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Dodge Charger Insurance Rates

You have many choices when comparing insurance rates on your Dodge vehicle. You can either buy through an agent or shop online to check prices from a lot of auto insurance companies. Shopping for auto insurance through online companies is easy, in addition you can save money.

Consumers not familiar with comparing rates may think shopping for cheap Charger insurance is difficult. Finding a better price on auto insurance is not a difficult process. Consumers just need to spend a few minutes getting comparison quotes from different insurance companies. This is very easy and can be done by completing this short form.

Criteria which help determine Charger insurance quotes

Car insurance premiums for a Dodge Charger can be significantly different based upon several criteria. A few of these criteria are:

  • The performance level of your Charger
  • How many accidents you have had
  • Whether you insure your home with the same company
  • Use of your vehicle
  • Mature drivers pay less
  • Having a spouse can save money
  • Optional coverages like vehicle replacement
  • Your claim history
  • Maintaining coverage lowers rates
  • Owning a home can lower rates

An additional factor that will help determine Charger insurance rates is the year of the vehicle. New vehicles have a higher replacement value than older models so repair costs are higher which may end up costing you more. But new Dodge models may have safety features including anti-lock brakes, adaptive headlights, blind-spot warning system, and a backup camera that may help give discounted rates.

To get more specific information about how much rates will be for your vehicle, select the year of your Charger from the following list.

Coverage for liability - Liability insurance provides protection from injuries or damage you cause to other people or property by causing an accident. Liability coverage protects against claims such as funeral expenses, loss of income, and emergency aid. Liability insurance is relatively cheap so you should buy as large an amount as possible.

Collision coverages - Collision coverage pays to fix your vehicle from damage caused by collision with another vehicle or an object, but not an animal. You first must pay a deductible and then insurance will cover the remainder. Charger collision insurance is rather expensive coverage, so consider dropping it from older vehicles. It's also possible to raise the deductible to save money on collision insurance.

Comprehensive coverage (or Other than Collision) - Comprehensive insurance pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and then insurance will cover the rest of the damage. The highest amount a auto insurance company will pay at claim time is the actual cash value, so if the vehicle's value is low consider removing comprehensive coverage.

Uninsured and underinsured coverage - This coverage protects you and your vehicle when the "other guys" either have no liability insurance or not enough. Due to the fact that many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is important protection for you and your family.

Insurance for medical payments - Medical payments and Personal Injury Protection insurance provide coverage for bills such as ambulance fees, surgery, and doctor visits. They are used to fill the gap from your health insurance policy or if there is no health insurance coverage. PIP is not universally available but it provides additional coverages not offered by medical payments coverage.

How Much are Dodge Charger Insurance Rates?