2009 Dodge Charger Insurance Quotes

Are you sick and tired of scraping the payment together to keep your car insured? You have the same problem as many other drivers. Having so many options, it is hard for the average consumer to find a more affordable car insurance company.

Finding the best rates is not rocket science. If you have a policy now or need a new policy, you can learn to find the best rates and still get good coverage. Vehicle owners just need to understand the proper way to shop on the web.

Dodge Charger insurance prices can be more affordable

Lots of factors are taken into consideration when pricing auto insurance. Some are obvious such as your driving history, but other factors are not quite as obvious like your continuous coverage or your commute time.

The following are a partial list of the pieces that factor into your prices.

• With age comes responsibility – Teen drivers are proven to be inattentive and easily distracted behind the wheel so they pay higher insurance rates. Adding a beginning driver onto your insurance can cause a big jump in price. More mature drivers have been proven to be more responsible, tend to cause fewer accidents .
• Driving citations mean higher prices – Your driving record impacts your car insurance rates tremendously. Good drivers tend to pay less for car insurance than bad drivers. Only having one ticket may cause rates to rise by as much as thirty percent. Drivers with license-revoking tickets like reckless driving, hit and run or driving under the influence may be required to file a SR-22 with their state in order to drive a vehicle legally.
• Lower deductibles cost more – Insurance for physical damage, commonly called comprehensive (or other-than-collision) and collision coverage, insures against damage to your Dodge. Examples of covered claims are colliding with a building, damage from fire, or theft. Physical damage deductibles are the amount of money you are willing to pay if you file a covered claim. The more of the claim you have to pay, the less your company will charge you for insurance for Charger coverage.
• No coverage gaps is important – Letting your insurance expire will be a quick way to trigger a rate increase. Not only will you pay higher rates, not being able to provide proof of insurance can result in fines and jail time.
• Big city or small town – Being located in less populated areas may provide you with better prices when talking about insurance. Urban drivers have more aggressive driving styles and more time behind the wheel. Fewer drivers translates into fewer accident claims and a lower car theft rate.
• An active policy claims history can increase rates – If you tend to file frequent claims, you can look forward to higher premiums or even policy non-renewal. Car insurance companies generally give the best rates to people that do not abuse their auto insurance. Your insurance policy is intended for more catestrophic claims.
• Do you know you’re credit history? – Having a bad credit score will be a significant factor in calculating your insurance rates. So if your credit score is not that good, you may save money insuring your 2009 Dodge Charger if you clean up your credit. Consumers who have high credit scores tend to be better drivers and file fewer claims as compared to drivers with lower credit scores.

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How to buy car insurance online

Lowering your 2009 Dodge Charger car insurance rates is a great way to save money. The only thing you need to do is invest a few minutes to compare rate quotes online with multiple companies. Insurance prices can be quoted in a couple of different ways.

1. Hands down the most simple method to find low rates is a comparison rater form click here to open form in new window. This method eliminates the need for repetitive form submissions for every company. One simple form gets you coverage quotes from several companies.
2. A slightly less efficient method to find lower rates requires visiting the website of each company and fill out their own quote form. For examples sake, let’s say you want to view quotes from Farmers, Esurance and Liberty Mutual. To find out each rate you need to take the time to go to each site to enter your coverage information, which can get old fast.

   For a list of links to insurance companies in your area, click here.

3. The old school way to do your price quoting is making phone calls or going to insurance agencies in your area. The ability to quote online eliminates the need for an insurance agent unless you have a need for the professional assistance of a local agent. Although you can comparison shop online but purchase the actual policy in an agency.

Whichever method you choose, make sure you compare equivalent deductibles and coverage limits for every quote you compare. If you are comparing different coverage information it’s impossible to find the best deal for your Dodge Charger.

Slick advertising tricks that work

Consumers can’t ignore all the ads for insurance coverage savings by companies like 21st Century, Allstate and State Farm. They all seem to convey the message about how much you will save if you get a free car insurance quote and switch your coverage.

How is it possible that every company can make the same claim? Here is how they do it.

Many companies have strict underwriting profiles for a prospective insured they prefer to insure. A good example of a driver they prefer could possibly be between the ages of 30 and 45, has a clean driving record, and drives a safe vehicle. A propective insured who fits those characteristics will probably get the lowest car insurance rates and as a result will probably pay quite a bit less when switching companies.

People who are not a match for this ideal profile may receive higher prices which results in the prospect going elsewhere. The wording the ads use say “customers who switch” not “all people who quote” will save that much if they switch. This is how companies can make claims like that. This really illustrates why drivers should get car insurance quotes from several different companies. It’s not possible to predict the company that will have the lowest premium rates for your situation.

Are you earning every discount?

Some providers don’t always publicize all their discounts very clearly, so the next list breaks down a few of the more well known as well as some of the hidden credits available to lower your premiums when you buy car insurance online. If you aren’t receiving every discount available, you could be paying more than you need to.

• Own a Home and Save – Just being a homeowner can help you save on car insurance because owning a home means you have a higher level of financial diligence.
• Professional Memberships – Joining qualifying employment or professional organizations is a simple method to lower premiums when shopping for car insurance.
• Discount for Multiple Policies – If you combine your auto and home policies with one company you could get a discount of up to 20% and get you low cost car insurance.
• Claim-Free Discount – Good drivers with no accidents pay much less when compared with drivers with a long claim history.
• Discounts for Government Workers – Having worked for a branch of the government can earn a discount up to 10% for Charger coverage depending on your car insurance provider.
• More Vehicles More Savings – Drivers who insure more than one vehicle with the same company can reduce the rates for all insured vehicles.
• Save over 55 – If you’re over the age of 55, you may receive a small decrease in premiums for Charger coverage.
• Passive Restraints and Air Bags – Options like air bags or motorized seat belts may earn rate discounts of more than 20%.
• Auto/Life Discount – Some insurance companies give a discounted rate on car insurance if you buy auto and life insurance together.
• Driver’s Ed – Cut your cost by having your teen driver sucessfully take a drivers education course if it’s offered in school.

Discounts lower rates, but most discounts do not apply to the overall cost of the policy. Some only reduce specific coverage prices like liability and collision coverage. Just because you may think you could get a free car insurance policy, companies wouldn’t make money that way.

If you would like to see a list of car insurance companies who offer free car insurance quotes, click this link.

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When in doubt talk to an agent

When it comes to buying coverage for your vehicles, there isn’t really a best way to insure your cars. Every situation is different so your insurance should reflect that These are some specific questions can help discover if you would benefit from an agent’s advice.

• Can I get a multi-policy discount for packaging my home and auto coverage?
• Do I need replacement cost coverage on my 2009 Dodge Charger?
• What vehicles should carry emergency assistance coverage?
• Do I need to file an SR-22 for a DUI in my state?
• What is high-risk coverage and where do I buy it?
• Can I get a multi-policy discount?

If it’s difficult to answer those questions but a few of them apply, then you may want to think about talking to an agent. If you don’t have a local agent, fill out this quick form or click here for a list of auto insurance companies in your area. It’s fast, doesn’t cost anything and you can get the answers you need.

Coverages available on your policy

Understanding the coverages of your policy can help you determine the right coverages and proper limits and deductibles. The terms used in a policy can be confusing and coverage can change by endorsement. These are typical coverage types found on the average insurance policy.

Collision protection

Collision insurance will pay to fix damage to your Charger caused by collision with a stationary object or other vehicle. A deductible applies then your collision coverage will kick in.

Collision coverage protects against things such as crashing into a building, crashing into a ditch and scraping a guard rail. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are older. Drivers also have the option to increase the deductible to save money on collision insurance.

Comprehensive auto coverage

This will pay to fix damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive coverage pays for things like falling objects, a tree branch falling on your vehicle and hail damage. The maximum payout your insurance company will pay is the ACV or actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Liability auto insurance

Liability insurance provides protection from damage that occurs to other people or property by causing an accident. This insurance protects YOU against other people’s claims. Liability doesn’t cover your injuries or vehicle damage.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see policy limits of 25/50/25 which means $25,000 in coverage for each person’s injuries, a per accident bodily injury limit of $50,000, and a total limit of $25,000 for damage to vehicles and property.

Liability can pay for things like loss of income, pain and suffering, court costs, bail bonds and attorney fees. The amount of liability coverage you purchase is a decision to put some thought into, but it’s cheap coverage so purchase as much as you can afford.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This provides protection from other motorists when they are uninsured or don’t have enough coverage. It can pay for 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, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important.

Medical payments and PIP coverage

Coverage for medical payments and/or PIP pay for expenses like chiropractic care, X-ray expenses, EMT expenses, rehabilitation expenses and doctor visits. The coverages can be used to cover expenses not covered by your health insurance plan or if there is no health insurance coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants and will also cover any family member struck as a pedestrian. Personal injury protection coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage

Have money to burn

Some companies may not have price quotes online and most of the time these smaller providers provide coverage only through independent insurance agencies. The cheapest 2009 Dodge Charger insurance is attainable online and from local insurance agents, so you should be comparing quotes from both to have the best rate selection.

You just learned quite a bit of information on how to lower your 2009 Dodge Charger insurance auto insurance rates. It’s most important to understand that the more rate comparisons you have, the better likelihood of getting low cost car insurance. Consumers may even find the lowest auto insurance rates are with a lesser-known regional company. They may often insure only within specific states and give getter rates as compared to the big name companies such as Progressive or Geico.

Much more information about car insurance is located at the links below

• Alcohol Impaired Driving FAQ (iihs.org)
• Tools for Teen Driving Safety (State Farm)
• All About Airbag Safety (State Farm)
• How Can I Save Money on Auto Insurance? (Insurance Information Insitute)
• Learn About Car Insurance (Geico)
• Property Damage Coverage (Liberty Mutual)

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