Cheap 2008 Dodge Charger Insurance Cost

Shoppers have a choice when shopping for the best price on Dodge Charger insurance. You can either waste hours driving around getting price quotes or use the internet to compare rates.

There are more efficient ways to find auto insurance online and we’ll show you the absolute fastest way to quote coverages on a Dodge and find the cheapest rates from both online companies and local agents.

The purpose of this post is to tell you how to get online quotes and some tricks to saving. If you currently have car insurance, you stand a good chance to be able to cut costs considerably using these tips. Drivers just need to understand the tricks to compare price quotes online.

These discounts can lower your car insurance rates

Auto insurance companies don’t necessarily list the entire discount list in an easy-to-find place, so we break down some of the more common and also the more inconspicuous credits available to bring down your rates. If they aren’t giving you every credit possible, you are not getting the best rate possible.

• Anti-theft System – Cars with anti-theft systems prevent vehicle theft so companies will give you a small discount.
• Distant Student – Kids who attend college more than 100 miles from home and do not have a car can be insured at a reduced rate.
• Lower Rates for Military – Being deployed in the military can result in better premium rates.
• Air Bags and Passive Restraints – Factory air bags or motorized seat belts may qualify for discounts of 20 to 30 percent.
• ABS Braking Discount – Cars with ABS braking systems or traction control can avoid accidents and the ABS can save up to 10%.
• Mature Driver Discount – Seniors can possibly qualify for better car insurance rates on Charger insurance.

Discounts reduce rates, but you should keep in mind that most of the big mark downs will not be given to all coverage premiums. Most cut the price of certain insurance coverages like collision or personal injury protection. So even though it sounds like adding up those discounts means a free policy, you won’t be that lucky.

To see a list of providers that have a full spectrum of discounts, click here to view.

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How to buy insurance online

There are a variety of methods to shop for insurance, but some are less time-consuming than others. You could spend the better part of a day talking about coverages with local insurance agents in your area, or you can utilize the internet to get rate comparisons in just a few minutes.

Most of the larger companies take part in a program that allows shoppers to enter their coverage request one time, and at least one company provides a quote based on that data. This prevents consumers from doing form submissions to each individual insurance company.

To find out how much you’re overpaying now click to open in new window.

The only downside to doing it this way is you cannot specify the providers to get pricing from. If you wish to select specific providers for rate comparison, we put together a list of low cost insurance companies in your area. Click here for list of insurance companies.

Take whichever approach you prefer, but make sure you use apples-to-apples quote data for every quote you compare. If you are comparing different values for each quote you can’t possibly make a fair comparison for your Dodge Charger.

How insurance companies calculate Dodge Charger insurance rates

Part of the car insurance buying process is learning some of the factors that help determine your policy premiums. If you have some idea of what impacts premium levels, this allows you to make good choices that can help you get better car insurance rates. Lots of things are considered when you get a price on insurance. Some factors are common sense such as your driving history, but other factors are more transparent like where you live and annual miles driven.

The list below includes some of the major factors that factor into your rates.

• With age comes lower premiums – More mature drivers are more responsible, tend to cause fewer accidents .Beginning drivers have been known to be less responsible when driving so car insurance rates are higher.
• Do you really need roadside assistance? – There are many extra coverages you can purchase if you aren’t careful. Coverages like replacement cost coverage, accidental death, and motor club memberships are some examples. You may think they are a good idea when talking to your agent, but your money might be better spent on other coverage so remove them from your policy.
• Save annual miles and save money – The more you drive your Dodge every year the more it will cost to insure it. Most insurance companies charge rates based upon how the vehicle is primarily used. Autos used primarily for pleasure use cost less to insure than vehicles that have high annual mileage. It’s always a good idea to double check that your vehicle rating states the correct usage. An improperly rated Charger is just wasting money.
• Higher deductibles cost less – Comprehensive and collision coverage deductibles are how much you are required to spend out-of-pocket before your car insurance pays a claim. Protection for physical damage, also called comprehensive and collision insurance, insures against damage to your car. Some instances where coverage would apply are a windshield broken by a bird, fire damage, and having a roll-over accident. The more of the claim you pay before a claim is paid (deductible), the bigger discount you will receive on Charger insurance.
• Lower rates with alarms and GPS tracking – Selecting a car model with anti-theft technology or alarm system can get you a discount on your car insurance. Advanced theft deterrents like GM’s OnStar, tamper alarm systems and vehicle immobilizers all help prevent your car from being stolen.
• Men drivers tend to cost more – Over the last 50 years, statistics have shown females are less aggressive when driving. It does not mean women are BETTER drivers than men. Women and men have at-fault accidents in similar numbers, but men cause more damage. Men also statistically receive more costly citations such as reckless driving.
• Your career may increase prices – Did you know your car insurance rates can be affected by your occupation? Careers like military generals, social workers and emergency personnel usually pay higher rates than average attributed to high stress levels and incredibly demanding work hours. Other occupations like professors, students and performers pay the least on Charger insurance.

