2010 Dodge Charger Car Insurance Quotes – 8 Tips for Best Rates

Want the cheapest insurance rates for your Dodge Charger? Cutting costs on insurance can seem to be hard for people who are new to shopping for insurance online. You have so many options that it can easily become more work than you anticipated to find lower rates.

It is always a good idea to take a look at other company’s rates before your policy renews because insurance rates change frequently. Just because you found the best rates for Charger insurance two years ago the chances are good that you can find a lower rate today. So just forget all the misinformation about insurance because you’re going to get a crash course in the best way to find better rates and still maintain coverage.

Cut prices on Dodge Charger insurance

The price of auto insurance can be rather high, but you can get discounts to help offset the cost. Larger premium reductions will be automatically applied when you complete an application, but less common discounts must be asked for prior to receiving the credit.

  • Paperless Signup – Certain companies will discount your bill up to fifty bucks for buying a policy and signing up over the internet.
  • Safety Course Discount – Taking part in a defensive driving course can save you 5% or more if you qualify.
  • Good Student – A discount for being a good student can save 20 to 25%. The discount lasts up to age 25.
  • Accident Forgiveness – Some insurance companies permit an accident before your rates go up if your claims history is clear for a certain period of time.
  • Theft Prevention Discount – Vehicles equipped with anti-theft or alarm systems can help prevent theft and earn discounts up to 10%.
  • Life Insurance – Larger companies have lower rates if you buy life insurance from them.
  • Air Bag Discount – Vehicles with factory air bags and/or automatic seat belt systems can get savings of 20% or more.
  • Anti-lock Brakes – Cars that have steering control and anti-lock brakes are safer to drive and earn discounts up to 10%.

Drivers should understand that many deductions do not apply to the entire policy premium. Most only reduce the price of certain insurance coverages like collision or personal injury protection. So when the math indicates it’s possible to get free car insurance, car insurance companies aren’t that generous. Any amount of discount will cut your premiums.

To see a list of providers with the best car insurance discounts, click this link.

Slick advertising tricks that work

State Farm, GEICO and Progressive consistently run ads on television and other media. All the companies say the same thing that you can save if you change to their company. How does each company claim to save you money?

All the different companies are able to cherry pick for the right customer that is profitable for them. A good example of a profitable customer might be between the ages of 30 and 50, has no tickets, and has great credit. A customer getting a price quote who matches those parameters will qualify for the lowest rates and therefore will save a lot of money.

Potential customers who don’t meet these standards will have to pay higher premiums and this can result in business going elsewhere. The ad wording is “people who switch” not “people who quote” save that kind of money. This is how companies can state the savings.

Because of the profiling, it is so important to get as many quotes as possible. It’s impossible to know the company that will fit your personal profile best.

Tailor your coverage to you

When buying coverage, there is no one size fits all plan. Every situation is different.

For instance, these questions can aid in determining whether or not you may require specific advice.

  • Does my 2010 Dodge Charger qualify for pleasure use?
  • Can I get a multi-policy discount?
  • Is my teen driver covered when they drive my company car?
  • Am I covered when using my vehicle for business?
  • Can I still get insurance after a DUI?
  • Should I have combined single limit or split liability limits?

If you can’t answer these questions, you may need to chat with a licensed insurance agent. If you want to speak to an agent in your area, fill out this quick form.

Insurance coverage options for a 2010 Dodge Charger

Knowing the specifics of a insurance policy can be of help when determining the right coverages for your vehicles. Policy terminology can be impossible to understand and even agents have difficulty translating policy wording.

Medical expense insurance

Medical payments and Personal Injury Protection insurance reimburse you for bills for EMT expenses, funeral costs and X-ray expenses. They can be used in conjunction with a health insurance plan or if you lack health insurance entirely. Coverage applies to you and your occupants in addition to any family member struck as a pedestrian. Personal injury protection coverage is only offered in select states and may carry a deductible

Protection from uninsured/underinsured drivers

Uninsured or Underinsured Motorist coverage protects you and your vehicle from other motorists when they are uninsured or don’t have enough coverage. This coverage pays for injuries sustained by your vehicle’s occupants and damage to your Dodge Charger.

Due to the fact that many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is important protection for you and your family. Usually your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.

Liability coverages

Liability insurance protects you from damages or injuries you inflict on a person or their property by causing an accident. This insurance protects YOU from claims by other people, and doesn’t cover your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show limits of 25/50/25 that translate to $25,000 in coverage for each person’s injuries, $50,000 for the entire accident, and property damage coverage for $25,000. Another option is one limit called combined single limit (CSL) which limits claims to one amount rather than limiting it on a per person basis.

Liability can pay for things such as medical expenses, loss of income, attorney fees, emergency aid and pain and suffering. How much coverage you buy is your choice, but you should buy as high a limit as you can afford.

Collision coverage

This pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for claims like crashing into a building, sideswiping another vehicle, scraping a guard rail and backing into a parked car. Paying for collision coverage can be pricey, so you might think about dropping it from vehicles that are 8 years or older. It’s also possible to bump up the deductible to get cheaper collision coverage.

Comprehensive (Other than Collision)

Comprehensive insurance coverage covers damage that is not covered by collision coverage. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive coverage pays for things such as a broken windshield, hitting a deer, damage from getting keyed and damage from a tornado or hurricane. The maximum payout you can receive from a comprehensive claim is the actual cash value, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Power to the consumer

People switch companies for any number of reasons including an unsatisfactory settlement offer, delays in responding to claim requests, lack of trust in their agent and even not issuing a premium refund. It doesn’t matter why you want to switch finding the right insurance coverage provider is less work than it seems.

We covered some good ideas how you can shop for 2010 Dodge Charger insurance online. It’s most important to understand that the more quotes you get, the better likelihood of reducing your rate. You may even discover the biggest savings come from a smaller regional carrier.

As you go through the steps to switch your coverage, it’s not a good idea to sacrifice coverage to reduce premiums. There are a lot of situations where someone dropped physical damage coverage only to discover later that saving that couple of dollars actually costed them tens of thousands. Your aim should be to buy enough coverage at a price you can afford while still protecting your assets.

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