Compare 2016 Dodge Charger Insurance Cost

Trying to find better insurance prices for a new or used Dodge Charger can be a painful process, but you can learn a few tricks to make it easier.

There are more efficient ways to buy insurance and you need to know the absolute fastest way to get price quotes for a new or used Dodge and locate the lowest price from both online companies and local agents.

Smart consumers take time to check insurance prices before your next renewal because insurance prices change regularly. Even if you think you had the best price on Charger coverage at your last renewal other companies may now be cheaper. Forget all the misinformation about insurance because you’re about to learn how to use online quotes to find better coverage at a better price.

How to get free insurance quotes online

All the larger insurance companies make it easy to get insurance quotes on their websites. This process can be done by anyone because it’s just a matter of typing in your coverage information into a form. Upon sending the form, the company’s rating system collects information on your driving record and credit history and generates a price based on these and other factors.

Being able to quote online makes it easy to compare insurance prices but the time required to go to a lot of sites and enter the same data into a form gets old quite quickly. But it’s absolutely necessary to perform this step if you are searching for better prices.

Rate comparisons made easy

A better way to locate the lowest prices uses one simple form that obtains quotes from many companies. It’s a real time-saver, requires much less work on your part, and makes online price comparison much more efficient. After sending your information, your coverage is rated and you can choose any one of the resulting price quotes.

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

To save time and compare rates now, click here to open in new window and complete the simple form. If you currently have coverage, we recommend that you enter the limits and deductibles just like they are on your policy. This guarantees you will have rate quotes based on the exact same insurance coverage.

Lower rates by qualifying for discounts

Car insurance companies don’t list all their discounts very clearly, so the following list contains some of the more common and also the lesser-known credits available to you. If you’re not getting every credit available, you could be saving more on your auto insurance.

  • Discounts for Responsible Drivers – Insureds who avoid accidents can save up to 40% or more on their car insurance quote on Charger coverage than drivers with accidents.
  • Auto/Home Discount – If you can bundle your auto and home insurance with one company you could get a discount of approximately 10% to 15%.
  • Own a Home and Save – Simply owning a home may earn you a small savings since home ownership shows financial diligence.
  • 55 and Retired – Drivers over the age of 55 can possibly qualify for a small discount on rates on Charger coverage.
  • Anti-lock Brake Discount – Cars with anti-lock braking systems have fewer accidents and therefore earn up to a 10% discount.

Policy discounts save money, but most discounts do not apply the the whole policy. A few only apply to the price of certain insurance coverages like comp or med pay. So despite the fact that it appears you can get free auto insurance, it’s just not the way it works.

If you would like to view insurers with the best discounts, click this link.

Smart consumers know how to find car insurance at a discount

Part of the car insurance buying process is learning the rating factors that come into play when calculating your premiums. When consumers understand what impacts premium levels, this enables informed choices that may reward you with much lower annual insurance costs. Lots of things are part of the equation when you quote your car insurance policy. Most are fairly basic like your driving record, but other criteria are not quite as obvious such as your marital status or how safe your car is.

  • When should you not file a claims? – If you’re an insured who likes to file claims don’t be surprised to see higher premiums or even policy non-renewal. Car insurance companies give discounts to policyholders who do not file claims often. Insurance coverage is intended for claims that pose a financial burden.
  • Car and home together may be cheaper – Most larger insurers provide discounts to clients that buy multiple policies such as combining an auto and homeowners policy. Even with this discount, consumers should still check prices from other companies to guarantee you are still saving the most. You may still save even more than the discount by splitting coverages up.
  • Premiums and your address – Choosing to live in less populated areas can be a good thing when talking about car insurance. Drivers who live in large cities tend to have congested traffic and longer commute times. Lower population corresponds to lower accident rates in addition to fewer liability claims.
  • Don’t let your coverage lapse – Not having insurance is against the law and companies may charge more for letting your coverage have a gap. Not only will rates go up, failure to provide proof of insurance could result in fines and jail time. You may have to prove you have insurance by filing a SR-22 with your state DMV.
  • Driving citations can increase rates – Your driving record has a huge affect on how much you pay. Only having one chargable violation can increase the cost of insurance by as much as twenty percent. Drivers who don’t get tickets pay less for auto insurance than people who have multiple driving citations. People who have severe tickets such as reckless driving, hit and run or driving under the influence may be required to complete a SR-22 with their state’s licensing department in order to prevent their license from being revoked.
  • Gender and car insurance rates – Over the last 50 years, statistics have shown that men are more aggressive behind the wheel. However, don’t assume that men are WORSE drivers than women. Women and men cause auto accidents in similar numbers, but the males cause more damage and cost insurance companies more money. Men also get cited for more serious violations like reckless driving and DUI.

