Cheaper 2017 Dodge Charger Insurance Rates

Trying to find better auto insurance rates for your Dodge Charger? Searching for better insurance prices for your Dodge Charger can turn out to be a painful process, but you can learn a few tricks to make it easier. There are both good and bad ways to find auto insurance online so we’re going to tell you the proper way to get price quotes for a new or used Dodge and find the lowest price either online or from local insurance agents.

You need to do price comparisons yearly because insurance prices are usually higher with each renewal. Just because you found the lowest rates on Charger insurance six months ago there may be better deals available now. Forget anything you know (or think you know) about auto insurance because I’m going to let you in on the secrets to the fastest and easiest way to find great coverage at a great price.

Finding the best rates is not rocket science. If you have a current insurance policy or are looking for a new policy, you can use this information to reduce the price you pay and possibly find even better coverage. Consumers just need to learn the most efficient way to shop their coverage around over the internet.

How to buy insurance

Finding cheaper 2017 Dodge Charger insurance quotes is actually easier than you may think. All that’s required is to spend a few minutes to compare rate quotes from different insurance companies. Insurance prices can be quoted in just a few minutes using one of these methods.

  • The best way to get quotes would be an industry-wide quote request form (click to open form in new window). This type of form prevents you from having to do a different quote for every company. One quote request compares rates from several companies. This is by far the quickest method.
  • A slightly less efficient method to get comparison quotes requires a visit to each company website and repeat the quote process. For examples sake, we’ll pretend you want to get rates from USAA, Geico and Progressive. You would need to spend time on each company’s site and repeatedly enter your information, which can take a lot of time.

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

Whichever method you choose, do your best to enter the same deductibles and coverage limits for each quote you get. If the quotes have differing limits it will be next to impossible to find the best deal for your Dodge Charger.

Cheap insurance rates with discounts

Insurance is not inexpensive, but there’s a good chance there are discounts that can drop the cost substantially. A few discounts will be applied at the time you complete a quote, but some need to be manually applied before they will apply.

  • Paperless Signup – Many companies will discount your bill up to fifty bucks get auto insurance digitally online.
  • Onboard Data Collection – People who choose to allow data collection to track where and when they drive through the use of a telematics system like Allstate’s Drivewise might get better premium rates as long as they are good drivers.
  • Accident Forgiveness – Not a discount per se, but a few companies such as Allstate and Progressive will turn a blind eye to one accident without getting socked with a rate hike so long as you haven’t had any claims for a certain period of time.
  • Distant Student – College-age children who are enrolled in a college that is more than 100 miles from home and won’t have access to an insured vehicle could get you a discount.
  • Passive Restraints and Air Bags – Factory options such as air bags or automatic seat belts can get savings of 20 to 30 percent.
  • Life Insurance – If the company offers life insurance, you could get a discounted premium rate on car insurance if you buy some life insurance in addition to your auto policy.
  • Seat Belt Discounts – Forcing all vehicle occupants to use their safety belts can save a little on the premium charged for medical payments and/or PIP.
  • Organization Discounts – Belonging to certain professional organizations can get you a small discount on your next insurance statement.

You can save money using discounts, but most discounts do not apply to all coverage premiums. Most only cut the cost of specific coverages such as medical payments or collision. So despite the fact that it appears you would end up receiving a 100% discount, insurance companies wouldn’t stay in business.

Auto insurance companies that may offer quotes with most of these discounts are:

When quoting, ask all companies you are considering how many discounts you can get. A few discounts might not be offered in your area. If you would like to view insurance companies that can offer you the previously mentioned discounts, click this link.

Tailor your insurance coverage coverage to you

When buying coverage, there is no single plan that fits everyone. Everyone’s needs are different.

For instance, these questions could help you determine whether your personal situation will benefit from professional help.

  • Do I have coverage for damage caused while driving under the influence?
  • Am I covered by my spouse’s policy after a separation?
  • Are my tools covered if they get stolen from my vehicle?
  • Am I covered if I break a side mirror?
  • When would I need additional glass coverage?
  • Are there companies who specialize in insuring high-risk drivers?
  • Are split liability limits better than a combined single limit?
  • Will filing a claim cost me more?

If you don’t know the answers to these questions but a few of them apply then you might want to talk to an agent. To find an agent in your area, fill out this quick form. It only takes a few minutes and may give you better protection.

Auto insurance 101

Understanding the coverages of a auto insurance policy helps when choosing the right coverages and the correct deductibles and limits. The coverage terms in a policy can be impossible to understand and nobody wants to actually read their policy.

Liability car insurance

This protects you from damage that occurs to a person or their property. This insurance protects YOU against claims from other people. It does not cover your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have liability limits of 100/300/100 which stand for $100,000 bodily injury coverage, a limit of $300,000 in injury protection per accident, and $100,000 of coverage for damaged propery.

Liability insurance covers things like medical expenses, medical services, structural damage, repair bills for other people’s vehicles and legal defense fees. How much coverage you buy is up to you, but it’s cheap coverage so purchase as high a limit as you can afford.

UM/UIM Coverage

This gives you protection from other motorists when they either have no liability insurance or not enough. It can pay for injuries to you and your family and damage to your Dodge Charger.

Due to the fact that many drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages should not be overlooked.

Collision coverage

Collision insurance pays for damage to your Charger from colliding with another car or object. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers claims such as damaging your car on a curb, colliding with another moving vehicle, crashing into a building, rolling your car and colliding with a tree. Paying for collision coverage can be pricey, so you might think about dropping it from lower value vehicles. It’s also possible to raise the deductible to save money on collision insurance.

Medical costs insurance

Medical payments and Personal Injury Protection insurance pay for short-term medical expenses like dental work, ambulance fees, nursing services and rehabilitation expenses. The coverages can be used to cover expenses not covered by your health insurance plan or if you lack health insurance entirely. It covers you and your occupants and will also cover if you are hit as a while walking down the street. Personal injury protection coverage is not an option in every state but can be used in place of medical payments coverage

Comprehensive or 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 can pay for claims like vandalism, a tree branch falling on your vehicle, damage from a tornado or hurricane and a broken windshield. The most your auto insurance company will pay is the ACV or actual cash value, so if it’s not worth much more than your deductible consider dropping full coverage.

Affordable insurance is out there

As you go through the steps to switch your coverage, it’s a bad idea to skimp on coverage in order to save money. There have been many cases where an insured cut liability coverage limits only to find out that the few dollars in savings costed them thousands. Your goal is to purchase a proper amount of coverage at a price you can afford but still have enough coverage for asset protection.

We just showed you a lot of tips how to get a better price on 2017 Dodge Charger insurance. The key concept to understand is the more rate quotes you have, the better likelihood of getting low cost auto insurance. Consumers may even find the lowest priced car insurance comes from a lesser-known regional company.

Lower-priced 2017 Dodge Charger insurance can be purchased online in addition to many insurance agents, so get free auto insurance quotes from both of them to get a complete price analysis. Some companies don’t offer the ability to get a quote online and many times these smaller companies provide coverage only through independent agents.

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