Cheap 2017 Dodge Charger Insurance Quotes

Are you burned out from not being able to afford to pay your auto insurance bill each month? You are in the same boat as many other consumers. Insurance companies such as Geico, Progressive and Allstate all claim big savings, bombarding you with ad campaigns and it is challenging if not impossible to see through the cute green geckos and mayhem and effectively compare rates to find the best deal.

It’s smart to shop coverage around periodically because insurance prices are usually higher with each renewal. Despite the fact that you may have had the best deal for Charger insurance at your last renewal you can probably find a better premium rate now. Ignore everything you know about auto insurance because I’m going to let you in on the secrets to the right way to get good coverage at a lower rate.

If you have a policy now or need a new policy, you can use these techniques to reduce the price you pay and still get good coverage. Choosing the best insurance company for you is not that difficult. Consumers just need to know the tricks to shop for insurance coverage on the web.

Cheaper car insurance quotes with discounts

Car insurance is easily one of your largest bills, but you may qualify for discounts that may help make it more affordable. Some trigger automatically when you quote, but some must be asked for before being credited. If they aren’t giving you every credit possible, you may be paying too high a price.

• Early Signing – A few insurance companies allow discounts for buying a policy before your current coverage expires. It can save you around 10%.
• Discount for Life Insurance – If the company offers life insurance, you could get better prices if you take out life insurance.
• Multiple Cars – Drivers who insure multiple cars or trucks on the same car insurance policy can reduce the rates for all insured vehicles.
• Senior Citizen Discount – If you qualify as a senior citizen, you may be able to get a discount up to 10% for Charger insurance.
• Accident Waiver – Not really a discount, but a few companies such as Geico and Allstate permit an accident before your rates go up as long as you don’t have any claims for a specific time period.
• Active Service Discounts – Having an actively deployed family member could qualify you for better rates.

While discounts sound great, it’s important to understand that most discount credits are not given to your bottom line cost. Most cut the price of certain insurance coverages like collision or personal injury protection. So when it seems like you would end up receiving a 100% discount, you won’t be that lucky. Any qualifying discounts will definitely lower your overall premium however.

Car insurance companies that possibly offer these discounts are:

• Progressive
• Farmers Insurance
• Farm Bureau
• State Farm
• Geico
• SAFECO
• Liberty Mutual

When quoting, ask every insurance company the best way to save money. Some of the discounts discussed earlier may not apply to policyholders in every state. To see a list of providers that offer the discounts shown above, click here to view.

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How to compare car insurance rate quotes

Cutting your car insurance rates isn’t really that difficult. You just have to spend a few minutes on the computer to get quotes to find the company with affordable insurance coverage quotes. This can be accomplished in just a few minutes using one of these methods.

1. The most efficient way to get quotes for comparison is an all-inclusive rate comparison like this one (opens in new window). This method saves time by eliminating separate quotes for each company. One form submission gets insurance cost estimates from multiple companies.
2. A harder way to shop for car insurance online is going to the website for every company you want to comare and go through the quote process again. For instance, let’s assume you want to compare rates from Liberty Mutual, Progressive and Allstate. To find out each rate you need to go to each individual site to enter your coverage information, which is why the first method is quicker. For a list of links to insurance companies in your area, click here.

However you get your quotes, be sure to compare the exact same coverage limits on every quote. If you are comparing different deductibles it will be nearly impossible to make a fair comparison for your Dodge Charger.

Tailor your car insurance coverage to you

When it comes to choosing coverage, there really is no “perfect” insurance plan. Each situation is unique and your policy should reflect that. For instance, these questions may help highlight if your situation may require specific advice.

• Is business equipment covered while in my vehicle?
• Can I afford to pay high deductible claims out of pocket?
• Is my custom paint covered by insurance?
• Is extra glass coverage worth it?
• What is an SR-22 filing?
• Can I afford to buy a different vehicle if my 2017 Dodge Charger is totaled?
• Are rock chip repairs covered?
• Is a blown tire covered by insurance?
• What companies insure drivers after a DUI or DWI?
• Is my babysitter covered when using my vehicle?

If it’s difficult to answer those questions but a few of them apply, you may need to chat with a licensed insurance agent. To find lower rates from a local agent, fill out this quick form or you can go here for a list of companies in your area. It is quick, free and can provide invaluable advice.

Auto insurance coverage information

Learning about specific coverages of your insurance policy can be of help when determining appropriate coverage for your vehicles. The coverage terms in a policy can be ambiguous and even agents have difficulty translating policy wording. These are the usual coverages available from insurance companies.

Liability car insurance – Liability coverage provides protection from damages or injuries you inflict on people or other property that is your fault. It protects you from legal claims by others, and doesn’t cover your injuries or vehicle damage.

It consists of three limits, 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 means 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. Another option is a combined single limit or CSL that pays claims from the same limit without having the split limit caps.

Liability coverage protects against claims such as repair costs for stationary objects, repair bills for other people’s vehicles and bail bonds. How much coverage you buy is your choice, but it’s cheap coverage so purchase as high a limit as you can afford.

Medical payments and PIP coverage – Med pay and PIP coverage kick in for short-term medical expenses for chiropractic care, surgery, doctor visits, pain medications and rehabilitation expenses. They are often used to fill the gap from your health insurance policy or if there is no health insurance coverage. Coverage applies to not only the driver but also the vehicle occupants in addition to getting struck while a pedestrian. PIP coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage

Comprehensive auto coverage – This coverage pays for damage caused by mother nature, theft, vandalism and other events. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for claims like damage from flooding, rock chips in glass and hitting a deer. The highest amount a insurance company will pay at claim time is the market value of your vehicle, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Collision coverages – Collision coverage pays to fix your vehicle from damage resulting from a collision with a stationary object or other vehicle. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for claims like crashing into a building, hitting a mailbox, hitting a parking meter and colliding with another moving vehicle. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are older. You can also choose a higher deductible to bring the cost down.

UM/UIM (Uninsured/Underinsured Motorist) coverage – This provides protection from other motorists when they either have no liability insurance or not enough. Covered claims include medical payments for you and your occupants as well as your vehicle’s damage.

Since many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Normally these limits are similar to your liability insurance amounts.

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In conclusion

Cost effective 2017 Dodge Charger insurance can be sourced on the web as well as from independent agents, and you need to comparison shop both so you have a total pricing picture. Some insurance companies do not provide rates over the internet and most of the time these smaller providers prefer to sell through local independent agents.

When getting insurance coverage quotes online, do not reduce coverage to reduce premium. In many cases, an insured cut liability coverage limits and discovered at claim time they didn’t have enough coverage. The goal is to buy a smart amount of coverage at the lowest possible cost.

More information is located at the links below

• What Determines the Price of My Auto Insurance Policy? (Insurance Information Insitute)
• If I File a Claim will My Insurance Go Up? (Insurance Information Insitute)
• Young Drivers: The High Risk Years Video (iihs.org)
• Teen Driver Licensing Information (iihs.org)

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