Cheap 2014 Dodge Charger Insurance Rates

Shoppers have lots of choices when shopping for the lowest priced Dodge Charger insurance. You can either spend your time driving around to get rate comparisons or save time using the internet to compare rates.

There is a better way to buy auto insurance and we’ll show you the absolute fastest way to get price quotes on a Dodge and locate the lowest possible price from local insurance agents and online providers.

How much is auto insurance?

Lowering your 2014 Dodge Charger auto insurance rates is pretty simple and can save money. The only requirement is to spend a little time comparing free auto insurance quotes to find the company with the cheapest auto insurance quotes. You can get a good selection of rate quotes using one of these methods.

If you don’t have a lot of time, the easiest way to get quotes is an all-inclusive rate comparison click here to open form in new window. This style of form prevents you from having to do separate quotes for each company. Taking the time to complete one form gets you coverage quotes from several companies. Recommended for those who want to invest the least amount of time.

Another way to find more affordable insurance is spending the time to visit each company website and fill out a new quote form. For sake of this example, we’ll pretend you want to compare prices for Progressive, Esurance and Farmers. You would need to visit each site and enter your information, which can get old fast. For a list of companies in your area, click here.

It’s up to you how you get prices quotes, just make sure you are using the exact same coverage information with every price quote. If your comparisons have mixed coverages it’s impossible to determine which rate is truly the best.

Lower rate quotes with discounts

Properly insuring your vehicles can get expensive, but you might find some hidden discounts that you may not even know about. Certain reductions will be credited when you complete an application, but some discounts are required to be inquired about before you will receive the discount.

  • Passenger Safety Discount – Vehicles equipped with air bags may earn rate discounts up to 30%.
  • Discounts for Government Workers – Simply working for the federal government could provide a small rate reduction for Charger coverage depending on your company.
  • Seat Belts Save – Forcing all vehicle occupants to buckle their seat belts could cut 10% or more on the premium charged for medical payments and/or PIP.
  • Discount for Multiple Policies – If you insure your home and vehicles and insure them both with the same insurance company you could get a discount of approximately 10% to 15%.
  • ABS and Traction Control Discounts – Cars and trucks with ABS and/or traction control prevent accidents and therefore earn up to a 10% discount.
  • Buy New and Save – Buying a new car model can save you some money compared to insuring an older model.
  • Discounts for Responsible Drivers – Drivers who avoid accidents can save up to 40% or more on their auto insurance quote for Charger coverage than drivers with accident claims.
  • Distant College Student Discount – Any of your kids who are enrolled in a college that is more than 100 miles from home and don’t have a car may qualify for this discount.
  • Low Mileage Discounts – Low annual miles can qualify you for lower prices on the low mileage vehicles.
  • Switch and Save Discount – Some companies provide a discount for buying a new policy prior to the expiration date on your current policy. This can save 10% or more.

You should keep in mind that most of the big mark downs will not be given to the entire policy premium. Most cut the cost of specific coverages such as liability and collision coverage. So despite the fact that it appears all those discounts means the company will pay you, it doesn’t quite work that way.

Larger insurance companies and their possible discounts are:

  • Travelers offers discounts for early quote, new car, home ownership, IntelliDrive, payment discounts, hybrid/electric vehicle, and student away at school.
  • 21st Century offers discounts including 55 and older, good student, homeowners, driver training, and anti-lock brakes.
  • State Farm may have discounts that include driver’s education, Steer Clear safe driver discount, multiple autos, good driver, student away at school, and multiple policy.
  • GEICO has savings for membership and employees, anti-theft, daytime running lights, multi-vehicle, and federal employee.
  • SAFECO discounts include accident prevention training, teen safe driver, teen safety rewards, anti-lock brakes, drive less, multi-car, and anti-theft.
  • AAA includes discounts for multi-policy, AAA membership discount, multi-car, anti-theft, pay-in-full, and education and occupation.

When getting a coverage quote, ask all the companies how many discounts you can get. Some of the discounts discussed earlier might not be offered on policies in every state. To locate insurance companies that offer discounts, click this link.

What is the best insurance coverage coverage?

When it comes to choosing proper insurance coverage for your personal vehicles, there really is no perfect coverage plan. Coverage needs to be tailored to your specific needs.

For example, these questions can help discover if your situation might need an agent’s assistance.

  • Does my insurance cover my expensive audio equipment?
  • Can my babysitter drive my car?
  • Should I buy more coverage than the required minimum liability coverage?
  • What is the ISO rating for a 2014 Dodge Charger?
  • Will my insurance pay for OEM parts?
  • When should I remove comp and collision on my 2014 Dodge Charger?
  • Can I get a multi-policy discount?
  • Does my insurance cover a custom paint job?
  • Where can I find high-risk insurance?
  • Will I lose any money if I cancel my policy before it expires?

If it’s difficult to answer those questions, you might consider talking to an agent. To find an agent in your area, simply complete this short form. It’s fast, free and can help protect your family.

How do insurers determine Dodge Charger insurance prices?

Many different elements are part of the calculation when you quote your car insurance policy. Most are fairly basic such as your driving history, although some other factors are less apparent such as your marital status or your financial responsibility.

The list below includes most of the major factors that factor into premiums.

