Save on 2015 Dodge Charger Insurance Rates

Searching for cheaper insurance rates for your Dodge Charger? I can’t think of anyone who looks forward to paying for insurance, especially knowing the cost is too high.

There are many insurance companies to buy insurance from, and although it’s a good thing to be able to choose, so many choices can make it hard to adequately compare rates.

Buying car insurance is not rocket science. If you currently have car insurance, you should be able to cut costs considerably using this strategy. But consumers can benefit from knowing the methods companies use to determine prices because it can help you find the best coverage.

The best way we recommend to compare insurance rates from multiple companies is to take advantage of the fact most larger insurance companies pay for the opportunity to provide you with a free rate quote. To begin a comparison, all you need to do is give them rating details including if you require a SR-22, an estimate of your credit level, how much education you have, and if you have a valid license. Those rating factors gets transmitted to multiple companies and you should receive rate quotes very quickly.

Advertising myths

Progressive, Allstate and GEICO regularly use ads on television and other media. All the companies have a common claim that you’ll save big if you move to them. But how can every company make almost identical claims? This is how they do it.

All the different companies have a preferred profile for the type of customer that is profitable for them. An example of a preferred risk could possibly be over the age of 40, is a homeowner, and has a short commute. A customer getting a price quote who fits that profile is entitled to the best price and is almost guaranteed to save when they switch companies.

Potential customers who are not a match for the requirements will be quoted more money and ends up with the customer not buying. The ads say “drivers who switch” but not “drivers who get quotes” save that much money. This is how companies can make the claims of big savings. This emphasizes why it is so important to get quotes from several different companies. It’s just too difficult to predict which car insurance company will provide you with the cheapest Dodge Charger insurance rates.

Are you getting all your discounts?

Companies don’t list every discount in a way that’s easy to find, so here is a list some of the best known and also the lesser-known ways to save on car insurance.

  • Good Student Discount – Performing well in school can be rewarded with saving of up to 25%. Earning this discount can benefit you up to age 25.
  • Theft Prevention Discount – Anti-theft and alarm systems help deter theft and earn discounts up to 10%.
  • Multiple Cars – Buying insurance for all your vehicles on one policy qualifies for this discount.
  • Passive Restraints and Air Bags – Cars that have air bags or automatic seat belts may earn rate discounts of up to 25% or more.
  • Anti-lock Brakes – Vehicles equipped with ABS or steering control can avoid accidents and qualify for as much as a 10% discount.
  • Accident Waiver – Certain companies permit an accident before raising your premiums so long as you haven’t had any claims for a set time period.

As a disclaimer on discounts, most discount credits are not given to the entire cost. Most cut specific coverage prices like liability and collision coverage. So even though they make it sound like all the discounts add up to a free policy, you won’t be that lucky.

Companies that may offer these discounts include:

It’s a good idea to ask each insurance company which discounts you may be entitled to. Savings may not apply in every state.

Tailor your coverage to you

When choosing proper insurance coverage, there really is not a one size fits all plan. Every situation is different and a cookie cutter policy won’t apply. Here are some questions about coverages that could help you determine if your insurance needs might need an agent’s assistance.

  • How much liability do I need to cover my assets?
  • How much liability coverage do I need in my state?
  • Am I covered by my spouse’s policy after a separation?
  • Should I buy additional glass protection?
  • Will my vehicle be repaired with OEM or aftermarket parts?
  • Am I covered when pulling a rental trailer?
  • Should I sign the liability waiver when renting a car?
  • Am I covered when driving on a suspended license?
  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • Should I buy full coverage?

If you can’t answer these questions but one or more may apply to you, you might consider talking to an agent. To find lower rates from a local agent, take a second and complete this form or click here for a list of insurance companies in your area.

Auto insurance coverage information

Having a good grasp of insurance helps when choosing which coverages you need for your vehicles. The coverage terms in a policy can be ambiguous and even agents have difficulty translating policy wording. Listed below are typical coverage types found on most insurance policies.

Comprehensive coverages

Comprehensive insurance coverage covers damage OTHER than collision with another vehicle or object. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers claims like damage from flooding, fire damage, hitting a bird and a tree branch falling on your vehicle. The maximum amount a insurance company will pay at claim time is the actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.

Collision coverage protection

This pays for damage to your Charger resulting from colliding with another car or object. You have to pay a deductible then your collision coverage will kick in.

Collision insurance covers things like hitting a mailbox, crashing into a building and rolling your car. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from older vehicles. You can also raise the deductible in order to get cheaper collision rates.

Auto liability insurance

This can cover injuries or damage you cause to a person or their property. It protects you against other people’s claims. It does not cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show liability limits of 100/300/100 that translate to $100,000 bodily injury coverage, a per accident bodily injury limit of $300,000, and a total limit of $100,000 for damage to vehicles and property.

Liability coverage protects against claims such as court costs, funeral expenses, attorney fees and emergency aid. The amount of liability coverage you purchase is up to you, but you should buy as much as you can afford.

Coverage for medical payments

Personal Injury Protection (PIP) and medical payments coverage kick in for short-term medical expenses such as surgery, hospital visits, funeral costs and prosthetic devices. They can be used to cover expenses not covered by your health insurance program or if you do not have health coverage. It covers all vehicle occupants as well as being hit by a car walking across the street. PIP coverage is not available in all states and may carry a deductible

Uninsured and underinsured coverage

Uninsured or Underinsured Motorist coverage provides protection when other motorists either have no liability insurance or not enough. It can pay for injuries to you and your family and also any damage incurred to your 2015 Dodge Charger.

Due to the fact that many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important.

Shop smart and save

As you go through the steps to switch your coverage, make sure you don’t buy less coverage just to save a little money. There have been many cases where consumers will sacrifice liability limits or collision coverage only to discover later that the savings was not a smart move. Your strategy should be to get the best coverage possible at the best price while still protecting your assets.

Low-cost 2015 Dodge Charger insurance can be sourced both online and with local insurance agents, and you need to comparison shop both so you have a total pricing picture. There are still a few companies who do not offer you the ability to get quotes online and many times these regional insurance providers only sell through independent insurance agents.

Additional insurance coverage information can be found at the links below