Save on 2016 Dodge Charger Car Insurance Quotes

Finding low-cost insurance for a new or used Dodge Charger could be difficult, but you can follow the following methods to make it easier.

There is a right way and a wrong way to compare insurance coverage rates and we’ll show you the absolute fastest way to compare rates on a Dodge and locate the cheapest rates.

More discounts mean affordable premiums

Companies offering auto insurance don’t always list all available discounts very clearly, so the list below gives a summary of a few of the more common and also the more inconspicuous car insurance savings.

• Discounts for Safe Drivers – Drivers without accidents may receive a discount up to 45% on Charger insurance than drivers with accidents.
• No Accidents – Drivers with accident-free driving histories can earn big discounts when compared to frequent claim filers.
• Include Life Insurance and Save – Larger companies have a break if you buy some life insurance too.
• Drive Less and Save – Low annual miles could be rewarded with better car insurancerates on cars that stay parked.
• Anti-lock Brakes – Anti-lock brake equipped vehicles can stop better under adverse conditions and therefore earn up to a 10% discount.

While discounts sound great, it’s important to understand that most discount credits are not given the the whole policy. Most only apply to the price of certain insurance coverages like medical payments or collision. So even though they make it sound like it’s possible to get free car insurance, you’re out of luck.

A partial list of companies that may offer most of these discounts possibly include:

• State Farm
• American Family
• Geico
• 21st Century
• Progressive

If you need lower rates, check with each company how many discounts you can get. Discounts may not apply to policyholders in your state. To see a list of car insurance companies that can offer you the previously mentioned discounts, click here to view.

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How to get insurance price quotes

Shopping for lower insurance rates can be exhausting if you don’t utilize the easiest way. You could waste a few hours discussing policy coverages with agents in your area, or you could save time and use the web to maximize your effort.

All the larger companies belong to an insurance system that allows shoppers to send in one quote, and each participating company can provide price quotes based on the submitted data. This saves time by eliminating quotation requests to each individual insurance company.

To get comparison pricing now click to open in new window.

The single downside to pricing coverage this way is that you can’t choose the companies you want pricing from. So if you want to choose specific insurance companies for rate comparison, we have assembled a list of low cost insurance companies in your area. Click here to view list.

How you compare quotes is your choice, just try to use nearly identical coverage data for every company. If your comparisons have different deductibles then you won’t be able to make an equal comparison.

How car insurance companies calculate Dodge Charger insurance costs

Many different elements are part of the calculation when quoting car insurance. A few of the factors are predictable such as your driving history, although some other factors are less obvious such as your marital status or your vehicle rating.It’s important that you understand the factors that play a part in calculating your car insurance rates. When consumers understand what controls the rates you pay, this enables informed choices that will entitle you to lower car insurance prices.

• Annual miles impacts costs – The more you drive your Dodge every year the higher your rate. Most insurance companies charge rates partially by how you use the vehicle. Autos that sit idle most of the time get more affordable rates than those used for commuting. It’s a good idea to make sure your car insurance policy states annual mileage, because improper ratings can cost you money. An incorrectly rated Charger is just wasting money.
• Traffic violations can be expensive – Having a single speeding ticket can increase rates twenty percent or more. Attentive drivers have lower premiums than their less careful counterparts. People who have dangerous violations such as DUI or willful reckless driving may need to prove financial responsibility with their state motor vehicle department in order to drive a vehicle legally.
• Insurance rates for married couples – Getting married may save some money compared to being single. Having a significant other demonstrates that you tend to be more mature and statistics show married drivers get in fewer accidents.
• Never let your policy expire – Driving without insurance is illegal and as a result your rates will increase for letting your insurance coverage expire. Not only will rates go up, getting caught without coverage may earn you a fine, jail time, or a revoked license.
• Compare rates if you bundle your policies – Most major insurance companies allow lower prices for people who have multiple policies with them. It’s known as a multi-policy discount. Even if you qualify for this discount already, you may still want to compare other company rates to help ensure you have the lowest rates. You may still save even more by insuring with multiple companies.

