Lower Your 2012 Dodge Charger Insurance Rates

Searching for better car insurance rates? Consumers have a choice when looking for low-cost Dodge Charger insurance. You can either waste hours calling around to compare prices or use the internet to find the lowest rates. There are more efficient ways to shop for car insurance so you’re going to learn the proper way to get price quotes for your Dodge and find the cheapest rates from both online companies and local agents.

Consumers need to quote other rates yearly due to the fact that insurance prices are rarely the same from one policy term to another. Just because you had the lowest rates on Charger insurance a few years ago you can probably find a lower rate today. Ignore everything you know about car insurance because we’re going to show you the right way to save on car insurance.

If you have insurance now or need a new policy, you can use these techniques to shop for the lowest rates while maintaining coverages. The purpose of this article is to let you in on the most effective way to quote insurance and some tricks to saving. Vehicle owners just need to understand the tricks to get comparison rates on the web.

Take policy discounts and save

Companies do not advertise every policy discount in an easy-to-find place, so the list below gives a summary of some of the more common as well as some of the hidden credits available to you.

  • Auto/Home Discount – If you can combine your auto and homeowners policy with one company they may give you a discount of over 10 percent off each policy depending on the company.
  • Payment Discounts – By making one initial payment rather than paying monthly you could save 5% or more.
  • Low Mileage Discounts – Fewer annual miles on your Dodge may enable drivers to earn cheaper prices.
  • Safe Drivers – Insureds without accidents can save up to 40% or more on their auto insurance quote on Charger insurance than less cautious drivers.
  • Include Life Insurance and Save – Larger insurance companies have a discount if you purchase life insurance.
  • Lower Rates for Military – Being deployed with a military unit can result in better premium rates.
  • Seat Belts Save – Drivers who require all vehicle occupants to use a seat belt may be able to save a few bucks on medical payment and PIP coverage.
  • Government Employees – Employees or retirees of the government could qualify for a slight premium decrease on Charger insurance with certain companies.
  • Paper-free Discount – Some companies will give a small break shop auto insurance digitally online.
  • Braking Control Discount – Cars and trucks with ABS braking systems or traction control have fewer accidents so companies give up to a 10% discount.

Discounts save money, but please remember that most discounts do not apply to the overall cost of the policy. The majority will only reduce the cost of specific coverages such as liability, collision or medical payments. So even though you would think having all the discounts means you get insurance for free, companies don’t profit that way. But all discounts should help lower the premium cost.

To choose insurers that offer discounts, click here to view.

How to get free car insurance quotes online

There are a lot of ways you can shop for car insurance and some are more efficient than others. You can waste a lot of time talking to local insurance agents in your area, or you can stay home and use the web to get the quickest rates.

Many popular insurance companies are enrolled in a marketplace where prospective buyers only type in their quote data once, and each participating company returns a rated price based on that information. This eliminates the need for repetitive form submissions for every car insurance company.

To find out how much you can save on car insurance click here (opens in new window).

The single downside to using this type of form is you cannot specify the insurers to receive prices from. So if you prefer to pick specific insurance companies for rate comparison, we have assembled a list of car insurance companies in your area. Click here to view list.

However you get your quotes, make absolute certain that you use the exact same quote data on every quote. If you use different liability limits it’s impossible to determine which rate is truly the best.

The Dodge Charger insurance rate equation

Part of the insurance buying process is learning some of the things that help determine the rates you pay for insurance. If you know what determines premiums, this allows you to make educated decisions that can earn you lower premium levels.

  • Liability is important – Liability insurance will provide protection when a court rules you are at fault for an accident. Your liability coverage provides legal defense to defend your case. This coverage is very inexpensive compared to insuring for physical damage coverage, so drivers should make sure they buy enough to cover all assets.
  • Expect high rates for teens – Drivers with little experience are known to be inattentive and easily distracted in a vehicle so they pay higher insurance rates. Having to add a young driver onto your insurance can cause a big jump in price. More mature drivers tend to be more responsible, statistically cause fewer accidents and get fewer tickets.
  • Low coverage deductibles mean high rates – Protection for physical damage, commonly called comprehensive (or other-than-collision) and collision coverage, covers your vehicle from damage. Examples of covered claims are a broken side mirror, collision with an animal, and damage from a fallen tree branch. Deductibles for physical damage are how much you are willing to pay out-of-pocket if a covered claim is submitted. The more the insured has to pay upfront, the lower your rates will be on Charger insurance.
  • Your job can affect rates – Did you know your insurance rates can be affected by your occupation? Occupational choices like lawyers, social workers and dentists tend to pay higher rates than the rest of us attributed to intense work-related stress and incredibly demanding work hours. On the other hand, careers such as farmers, historians and the unemployed receive lower rates on Charger insurance.
  • Getting married equates to better rates – Having a significant other may save some money on your insurance policy. Having a significant other translates into being more mature than a single person and statistics prove drivers who are married are more cautious.
  • Cut premiums and deter theft – Selecting a car model that has a built-in theft deterrent system can earn a premium discount. Anti-theft features such as OnStar, LoJack tracking, and tamper alarms help track and prevent your car from being stolen.
  • Vehicles with better crash test results means lower premiums – Safer cars can get you lower premiums. Vehicles built for safety reduce the chance of injuries and reduced instances of injuries means less claims paid and lower rates for you.
  • Too many policy claims will drive premiums up – If you’re an insured who likes to file claims you can pretty much guarantee either a policy non-renewal or much higher rates. Companies give most affordable rates to people that do not abuse their auto insurance. Auto insurance is designed for claims that you cannot pay yourself.

