Compare 2012 Dodge Charger Insurance Rates

Searching for better car insurance rates for your Dodge Charger? Locating better insurance prices for your Dodge Charger can normally be a painful process, but you can follow a few tricks to save time. There is a right way and a wrong way to buy car insurance so you’re going to learn the best way to get price quotes for a new or used Dodge and find the best price possible.

It’s smart to shop coverage around at least once a year because rates are rarely the same from one policy term to another. Even if you think you had the best price for Charger insurance last year you can probably find a lower rate today. You can find a lot of wrong information about car insurance online but I’m going to show you some tested techniques to find affordable car insurance.

Choosing the best insurance company for you is not rocket science. If you have insurance now or need new coverage, you can learn to shop for the lowest rates and possibly find even better coverage. Drivers just need to learn the best way to compare prices on the web.

Dodge Charger insurance premiums are calculated by many factors

An important part of buying insurance is that you know the rating factors that come into play when calculating the price you pay for insurance coverage. Understanding what determines base rates helps enable you to make changes that can help you get lower insurance coverage prices.

  • Safer occupants lowers premiums – Vehicles with good safety scores are cheaper to insure. These vehicles result in less severe injuries and any reduction in injury severity translates into savings for insurance companies and more competitive rates for policyholders. If your Dodge Charger has ratings of a minimum an “acceptable” rating on the Insurance Institute for Highway Safety website you are probably receiving a discount.
  • Liability insurance protects assets – Your policy’s liability coverage is the protection in the event that a court rules you are at fault for damages from an accident. It will provide legal defense up to the limits shown on your policy. Liability is cheap as compared to coverage for physical damage, so do not cut corners here.
  • Are you male or female? – Statistics demonstrate women are more cautious behind the wheel. However, this does not mean men are WORSE drivers than women. Women and men have accidents in similar numbers, but the male of the species have costlier accidents. Men also tend to have more aggressive citations such as DWI and reckless driving. Male drivers age 16 to 19 are the most expensive to insure and therefore have the most expensive insurance coverage rates.
  • Don’t buy coverages you don’t need – There are quite a few extra coverages that can waste your money when buying insurance coverage. Insurance for vanishing deductibles, accident forgiveness and term life insurance may be costing you every month. They may seem good when you first buy your policy, but if they’re wasting money eliminate the coverages to reduce your premium.
  • Always keep insurance in force – Not having insurance is a misdemeanor and you will pay a penalty because you let your insurance expire. And not only will your rates increase, but not being able to provide proof of insurance might get you a hefty fine and possibly a revoked license.Then you may be required to provide proof of insurance in the form of an SR-22 filing with your state motor vehicle department.

Free Quotes for Insurance

Cutting your insurance rates is surprisingly easy. You just have to take a couple of minutes comparing rate quotes online with multiple companies. This is very easy and can be done in just a few minutes using one of these methods.

  1. One of the simplest ways to get quotes is an all-inclusive rate comparison (click to open form in new window). This method eliminates the need for a different quote for each company you want a rate for. One quote request will return price quotes from multiple low-cost companies. Just one form and you’re done.
  2. Another way to get quotes online requires a visit to the website of each company and fill out their own quote form. For example, let’s say you want rates from USAA, Geico and Allstate. You would have to spend time on each company’s site and enter your information, which is why the first method is quicker.

    For a list of links to insurance companies in your area, click here.

  3. The least recommended method to get comparison rates is to spend time driving to and from local insurance agencies. Shopping for insurance online has reduced the need for local agents unless you want the professional advice of a local agent. You can, however, compare online quotes but still have the advice of a local agent and we’ll talk about that later.

Whichever way you use, make sure you use the exact same coverage limits and deductibles for every company. If you enter different values for each quote you will not be able to determine the best price for your Dodge Charger.

These discounts can slash insurance rates

Car insurance companies don’t list all their discounts in a way that’s easy to find, so we took the time to find both well-publicized and also the lesser-known savings tricks you should be using. If you aren’t receiving every discount you qualify for, you’re paying more than you need to.

