Cheap 2014 Dodge Charger Insurance Quotes

Searching for better car insurance rates for your Dodge Charger? Expensive car insurance can overdraw your personal savings and force you to make sacrifices. Comparison shopping is free, only takes a few minutes, and is a good way to help make ends meet.

Companies like GEICO and Progressive promote their brand names with ads and it is difficult to see through the cute green geckos and mayhem and take the time to shop coverage around.

Consumers need to compare rates on a regular basis due to the fact that insurance rates are variable and change quite frequently. Even if you think you had the lowest price for Charger coverage on your last policy there is a good chance you can find better rates now. Forget all the misinformation about car insurance because we’re going to demonstrate one of the easiest ways to find the best coverage while lowering your premiums.

Fast and Easy Auto Insurance Quotes

Performing a rate comparison can take hours if you don’t understand the most efficient way to do it. You can waste hours talking about coverages with insurance companies in your area, or you can utilize online quotes to quickly compare rates.

The majority of car insurance companies belong to an insurance system that allows shoppers to submit their information once, and at least one company returns a competitive quote. This eliminates the need for repetitive form submissions to each individual auto insurance company.

To compare 2014 Dodge Charger rates now click to open in new window.

One minor caviat to pricing coverage this way is you are unable to specify the providers you want pricing from. So if you prefer to choose individual companies to compare prices, we have a page of the cheapest auto insurance companies in your area. View list of insurance companies.

It’s your choice how you get your quotes, but compare exactly the same coverage information on every quote you get. If you are comparing different deductibles it’s impossible to truly determine the lowest rate. Having just a slight variation in coverage limits may result in large price differences. And when quoting auto insurance, remember that having more price comparisons helps you find the best rates.

Don’t overlook these discounts

The price of auto insurance can be rather high, but companies offer discounts that many people don’t even know exist. Larger premium reductions will be automatically applied when you complete an application, but some must be specifically requested before you get the savings.

  • Passive Restraints and Air Bags – Vehicles with factory air bags or motorized seat belts can qualify for discounts of up to 25% or more.
  • Clubs and Organizations – Being a member of a civic or occupational organization may earn a discount on auto insurance for Charger coverage.
  • E-sign – A handful of insurance companies will give a small break for buying your policy over the internet.
  • Employee of Federal Government – Employees or retirees of the government may qualify you for a discount for Charger coverage with certain companies.
  • Multiple Cars – Insuring all your vehicles on one policy qualifies for this discount.
  • Payment Method – By paying your policy upfront instead of making monthly payments you can actually save on your bill.
  • Sign Early and Save – Some companies give discounts for switching policies before your current policy expires. It can save you around 10%.
  • Defensive Driver – Completing a defensive driving course can save you 5% or more depending on where you live.
  • Braking Control Discount – Anti-lock brake equipped vehicles are safer to drive and will save you 10% or more.
  • Claim Free – Good drivers with no accidents pay less as compared to frequent claim filers.

Consumers should know that most discount credits are not given to your bottom line cost. Some only apply to specific coverage prices like liability and collision coverage. Even though it may seem like all the discounts add up to a free policy, auto insurance companies aren’t that generous. But all discounts will help reduce your overall premium however.

Car insurance companies who might offer these discounts include:

Before buying, ask every prospective company which discounts they offer. Some discounts might not apply everywhere.

Is my situation unique?

When buying the best insurance coverage coverage, there really is not a single plan that fits everyone. Every insured’s situation is different so this has to be addressed. For instance, these questions may help you determine if you will benefit from professional help.

  • What is high-risk coverage and where do I buy it?
  • Does medical payments coverage apply to all occupants?
  • When should I remove comp and collision on my 2014 Dodge Charger?
  • Do I need replacement cost coverage on my 2014 Dodge Charger?
  • If I drive on a suspended license am I covered?
  • Why do I need rental car insurance?
  • Can I get a multi-policy discount?
  • Does my 2014 Dodge Charger need full coverage?
  • Is business equipment covered while in my vehicle?
  • I have good health insurance, so how much medical payments coverage do I need?

