2017 Dodge Charger Insurance Rates – 5 Ways to Save

Trying to find cheaper auto insurance rates for your Dodge Charger? Searching for cheaper insurance for a new or used Dodge Charger can be difficult, but you can learn the following methods to save time.

There are both good and bad ways to find auto insurance online so we’re going to tell you the best way to quote coverages on a Dodge and locate the lowest possible price either online or from local insurance agents.

Finding affordable insurance coverage is quite easy. If you have insurance now or are looking for a new policy, you can use these tips to find the best rates while maximizing coverage. Consumers just need to learn the proper way to shop their coverage around over the internet.

Five discounts to earn lower-cost insurance rates

Not many people think insurance is cheap, but there could be significant discounts to help bring down the price. Certain credits will be shown at the time you complete a quote, but a few need to be specifically requested before they will apply.

  • Accident Forgiveness – This isn’t a discount exactly, but companies like Libery Mutual, GEICO and Allstate will forgive one accident before your rates go up as long as you don’t have any claims for a specific time period.
  • Discount for New Cars – Putting insurance on a new car can save up to 30% since newer models have better safety ratings.
  • Online Discount – Certain insurance companies may give you up to $50 for buying your policy digitally online.
  • Driving Data Discount – Insureds who allow their insurance company to study driving patterns through the use of a telematics system such as Allstate’s Drivewise and State Farm’s In-Drive system could see a rate decrease if their driving habits are good.
  • Mature Driver Discount – If you’re over the age of 55, you may receive reduced rates on Charger insurance.

Policy discounts save money, but many deductions do not apply the the whole policy. A few only apply to specific coverage prices like liability and collision coverage. So even though they make it sound like you would end up receiving a 100% discount, insurance companies aren’t that generous.

The best insurance companies and some of their more popular discounts can be read below.

  • Progressive has discounts for good student, online quote discount, online signing, multi-policy, continuous coverage, multi-vehicle, and homeowner.
  • GEICO policyholders can earn discounts including military active duty, multi-policy, anti-theft, five-year accident-free, seat belt use, anti-lock brakes, and federal employee.
  • State Farm offers premium reductions for multiple autos, anti-theft, good driver, student away at school, defensive driving training, and good student.
  • Esurance discounts include multi-policy, Switch & Save, safety device, anti-theft, defensive driver, and Pac-12 alumni.
  • The Hartford may have discounts that include good student, defensive driver, vehicle fuel type, driver training, bundle, anti-theft, and air bag.

If you are trying to find low cost insurance coverage quotes, ask every company the best way to save money. Some of the discounts discussed earlier may not be available in your area. To locate insurance companies with the best discounts, click here to view.

Tailor your car insurance coverage to you

When choosing adequate coverage for your personal vehicles, there really is no cookie cutter policy. Everyone’s needs are different.

For example, these questions might point out if your situation might need an agent’s assistance.

  • I have health insurance so do I need medical payments coverage?
  • Do I need medical payments coverage since I have good health insurance?
  • Why do I need rental car insurance?
  • Is a new car covered when I drive it off the dealer lot?
  • Should I buy additional glass protection?
  • Can I afford to buy a different vehicle if my 2017 Dodge Charger is totaled?
  • Should I bundle my homeowners policy with my auto?

If it’s difficult to answer those questions but one or more may apply to you, you might consider talking to an insurance agent. To find lower rates from a local agent, fill out this quick form. It’s fast, doesn’t cost anything and you can get the answers you need.

Auto insurance in the media

Consumers get pounded daily by advertisements for auto insurance savings by Allstate, GEICO and Progressive. All the ads make the point of big savings just by moving your auto insurance coverage to their company.

How does every auto insurance company cost less than your current company?

All the different companies are able to cherry pick for the type of customer they prefer to insure. One example of a desirable risk may need to be between the ages of 30 and 45, has a clean driving record, and chooses high deductibles. A customer getting a price quote that fits those parameters will qualify for the lowest prices and will probably save money with a new company.

People who do not fit the “perfect” profile will see higher rates which translates to the customer buying from a different company. The ads say “people who switch” not “everyone who quotes” save the amount stated. That is how companies can truthfully make it sound like they have such great car insurance rates.

This really drives home the point why drivers must get as many free insurance coverage quotes as possible. You cannot predict which auto insurance company will give you the biggest savings.

Specifics of your insurance policy

Understanding the coverages of a insurance policy helps when choosing which coverages you need and proper limits and deductibles. The coverage terms in a policy can be difficult to understand and nobody wants to actually read their policy.

Uninsured and underinsured coverage – This protects you and your vehicle from other drivers when they either are underinsured or have no liability coverage at all. Covered claims include injuries sustained by your vehicle’s occupants 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 very important. Normally these limits are similar to your liability insurance amounts.

Collision coverage – This covers damage to your Charger from colliding with another car or object. A deductible applies and then insurance will cover the remainder.

Collision can pay for claims such as crashing into a ditch, colliding with another moving vehicle, colliding with a tree, crashing into a building and hitting a mailbox. This coverage can be expensive, so consider dropping it from vehicles that are older. Drivers also have the option to bump up the deductible to save money on collision insurance.

Liability auto insurance – This provides protection from damage or injury you incur to people or other property in an accident. It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see liability limits of 25/50/25 which stand for $25,000 bodily injury coverage, $50,000 for the entire accident, and a total limit of $25,000 for damage to vehicles and property. Some companies may use a combined single limit or CSL that pays claims from the same limit without having the split limit caps.

Liability insurance covers claims such as structural damage, pain and suffering, funeral expenses and emergency aid. How much liability should you purchase? That is a decision to put some thought into, but it’s cheap coverage so purchase as large an amount as possible.

Coverage for medical payments – Medical payments and Personal Injury Protection insurance provide coverage for expenses like chiropractic care, pain medications and surgery. They are often used to cover expenses not covered by your health insurance program or if you lack health insurance entirely. It covers not only the driver but also the vehicle occupants as well as any family member struck as a pedestrian. PIP is not an option in every state but it provides additional coverages not offered by medical payments coverage

Comprehensive coverages – This coverage will pay to fix damage OTHER than collision with another vehicle or object. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers things such as rock chips in glass, a broken windshield, fire damage and theft. The maximum amount your insurance company will pay is the market value of your vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Do the work, save more money

Drivers leave their current company for many reasons like delays in paying claims, policy non-renewal, extreme rates for teen drivers and even denial of a claim. It doesn’t matter why you want to switch finding a new insurance company is not as difficult as it may seem.

As you restructure your insurance plan, it’s a bad idea to skimp on critical coverages to save a buck or two. In many cases, an insured cut liability coverage limits and learned later that they should have had better coverage. Your goal should be to get the best coverage possible at the lowest possible cost and still be able to protect your assets.

We’ve covered many ways to shop for 2017 Dodge Charger insurance online. The most important thing to understand is the more rate comparisons you have, the better your chances of lowering your car insurance rates. Consumers could even find that the lowest priced insurance comes from some of the smallest insurance companies.

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