Save on 2008 Dodge Charger Insurance Rates

Trying to find the cheapest insurance for your Dodge Charger could be a painful process, but you can follow a few tricks to save time.

There is a right way and a wrong way to find insurance online and you need to know the quickest way to price shop coverage for a new or used Dodge and find the lowest price.

Smart consumers take time to price shop coverage occasionally due to the fact that insurance rates are usually higher with each renewal. Despite the fact that you may have had the lowest price for Charger coverage a few years ago you can probably find a better price now. So just ignore everything you know about insurance because I’m going to teach you the right way to save money, get proper coverage and the best rates.

Compare Quotes for Insurance

Comparing insurance rates can take time and effort if you don’t understand the fastest way to get free quotes. You could waste time driving to local insurance agents in your area, or you could save time and use online quotes to maximize your effort.

The majority of car insurance companies participate in an industry program that enables customers to enter their coverage request one time, and each company then returns a price quote determined by their information. This prevents consumers from doing repetitive form submissions to each individual insurance company. To fill out one form to compare multiple rates now click here to open in new window.

The single downside to doing it this way is you are unable to specify the providers you will receive quotes from. So if you prefer to pick from a list of companies to request quotes from, we have assembled a list of insurance companies in your area. Click to view list.

Which method you use is up to you, but compare the exact same coverages on every quote. If you enter mixed coverages it will be impossible to find the best deal for your Dodge Charger.

Tailor your coverage to you

When choosing proper insurance coverage, there really is no one size fits all plan. Each situation is unique.

For instance, these questions may help highlight whether or not you will benefit from professional help.

  • Is a fancy paint job covered?
  • What is no-fault insurance?
  • How high should my uninsured/underinsured coverage be in my state?
  • Am I covered if I hit my neighbor’s mailbox?
  • When can my company non-renew my policy?
  • Do I pay less for low miles?
  • Does liability extend to a camper or trailer?
  • Can I get a multi-policy discount?

If you’re not sure about those questions but you think they might apply to your situation then you might want to talk to a licensed insurance agent. If you want to speak to an agent in your area, fill out this quick form. It only takes a few minutes and you can get the answers you need.

Car insurance coverages explained

Learning about specific coverages of your car insurance policy aids in choosing appropriate coverage for your vehicles. The coverage terms in a policy can be confusing and reading a policy is terribly boring.

Liability insurance

Liability coverage provides protection from damage that occurs to other people or property in an accident. It protects YOU against claims from other people, and does not provide coverage for damage sustained by your vehicle in an accident.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have policy limits of 50/100/50 that means you have a $50,000 limit per person for injuries, a limit of $100,000 in injury protection per accident, and a limit of $50,000 paid for damaged property. Some companies may use a combined single limit or CSL which provides one coverage limit with no separate limits for injury or property damage.

Liability can pay for things like pain and suffering, funeral expenses, medical expenses and repair costs for stationary objects. How much liability coverage do you need? That is up to you, but it’s cheap coverage so purchase higher limits if possible.

Coverage for medical payments

Med pay and PIP coverage kick in for expenses like prosthetic devices, pain medications, EMT expenses and surgery. They are often used in conjunction with a health insurance policy or if you are not covered by health insurance. They cover you and your occupants in addition to if you are hit as a while walking down the street. PIP coverage is not an option in every state and gives slightly broader coverage than med pay

Collision coverage protection

This coverage will pay to fix damage to your Charger resulting from a collision with another vehicle or an object, but not an animal. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against things like crashing into a building, damaging your car on a curb and backing into a parked car. Collision is rather expensive coverage, so consider dropping it from lower value vehicles. Drivers also have the option to bump up the deductible to bring the cost down.

Comprehensive coverages

This coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive insurance covers things such as damage from getting keyed, a broken windshield, theft and hail damage. The maximum payout a car insurance company will pay at claim time is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Uninsured and underinsured coverage

Your UM/UIM coverage provides protection from other motorists when they are uninsured or don’t have enough coverage. Covered claims include injuries sustained by your vehicle’s occupants and damage to your Dodge Charger.

Since many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages should not be overlooked. Most of the time these limits are similar to your liability insurance amounts.