Lower Your 2016 Dodge Charger Insurance Quotes

Searching for better car insurance rates for your Dodge Charger? Being forced to pay for expensive car insurance premiums can take a big chunk out of your budget and maybe even restrict other spending. Comparing cost estimates is an excellent way to make ends meet.

Vehicle owners have multiple insurers to choose from, and although it’s a good thing to have multiple companies, it can be more challenging to find the lowest cost provider.

Choosing the best insurance company for you is quite easy. If you are paying for car insurance now, you will most likely be able to lower your premiums substantially using this strategy. Vehicle owners just need to understand the most efficient way to find the lowest price on the web.

Affordable insurance rates with discounts

Some providers do not list every policy discount in an easy-to-find place, so the following is a list of some of the more common as well as the least known credits available to you.

  • Active Service Discounts – Having a deployed family member may qualify for rate reductions.
  • Telematics Data – Drivers that enable data collection to look at their driving habits by using a telematics device in their vehicle like Drivewise from Allstate or In-Drive from State Farm could possibly reduce rates if they show good driving skills.
  • Anti-lock Brakes – Anti-lock brake equipped vehicles prevent accidents so companies give up to a 10% discount.
  • Pay Now and Pay Less – If you can afford to pay the entire bill rather than paying monthly you could save 5% or more.
  • Bundled Policy Discount – If you can combine your home and auto policy and place coverage with the same company they may give you a discount of over 10 percent off each policy depending on the company.
  • Air Bags and Passive Restraints – Vehicles equipped with air bags or motorized seat belts may qualify for discounts of 20 to 30 percent.
  • No Charge for an Accident – Not necessarily a discount, but a few companies such as Allstate, State Farm and Geico may permit one accident before your rates go up so long as you are claim-free for a specific time period.
  • Smart Student Discounts – Maintaining excellent grades can be rewarded with saving of up to 25%. Most companies allow this discount up until you turn 25.
  • Save with a New Car – Insuring a new car can save up to 30% since new vehicles have better safety ratings.

A little note about advertised discounts, most of the big mark downs will not be given to your bottom line cost. Some only reduce individual premiums such as medical payments or collision. So when the math indicates all the discounts add up to a free policy, that’s just not realistic.

A list of insurance companies and the discounts they provide can be read below.

  • Geico may have discounts that include seat belt use, driver training, membership and employees, military active duty, multi-vehicle, and daytime running lights.
  • SAFECO includes discounts for homeowner, bundle discounts, anti-lock brakes, drive less, safe driver, and teen safe driver.
  • State Farm discounts include student away at school, multiple policy, safe vehicle, defensive driving training, accident-free, and good driver.
  • MetLife policyholders can earn discounts including defensive driver, multi-policy, accident-free, good student, good driver, claim-free
  • 21st Century may offer discounts for student driver, automatic seat belts, early bird, air bags, anti-lock brakes, and defensive driver.
  • Progressive may include discounts for homeowner, continuous coverage, multi-policy, online signing, multi-vehicle, and good student.

Before purchasing a policy, check with each insurance company to apply every possible discount. Savings may not apply in your area.

Tailor your car insurance coverage to you

When choosing the best car insurance coverage for your personal vehicles, there really is not a single plan that fits everyone. Every insured’s situation is different so this has to be addressed. For example, these questions could help you determine whether or not you would benefit from an agent’s advice.

  • What is high-risk coverage and where do I buy it?
  • Is my ex-spouse still covered by my policy?
  • Are my tools covered if they get stolen from my vehicle?
  • How can I get high-risk coverage after a DUI?
  • I don’t drive much so do I pay less?
  • What exactly is covered by my policy?
  • How do I file an SR-22 for a DUI in my state?

If you’re not sure about those questions, then you may want to think about talking to an agent. To find an agent in your area, take a second and complete this form or click here for a list of car insurance companies in your area. It only takes a few minutes and can help protect your family.

Well known brands might not be cheapest

Drivers get pounded daily by advertisements for cheaper car insurance by companies like Allstate and Progressive. They all seem to advertise the message that people will save if you just switch your policy.

How is it possible that every company can make the same claim? It’s all in the wording.

All the different companies have specific guidelines for the type of driver that earns them a profit. One example of this type of risk profile may need to be over age 30, has had continuous coverage, and has excellent credit. A customer getting a price quote who fits those characteristics receives the best auto insurance rates and will most likely cut their rates if they switch.

Drivers who don’t measure up to these criteria will be quoted a higher premium and this results in the customer buying from someone else. Company advertisements say “customers who switch” but not “all drivers who get quotes” can get the lowest rates when switching. That’s the way insurance companies can make claims that they all have the best auto insurance rates. This really illustrates why it’s extremely important to get insurance quotes from several different companies. You cannot predict the company that will have the best rates.

The coverage is in the details

Knowing the specifics of insurance aids in choosing the right coverages and proper limits and deductibles. Policy terminology can be impossible to understand and even agents have difficulty translating policy wording. These are typical coverage types found on most insurance policies.

Comprehensive (Other than Collision)

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

Comprehensive coverage protects against claims like hitting a deer, falling objects and vandalism. The highest amount a insurance company will pay at claim time is the market value of your vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Protection from uninsured/underinsured drivers

Your UM/UIM coverage gives you protection from other drivers when they either have no liability insurance or not enough. It can pay for medical payments for you and your occupants and also any damage incurred to your Dodge Charger.

Since many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. So UM/UIM coverage is very important.

Collision insurance

This coverage pays to fix your vehicle from damage caused by 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 insurance covers things like sideswiping another vehicle, colliding with another moving vehicle, hitting a mailbox, damaging your car on a curb and driving through your garage door. Paying for collision coverage can be pricey, so consider removing coverage from lower value vehicles. You can also choose a higher deductible to get cheaper collision coverage.

Auto liability insurance

This can cover damage or injury you incur to a person or their property that is your fault. This coverage protects you from claims by other people. Liability doesn’t cover damage sustained by your vehicle in an accident.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see values of 50/100/50 that means you have a limit of $50,000 per injured person, $100,000 for the entire accident, and property damage coverage for $50,000.

Liability coverage pays for claims like funeral expenses, emergency aid and structural damage. The amount of liability coverage you purchase is up to you, but you should buy as much as you can afford.

Medical expense insurance

Med pay and PIP coverage pay for expenses like doctor visits, prosthetic devices and X-ray expenses. They are utilized in addition to your health insurance plan or if you are not covered by health insurance. Coverage applies to all vehicle occupants in addition to being hit by a car walking across the street. Personal injury protection coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage

Coverage on a shoestring budget

We just showed you a lot of information how to lower your 2016 Dodge Charger insurance prices. The key concept to understand is the more rate comparisons you have, the higher your chance of finding cheaper insurance. Consumers may even find the best price on insurance coverage is with some of the smallest insurance companies. They may only write in your state and offer lower rates than the large multi-state companies such as Allstate and Progressive.

As you prepare to switch companies, it’s not a good idea to buy less coverage just to save a little money. There have been many cases where drivers have reduced physical damage coverage and found out when filing a claim that it was a big error on their part. The aim is to purchase plenty of coverage at an affordable rate while not skimping on critical coverages.

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