  • Alarm systems save money – Purchasing a vehicle with anti-theft technology or alarm system can get you a discount on your insurance. Anti-theft features such as OnStar found on GM vehicles, advanced tracking like LoJack, and vehicle immobilization systems all hinder car theft.
  • How much liability coverage do you need? – Liability insurance kicks in if you are found liable for causing damage or personal injury in an accident. Liability insurance provides legal defense coverage which can be incredibly expensive. Liability is cheap as compared to coverage for physical damage, so insureds should have plenty of protection for their assets.
  • Do you know your coverage deductibles? – The deductibles you choose define the amount you are required to spend before a claim is paid by your company. Insurance for physical damage to your car, termed comprehensive and collision coverage on your policy, insures against damage to your car. A few examples of covered claims are colliding with a stationary object, damage caused by hail, and having a roll-over accident. The higher the amount the insured is willing to pay, the less your insurance will be for Charger coverage.
  • Drivers with excellent credit save on insurance – Credit history is likely to be a major factor in determining premium rates. People with high credit scores tend to file fewer claims than those with worse credit. Therefore, if your credit can use some improvement, you may save money insuring your 2014 Dodge Charger by repairing your credit.
  • Do you really need roadside assistance? – There are a ton of add-on coverages that may not really be needed but may not be useful. Add-on coverages like vanishing deductibles, towing, and extra life insurance coverage could be just wasting money. These may sound like a good investment initially, but your needs may have changed so remove them from your policy.
  • Demanding occupation may mean higher premiums – Did you know your insurance rates can be affected by your occupation? Jobs such as lawyerspolice officers and medical professionals have the highest average rates because of intense work-related stress and extremely grueling work hours. Other jobs like professors, students and homemakers get better rates for Charger coverage.
  • Tickets increase rates – Being a careful driver impacts your car insurance rates tremendously. Attentive drivers pay lower auto insurance prices than bad drivers. Just one moving violation can increase the cost of insurance by twenty percent. Drivers who have gotten multiple tickets like hit and run, DWI or reckless driving convictions might be required by their state to file a proof of financial responsibility form (SR-22) with the DMV in their state in order to prevent a license revocation.
  • Women pay lower prices – Statistics have proven that women are safer drivers than men. The data does not necessarily mean that women are BETTER drivers than men. Women and men tend to get into at-fault accidents in similar numbers, but men cause more damage. Not only are claims higher, but men get cited for more serious violations such as DWI and reckless driving. Males from age 16 to 21 tend to get in the most accidents and therefore are the most expensive to insure.

Tricks in insurance coverage advertising

Drivers get pounded daily by advertisements for the lowest price insurance coverage by State Farm and Allstate. All the ads convey the message that you can save if you just switch to their company.

It sounds good, but how can they all claim to save you money? It’s all in the numbers.

All the different companies give the best rates for the type of driver that will generate a profit. An example of a driver they prefer might have to be a married male, has a low-risk occupation, and drives less than 5,000 miles a year. Someone who matches that profile will most likely get cheap prices and most likely will pay quite a bit less when switching companies.

Insureds who do not fit this ideal profile will probably have to pay more expensive rates and the customer not buying. The trick companies use is to say “people that switch” but not “all drivers who get quotes” will save that much if they switch. That is how insurance companies can claim big savings.

That is why you really should get as many free auto insurance quotes as possible. It’s just not possible to know with any certainty which company will fit your personal profile best.

Car insurance 101

Understanding the coverages of auto insurance helps when choosing appropriate coverage for your vehicles. Auto insurance terms can be difficult to understand and even agents have difficulty translating policy wording.

Liability insurance

Liability insurance protects you from injuries or damage you cause to a person or their property. It protects YOU from legal claims by others, and doesn’t cover your own vehicle damage or injuries.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show values of 100/300/100 that translate to $100,000 bodily injury coverage, a total of $300,000 of bodily injury coverage per accident, and a limit of $100,000 paid for damaged property. Alternatively, you may have a combined limit that pays claims from the same limit and claims can be made without the split limit restrictions.

Liability can pay for things like medical expenses, medical services, legal defense fees and attorney fees. How much liability coverage do you need? That is up to you, but buy as much as you can afford.

Comprehensive or Other Than Collision

Comprehensive insurance coverage pays to fix your vehicle from damage from a wide range of events other than collision. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive coverage protects against claims like hitting a deer, fire damage and rock chips in glass. The most a auto insurance company will pay at claim time is the actual cash value, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

UM/UIM Coverage

This coverage provides protection from other drivers when they are uninsured or don’t have enough coverage. This coverage pays for hospital bills for your injuries and damage to your Dodge Charger.

Due to the fact that many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is very important. Frequently these limits do not exceed the liability coverage limits.

Collision coverage protection

Collision insurance pays for damage to your Charger from colliding with an object or car. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for things like colliding with another moving vehicle, colliding with a tree, driving through your garage door and crashing into a building. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are older. It’s also possible to increase the deductible to get cheaper collision coverage.

Medical costs insurance

Medical payments and Personal Injury Protection insurance provide coverage for short-term medical expenses like doctor visits, funeral costs, EMT expenses, rehabilitation expenses and hospital visits. They are often used to fill the gap from your health insurance program or if there is no health insurance coverage. Medical payments and PIP cover you and your occupants in addition to any family member struck as a pedestrian. Personal Injury Protection is only offered in select states and gives slightly broader coverage than med pay

Final thoughts

In this article, we presented many tips how you can shop for 2014 Dodge Charger insurance online. The key thing to remember is the more rate quotes you have, the better chance you’ll have of finding cheap auto insurance. Consumers could even find that the lowest rates are with a small local company.

Low-cost 2014 Dodge Charger insurance can be bought on the web and with local insurance agents, so you should be comparing quotes from both so you have a total pricing picture. A few companies may not offer internet price quotes and these small, regional companies work with independent agents.

Consumers switch companies for a variety of reasons including high rates after DUI convictions, being labeled a high risk driver, extreme rates for teen drivers or policy non-renewal. Whatever your reason, switching companies is less work than it seems.

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