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Dodge Charger Insurance Cost

You have many choices when finding cheaper insurance coverage on your Dodge vehicle. You can buy direct from an agent or go online to compare pricing from lots of different providers. Shopping for car insurance through online providers can be fast and easy, in addition you can save money.

If shopping for car insurance online is new to you, you may be confused by the hoards of online car insurance companies and websites offering insurance. There are several ways to get quotes and find the best price. The easiest way by far to find the lowest Charger insurance rates consists of shopping online. This is very easy and can be done by visiting this page.

Criteria which help determine your insurance rates

Car insurance premiums for your Dodge Charger will vary greatly depending on several factors. A few of these criteria are:

  • Higher performance Charger vehicles cost more
  • Your accident history
  • Whether you insure your home with the same company
  • Pleasure, commuting or business use can affect rates
  • Young drivers cost more
  • Being married can lower rates
  • Optional coverages like vehicle replacement
  • Your occupation
  • Insurance coverage level
  • Owning a home can lower rates

An additional factor that will help determine Charger insurance cost is the year of the vehicle. Older cars and trucks have a much lower replacement value than newer models so the payout to repair may result in lower rates. Although more recent Dodge vehicles may have safety features included like forward-collision avoidance, a telematics system, tire pressure monitors, and autonomous braking so those may provide discounts that lower premiums.

To get a better understanding how much rates will be for your vehicle, select the year of your Charger from the following list.

Liability auto insurance

This coverage will cover injuries or damage you cause to other's property or people by causing an accident. Liability insurance covers claims such as funeral expenses, loss of income, and emergency aid. Coverage is generally pretty cheap so you should buy as much as you can afford.

Collision protection

Collision coverage will pay to fix damage to your Dodge resulting from colliding with another vehicle or an object, but not an animal. You have to pay a deductible then your collision coverage will kick in. Collision coverage makes up a good portion of your premium, so you might think about dropping it from older vehicles. Another option is to raise the deductible in order to get cheaper Charger insurance cost.

Comprehensive (Other than Collision)

Comprehensive insurance coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. A deductible will apply and then insurance will cover the rest of the damage. The maximum amount a car insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle is not worth much it's not worth carrying full coverage.

Uninsured or underinsured coverage

This coverage gives you protection from other motorists when they are uninsured or don't have enough coverage. Due to the fact that many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is important protection for you and your family.

Medical expense insurance

Personal Injury Protection (PIP) and medical payments coverage pay for bills such as ambulance fees, surgery, and doctor visits. The coverages can be utilized in addition to your health insurance plan or if you are not covered by health insurance. Personal Injury Protection is only offered in select states but can be used in place of medical payments coverage.

How Much are Dodge Charger Insurance Rates?