Want cheaper auto insurance rates for your Dodge Charger? Nobody I know likes paying for auto insurance, especially when their premiums are too high. Companies like Progressive, State Farm and GEICO persitently shower you with advertising and consumers find it hard to separate fact from fiction and take the time to shop coverage around.
Companies offering auto insurance don’t always list all their discounts very clearly, so the following is a list of some of the more common and the harder-to-find discounts you could be receiving. If you’re not getting every credit you deserve, you’re just leaving money on the table.
As a disclaimer on discounts, some credits don’t apply to your bottom line cost. Some only apply to individual premiums such as liability and collision coverage. Even though it may seem like you can get free auto insurance, it just doesn’t work that way.
A partial list of companies that may have these discounts include:
Before buying, ask every prospective company which discounts you may be entitled to. Some discounts may not be available in your state.
Consumers need to have an understanding of the rating factors that help determine the price you pay for insurance. When you know what positively or negatively influences your rates enables informed choices that can help you get lower insurance prices.
When choosing coverage, there isn’t really a best way to insure your cars. Coverage needs to be tailored to your specific needs and a cookie cutter policy won’t apply. Here are some questions about coverages that may help you determine whether your personal situation might need professional guidance.
If you’re not sure about those questions but you think they might apply to your situation then you might want to talk to a licensed insurance agent. To find an agent in your area, simply complete this short form or you can go here for a list of companies in your area. It only takes a few minutes and may give you better protection.
Knowing the specifics of your insurance policy can be of help when determining the best coverages at the best deductibles and correct limits. The coverage terms in a policy can be impossible to understand and coverage can change by endorsement. Shown next are typical coverages available from insurance companies.
Comprehensive (Other than Collision)
Comprehensive insurance pays for damage OTHER than collision with another vehicle or object. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.
Comprehensive insurance covers claims such as vandalism, falling objects and damage from getting keyed. The highest amount a insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.
Protection from uninsured/underinsured drivers
This coverage protects you and your vehicle from other drivers when they either are underinsured or have no liability coverage at all. This coverage pays for hospital bills for your injuries as well as your vehicle’s damage.
Since a lot of drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage should not be overlooked.
This will cover damage that occurs to other people or property. This coverage protects you from claims by other people. Liability 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. Your policy might show liability limits of 100/300/100 which means a limit of $100,000 per injured person, a total of $300,000 of bodily injury coverage per accident, and a total limit of $100,000 for damage to vehicles and property.
Liability coverage protects against things like court costs, bail bonds and medical services. How much liability should you purchase? That is a personal decision, but you should buy as large an amount as possible.
Medical expense insurance
Coverage for medical payments and/or PIP reimburse you for bills for funeral costs, X-ray expenses, prosthetic devices and rehabilitation expenses. They can be used in conjunction with a health insurance program or if you do not have health 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 coverage is only offered in select states and may carry a deductible
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 then your collision coverage will kick in.
Collision insurance covers things such as crashing into a ditch, scraping a guard rail, colliding with another moving vehicle, rolling your car and backing into a parked car. This coverage can be expensive, so consider dropping it from older vehicles. You can also increase the deductible to bring the cost down.
We just presented many tips how you can shop for 2012 Dodge Charger insurance online. It’s most important to understand that the more price quotes you have, the better your chances of lowering your rates. Consumers could even find that the most savings is with a smaller regional carrier. They can often provide lower rates in certain areas than their larger competitors like Allstate and Progressive.
Cost effective insurance can be purchased on the web as well as from independent agents, so you should compare both so you have a total pricing picture. A few companies don’t offer online price quotes and usually these regional insurance providers provide coverage only through local independent agents.
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