Different people need different auto insurance coverages

When buying proper insurance coverage for your personal vehicles, there isn’t really a perfect coverage plan. Every insured’s situation is different.

For example, these questions can aid in determining whether or not you might need professional guidance.

• Is my Dodge Charger covered if I use it for business?
• Do I need replacement cost coverage?
• What are the financial responsibility laws in my state?
• Is rental equipment covered for theft or damage?
• Are split liability limits better than a combined single limit?
• When should I drop full coverage on my 2008 Dodge Charger?
• What is high-risk coverage and where do I buy it?
• Is business property covered if stolen from my car?

If you’re not sure about those questions but one or more may apply to you, you might consider talking to an insurance agent. If you want to speak to an agent in your area, simply complete this short form. It only takes a few minutes and may give you better protection.

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The coverage is in the details

Having a good grasp of a insurance policy aids in choosing the right coverages and proper limits and deductibles. The coverage terms in a policy can be confusing and reading a policy is terribly boring.

Uninsured/Underinsured Motorist (UM/UIM) – Your UM/UIM coverage protects you and your vehicle when the “other guys” either are underinsured or have no liability coverage at all. Covered losses include medical payments for you and your occupants as well as damage to your Dodge Charger.

Due to the fact that many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is very important. Usually your uninsured/underinsured motorist coverages are set the same as your liablity limits.

Collision coverage – This will pay to fix damage to your Charger caused by collision with another car or object. A deductible applies then the remaining damage will be paid by your insurance company.

Collision coverage protects against things like scraping a guard rail, rolling your car, driving through your garage door, hitting a mailbox and sideswiping another vehicle. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Another option is to raise the deductible to bring the cost down.

Med pay and Personal Injury Protection (PIP) – Medical payments and Personal Injury Protection insurance reimburse you for bills for things like doctor visits, surgery, EMT expenses, ambulance fees and hospital visits. They are often used to fill the gap from your health insurance plan or if there is no health insurance coverage. It covers all vehicle occupants as well as being hit by a car walking across the street. Personal Injury Protection is not universally available but it provides additional coverages not offered by medical payments coverage

Comprehensive insurance – This covers damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive coverage protects against claims like fire damage, theft and damage from getting keyed. The maximum payout your insurance company will pay is the actual cash value, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Liability insurance – This can cover damage or injury you incur to other’s property or people in an accident. It protects YOU from legal claims by others. It does not cover damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show policy limits of 50/100/50 which stand for a limit of $50,000 per injured person, a limit of $100,000 in injury protection per accident, and property damage coverage for $50,000. Some companies may use a combined limit which limits claims to one amount with no separate limits for injury or property damage.

Liability coverage protects against things such as court costs, repair bills for other people’s vehicles and structural damage. How much coverage you buy is a decision to put some thought into, but it’s cheap coverage so purchase as high a limit as you can afford.

Affordable insurance is out there

When getting insurance coverage quotes online, it’s not a good idea to reduce needed coverages to save money. There are a lot of situations where an accident victim reduced collision coverage only to regret at claim time that it was a big error on their part. The goal is to buy a smart amount of coverage for the lowest cost, but do not skimp to save money.

In this article, we covered a lot of information how to shop for 2008 Dodge Charger insurance online. The key thing to remember is the more rate comparisons you have, the better your chances of lowering your prices. You may even discover the lowest premium rates are with a lesser-known regional company.

Cost effective 2008 Dodge Charger insurance can be bought on the web in addition to local insurance agencies, and you should compare rates from both to have the best selection. Some insurance coverage companies do not provide online quoting and these smaller companies prefer to sell through local independent agents.

Helpful articles

• Car Insurance FAQ (Trusted Choice)
• Vehicle Safety Ratings (iihs.org)
• Safe Vehicles for Teens (iihs.org)
• Property Damage Coverage (Liberty Mutual)
• Learn About Car Insurance (Geico)
• Teen Driver Statistics (Insurance Information Insitute)

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