2014 Dodge Charger Car Insurance Quotes

Looking for lower auto insurance rates for your Dodge Charger? Did you fall for a flashy sales pitch and buy high-priced auto insurance? Believe me when I say there are many consumers feeling the pinch from expensive auto insurance.

Multiple car insurance companies compete for your business, and because of this it can be hard to compare car insurance companies to find the lowest price

Smart consumers take time to take a look at other company’s rates before your policy renews since rates are adjusted regularly by insurance companies. Just because you found the lowest price on Charger insurance two years ago the chances are good that you can find a lower rate today. Starting right now, forget all the misinformation about auto insurance because we’re going to show you the best methods to save money, get proper coverage and the best rates.

How to Get Car Insurance Comparison Quotes

When shopping for car insurance there are multiple ways of comparing rates and find the best price. The best way to find the lowest 2014 Dodge Charger rates involves getting comparison quotes online. This can be accomplished in several different ways.

The recommended way to find the lowest comparison rates would be an industry-wide quote request form like this one (opens in new window). This form prevents you from having to do separate quote forms for each company you want a rate for. Filling out one form will return price quotes from multiple companies.
A more time consuming way to compare prices requires you to visit the website for every company you want to comare to complete their respective quote request forms. For example, we’ll pretend you want comparison quotes from Auto-Owners, Geico and Liberty Mutual. To get each rate you have to take the time to go to each site to enter your coverage information, which is why the first method is quicker.
For a list of links to insurance companies in your area, click here.
The least efficient way to compare rates is to waste gas driving to local insurance agencies. Shopping for car insurance online has reduced the need for local agents unless you require the personal advice only provided by licensed agents. You can, however, find lower rates online but buy from a local insurance agent and we’ll touch on that later.

It’s your choice how you get your quotes, but ensure you’re using identical coverage limits with every price quote. If the quotes have different deductibles you will not be able to decipher which rate is best. Slightly different coverages may result in large price differences. And when price shopping your coverage, more quotes will improve the odds of getting a lower rate.

Are you getting all your discounts?

Companies don’t always advertise all available discounts in an easy-to-find place, so we researched both well-publicized and the more hidden ways to save on car insurance.

Memberships – Participating in a qualifying organization is a good way to get lower rates on your policy on Charger insurance.
Defensive Driver – Taking part in a driver safety course could save 5% or more and easily recoup the cost of the course.
Low Mileage – Fewer annual miles on your Dodge could qualify for discounted rates on garaged vehicles.
Good Students Pay Less – Performing well in school can be rewarded with saving of up to 25%. Earning this discount can benefit you up until you turn 25.
Distant Student – Kids in college who are attending college and do not have a car can be insured at a reduced rate.
Bundle and Save – When you combine your home and auto insurance with the same company you may save up to 20% off your total premium.
Sign Early and Save – Some insurance companies reward drivers for switching to them prior to your current policy expiring. It can save you around 10%.
Safe Driver Discount – Drivers who don’t get into accidents may save up to 50% more on Charger insurance than drivers with accident claims.
Use Seat Belts – Using a seat belt and requiring all passengers to use their safety belts could cut 10% or more off your medical payments premium.

Drivers should understand that most credits do not apply to all coverage premiums. Most only reduce specific coverage prices like collision or personal injury protection. So when the math indicates adding up those discounts means a free policy, you won’t be that lucky.

Insurance companies that may offer these discounts are:

It’s a good idea to ask each company which discounts you may be entitled to. Savings might not apply in every state.

When might I need an agent?

When it comes to buying the best auto insurance coverage for your personal vehicles, there really is not a perfect coverage plan. Each situation is unique and your policy should reflect that. For example, these questions can aid in determining whether your personal situation would benefit from an agent’s advice.

What is the rate difference between pleasure use and commuting?
How do I insure my teen driver?
What is roadside assistance coverage?
Do I have coverage when pulling a U-Haul trailer?
Do I need to file an SR-22 for a DUI in my state?
Will I be non-renewed for getting a DUI or other conviction?
Do I need an umbrella policy?
Is my nanny covered when driving my vehicle?
Is other people’s property covered if stolen from my vehicle?

If you’re not sure about those questions but one or more may apply to you then you might want to talk to a licensed insurance agent. To find lower rates from a local agent, fill out this quick form or you can go here for a list of companies in your area.

Insurance coverage breakdown

Knowing the specifics of your policy can be of help when determining the best coverages for your vehicles. Policy terminology can be confusing and nobody wants to actually read their policy. These are typical coverages offered by insurance companies.

Auto collision coverage

This covers damage to your Charger from colliding with an object or car. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers things like rolling your car, colliding with a tree and damaging your car on a curb. Collision is rather expensive coverage, so you might think about dropping it from older vehicles. You can also choose a higher deductible to get cheaper collision coverage.

Uninsured Motorist or Underinsured Motorist insurance

This coverage protects you and your vehicle’s occupants when the “other guys” 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 only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage should not be overlooked.

Liability coverage

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

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have values of 50/100/50 that translate to a limit of $50,000 per injured person, a limit of $100,000 in injury protection per accident, and $50,000 of coverage for damaged propery.

Liability can pay for claims like bail bonds, medical services, emergency aid, medical expenses and pain and suffering. How much liability should you purchase? That is your choice, but it’s cheap coverage so purchase as large an amount as possible.

Insurance for medical payments

Coverage for medical payments and/or PIP kick in for expenses for funeral costs, prosthetic devices, surgery, pain medications and dental work. They are used to fill the gap from your health insurance program or if you do not have health coverage. Coverage applies to you and your occupants and also covers getting struck while a pedestrian. PIP coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage

Comprehensive coverage (or Other than Collision)

This will pay to fix damage OTHER than collision with another vehicle or object. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive can pay for things such as fire damage, rock chips in glass, damage from getting keyed and falling objects. 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 consider dropping full coverage.