Want lower auto insurance rates for your Dodge Charger? Are you intimidated by the crazy number of auto insurance choices? Many other consumers are too. There are so many options that it can turn into a challenge to find the lowest price.
There are several ways to compare rate quotes and find the best price. By far the easiest way to find the cheapest 2008 Dodge Charger insurance rates is to get quotes online. This can be accomplished using a couple different methods.
It’s your choice how you get your quotes, but ensure you’re using apples-to-apples coverages for every quote you compare. If you are comparing different liability limits you will not be able to make an equal comparison. Just a small difference in insurance coverages could mean much higher rates. Just remember that comparing more company’s prices will increase your chances of finding a better price.
Properly insuring your vehicles can get expensive, but there are discounts available to help offset the cost. Most are applied when you complete an application, but lesser-known reductions have to be requested specifically before being credited.
Keep in mind that some credits don’t apply to the entire policy premium. Most only reduce the cost of specific coverages such as liability and collision coverage. Just because you may think it’s possible to get free car insurance, companies don’t profit that way. Any qualifying discounts will bring down your overall premium however.
Companies that may offer these discounts include:
Double check with each company what discounts are available to you. Discounts may not be available in every state.
When choosing proper insurance coverage, there really is no one size fits all plan. Everyone’s situation is unique.
Here are some questions about coverages that might help in determining whether or not you might need an agent’s assistance.
If you don’t know the answers to these questions, you may need to chat with a licensed agent. If you don’t have a local agent, fill out this quick form.
Learning about specific coverages of insurance aids in choosing which coverages you need at the best deductibles and correct limits. The coverage terms in a policy can be ambiguous and even agents have difficulty translating policy wording.
Comprehensive insurance pays to fix your vehicle from damage from a wide range of events other than collision. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.
Comprehensive insurance covers claims such as damage from flooding, damage from getting keyed and theft. The maximum payout you’ll receive from a claim is the market value of your vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.
Liability auto insurance
Liability insurance protects you from damages or injuries you inflict on other’s property or people in an accident. It protects YOU from legal claims by others, and 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. As an example, you may have limits of 100/300/100 that translate to $100,000 in coverage for each person’s injuries, $300,000 for the entire accident, and property damage coverage for $100,000. Some companies may use one limit called combined single limit (CSL) which limits claims to one amount without having the split limit caps.
Liability can pay for things such as medical services, loss of income, court costs, pain and suffering and legal defense fees. How much liability coverage do you need? That is a personal decision, but it’s cheap coverage so purchase as high a limit as you can afford.
Collision coverage protection
Collision coverage will pay to fix damage to your Charger resulting from colliding with another vehicle or an object, but not an animal. A deductible applies and then insurance will cover the remainder.
Collision coverage protects against things such as driving through your garage door, sideswiping another vehicle and backing into a parked car. This coverage can be expensive, so consider removing coverage from lower value vehicles. Drivers also have the option to increase the deductible to save money on collision insurance.
Uninsured or underinsured coverage
This coverage protects you and your vehicle’s occupants when other motorists either are underinsured or have no liability coverage at all. Covered losses include injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.
Because many people only carry the minimum required liability limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is very important. Normally the UM/UIM limits are identical to your policy’s liability coverage.
Medical expense coverage
Medical payments and Personal Injury Protection insurance reimburse you for bills for ambulance fees, nursing services, chiropractic care, EMT expenses and X-ray expenses. The coverages can be used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. Coverage applies to you and your occupants and will also cover any family member struck as a pedestrian. Personal injury protection coverage is only offered in select states but can be used in place of medical payments coverage