Which policy gives me the best coverage?

When buying adequate coverage, there is no “best” method to buy coverage. Your needs are not the same as everyone else’s.

For instance, these questions can help discover if your situation could use an agent’s help.

  • Do I need higher collision deductibles?
  • Do I need motorclub coverage?
  • Do I get a pro-rated refund if I cancel my policy early?
  • Is business property covered if stolen from my car?
  • Is my nanny covered when driving my vehicle?
  • Exactly who is provided coverage by my policy?

If you don’t know the answers to these questions but one or more may apply to you, you might consider talking to a licensed agent. If you want to speak to an agent in your area, simply complete this short form. It’s fast, free and can help protect your family.

Can you really save that much by switching?

Consumers can’t avoid all the ads that promise big savings for switching by companies like Allstate and Progressive. They all seem to have a common claim of big savings just by moving your policy.

How is it possible that every company can claim to save you money? This is the trick they use.

Insurance providers are able to cherry pick for the type of driver that makes them money. For instance, a desirable insured could be a female over age 40, has no claims, and has a high credit rating. Any person that fits those parameters will probably get the lowest prices and most likely will cut their rates substantially.

Consumers who don’t meet the requirements may be forced to pay higher rates and ends up with the prospect going elsewhere. The ads state “customers who switch” not “everybody who quotes” save that much when switching. That’s the way insurance companies can make those claims. Because of this risk profiling, you need to do a rate comparison at every renewal. It’s just too difficult to predict which insurance companies will fit your personal profile best.

Insurance coverages explained

Having a good grasp of your insurance policy can help you determine which coverages you need at the best deductibles and correct limits. The coverage terms in a policy can be ambiguous and coverage can change by endorsement.

Coverage for medical payments

Medical payments and Personal Injury Protection insurance reimburse you for short-term medical expenses for things like doctor visits, surgery and chiropractic care. They are used to fill the gap from your health insurance policy or if you do not have health coverage. It covers all vehicle occupants and also covers being hit by a car walking across the street. Personal injury protection coverage is not available in all states and gives slightly broader coverage than med pay

Liability auto insurance

Liability coverage protects you from damages or injuries you inflict on people or other property in an accident. This insurance protects YOU against other people’s claims, and does not provide coverage for your own vehicle damage or injuries.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have policy limits of 100/300/100 that translate to $100,000 bodily injury coverage, a limit of $300,000 in injury protection per accident, and property damage coverage for $100,000.

Liability coverage pays for things like bail bonds, court costs, medical services and repair bills for other people’s vehicles. The amount of liability coverage you purchase is a decision to put some thought into, but consider buying as large an amount as possible.

Uninsured and underinsured coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when other motorists do not carry enough liability coverage. Covered claims include injuries to you and your family as well as damage to your Dodge Charger.

Since many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is a good idea.

Comprehensive coverages

Comprehensive insurance coverage covers damage that is not covered by collision coverage. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against things like rock chips in glass, a broken windshield and hitting a bird. The maximum amount your insurance company will pay is the ACV or actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Collision coverage

This coverage pays to fix your vehicle from damage from colliding with a stationary object or other vehicle. A deductible applies then your collision coverage will kick in.

Collision coverage pays for claims like colliding with a tree, rolling your car, colliding with another moving vehicle and scraping a guard rail. Collision coverage makes up a good portion of your premium, so you might think about dropping it from lower value vehicles. Another option is to bump up the deductible to save money on collision insurance.

Cheaper insurance is a realistic goal

When you buy auto insurance online, never skimp on coverage in order to save money. There are too many instances where someone sacrificed liability coverage limits only to discover later that their decision to reduce coverage ended up costing them more. The ultimate goal is to buy enough coverage at the lowest possible cost.

Consumers change insurance companies for a number of reasons such as unfair underwriting practices, high prices, delays in paying claims or an unsatisfactory settlement offer. Whatever your reason, choosing a new insurance company is pretty easy and you might even save some money in the process.

Cheaper auto insurance is attainable on the web and from local agencies, so you should compare both to have the best selection. There are still a few companies who do not provide online price quotes and many times these smaller companies sell through independent agents.

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