Save on 2011 Dodge Charger Car Insurance Quotes

Looking for cheaper insurance rates for your Dodge Charger? No one in their right mind likes paying for insurance, in particular when they are paying too much.

You have multiple insurers to pick from, and although it’s a good thing to have a selection, so many choices can make it hard to compare company pricing.

It’s a good idea to get comparison quotes once or twice a year because prices trend upward over time. Just because you found the best price on Charger insurance a year ago the chances are good that you can find a lower rate today. Block out anything you think you know about insurance because you’re about to find out the quickest way to properly buy coverages while reducing your premium.

Finding the best rates is quite easy. If you have car insurance now, you will be able to reduce your rates substantially using this strategy. Nevertheless, consumers should learn the methods companies use to market insurance on the web because it can help you find the best coverage.

Dodge Charger insurance rates consist of many parts

It’s important that you understand the different types of things that play a part in calculating the rates you pay for car insurance. Knowing what determines base rates empowers consumers to make smart changes that could result in much lower annual insurance costs.

Shown below are a few of the “ingredients” used by your company to calculate premiums.

  • Theft deterrents lower rates – Purchasing a vehicle with a theft deterrent system can get you a discount on your car insurance. Theft prevention features like GM’s OnStar, tamper alarm systems and vehicle immobilizers all aid in stopping car theft.
  • Credit scores impact car insurance rates – Your credit score is a important factor in calculating your car insurance rates. If your credit history is lower than you’d like, you could save money insuring your 2011 Dodge Charger by spending a little time repairing your credit. Drivers with high credit scores tend to file fewer claims and have better driving records than drivers who have poor credit.
  • Teen drivers pay high rates – More mature drivers are viewed as being more responsible, tend to cause fewer accidents and get fewer tickets. Young drivers have a tendency to be careless and easily distracted when driving and because of this, their car insurance rates are much higher.
  • Choose a safe vehicle and save – Cars with high safety ratings are cheaper to insure. The safest vehicles reduce injuries and better occupant protection means less money paid by your insurance company and more competitive rates for policyholders. If your Dodge Charger is rated at least an “acceptable” rating on the Insurance Institute for Highway Safety website it is probably cheaper to insure.
  • Liability coverage is peace of mind – The liability section of your policy will protect you in the event that you are found liable for damages caused by your negligence. It will provide for a legal defense which can be incredibly expensive. Liability is cheap compared to insuring for physical damage coverage, so drivers should carry high limits.
  • Claim-free discounts can add up – Car insurance companies generally give discounts to policyholders who are claim-free. If you are a frequent claim filer, you can expect either higher rates or even cancellation. Car insurance is intended to be relied upon for the bigger claims that can’t be paid out-of-pocket.
  • Males pay more for insurance – The statistics show women tend to be less risk to insure than men. Now that doesn’t mean women are BETTER drivers than men. They both cause accidents in similar percentages, but men tend to have more serious accidents. Men also get cited for more serious violations like DUI and reckless driving.
  • Don’t buy coverages you don’t need – There are many extra coverages you can purchase on your car insurance policy. Things like rental car reimbursement, better glass coverage and additional equipment coverage are examples of these. They may seem good when talking to your agent, but now you might not need them so remove them from your policy.

These discounts can slash insurance coverage rates

Car insurance companies do not advertise all their discounts very well, so we researched both well-publicized as well as the least known savings tricks you should be using.

  • Drive Less and Save – Driving fewer miles can earn lower rates on the low mileage vehicles.
  • Anti-lock Brake Discount – Vehicles equipped with ABS or steering control can avoid accidents and will save you 10% or more.
  • Paperwork-free – Some insurance companies may give you up to $50 for buying a policy and signing up online.
  • Life Insurance Discount – Select insurance companies reward you with a discount if you purchase life insurance.
  • Student Driver Training – Cut your cost by having your teen driver enroll in driver’s education in high school.
  • Discount for Good Grades – This discount can be rewarded with saving of up to 25%. The good student discount can last up to age 25.

