Lower Your 2013 Dodge Charger Car Insurance Rates

Nobody I know looks forward to buying insurance coverage, particularly when the cost is too high. Lots of insurers contend for your insurance dollar, and because of this it can be hard to compare car insurance companies and get the best coverage at the lowest rate possible.

If you are insured now or are shopping for new coverage, you can use these techniques to find the best rates and possibly find even better coverage. Finding the best rates is easy if you know what you’re doing. Vehicle owners only need an understanding of the proper methods to compare rates on the web.

More discounts equal less premium

Insuring your vehicles can cost a lot, but there are discounts available to help bring down the price. Larger premium reductions will be automatically applied at the time of purchase, but less common discounts must be asked about before being credited. If you aren’t receiving every discount possible, you are paying more than you should be.

  • Discount for Life Insurance – Some companies give a discount if you purchase a life insurance policy as well.
  • Seat Belt Usage – Drivers who require all occupants to wear their seat belts could cut 10% or more off your PIP or medical payments premium.
  • Low Mileage – Low mileage vehicles can qualify you for a substantially lower rate.
  • More Vehicles More Savings – Insuring multiple cars or trucks with the same company can get a discount on all vehicles.
  • New Vehicle Savings – Putting insurance coverage on a new car can be considerably cheaper compared to insuring an older model.
  • One Accident Forgiven – A few companies will forgive one accident before hitting you with a surcharge as long as you don’t have any claims for a certain period of time.
  • Senior Discount – Older drivers may qualify for better insurance coverage rates on Charger coverage.
  • Driver’s Ed – Cut your cost by having your teen driver enroll in driver’s education if it’s offered in school.

As a disclaimer on discounts, some credits don’t apply to the entire cost. A few only apply to specific coverage prices like physical damage coverage or medical payments. Just because you may think all those discounts means the company will pay you, companies don’t profit that way. Any amount of discount will bring down the cost of coverage.

Companies that possibly offer these money-saving discounts are:

It’s a good idea to ask each insurance company which discounts they offer. All car insurance discounts may not apply in every state.

Lesser-known factors impacting Dodge Charger insurance rates

It’s important that you understand the factors that help determine insurance rates. Knowing what controls the rates you pay empowers consumers to make smart changes that could result in big savings.

The following are a few of the “ingredients” used by your company to calculate premiums.

  • Traffic violations increase rates – A bad driving record has a huge affect on how much you pay. Even one citation can bump up the cost forty percent or more. Drivers who don’t get tickets receive lower rates than bad drivers. If you have serious violations like DUI or reckless driving may find they need to file a proof of financial responsibility form (SR-22) with their state DMV in order to continue driving.
  • Marriage pays dividends – Having a spouse helps lower the price on insurance. Having a spouse usually means you are more mature and responsible and it’s proven that married couples file fewer claims.
  • Add-on coverages can add up – There are a lot of additional coverages that can waste your money when buying insurance. Coverages like personal injury protection, accident forgiveness and term life insurance are some examples. They may seem good when you first buy your policy, but if they’re wasting money get rid of them and save.
  • Optional equipment can affect rates – Owning a car with a theft deterrent system can help lower your rates. Anti-theft devices such as tamper alarm systems, vehicle immobilizer technology and General Motors OnStar can help prevent your car from being stolen.

It’s not one size fits all

When it comes to buying the right insurance coverage, there is no single plan that fits everyone. Your needs are not the same as everyone else’s so your insurance should reflect that Here are some questions about coverages that might help in determining whether you would benefit from professional advice.

  • Am I covered if hit by an uninsured driver?
  • Why am I be forced to buy a membership to get insurance from some companies?
  • Am I covered if I hit a deer?
  • At what point should I drop full coverage?
  • How do I buy GAP insurance?
  • Do I need medical payments coverage since I have good health insurance?
  • Does my policy cover my teen driver if they drive my company car?
  • Do I benefit by insuring my home with the same company?
  • How can I find cheaper teen driver insurance?

If you don’t know the answers to these questions, you may need to chat with a licensed insurance agent. If you don’t have a local agent, take a second and complete this form or you can go here for a list of companies in your area. It’s fast, free and can help protect your family.

Do drivers who switch really save?

Consumers can’t ignore all the ads for car insurance savings by companies like Allstate and Progressive. They all make the same claim of big savings if you move to them.

How do they all make almost identical claims? This is how they do it.

All the different companies have a preferred profile for the type of customer that is profitable for them. For example, a driver they prefer might be over the age of 40, insures multiple vehicles, and drives less than 10,000 miles a year. A propective insured who fits that profile gets the lowest rates and therefore will save when they switch companies.

Potential customers who fall outside these standards must pay a higher premium and this can result in business not being written. Company advertisements say “drivers who switch” but not “drivers who get quotes” save that much money. This is how companies can make those claims.

This illustrates why you absolutely need to get as many comparisons as possible. Because you never know which insurance company will provide you with the cheapest Dodge Charger insurance rates.

Specific coverage details

Understanding the coverages of your insurance policy can help you determine appropriate coverage and the correct deductibles and limits. The terms used in a policy can be impossible to understand and nobody wants to actually read their policy. Shown next are the normal coverages offered by insurance companies.

Comprehensive coverages – This coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for things like hitting a bird, damage from a tornado or hurricane, a broken windshield and damage from flooding. The maximum payout you can receive from a comprehensive claim is the actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Liability coverages – Liability insurance provides protection from damages or injuries you inflict on other people or property in an accident. This insurance protects YOU from claims by other people, and doesn’t cover your injuries or vehicle damage.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see limits of 25/50/25 which stand for $25,000 in coverage for each person’s injuries, a limit of $50,000 in injury protection per accident, and property damage coverage for $25,000. Another option is a combined single limit or CSL which limits claims to one amount rather than limiting it on a per person basis.

Liability coverage pays for things such as medical expenses, medical services, pain and suffering and funeral expenses. How much coverage you buy is your choice, but buy as high a limit as you can afford.

Uninsured and underinsured coverage – Uninsured or Underinsured Motorist coverage provides protection from other motorists when they either are underinsured or have no liability coverage at all. Covered losses include medical payments for you and your occupants as well as your vehicle’s damage.

Since a lot of drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage is a good idea. Usually these limits are identical to your policy’s liability coverage.

Coverage for medical payments – Medical payments and Personal Injury Protection insurance pay for expenses for nursing services, pain medications and surgery. They can be used to fill the gap from your health insurance plan or if you are not covered by health insurance. Coverage applies to both the driver and occupants in addition to any family member struck as a pedestrian. Personal Injury Protection is not an option in every state and may carry a deductible

Collision coverage – Collision coverage will pay to fix damage to your Charger from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers claims such as colliding with another moving vehicle, sustaining damage from a pot hole, colliding with a tree and rolling your car. Collision coverage makes up a good portion of your premium, so consider removing coverage from older vehicles. You can also bump up the deductible to save money on collision insurance.

Online plus local equals savings

Low-cost 2013 Dodge Charger insurance can be bought on the web in addition to many insurance agents, and you need to price shop both so you have a total pricing picture. Some auto insurance companies do not provide online price quotes and many times these small insurance companies only sell through independent insurance agents.

While you’re price shopping online, it’s a bad idea to skimp on coverage in order to save money. There have been many situations where drivers have reduced collision coverage only to regret that it was a big mistake. Your strategy should be to purchase plenty of coverage at the best price while still protecting your assets.

Additional detailed information can be found at these sites: