2006 Dodge Charger Car Insurance Rates – 6 Tricks for Best Quotes

Searching for the cheapest insurance coverage rates for your Dodge Charger? Have you had enough of trying to scrape together enough money each month for car insurance? You’re in the same situation as many other drivers. Since consumers have many companies to choose from, it can be diffult for consumers to locate the most affordable company.

It’s smart to price shop coverage quite often due to the fact that insurance rates change frequently. Despite the fact that you may have had the best deal for Charger coverage six months ago a different company probably has better rates today. You can find a lot of wrong information about insurance coverage on the web, but we’re going to give you the best ways to reduce your insurance coverage bill.

This article will help you learn the best way to quote coverages and some money-saving tips. If you currently have a car insurance policy, you stand a good chance to be able to lower your premiums substantially using this information. Drivers just need to learn the tricks to shop over the internet.

Car Insurance Comparison Rates

Finding a lower price on 2006 Dodge Charger insurance isn’t really that difficult. The only requirement is to spend a little time to get quotes online with multiple companies. This is very easy and can be done in just a few minutes using one of these methods.

  1. The recommended way to get quotes for comparison is to use a rate comparison form click here to open form in new window. This form eliminates the need for separate forms for every car insurance company. Filling out one form gets you price quotes direct from many companies.
  2. A more difficult way to obtain and compare quotes online requires you to visit the website of each company and request a quote. For examples sake, we’ll pretend you want to compare Progressive, Allstate and Travelers. To find out each rate you need to visit each site and enter your policy data, which is why most consumers use the first method. For a list of links to companies insuring cars in your area, click here.
  3. The most time-consuming way to compare rates is driving to and from local insurance agencies. The ability to buy insurance online has reduced the need for local agents unless you have a need for the professional advice of a licensed agent. You can, however, obtain prices from the web and still use a local agent.

Whichever method you choose, make absolute certain that you use the exact same coverage information on every quote you get. If your comparisons have different limits and deductibles on each one you will not be able to determine which rate is truly the best.

Is there truth in advertising?

Consumers constantly see and hear ads that promise big savings by companies like Allstate, GEICO and Progressive. All the ads have a common claim about savings after switching to them.

How can each company make almost identical claims?

Insurance companies have a preferred profile for the driver that makes them money. An example of a driver they prefer might be over the age of 40, a clean driving record, and drives less than 10,000 miles a year. A propective insured that hits that “sweet spot” will qualify for the lowest rates and most likely will save when they switch companies.

Potential customers who are not a match for the requirements will be charged higher rates and ends up with business going elsewhere. The ads state “customers that switch” not “people who quote” save that much money. This is how companies can truthfully make those claims.

That is why it’s extremely important to get quotes from several different companies. It’s impossible to know which insurance company will give you the biggest savings on Dodge Charger insurance.

Discounts are available to cut your rates

Insuring your vehicles can cost a lot, buy you may qualify for discounts to cut the cost considerably. Most are applied when you quote, but a few need to be specifically requested in order for you to get them. If you aren’t receiving every discount available, you’re just leaving money on the table.

  • Driver’s Ed – Make teen driver coverage more affordable by requiring them to enroll in driver’s education in high school.
  • Discounts for Safe Drivers – Drivers who don’t get into accidents may receive a discount up to 45% less for Charger coverage than drivers with accident claims.
  • Save with a New Car – Adding a new car to your policy can cost up to 25% less compared to insuring an older model.
  • Paperless Signup – A few companies may give you up to $50 for buying your policy on their website.
  • Senior Citizens – If you’re over the age of 55, you can possibly qualify for a discount up to 10% for Charger coverage.
  • Military Discounts – Having a family member in the military can result in better rates.

Keep in mind that many deductions do not apply to the entire cost. Some only reduce the price of certain insurance coverages like comprehensive or collision. Just because it seems like you could get a free insurance coverage policy, you’re out of luck. Any qualifying discounts will cut the cost of coverage.

To see a list of insurance companies with the best insurance coverage discounts, click this link.

Everyone needs different coverages

When it comes to choosing coverage for your vehicles, there isn’t really a best way to insure your cars. Each situation is unique so this has to be addressed. These are some specific questions could help you determine if your insurance needs could use an agent’s help.

  • Is my 2006 Dodge Charger covered for flood damage?
  • How can I get high-risk coverage after a DUI?
  • Should I get collision insurance on every vehicle?
  • Can I drive in Mexico and have coverage?
  • Do I have coverage when pulling a U-Haul trailer?
  • Will my vehicle be repaired with OEM or aftermarket parts?

If you can’t answer these questions but you know they apply to you, you might consider talking to an agent. If you want to speak to an agent in your area, fill out this quick form or click here for a list of insurance companies in your area. It is quick, free and you can get the answers you need.

Insurance coverage options for a 2006 Dodge Charger

Understanding the coverages of insurance helps when choosing the best coverages and proper limits and deductibles. Insurance terms can be ambiguous and reading a policy is terribly boring. Listed below are the normal coverages available from insurance companies.


This will cover damages or injuries you inflict on other’s property or people in an accident. It protects YOU against other people’s claims. Liability doesn’t cover your own vehicle damage or injuries.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show liability limits of 25/50/25 that means you have a limit of $25,000 per injured person, a total of $50,000 of bodily injury coverage per accident, and a total limit of $25,000 for damage to vehicles and property. Some companies may use one number which is a combined single limit which limits claims to one amount and claims can be made without the split limit restrictions.

Liability coverage pays for things such as attorney fees, medical expenses and court costs. How much liability coverage do you need? That is a personal decision, but you should buy as large an amount as possible.

UM/UIM Coverage

Uninsured or Underinsured Motorist coverage gives you protection when other motorists either have no liability insurance or not enough. This coverage pays for medical payments for you and your occupants and also any damage incurred to your 2006 Dodge Charger.

Because many people 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. Usually these coverages do not exceed the liability coverage limits.

Auto collision coverage

This coverage covers damage to your Charger resulting from colliding with an object or car. A deductible applies and then insurance will cover the remainder.

Collision insurance covers claims such as damaging your car on a curb, sustaining damage from a pot hole, hitting a mailbox and colliding with another moving vehicle. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. You can also increase the deductible in order to get cheaper collision rates.

Medical costs insurance

Personal Injury Protection (PIP) and medical payments coverage provide coverage for immediate expenses like chiropractic care, rehabilitation expenses, doctor visits, ambulance fees and hospital visits. The coverages can be utilized in addition to your health insurance policy or if there is no health insurance coverage. They cover both the driver and occupants in addition to being hit by a car walking across the street. PIP is not universally available but can be used in place of medical payments coverage

Comprehensive or Other Than Collision

Comprehensive insurance coverage will pay to fix damage OTHER than collision with another vehicle or object. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive coverage protects against things such as damage from flooding, damage from getting keyed, hitting a bird and hitting a deer. The most you can receive from a comprehensive claim is the market value of your vehicle, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

A tidy conclusion

When shopping online for insurance, it’s not a good idea to buy lower coverage limits just to save a few bucks. There have been many situations where consumers will sacrifice uninsured motorist or liability limits and found out when filing a claim that it was a big mistake. The ultimate goal is to buy enough coverage for the lowest price.

You just learned many ways to save on 2006 Dodge Charger insurance. The key thing to remember is the more you quote, the better your chances of lowering your rates. Consumers may even find the lowest premiums are with the least-expected company. These smaller insurers can often provide lower rates in certain areas as compared to the big name companies such as State Farm, GEICO and Nationwide.

Much more information about insurance can be found at these links: