Compare 2013 Dodge Charger Insurance Quotes

Have you fallen victim to an overpriced auto insurance policy? Believe me, you’re not the only one.

Having so many insurance companies to choose from, it is very difficult to pick the most cost effective company.

Lower rates by qualifying for discounts

Car insurance can cost a lot, but there are discounts available that you may not know about. Some discounts apply automatically at the time of purchase, but a few need to be asked for in order for you to get them.

  • Own a Home – Being a homeowner may earn you a small savings because maintaining a house shows financial diligence.
  • Driver’s Ed – Require your teen driver to complete a driver education course if offered at their school.
  • Life Insurance Discount – Companies who offer life insurance give a break if you buy a life insurance policy as well.
  • Theft Prevention System – Vehicles equipped with anti-theft or alarm systems help deter theft and qualify for as much as a 10% discount.
  • Bundle and Save – When you have multiple policies with the same insurance company you will save 10% to 20% off each policy.
  • Safe Driver Discount – Safe drivers can pay as much as 50% less on Charger insurance than less cautious drivers.

It’s important to understand that some credits don’t apply to your bottom line cost. Some only apply to individual premiums such as physical damage coverage or medical payments. Just because you may think you would end up receiving a 100% discount, insurance companies aren’t that generous. Any qualifying discounts will bring down the amount you have to pay.

Car insurance companies that possibly offer some of the above discounts include:

Check with each company what discounts are available to you. Savings may not apply in your state.

Car insurance is unique, just like you

When it comes to choosing adequate coverage, there is no one size fits all plan. Everyone’s needs are different and a cookie cutter policy won’t apply. For instance, these questions might point out if your situation could use an agent’s help.

  • Am I covered if I hit my neighbor’s mailbox?
  • If I drive on a suspended license am I covered?
  • Should I file a claim if it’s only slightly more than my deductible?
  • Am I getting all the discounts available?
  • Where can I find high-risk insurance?
  • Can my babysitter drive my car?
  • Do I need more liability coverage?
  • Is rental equipment covered for theft or damage?
  • Are my friends covered when driving my 2013 Dodge Charger?
  • Does my insurance cover my expensive audio equipment?

If it’s difficult to answer those questions but one or more may apply to you, you may need to chat with a licensed insurance agent. If you want to speak to an agent in your area, fill out this quick form or you can go here for a list of companies in your area.

Auto insurance coverage information

Having a good grasp of your insurance policy can be of help when determining which coverages you need and proper limits and deductibles. The coverage terms in a policy can be confusing and reading a policy is terribly boring. These are typical coverage types found on the average insurance policy.

Medical expense insurance – Personal Injury Protection (PIP) and medical payments coverage pay for expenses such as funeral costs, rehabilitation expenses and pain medications. They are used to fill the gap from your health insurance policy or if you lack health insurance entirely. It covers all vehicle occupants and also covers being hit by a car walking across the street. Personal Injury Protection is not an option in every state but it provides additional coverages not offered by medical payments coverage

Collision coverage – This pays for damage to your Charger caused by collision with another car or object. You will need to pay your deductible then your collision coverage will kick in.

Collision can pay for claims like crashing into a ditch, backing into a parked car, hitting a mailbox, scraping a guard rail and sustaining damage from a pot hole. Paying for collision coverage can be pricey, so consider dropping it from older vehicles. It’s also possible to bump up the deductible to bring the cost down.

Comprehensive (Other than Collision) – Comprehensive insurance coverage pays for damage OTHER than collision with another vehicle or object. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against things such as hitting a deer, damage from a tornado or hurricane, rock chips in glass and a broken windshield. The highest amount a 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 it’s not worth carrying full coverage.

Liability car insurance – Liability coverage protects you from injuries or damage you cause to other’s property or people that is your fault. It protects you against claims from other people. Liability doesn’t cover damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show policy limits of 100/300/100 that means you have a limit of $100,000 per injured person, $300,000 for the entire accident, and a limit of $100,000 paid for damaged property. Alternatively, you may have one limit called combined single limit (CSL) which combines the three limits into one amount with no separate limits for injury or property damage.

Liability insurance covers claims such as bail bonds, medical expenses, repair bills for other people’s vehicles and court costs. The amount of liability coverage you purchase is a decision to put some thought into, but you should buy as large an amount as possible.

Protection from uninsured/underinsured drivers – This coverage provides protection when other motorists do not carry enough liability coverage. This coverage pays for hospital bills for your injuries as well as damage to your Dodge Charger.

Because many people carry very low liability coverage limits, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is important protection for you and your family. Normally these limits are set the same as your liablity limits.

Never pay more for less

We just covered a lot of ways to lower your 2013 Dodge Charger insurance rates. The most important thing to understand is the more rate quotes you have, the higher the chance of saving money. Drivers may discover the lowest rates come from a lesser-known regional company. Some small companies may only write in your state and offer lower rates than their larger competitors like Allstate and Progressive.

When you buy insurance online, don’t be tempted to sacrifice coverage to reduce premiums. There are many occasions where someone sacrificed collision coverage only to regret that their decision to reduce coverage ended up costing them more. Your aim should be to get the best coverage possible at an affordable rate while not skimping on critical coverages.

Much more information about car insurance can be read at these links: