Lower Your 2008 Dodge Charger Insurance Cost

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.

Compare the Market for Insurance Coverage

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.

  1. The best way consumers can make multiple comparisons is an all-inclusive rate comparison click here to open form in new window. This form eliminates the need for separate quotation requests for every insurance coverage company. Completing one form gets rate comparisons from all major companies. It’s the fastest way to compare.
  2. A less efficient way to get comparison quotes requires a visit to the website for each individual company and request a quote. For examples sake, we’ll assume you want to compare Progressive, Allstate and GMAC. To get rate quotes you would need to visit each site and enter your information, which is why most consumers use the first method. To view a list of companies in your area, click here.
  3. The least recommended way to compare rates is to spend time driving to local insurance agencies. Shopping for insurance coverage online makes this process obsolete unless you have a need for the personal advice only provided by licensed agents. Drivers can find lower rates online but still have the advice of a local agent and we’ll touch on that later.

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.

Save money by taking advantage of these discounts

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.

  • Low Mileage – Fewer annual miles on your Dodge can earn better rates on cars that stay parked.
  • Multi-car Discount – Buying coverage for more than one vehicle on one policy can get a discount on all vehicles.
  • Multi-policy Discount – When you combine your home and auto insurance with the same company you will save approximately 10% to 15%.
  • Anti-theft Discount – Cars that have factory anti-theft systems help deter theft and will save you 10% or more.
  • Federal Employees – Simply working for the federal government can save as much as 8% for Charger insurance with select insurance companies.

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 should I use an insurance agent?

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.

  • Is a new car covered when I drive it off the dealer lot?
  • Do I have coverage when pulling a U-Haul trailer?
  • Can I still get insurance after a DUI?
  • Should I put collision coverage on all my vehicles?
  • Can my babysitter drive my car?
  • Am I covered if I hit a deer?
  • Does having multiple vehicles earn me a discount?

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.

Insurance coverage breakdown

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 protection

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