It’s not one size fits all

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

For example, these questions might help in determining if your situation might need professional guidance.

• Does insurance cover damages from a DUI accident?
• What if I total my 2016 Dodge Charger and owe more than it’s worth?
• Does my insurance cover a custom paint job?
• Does my policy cover my teen driver if they drive my company car?
• Do I need replacement cost coverage?
• What is medical payments coverage?

If you don’t know the answers to these questions but a few of them apply, you might consider talking to a licensed insurance agent. If you want to speak to an agent in your area, take a second and complete this form. It only takes a few minutes and can help protect your family.

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Auto insurance coverage considerations

Understanding the coverages of a auto insurance policy aids in choosing the best coverages at the best deductibles and correct limits. The terms used in a policy can be confusing and even agents have difficulty translating policy wording.

Comprehensive coverage (or Other than Collision) – Comprehensive insurance coverage will pay to fix damage that is not covered by collision coverage. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for things like damage from getting keyed, rock chips in glass, theft, damage from flooding and vandalism. The highest amount you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle’s value is low consider dropping full coverage.

Uninsured Motorist or Underinsured Motorist insurance – Your UM/UIM coverage protects you and your vehicle’s occupants from other drivers when they are uninsured or don’t have enough coverage. It can pay for medical payments for you and your occupants and damage to your Dodge Charger.

Due to the fact that many drivers carry very low liability coverage limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages should not be overlooked. Normally your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.

Collision – This coverage covers damage to your Charger caused by collision with an object or car. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for claims like driving through your garage door, colliding with a tree, scraping a guard rail, colliding with another moving vehicle and crashing into a building. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are 8 years or older. It’s also possible to raise the deductible in order to get cheaper collision rates.

Liability – Liability insurance will cover damage or injury you incur to other people or property by causing an accident. It protects YOU from legal claims by others. Liability doesn’t cover damage to your own property or vehicle.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see policy limits of 50/100/50 which stand for $50,000 in coverage for each person’s injuries, a total of $100,000 of bodily injury coverage per accident, and property damage coverage for $50,000. Alternatively, you may have one limit called combined single limit (CSL) that pays claims from the same limit with no separate limits for injury or property damage.

Liability insurance covers things like emergency aid, repair bills for other people’s vehicles, legal defense fees and court costs. The amount of liability coverage you purchase is your choice, but it’s cheap coverage so purchase higher limits if possible.

Insurance for medical payments – Coverage for medical payments and/or PIP reimburse you for immediate expenses such as X-ray expenses, hospital visits, surgery, ambulance fees and doctor visits. They are often used to cover expenses not covered by your health insurance plan or if you lack health insurance entirely. Coverage applies to not only the driver but also the vehicle occupants and also covers getting struck while a pedestrian. Personal injury protection coverage is not an option in every state but can be used in place of medical payments coverage

Quote more, save more

In this article, we presented many tips how you can save on 2016 Dodge Charger insurance. It’s most important to understand that the more providers you compare, the higher your chance of finding inexpensive auto insurance. You may even find the lowest auto insurance rates are with a small local company.

As you shop your coverage around, never buy less coverage just to save a little money. In many cases, someone sacrificed uninsured motorist or liability limits and discovered at claim time that it was a big mistake. The ultimate goal is to buy the best coverage you can find at the best price, but do not skimp to save money.

Lower-priced 2016 Dodge Charger insurance is possible on the web in addition to local insurance agencies, and you should be comparing both to have the best rate selection. Some car insurance companies may not offer the ability to get a quote online and many times these smaller providers work with independent agents.

For more information, feel free to visit the resources below:

• Protecting Teens from Drunk Driving (Insurance Information Insitute)
• Event Data Recorders FAQ (iihs.org)
• Teen Driving and Texting (State Farm)
• Vehicle Insurance in the U.S. (Wikipedia)
• Frontal Crash Tests (iihs.org)
• Auto Crash Statistics (Insurance Information Insitute)

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