Compare 2009 Dodge Charger Insurance Cost

Looking for better insurance rates for your Dodge Charger? Finding better insurance prices for a new or used Dodge Charger can normally be a lot of work, but you can learn these tips to find lower rates.

There are more efficient ways to compare insurance rates and we’ll show you the proper way to get price quotes for a Dodge and locate the lowest possible price from both online companies and local agents.

Best discounts on Dodge Charger coverage

Car insurance is not cheap, buy you may qualify for discounts that can drop the cost substantially. Certain discounts will be applied at quote time, but some must be specially asked for prior to receiving the credit. If they aren’t giving you every credit you qualify for, you’re just leaving money on the table.

  • Pay Upfront and Save – If paying your policy premium upfront rather than paying monthly you could save 5% or more.
  • Sign Early and Save – A few companies offer discounts for buying a policy before your current expiration date. It can save you around 10%.
  • No Charge for an Accident – A handful of insurance companies will allow you to have one accident before your rates go up so long as you haven’t had any claims for a certain period of time.
  • Lower Rates for Military – Having a deployed family member may qualify for rate reductions.
  • Homeowners Savings – Owning a house can help you save on auto insurance because maintaining a house demonstrates responsibility.
  • Defensive Driver – Taking a driver safety course could save 5% or more if you qualify.

A little note about advertised discounts, most discount credits are not given to your bottom line cost. The majority will only reduce the cost of specific coverages such as comprehensive or collision. Even though it may seem like you would end up receiving a 100% discount, auto insurance companies aren’t that generous. Any qualifying discounts will help reduce your premiums.

Insurance companies that may offer some of the above discounts may include but are not limited to:

Double check with all companies you are considering which discounts you may be entitled to. Savings might not be offered in your state.

Free Car Insurance Quotes

All the larger car insurance companies quote prices for coverage on the web. This process doesn’t take much effort as you just type in your personal and coverage information into the quote form. When complete, their system will obtain reports for credit and driving violations and generates pricing information based on many factors.

Online price quotes makes comparing rates easy, but the process of having to visit several different sites and complete many quote forms is not the best way to spend an afternoon. But it’s very important to compare as many rates as possible in order to find the best price possible.

The better way to compare rates

A more efficient way to find cheaper rates uses one form that gets price quotes from more than one company. This type of form saves time, requires less work, and makes quoting online much more enjoyable. Immediately after submitting the form, it is rated with multiple companies and you can pick any or none of the price quotes you receive.

If the quotes result in lower rates, you simply finish the application and purchase coverage. The entire process takes less than 15 minutes and you will know how your current rates stack up.

If you want to find out how much you’re overpaying now, click here and enter your vehicle and coverage information. If you have a policy now, it’s recommended you input deductibles and limits just like they are on your policy. This helps ensure you will have an apples-to-apples comparison for similar insurance coverage.

Impacting insurance rates for a Dodge Charger

It’s important that you understand the rating factors that come into play when calculating the rates you pay for insurance coverage. Having a good understanding of what impacts premium levels allows you to make educated decisions that could result in big savings.

  • Rates may be higher depending on your occupation – Occupations such as judges, social workers and dentists are shown to have the highest average rates attributed to high stress and lots of time spent at work. Other jobs such as pilots, historians and retirees pay the least on Charger coverage.
  • With age comes lower rates – Teenage drivers are statistically proven to get distracted easily when behind the wheel so insurance coverage rates are higher. Older insureds are more responsible, tend to file fewer claims and receive fewer citations.
  • Do you know you’re credit rating? – Credit score is a large factor in calculating your insurance coverage rates. If your credit score is lower than you’d like, you could pay less to insure your 2009 Dodge Charger by spending a little time repairing your credit. People with excellent credit tend to be more responsible than drivers with poor credit.
  • Little extras can really add up – There are a ton of add-on coverages that can waste your money if you aren’t careful. Coverages like rental car reimbursement, accident forgiveness and term life insurance are examples of these. They may seem like a good idea initially, but if they’re wasting money get rid of them and save.

