Lower Your 2011 Dodge Charger Car Insurance Quotes

Searching for cheaper insurance rates for your Dodge Charger? I really doubt anyone rejoices having to buy insurance, especially when their premiums are through the roof. Many insurers vie for your hard-earned dollar, and it can be difficult to compare rates to find the best rate

If you are insured now or are looking for a new policy, you can use this information to get lower rates while maximizing coverage. Buying car insurance is easy if you know what you’re doing. Drivers just need to learn how to find the lowest price online.

How to shop insurance online

Lowering your 2011 Dodge Charger insurance rates is not rocket science. You just have to take the time to compare free insurance quotes to find the company with cheap insurance quotes. Shoppers can get rates in a couple of different ways.

The best way to find low rates is a comparison rater form click to view form in new window. This easy form saves time by eliminating repetitive form entry for each price estimate. In just a few minutes this one form will get you rate comparisons from many national carriers.

Another way to find lower rates is to manually visit the website for every company you want to comare and get a separate price quote. For sake of this example, let’s assume you want rates from Nationwide, Geico and Farmers. To find out each rate you need to visit each site to enter the same coverage data repeatedly, which explains why we recommend starting with the first method. To view a list of companies in your area, click here.

The approach you take is up to you, just try to use apples-to-apples information with every price quote. If your comparisons have different values for each quote it will be impossible to get a fair rate comparison.

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Verify you’re getting every discount

Auto insurance is not cheap nor is it fun to buy but you might be missing out on some discounts to help offset the cost. Certain discounts will be triggered automatically when you quote, but a few must be asked for before you will receive the discount.

• Driving Data Discount – Policyholders that allow their company to track when and where they use their vehicle by using a telematics device in their vehicle such as State Farm’s In-Drive could save a few bucks if they are good drivers.
• Federal Government Employee – Simply working for the federal government could cut as much as 10% off for Charger insurance but check with your company.
• Early Switch Discount – Some insurance companies give discounts for switching policies prior to the expiration date on your current policy. It could save around 10% when you buy insurance online.
• Student Discount for Driver Training – It’s a good idea to have your young drivers successfully complete driver’s ed class in school or through a local driver safety program.
• Multiple Cars – Buying a policy with all your vehicles on one policy may reduce the rate for each vehicle.

As is typical with insurance, some of the credits will not apply the the whole policy. Most only reduce the price of certain insurance coverages like medical payments or collision. Despite the fact that it seems like you could get a free auto insurance policy, it’s just not the way it works.

Popular auto insurance companies and their possible discounts are included below.

• Mercury Insurance may offer discounts for type of vehicle, low natural disaster claims, annual mileage, accident-free, and anti-theft.
• Farmers Insurance offers premium reductions for homeowner, pay in full, business and professional, switch companies, youthful driver, mature driver, and alternative fuel.
• Farm Bureau may have discounts that include renewal discount, multi-vehicle, good student, 55 and retired, driver training, multi-policy, and youthful driver.
• State Farm includes discounts for good driver, anti-theft, passive restraint, student away at school, safe vehicle, driver’s education, and multiple policy.
• Allstate may include discounts for good student, auto/life discount, senior citizen, EZ pay plan discount, economy car, and teenSMART discount.
• Geico offers discounts including daytime running lights, anti-theft, membership and employees, multi-vehicle, and defensive driver.

Before purchasing a policy, check with every prospective company which discounts can lower your rates. Some discounts listed above may not apply to policyholders everywhere. To view auto insurance companies that have a full spectrum of discounts, click here to view.

When should I discuss my situation with an agent?

When choosing proper insurance coverage, there really is no single plan that fits everyone. Every situation is different so this has to be addressed. Here are some questions about coverages that may help you determine whether or not you would benefit from professional advice.

• Do I have coverage when using my vehicle for my home business?
• Am I covered if I hit my neighbor’s mailbox?
• How high should my uninsured/underinsured coverage be in my state?
• Should I buy only the required minimum liability coverage?
• When should I not file a claim?
• Do I have newly-aquired coverage?

If you’re not sure about those questions but you know they apply to you, then you may want to think about talking to an agent. To find an agent in your area, take a second and complete this form or click here for a list of auto insurance companies in your area. It is quick, free and may give you better protection.

Learn how to lower your insurance rates

Consumers need to have an understanding of some of the factors that are used to determine your policy premiums. If you have some idea of what determines premiums, this empowers consumers to make smart changes that will entitle you to lower rates.

