2010 Dodge Charger Insurance Quotes – 6 Policy Discounts

Do you get exhausted from sacrificing other expenses to keep your car insured? You are in the same boat as many other drivers. Insurance companies such as State Farm, Progressive and Geico all claim big savings with TV and radio ads and it can be hard to ignore the propoganda and take the time to shop coverage around.

If you have insurance now or are just looking to switch companies, you can use this information to reduce the price you pay and possibly find even better coverage. Choosing the best insurance company for you is easy if you know what you’re doing. Consumers just need to understand the tricks to compare price quotes over the internet.

Affordable insurance

Cutting your insurance rates is not rocket science. Consumers just need to spend a few minutes on the computer comparing free auto insurance quotes to find out which insurance company has cheaper auto insurance quotes. Price comparisons can be done in just a few minutes using one of these methods.

1. The easiest and least time consuming way to find the lowest comparison rates is an all-inclusive rate comparison click to view form in new window. This easy form saves time by eliminating repetitive form entry to each individual insurance company. One form submission will get you price quotes from many national carriers.
2. A slightly less efficient method to analyze rates is to take the time to go to each company’s website and complete a new quote form. For examples sake, we’ll assume you want to compare prices for State Farm, Esurance and Geico. To get rate quotes you would need to take the time to go to each site and enter your policy data, which can take a lot of time.

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

3. The last method to compare price quotes is physically going to and from local insurance agencies. Comparing rates online has reduced the need for local agents unless you require the professional guidance of an agent trained in personal lines coverage. You can, however, price shop online but buy from a local insurance agent.

It’s up to you which method you use, but compare the same coverage information on every quote you get. If you are comparing higher or lower deductibles you will not be able to get a fair rate comparison.

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Find discounts on car insurance

Car insurance companies don’t necessarily list every discount they offer in a way that’s easy to find, so the next list breaks down both well-publicized as well as some of the hidden credits available to bring down your rates.

• Multi-policy Discount – If you have multiple policies with one company you could get a discount of approximately 10% to 15%.
• Low Miles Discount – Low annual miles may allow you to get discounted prices on garaged vehicles.
• Include Life Insurance and Save – Larger car insurance companies have a small discount if you purchase life insurance.
• Use Seat Belts – Requiring all passengers to use a seat belt can save up to 15% on medical payment and PIP coverage.
• Military Deployment Discount – Being deployed with a military unit can result in better car insurance rates.
• Waiver for an Accident – Not necessarily a discount, but companies like State Farm, Progressive and Geico will let one accident slide before they charge you more for coverage if you have no claims for a set time period.

It’s important to understand that many deductions do not apply to all coverage premiums. Some only reduce the cost of specific coverages such as liability, collision or medical payments. Just because it seems like adding up those discounts means a free policy, you won’t be that lucky.

A list of car insurance companies and some of the discounts can be found below.

• Geico offers premium reductions for five-year accident-free, multi-vehicle, federal employee, multi-policy, emergency military deployment, defensive driver, and driver training.
• Auto-Owners Insurance may include discounts for mature driver, student away at school, air bags, safe vehicle, and anti-theft.
• American Family has savings for defensive driver, accident-free, good student, Steer into Savings, and mySafetyValet.
• Esurance discounts include defensive driver, online quote, multi-policy, DriveSense, anti-theft, anti-lock brakes, and renters.
• Progressive has discounts for homeowner, continuous coverage, online quote discount, good student, multi-vehicle, online signing, and multi-policy.
• State Farm offers discounts for anti-theft, defensive driving training, Drive Safe & Save, Steer Clear safe driver discount, student away at school, and safe vehicle.
• AAA may have discounts that include multi-car, anti-theft, AAA membership discount, pay-in-full, good student, and multi-policy.

Before buying, ask all the companies to apply every possible discount. Depending on the company, some discounts might not apply in your area. To view insurance companies with the best car insurance discounts, click here.

Tailor your insurance coverage coverage to you

When it comes to buying the best insurance coverage coverage for your personal vehicles, there is no single plan that fits everyone. Every insured’s situation is different and a cookie cutter policy won’t apply. For example, these questions might point out whether or not you might need professional guidance.

• Am I covered if I hit my neighbor’s mailbox?
• Is my 2010 Dodge Charger covered for smoke damage?
• Are there companies who specialize in insuring high-risk drivers?
• Is a fancy paint job covered?
• Will my insurance pay for OEM parts?
• Do I have coverage when using my vehicle for my home business?
• How many claims can I have before being cancelled?
• Do I benefit by insuring my home with the same company?
• Should I get collision insurance on every vehicle?
• What is an SR-22 filing?

If you don’t know the answers to these questions but you know they apply to you then you might want to talk to an insurance agent. To find an agent in your area, simply complete this short form or go to this page to view a list of companies. It’s fast, doesn’t cost anything and can help protect your family.

Coverage specifics

Learning about specific coverages of your car insurance policy can help you determine the best coverages and proper limits and deductibles. Policy terminology can be ambiguous and nobody wants to actually read their policy. Shown next are typical coverages found on the average car insurance policy.

Coverage for uninsured or underinsured drivers – Your UM/UIM coverage gives you protection when the “other guys” are uninsured or don’t have enough coverage. Covered losses include hospital bills for your injuries as well as your vehicle’s damage.

Since a lot of drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is important protection for you and your family.

Comprehensive car insurance – This coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive coverage protects against things like fire damage, falling objects, damage from a tornado or hurricane, damage from flooding and rock chips in glass. The maximum payout a car insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Coverage for medical expenses – Personal Injury Protection (PIP) and medical payments coverage reimburse you for bills for things like rehabilitation expenses, pain medications and EMT expenses. The coverages can be used to fill the gap from your health insurance policy or if you do not have health coverage. Coverage applies to you and your occupants as well as getting struck while a pedestrian. PIP is only offered in select states but can be used in place of medical payments coverage

Collision – Collision insurance pays for damage to your Charger from colliding with a stationary object or other vehicle. You have to pay a deductible and then insurance will cover the remainder.

Collision can pay for things such as damaging your car on a curb, colliding with another moving vehicle, driving through your garage door, crashing into a ditch and sideswiping another vehicle. This coverage can be expensive, so consider dropping it from lower value vehicles. Another option is to raise the deductible to save money on collision insurance.

Liability insurance – Liability insurance will cover damage or injury you incur to other people or property by causing an accident. This insurance protects YOU against claims from other people, and does not provide coverage for your injuries or vehicle damage.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have values of 50/100/50 which stand for a limit of $50,000 per injured person, $100,000 for the entire accident, and a limit of $50,000 paid for damaged property.

Liability insurance covers things like loss of income, repair bills for other people’s vehicles and legal defense fees. How much liability coverage do you need? That is a personal decision, but buy as much as you can afford.

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Shop around and save

Cheap 2010 Dodge Charger insurance can be sourced on the web in addition to many insurance agents, so you should be comparing quotes from both to get a complete price analysis. Some auto insurance companies do not offer price quotes online and these smaller providers only sell coverage through independent insurance agencies.

When you buy auto insurance online, do not skimp on critical coverages to save a buck or two. There are a lot of situations where an insured dropped uninsured motorist or liability limits to discover at claim time that the small savings ended up costing them much more. Your objective should be to get the best coverage possible at the best price.

More information can be read at the links below

• Auto Insurance Basics (Insurance Information Insitute)
• Distracted Driving (Insurance Information Insitute)
• How do I File a Claim? (Insurance Information Insitute)
• Choosing a Car for Your Teen (State Farm)
• Prom Night Tips for Teen Drivers (State Farm)

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