repetitive. But it is imperative to do this in order to find lower prices.

A quicker way to find cheaper rates uses just one form to return rates from several companies at one time. It saves time, requires less work, and makes online price comparison a lot less work. After sending the form, your coverage is rated and you are able to buy any one of the price quotes you receive.

If one or more price quotes are lower than your current rates, it’s easy to complete the application and buy the new coverage. This process takes less than 15 minutes and may save quite a bit of money.

In order to compare rates using this form now, click here and enter your vehicle and coverage information. If you currently have coverage, we recommend you input deductibles and limits identical to your current policy. Using the same limits helps guarantee you’re receiving a rate comparison for exact coverage.

Eight things that influence your insurance premiums

Many different elements are taken into consideration when quoting car insurance. Some are pretty understandable such as traffic violations, but other factors are less obvious like your continuous coverage or how safe your car is.An important part of buying insurance is that you know some of the things that go into determining your policy premiums. If you have a feel for what controls the rates you pay, this empowers consumers to make smart changes that may result in cheaper rates.

  • Credit rating impact insurance costs – Credit score factor in determining your rates. People that have excellent credit tend to be more responsible than drivers with lower credit scores. If your credit rating can be improved, you could pay less to insure your 2010 Dodge Charger by spending a little time repairing your credit.
  • Discounts for married drivers – Having a significant other may save some money when shopping for insurance. It translates into being more stable financially and statistics prove drivers who are married are more cautious.
  • Safer vehicles means cheaper insurance – Cars with five star safety ratings get lower rates. Safe vehicles reduce occupant injuries and reduced instances of injuries means your insurance company pays less and cheaper rates on your policy.
  • Cheaper to insure females? – Over time, data shows that females tend to be a little less risky than males. This data doesn’t prove that women are BETTER drivers than men. Both genders have accidents in similar numbers, but the men cause more damage and cost insurance companies more money. Not only are claims higher, but men receive more costly citations such as driving while intoxicated (DWI) or driving recklessly. Males from age 16 to 21 are several times more likely to be in an accident and therefore have the most expensive insurance rates.
  • Optional features can affect insurance rates – Owning a car with an alarm system can help lower your premiums. Anti-theft devices like tamper alarm systems, vehicle immobilizer technology and General Motors OnStar can thwart your vehicle from being stolen.
  • Annual miles is a factor – Driving more miles each year the higher your rate. A lot of insurance companies apply a rate based upon how the vehicle is primarily used. Vehicles that do not get driven very much qualify for better rates than those used for commuting. It’s a smart idea to ensure your insurance coverage is showing the correct usage, because it can save money. An improperly rated Charger can cost quite a bit.
  • How much liability coverage – The liability section of your policy will provide protection in the event that you are determined to be liable for damages caused by your negligence. Your liability coverage provides legal defense coverage to attempt to prove you were not liable. Liability is cheap when compared to the cost of physical damage coverage, so drivers should make sure they buy enough to cover all assets.
  • Frequent claims will cost you more – If you file a lot of claims you shouldn’t be surprised to get increased rates or even have your policy non-renewed. Insurance companies give most affordable rates to policyholders who are claim-free. Insurance coverage is meant to be used in the event of the large, substantial claims.

Your auto insurance coverage should be tailored to you

When it comes to buying proper insurance coverage for your personal vehicles, there really is no one size fits all plan. Every situation is different so this has to be addressed. For example, these questions could help you determine if your insurance needs would benefit from professional advice.

  • Does my 2010 Dodge Charger qualify for pleasure use?
  • Should I drop comprehensive coverage on older vehicles?
  • Is my trailer covered?
  • Do I need rental car coverage?
  • When do I need to add a new car to my policy?
  • Am I covered if I hit a deer?
  • Can I afford to buy a different vehicle if my 2010 Dodge Charger is totaled?
  • Can I pay claims out-of-pocket if I buy high deductibles?
  • Why do I only qualify for high-risk insurance?
  • Will my vehicle be repaired with OEM or aftermarket parts?

If you can’t answer these questions but one or more may apply to you, you may need to chat with a licensed insurance agent. To find an agent in your area, fill out this quick form or you can go here for a list of companies in your area.

Information about specific coverages

Learning about specific coverages of insurance can help you determine which coverages you need at the best deductibles and correct limits. Insurance terms can be confusing and nobody wants to actually read their policy. Listed below are the usual coverages found on the average insurance policy.

Medical costs insurance

Med pay and PIP coverage provide coverage for short-term medical expenses for rehabilitation expenses, ambulance fees, funeral costs and doctor visits. They are often utilized in addition to your health insurance policy or if you do not have health coverage. They cover not only the driver but also the vehicle occupants and will also cover any family member struck as a pedestrian. Personal injury protection coverage is not universally available but it provides additional coverages not offered by medical payments coverage

Liability

Liability coverage will cover damage that occurs to other’s property or people. This insurance protects YOU against other people’s claims, and does not provide coverage for your own vehicle damage or injuries.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. You might see limits of 25/50/25 which means $25,000 in coverage for each person’s injuries, a total of $50,000 of bodily injury coverage per accident, and a limit of $25,000 paid for damaged property. Alternatively, you may have one limit called combined single limit (CSL) that pays claims from the same limit and claims can be made without the split limit restrictions.

Liability coverage pays for claims like funeral expenses, repair costs for stationary objects and attorney fees. How much coverage you buy is a decision to put some thought into, but it’s cheap coverage so purchase as large an amount as possible.

Collision insurance

Collision insurance covers damage to your Charger resulting from colliding with another vehicle or an object, but not an animal. You have to pay a deductible and then insurance will cover the remainder.

Collision coverage pays for things like colliding with another moving vehicle, driving through your garage door and scraping a guard rail. Paying for collision coverage can be pricey, so you might think about dropping it from older vehicles. Another option is to raise the deductible in order to get cheaper collision rates.

UM/UIM Coverage

Uninsured or Underinsured Motorist coverage provides protection from other motorists when they either are underinsured or have no liability coverage at all. It can pay for hospital bills for your injuries as well as your vehicle’s damage.

Since many drivers have only the minimum liability required by law, their limits can quickly be used up. So UM/UIM coverage is a good idea. Usually the UM/UIM limits are similar to your liability insurance amounts.

Comprehensive or Other Than Collision

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 coverage protects against claims like damage from getting keyed, falling objects, rock chips in glass, hitting a deer and vandalism. The most your insurance company will pay is the ACV or actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Final thoughts

Cheaper 2010 Dodge Charger insurance can be found online and from local agencies, and you need to comparison shop both so you have a total pricing picture. A few companies may not provide online quoting and these small insurance companies only sell coverage through independent agencies.

When buying insurance coverage, make sure you don’t reduce coverage to reduce premium. There are too many instances where someone dropped liability limits or collision coverage and found out when filing a claim that a couple dollars of savings turned into a financial nightmare. The goal is to purchase a proper amount of coverage at the best price while not skimping on critical coverages.

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