Insurance coverage is unique, just like you

When it comes to choosing coverage, there really is no best way to insure your cars. Coverage needs to be tailored to your specific needs.

For instance, these questions might help in determining if you might need an agent’s assistance.

  • What vehicles should carry emergency assistance coverage?
  • Is other people’s property covered if stolen from my vehicle?
  • When do I need to add a new car to my policy?
  • How can I get my company to pay me more for my totalled car?
  • Which is better, split liability limits or combined limits?
  • Can I rate high risk drivers on liability-only vehicles?
  • Will filing a claim cost me more?
  • Am I getting all the discounts available?

If you can’t answer these questions then you might want to talk to a licensed insurance agent. If you don’t have a local agent, complete this form. It’s fast, free and may give you better protection.

Insurance policy specifics

Knowing the specifics of insurance can help you determine which coverages you need at the best deductibles and correct limits. Policy terminology can be ambiguous and even agents have difficulty translating policy wording.

Uninsured or underinsured coverage

This provides protection when the “other guys” are uninsured or don’t have enough coverage. It can pay for hospital bills for your injuries and also any damage incurred to your Dodge Charger.

Since a lot of drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is very important. Most of the time the UM/UIM limits are identical to your policy’s liability coverage.

Comprehensive protection

Comprehensive insurance coverage will pay to fix damage OTHER than collision with another vehicle or object. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against things such as falling objects, hitting a deer, rock chips in glass, damage from flooding and vandalism. The maximum amount you can receive from a comprehensive claim is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Auto liability

This coverage can cover damage or injury you incur to a person or their property. It protects YOU against claims from other people, and does not provide coverage for damage sustained by your vehicle in an accident.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. You commonly see values of 50/100/50 that means you have a limit of $50,000 per injured person, a per accident bodily injury limit of $100,000, and a total limit of $50,000 for damage to vehicles and property. Some companies may use 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 insurance covers things such as loss of income, medical expenses, legal defense fees, bail bonds and repair bills for other people’s vehicles. How much liability should you purchase? That is up to you, but consider buying as much as you can afford.

Medical expense coverage

Personal Injury Protection (PIP) and medical payments coverage provide coverage for expenses such as prosthetic devices, rehabilitation expenses and X-ray expenses. The coverages can be used to cover expenses not covered by your health insurance program or if you do not have health coverage. It covers both the driver and occupants and also covers getting struck while a pedestrian. Personal Injury Protection is not an option in every state and gives slightly broader coverage than med pay

Collision protection

This coverage covers damage to your Charger from colliding with an object or car. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision insurance covers claims like backing into a parked car, driving through your garage door and damaging your car on a curb. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are older. Another option is to bump up the deductible in order to get cheaper collision rates.

Have the Midas touch

We’ve covered a lot of techniques to shop for 2016 Dodge Charger insurance online. The most important thing to understand is the more rate quotes you have, the more likely it is that you will get a better rate. Drivers may discover the biggest savings come from a small mutual company.

Cheaper car insurance can be sourced on the web and from local agencies, and you need to comparison shop both to get a complete price analysis. A few companies may not have internet price quotes and many times these regional insurance providers provide coverage only through independent agents.

Consumers leave their current company for a variety of reasons including policy cancellation, high rates after DUI convictions, denial of a claim or even an unsatisfactory settlement offer. No matter why you want to switch, choosing a new insurance company can be pretty painless.

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