2013 Dodge Charger Insurance Rates – 8 Tips for Cheaper Quotes

Want cheaper insurance coverage rates for your Dodge Charger? I really doubt anyone likes buying insurance coverage, especially knowing the cost is way too high.

Drivers have many insurers to choose from, and though it is a good thing to have a choice, lots of choices makes it harder to find the lowest cost provider.

It’s a good idea to quote other rates on a regular basis because insurance coverage prices trend upward over time. Even if you got the lowest rates on Charger insurance at your last renewal there is a good chance you can find better rate quotes now. Forget anything you know (or think you know) about insurance coverage because you’re about to find out the best way to find better coverage at a better price.

Finding the best rates is not that difficult. Just about every driver who has to buy auto insurance should be able to save money. Nevertheless, drivers do need to understand how big insurance companies price online insurance and apply this information to your search.

How to get auto insurance quotes

All the larger auto insurance companies allow consumers to get price estimates on their websites. Doing online price comparisons is pretty easy as you simply enter as detailed in the form. Upon sending the form, their quoting system pulls information on your driving record and credit history and provides a quote determined by many factors. Being able to quote online makes it easy to compare insurance prices but the work required to visit several different sites and type in the same data gets old quite quickly. But it’s also necessary to get many rate quotes in order to find better prices.

Online rates the easy way

An easier way to find cheaper rates uses one simple form to get prices from more than one company. The form is fast, requires much less work on your part, and makes rate comparisons much more enjoyable and efficient. After sending your information, it is rated and you can select your choice of the returned quotes. If you find a better price you can simply submit the application and purchase the new policy. This process can be completed in less than 10 minutes and can result in significant savings.

To compare rates now, click here to open in new window and enter your vehicle and coverage information. If you have your current policy handy, we recommend you replicate the coverages as shown on your current policy. This guarantees you’re receiving a price comparison based on the exact same insurance coverage.

Tailor your insurance coverage to you

When choosing the best insurance coverage, there really is no single plan that fits everyone. Coverage needs to be tailored to your specific needs and your policy should reflect that. Here are some questions about coverages that may help you determine whether or not you may require specific advice.

  • Is my ex-spouse still covered by my policy?
  • Does my insurance cover a custom paint job?
  • Do I need replacement cost coverage on my 2013 Dodge Charger?
  • Will I be non-renewed for getting a DUI or other conviction?
  • Can my babysitter drive my car?
  • Are rental cars covered under my policy?
  • Do I get a pro-rated refund if I cancel my policy early?

If you’re not sure about those questions but you think they might apply to your situation, you may need to chat with an agent. To find lower rates from a local agent, simply complete this short form or click here for a list of insurance companies in your area.

Auto insurance coverage considerations

Knowing the specifics of a auto insurance policy helps when choosing the best coverages and the correct deductibles and limits. The terms used in a policy can be difficult to understand and coverage can change by endorsement. These are the usual coverages found on the average auto insurance policy.

Liability car insurance

This coverage protects you from damages or injuries you inflict on other people or property. It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see liability limits of 25/50/25 which stand for $25,000 in coverage for each person’s injuries, a per accident bodily injury limit of $50,000, and property damage coverage for $25,000.

Liability coverage protects against things like medical expenses, emergency aid and attorney fees. How much liability should you purchase? That is a personal decision, but buy higher limits if possible.

Comprehensive or Other Than Collision

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

Comprehensive coverage protects against things like hail damage, damage from getting keyed, damage from flooding, hitting a bird and a broken windshield. The maximum amount your auto insurance company will pay is the actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Medical costs insurance

Medical payments and Personal Injury Protection insurance kick in for expenses such as surgery, prosthetic devices and ambulance fees. They are often used to fill the gap from your health insurance plan or if you do not have health coverage. Medical payments and PIP cover both the driver and occupants in addition to if you are hit as a while walking down the street. Personal Injury Protection is not an option in every state but it provides additional coverages not offered by medical payments coverage

UM/UIM Coverage

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

Due to the fact that many drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important.

Collision coverage

This pays to fix your vehicle from damage resulting from a collision with another car or object. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against claims such as hitting a parking meter, scraping a guard rail, colliding with a tree, damaging your car on a curb and hitting a mailbox. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are older. Another option is to raise the deductible in order to get cheaper collision rates.