Dodge Charger Insurance Rates

Drivers have lots of options when attempting to insure your Dodge vehicle. You can either contact an insurance agent or shop online to compare insurance costs of a lot of car insurance companies. Shopping for car insurance through online companies is easy, plus you may find lower rates.

Consumers not familiar with buying insurance may think buying low-cost Charger insurance is difficult. The are a couple different ways to compare rate quotes from different insurance companies. The fastest way to find the cheapest Charger insurance quotes consists of shopping online. This can be done by getting a quick quote here.

Car insurance rates influenced by these things

Insurance premiums on a Dodge Charger will vary greatly based upon several criteria. Including but not limited to:

The performance level of your Charger
Your accident history
Whether you insure your home with the same company
Pleasure use vs. commuting use
Mature drivers pay less
Being married may save money
Add-on coverages such as rental reimbursement
Your job
The level of coverage
Home ownership saves money

One important consideration that will help determine your rates is the age of the vehicle. Older cars and trucks have a lower value compared to new Dodge models so the cost to replace them will push premiums down. Conversely, new Dodge models have more advanced features such as pedestrian detection, a collision avoidance system, and adaptive headlights so those may help offset higher rates.

To get a better idea how much rates will be for your vehicle, select the year of your Charger from the list below.

Coverage for liability

Liability insurance provides protection from damage or injury you incur to people or other property by causing an accident. Liability insurance covers claims like pain and suffering, repair costs for stationary objects, and legal defense fees. Liability insurance is relatively cheap so buy as much as you can afford.

Auto collision coverage

Collision coverage pays to fix your vehicle from damage resulting from a collision with a stationary object or other vehicle. You have to pay a deductible and then insurance will cover the remainder. Collision coverage for your Charger can be pricey, so consider dropping it from lower value vehicles. Drivers also have the option to increase the deductible to bring the cost down.

Comprehensive coverage (or Other than Collision)

This coverage covers damage from a wide range of events other than collision. You first have to pay a deductible then your comprehensive coverage will pay. The maximum amount your car insurance company will pay is the actual cash value, so if your deductible is as high as the vehicle's value consider removing comprehensive coverage.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Uninsured or Underinsured Motorist coverage provides protection from other drivers when they either have no liability insurance or not enough. Due to the fact that many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage is important protection for you and your family.

Insurance for medical payments

Medical payments and Personal Injury Protection insurance provide coverage for immediate expenses like EMT expenses, pain medications, and nursing services. They can be used in conjunction with a health insurance plan or if you do not have health coverage. PIP is not universally available and may carry a deductible.

How Much are Dodge Charger Insurance Rates?