Compare 2018 Dodge Charger Car Insurance Quotes

If you’ve never shopped for car insurance quotes online, you can easily be confused by the vast assortment of insurance companies who all claim to have the lowest rates.

These discounts can reduce car insurance rates

Car insurance companies don’t list every policy discount very well, so the list below contains a few of the more common as well as some of the hidden credits that you can use to lower your rates.

  • Passenger Safety Discount – Factory air bags and/or automatic seat belt systems may earn rate discounts of more than 20%.
  • Student Discount for Driver Training – Cut your cost by having your teen driver complete a driver education course if it’s offered in school.
  • Claim-Free Discount – Insureds with no claims or accidents are rewarded with significantly better rates on car insurance quote when compared with accident-prone drivers.
  • Senior Citizens – If you’re over the age of 55, you can get a slight reduction on a car insurance quote for Charger insurance.
  • More Vehicles More Savings – Buying a policy with multiple vehicles on one policy can get a discount on all vehicles.
  • New Car Discount – Insuring a vehicle that is new is cheaper due to better safety requirements for newer vehicles.
  • Early Renewal Discounts – Some companies provide a discount for switching companies prior to your current policy expiring. It can save you around 10%.
  • Military Rewards – Being deployed in the military may qualify for rate reductions.
  • Auto/Home Discount – If you can combine your homeowners and auto policy and insure them both with the same insurance company you could earn a discount of nearly 15% which can help you find cheap car insurance.

As a sidenote, some of the credits will not apply the the whole policy. Most only cut individual premiums such as medical payments or collision. So even though it sounds like all those discounts means the company will pay you, it just doesn’t work that way.

Companies and some of the premium reductions they offer are included below.

  • Farmers Insurance may offer discounts for multi-car, good student, mature driver, distant student, electronic funds transfer, youthful driver, and bundle discounts.
  • Esurance policyholders can earn discounts including paid-in-full, multi-policy, Switch & Save, multi-car, defensive driver, and homeowner.
  • State Farm includes discounts for accident-free, anti-theft, defensive driving training, good driver, driver’s education, Drive Safe & Save, and student away at school.
  • GEICO offers premium reductions for driver training, air bags, emergency military deployment, multi-vehicle, anti-lock brakes, daytime running lights, and military active duty.
  • Allstate may have discounts that include utility vehicle, premier discount, anti-theft, EZ pay plan discount, good student, and good payer.

It’s a good idea to ask every prospective company what discounts are available to you. A few discounts may not be available everywhere. To choose car insurance companies with discount car insurance rates, follow this link.

When do I need an agent’s advice?

When buying adequate coverage, there isn’t really a perfect coverage plan. Each situation is unique.

For instance, these questions can aid in determining if your insurance needs might need an agent’s assistance.

  • When can I cancel my policy?
  • Am I covered if I drive in a foreign country?
  • Is upholstery damage covered by car insurance?
  • Will my rates increase for filing one claim?
  • Can I pay claims out-of-pocket if I buy high deductibles?
  • I have a DUI can I still get coverage?
  • What vehicles should carry emergency assistance coverage?
  • What is the ISO rating for a 2018 Dodge Charger?
  • Does having multiple vehicles earn me a discount?
  • Is my ex-spouse still covered by my policy?

If it’s difficult to answer those questions but you think they might apply to your situation, you might consider talking to an agent. If you don’t have a local agent, fill out this quick form.

Car insurance coverage information

Knowing the specifics of your car insurance policy can help you determine the best coverages and proper limits and deductibles. The coverage terms in a policy can be impossible to understand and nobody wants to actually read their policy.

Collision – This coverage pays for damage to your Charger from colliding with an object or car. You will need to pay your deductible then your collision coverage will kick in.

Collision insurance covers things like crashing into a ditch, driving through your garage door, hitting a parking meter and crashing into a building. This coverage can be expensive, so consider removing coverage from vehicles that are older. Another option is to choose a higher deductible in order to get cheaper collision rates.

Liability – This coverage provides protection from damage or injury you incur to people or other property. It protects you against claims from other people, and doesn’t cover 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 liability limits of 50/100/50 that means you have $50,000 bodily injury coverage, a total of $100,000 of bodily injury coverage per accident, and $50,000 of coverage for damaged propery. Some companies may use a combined single limit or CSL which limits claims to one amount and claims can be made without the split limit restrictions.

Liability insurance covers things such as structural damage, medical services, repair costs for stationary objects and legal defense fees. The amount of liability coverage you purchase is your choice, but you should buy higher limits if possible.

Medical expense insurance – Coverage for medical payments and/or PIP reimburse you for short-term medical expenses for things like rehabilitation expenses, X-ray expenses, pain medications and hospital visits. They are used in conjunction with a health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover all vehicle occupants and also covers any family member struck as a pedestrian. PIP is not universally available and may carry a deductible

Comprehensive (Other than Collision) – Comprehensive insurance covers damage OTHER than collision with another vehicle or object. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for claims such as damage from a tornado or hurricane, a broken windshield and fire damage. The highest amount you’ll receive from a claim is the cash value of the vehicle, so if it’s not worth much more than your deductible consider dropping full coverage.

Protection from uninsured/underinsured drivers – This coverage protects you and your vehicle when other motorists either have no liability insurance or not enough. Covered losses include hospital bills for your injuries as well as your vehicle’s damage.

Since a lot of drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage is very important. Normally these coverages are identical to your policy’s liability coverage.

Affordable insurance is out there

There are still a few companies who do not provide rates over the internet and these regional carriers prefer to sell through independent agents. Discount 2018 Dodge Charger insurance can be sourced from both online companies in addition to local insurance agencies, and you should be comparing both to have the best chance of lowering rates.

While you’re price shopping online, it’s not a good idea to buy poor coverage just to save money. In many cases, an insured dropped full coverage only to regret at claim time that their decision to reduce coverage ended up costing them more. Your focus should be to buy the best coverage you can find at the lowest possible cost, not the least amount of coverage.

Consumers leave their current company for many reasons like questionable increases in premium, delays in responding to claim requests, unfair underwriting practices or high rates after DUI convictions. Regardless of your reason, switching auto insurance companies is easier than you think.

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