It’s important to understand that some credits don’t apply to the entire policy premium. Some only reduce individual premiums such as physical damage coverage or medical payments. So when it seems like having all the discounts means you get insurance for free, it doesn’t quite work that way.

For a list of insurers offering insurance coverage discounts, click here.

When might I need the advice of an agent?

When it comes to choosing the right insurance coverage, there really is not a cookie cutter policy. Coverage needs to be tailored to your specific needs so your insurance needs to address that. Here are some questions about coverages that might point out whether you would benefit from professional advice.

  • Should I buy additional glass protection?
  • Am I covered when driving on a suspended license?
  • Can I afford to pay high deductible claims out of pocket?
  • Why do I need rental car insurance?
  • Am I covered by my employer’s commercial auto policy when driving my personal car for business?
  • Does my policy cover me when driving someone else’s vehicle?
  • Are split liability limits better than a combined single limit?
  • Do I really need UM/UIM coverage?

If you don’t know the answers to these questions, you may need to chat with an agent. To find an agent in your area, fill out this quick form or click here for a list of car insurance companies in your area.

Auto insurance policy coverages for a Dodge Charger

Learning about specific coverages of a auto insurance policy can help you determine appropriate coverage and the correct deductibles and limits. The terms used in a policy can be confusing and reading a policy is terribly boring. Listed below are the usual coverages found on most auto insurance policies.

Coverage for uninsured or underinsured drivers – This coverage protects you and your vehicle when other motorists do not carry enough liability coverage. Covered losses include hospital bills for your injuries as well as damage to your Dodge Charger.

Because many people have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage should not be overlooked.

Liability – Liability coverage protects you from injuries or damage you cause to people or other property that is your fault. This coverage protects you against claims from other people, and doesn’t cover your injuries or vehicle damage.

Coverage consists of three different 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 100/300/100 that means you have $100,000 in coverage for each person’s injuries, $300,000 for the entire accident, and a limit of $100,000 paid for damaged property.

Liability coverage protects against claims such as funeral expenses, medical expenses, bail bonds and repair bills for other people’s vehicles. How much liability should you purchase? That is your choice, but you should buy as high a limit as you can afford.

Collision coverages – Collision insurance will pay to fix damage to your Charger resulting from a collision with another vehicle or an object, but not an animal. A deductible applies and then insurance will cover the remainder.

Collision coverage pays for things like colliding with another moving vehicle, driving through your garage door, scraping a guard rail and damaging your car on a curb. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are older. Another option is to increase the deductible to get cheaper collision coverage.

Coverage for medical expenses – Personal Injury Protection (PIP) and medical payments coverage pay for immediate expenses such as funeral costs, prosthetic devices, ambulance fees and doctor visits. They are often used in conjunction with a health insurance program or if there is no health insurance coverage. It covers you and your occupants and will also cover being hit by a car walking across the street. Personal Injury Protection is not universally available and gives slightly broader coverage than med pay

Comprehensive auto insurance – Comprehensive insurance will pay to fix damage OTHER than collision with another vehicle or object. A deductible will apply then your comprehensive coverage will pay.

Comprehensive can pay for claims like damage from a tornado or hurricane, vandalism, a tree branch falling on your vehicle and hail damage. The maximum amount your auto insurance company will pay is the market value of your vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.

The bottom line

You just learned a lot of techniques to reduce 2011 Dodge Charger insurance prices online. The key concept to understand is the more rate quotes you have, the better your chances of lowering your rates. Consumers could even find that the biggest savings come from an unexpected company. These smaller insurers can often insure niche markets at a lower cost than the large multi-state companies such as State Farm or Progressive.

When buying insurance coverage, it’s a bad idea to reduce needed coverages to save money. There have been many situations where consumers will sacrifice liability coverage limits only to regret that the small savings ended up costing them much more. Your goal should be to get the best coverage possible at a price you can afford while still protecting your assets.

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