  • No Charge for an Accident – Some insurance companies will forgive one accident without raising rates so long as you haven’t had any claims for a particular time prior to the accident.
  • Early Signing – Some companies give discounts for switching to them before your current policy expires. This can save 10% or more.
  • Air Bag Discount – Vehicles equipped with air bags or motorized seat belts may earn rate discounts up to 30%.
  • Safe Drivers – Drivers who avoid accidents may receive a discount up to 45% less for Charger insurance than drivers with accidents.
  • Pay Upfront and Save – If you pay your entire premium ahead of time instead of monthly or quarterly installments you could save up to 5%.
  • Paperless Signup – A handful of insurance companies give back up to $50 for buying a policy and signing up over the internet.

Consumers should know that most discount credits are not given to the entire cost. Some only reduce specific coverage prices like medical payments or collision. Just because you may think you can get free auto insurance, insurance companies aren’t that generous.

To see a list of companies with the best insurance discounts, follow this link.

When might I need the advice of an agent?

When it comes to buying proper insurance coverage for your vehicles, there really is no “best” method to buy coverage. Everyone’s situation is a little different.

These are some specific questions can help discover if you might need an agent’s assistance.

  • Does coverage extend to Mexico or Canada?
  • Does medical payments coverage apply to all occupants?
  • Should I buy only the required minimum liability coverage?
  • Do I need motorclub coverage?
  • What is an SR-22 filing?
  • What is the ISO rating for a 2012 Dodge Charger?
  • Will filing a claim cost me more?
  • Do I have coverage when pulling a U-Haul trailer?
  • Am I getting all the discounts available?
  • Is a new car covered when I drive it off the dealer lot?

If you can’t answer these questions but a few of them apply then you might want to talk to a licensed agent. To find an agent in your area, take a second and complete this form. It’s fast, doesn’t cost anything and can help protect your family.

Specific coverage details

Understanding the coverages of insurance can help you determine which coverages you need at the best deductibles and correct limits. The terms used in a policy can be ambiguous and even agents have difficulty translating policy wording.

Comprehensive or Other Than Collision

Comprehensive insurance will pay to fix damage that is not covered by collision coverage. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive insurance covers things such as vandalism, fire damage, damage from a tornado or hurricane, damage from getting keyed and falling objects. The maximum amount you can receive from a comprehensive claim is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Medical costs insurance

Coverage for medical payments and/or PIP provide coverage for short-term medical expenses such as hospital visits, rehabilitation expenses, dental work, EMT expenses and doctor visits. The coverages can be used in conjunction with a health insurance program or if you are not covered by health insurance. It covers all vehicle occupants as well as getting struck while a pedestrian. PIP is not available in all states but can be used in place of medical payments coverage

Collision coverage protection

Collision insurance covers damage to your Charger resulting from a collision with an object or car. A deductible applies and then insurance will cover the remainder.

Collision insurance covers claims such as driving through your garage door, crashing into a building and rolling your car. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are 8 years or older. You can also increase the deductible to save money on collision insurance.

Liability insurance

Liability coverage provides protection from damage or injury you incur to other people or property in an accident. This coverage protects you against other people’s claims. Liability doesn’t cover your own vehicle damage or injuries.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. 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 a limit of $50,000 paid for damaged property.

Liability insurance covers claims like legal defense fees, loss of income, pain and suffering and funeral expenses. How much liability should you purchase? That is a personal decision, but you should buy as large an amount as possible.

UM/UIM Coverage

This coverage protects you and your vehicle’s occupants when the “other guys” either are underinsured or have no liability coverage at all. Covered losses include medical payments for you and your occupants as well as your vehicle’s damage.

Since many drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is very important.

Quote more. Save more.

The cheapest 2012 Dodge Charger insurance can be purchased on the web in addition to many insurance agents, so you should be comparing quotes from both so you have a total pricing picture. Some insurance companies do not provide you the ability to get quotes online and most of the time these small, regional companies sell through independent agents.

Insureds change insurance companies for a number of reasons such as an unsatisfactory settlement offer, lack of trust in their agent, not issuing a premium refund and even unfair underwriting practices. Whatever your reason, choosing a new insurance company can be pretty painless.

As you restructure your insurance plan, do not reduce coverage to reduce premium. In too many instances, drivers have reduced liability coverage limits and found out when filing a claim that a couple dollars of savings turned into a financial nightmare. Your focus should be to purchase plenty of coverage at an affordable rate, not the least amount of coverage.

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