Tailor your coverage to you

When buying coverage for your vehicles, there really is no “perfect” insurance plan. Everyone’s situation is unique.

These are some specific questions can help discover if you might need an agent’s assistance.

  • Does coverage extend to a rental car in a foreign country?
  • When should I drop full coverage on my 2009 Dodge Charger?
  • Can my teen driver be rated on a liability-only vehicle?
  • Do I have coverage when pulling a U-Haul trailer?
  • Is my babysitter covered when using my vehicle?
  • Am I better off with higher deductibles on my 2009 Dodge Charger?
  • What should my uninsured motorist coverage limits be in my state?
  • Is my vehicle covered by my employer’s policy when using it for work?

If you can’t answer these questions but you think they might apply to your situation, you may need to chat with a licensed insurance agent. If you don’t have a local agent, complete this form. It’s fast, doesn’t cost anything and can help protect your family.

Coverage specifics

Having a good grasp of your policy helps when choosing the best coverages and proper limits and deductibles. The terms used in a policy can be ambiguous and reading a policy is terribly boring.

Uninsured/Underinsured Motorist (UM/UIM)

Your UM/UIM coverage gives you protection when the “other guys” do not carry enough liability coverage. Covered claims include hospital bills for your injuries as well as damage to your 2009 Dodge Charger.

Because many people only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is very important. Most of the time these coverages are set the same as your liablity limits.

Collision protection

Collision insurance covers damage to your Charger resulting from colliding with an object or car. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for claims like colliding with a tree, backing into a parked car, hitting a parking meter and driving through your garage door. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are 8 years or older. Another option is to raise the deductible to bring the cost down.

Auto liability

Liability coverage protects you from damages or injuries you inflict on other people or property. This coverage protects you against claims from other people, and doesn’t cover your own vehicle damage or injuries.

Liability coverage has 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 policy limits of 25/50/25 that translate to $25,000 in coverage for each person’s injuries, $50,000 for the entire accident, and a limit of $25,000 paid for damaged property. Occasionally you may see one limit called combined single limit (CSL) which limits claims to one amount with no separate limits for injury or property damage.

Liability can pay for things such as medical services, medical expenses, court costs and repair bills for other people’s vehicles. How much liability should you purchase? That is a personal decision, but it’s cheap coverage so purchase as high a limit as you can afford.

Comprehensive insurance

This coverage covers damage that is not covered by collision coverage. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive can pay for things such as vandalism, damage from getting keyed, a tree branch falling on your vehicle, damage from flooding and hail damage. The most your car insurance company will pay is the market value of your vehicle, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Med pay and Personal Injury Protection (PIP)

Coverage for medical payments and/or PIP pay for immediate expenses for prosthetic devices, funeral costs, hospital visits, pain medications and rehabilitation expenses. The coverages can be used in conjunction with a health insurance policy or if there is no health insurance coverage. Coverage applies to not only the driver but also the vehicle occupants and will also cover getting struck while a pedestrian. Personal Injury Protection is not universally available but can be used in place of medical payments coverage

Saving money is sweet as honey

Drivers switch companies for any number of reasons including policy non-renewal, high prices, policy cancellation and unfair underwriting practices. Regardless of your reason for switching companies, choosing a new insurance company is pretty simple and you could end up saving a buck or two.

We just covered many ideas to reduce 2009 Dodge Charger insurance prices online. It’s most important to understand that the more you quote, the better likelihood of reducing your rate. Drivers may discover the best price on insurance is with a lesser-known regional company.

When buying insurance coverage, it’s a bad idea to sacrifice coverage to reduce premiums. Too many times, someone dropped liability limits or collision coverage only to discover later they didn’t have enough coverage. Your goal should be to get the best coverage possible at an affordable rate, not the least amount of coverage.

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