• Cheaper premiums with safer cars – Vehicles that have high safety ratings tend to have better insurance rates. Safer cars reduce injuries and reduced instances of injuries means lower claim amounts and lower rates for you.
• Where you live can affect costs – Having an address in less populated areas of the country is a good thing when insuring your vehicles. Less people living in that area translates into fewer accidents and lower theft and vandalism rates. People who live in big cities have to deal with more aggressive driving styles and higher rates of accident claims. Higher commute times means more chance of being in an accident.
• Job stress can affect auto insurance rates – Did you know your job can affect your rates? Jobs such as lawyers, architects and miners are shown to have higher rates than average because of stressful work requirements and lengthy work days. Conversely, jobs like farmers, athletes and homemakers generally pay rates lower than average for Charger insurance.
• Uninterrupted coverage lowers prices – Going without insurance is a guaranteed way to increase your auto insurance rates. Not only will you pay more, failure to provide proof of insurance might get you fines or a revoked license. You will then be forced to provide proof of insurance in the form of an SR-22 filing with your state department of motor vehicles.
• High credit score translates to low costs – A driver’s credit score factor in your rate calculation. If your credit score can use some improvement, you could potentially save money when insuring your 2011 Dodge Charger by taking the time to improve your credit score. Drivers who have good credit tend to file fewer claims than those with worse credit.
• Prevent theft and save – Purchasing a vehicle with advanced anti-theft systems can help lower your premiums. Theft prevention devices such as vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems all hinder your car from being stolen.

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Don’t be fooled by advertising claims

Drivers constantly see and hear ads for the lowest price insurance from the likes of Geico, State Farm and Progressive. They all make an identical promise that drivers can save some big amount just by switching your coverage.

How is it possible that every company can make the same claim? It’s all in the numbers.

Companies are able to cherry pick for the right customer that will be a good risk. A good example of this type of driver might be over age 30, has a clear driving record, and does not commute to work. A customer that fits those parameters will probably get the lowest premium rates and most likely will save if they switch.

Potential customers who don’t measure up to the ideal profile will see higher premiums and this can result in business going elsewhere. The ads say “people who switch” not “everybody who quotes” save that much money. This is how companies can claim big savings.

Because of these techniques, you really need to compare free insurance quotes often. It is impossible to predict the company that will be your best fit.

Information about specific coverages

Understanding the coverages of a auto insurance policy aids in choosing the best coverages for your vehicles. The coverage terms in a policy can be impossible to understand and reading a policy is terribly boring. Listed below are typical coverage types found on the average auto insurance policy.

Coverage for collisions

This coverage will pay to fix damage to your Charger resulting from a collision with another car or object. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against claims like scraping a guard rail, colliding with another moving vehicle, rolling your car, damaging your car on a curb and colliding with a tree. Paying for collision coverage can be pricey, so you might think about dropping it from vehicles that are older. Another option is to bump up the deductible to bring the cost down.

Comprehensive auto insurance

Comprehensive insurance coverage pays for damage that is not covered by collision coverage. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive insurance covers things like damage from getting keyed, rock chips in glass and damage from a tornado or hurricane. The highest amount your auto insurance company will pay is the actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Coverage for uninsured or underinsured drivers

Uninsured or Underinsured Motorist coverage provides protection from other motorists when they do not carry enough liability coverage. Covered losses include injuries sustained by your vehicle’s occupants as well as damage to your Dodge Charger.

Since a lot of drivers carry very low liability coverage limits, their limits can quickly be used up. So UM/UIM coverage is important protection for you and your family. Normally your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.

Coverage for medical expenses

Personal Injury Protection (PIP) and medical payments coverage kick in for immediate expenses like prosthetic devices, X-ray expenses and EMT expenses. They can be used to fill the gap from your health insurance plan or if you lack health insurance entirely. It covers both the driver and occupants in addition to any family member struck as a pedestrian. PIP coverage is only offered in select states and may carry a deductible

Liability

Liability coverage can cover damages or injuries you inflict on other people or property by causing an accident. It protects you from claims by other people. Liability doesn’t cover damage sustained by your vehicle in an accident.

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 values of 100/300/100 that translate to a $100,000 limit per person for injuries, a per accident bodily injury limit of $300,000, and property damage coverage for $100,000. Alternatively, you may have one limit called combined single limit (CSL) which combines the three limits into one amount rather than limiting it on a per person basis.

Liability coverage pays for things such as loss of income, medical services and repair costs for stationary objects. How much coverage you buy is up to you, but you should buy as large an amount as possible.

Shop smart and save

Budget-conscious 2011 Dodge Charger insurance is definitely available online as well as from insurance agents, and you should compare rates from both so you have a total pricing picture. Some insurance companies may not offer online quoting and these small insurance companies only sell through independent insurance agencies.

We just covered some good ideas how you can lower your 2011 Dodge Charger insurance rates. The key concept to understand is the more times you quote, the higher the chance of saving money. You may even find the best price on car insurance is with some of the lesser-known companies. These companies may only write in your state and offer lower auto insurance rates as compared to the big name companies such as State Farm, Geico and Nationwide.

Much more information about car insurance can be read at these links:

• Steps to Take After an Auto Accident (Insurance Information Insitute)
• Teen Driving and Texting (State Farm)
• Protect Yourself Against Auto Theft (Insurance Information Insitute)
• Vehicle Insurance in the U.S. (Wikipedia)
• What is Covered by an Auto Insurance Policy? (Insurance Information Insitute)
• A Tree Fell on Your Car: Now What? (Allstate)

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