If it’s difficult to answer those questions, you may need to chat with a licensed insurance agent. If you don’t have a local agent, simply complete this short form or you can go here for a list of companies in your area.

Factors that can influence insurance rates for a Dodge Charger

An important part of buying insurance is that you know the rating factors that play a part in calculating the rates you pay for auto insurance. Having a good understanding of what determines base rates helps enable you to make changes that could result in lower auto insurance prices.

  • Theft deterrents lower rates – Driving a car with an alarm system can help bring down rates. Anti-theft devices like GM’s OnStar, tamper alarm systems and vehicle immobilizers all hinder car theft.
  • Don’t sacrifice liability coverage – Your policy’s liability coverage is the protection when a jury decides you are liable for personal injury or accident damage. It provides legal defense up to the limits shown on your policy. Liability insurance is quite affordable as compared to coverage for physical damage, so drivers should carry high limits.
  • Claim-free discounts can add up – If you frequently file small claims, you can look forward to either a policy non-renewal or much higher rates. Insurance companies give discounts to drivers who are claim-free. Auto insurance is meant to be used in the event of larger claims.
  • Bump up deductibles to save – Physical damage insurance, also known as collision and other-than-collision, protects your Dodge from damage. Some instances where coverage would apply are collision with another vehicle, collision with an animal, or theft. The deductibles are the amount of money you are willing to pay out-of-pocket before a claim is paid by your company. The more you are required to pay out-of-pocket, the lower your rates will be for Charger coverage.
  • A clean driving record saves money – Drivers who don’t get tickets get better rates compared to drivers with tickets. Even one speeding ticket can bump up the cost twenty percent or more. Drivers with flagrant tickets such as DUI or reckless driving are required to submit a SR-22 form with their state motor vehicle department in order to keep their license.

Coverages available on your insurance policy

Understanding the coverages of your policy helps when choosing appropriate coverage and proper limits and deductibles. The coverage terms in a policy can be difficult to understand and even agents have difficulty translating policy wording. Below you’ll find the normal coverages available from insurance companies.

Uninsured Motorist or Underinsured Motorist insurance

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when other motorists either have no liability insurance or not enough. It can pay for injuries to you and your family and also any damage incurred to your Dodge Charger.

Since a lot of drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family. Usually the UM/UIM limits do not exceed the liability coverage limits.

Comprehensive coverage (or Other than Collision)

This covers damage from a wide range of events other than collision. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers claims such as hitting a deer, vandalism and damage from getting keyed. The highest amount your insurance company will pay is the market value of your vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Collision insurance

Collision insurance pays for damage to your Charger resulting from a collision with another car or object. A deductible applies then your collision coverage will kick in.

Collision coverage protects against things such as crashing into a building, backing into a parked car, hitting a mailbox and driving through your garage door. This coverage can be expensive, so you might think about dropping it from lower value vehicles. Drivers also have the option to increase the deductible to get cheaper collision coverage.

Coverage for liability

Liability insurance provides protection from injuries or damage you cause to other’s property or people. It protects you against claims from other people, and doesn’t cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show limits of 25/50/25 that means you have $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. Alternatively, you may have a combined single limit or CSL which combines the three limits into one amount with no separate limits for injury or property damage.

Liability can pay for claims such as medical expenses, repair costs for stationary objects and medical services. The amount of liability coverage you purchase is up to you, but you should buy as high a limit as you can afford.

Insurance for medical payments

Coverage for medical payments and/or PIP reimburse you for short-term medical expenses for things like funeral costs, hospital visits and rehabilitation expenses. They are utilized in addition to your health insurance program or if you do not have health coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants in addition to getting struck while a pedestrian. Personal injury protection coverage is not available in all states but it provides additional coverages not offered by medical payments coverage

Shop. Compare. Save.

Cheap 2014 Dodge Charger insurance can be sourced on the web and with local insurance agents, and you should compare price quotes from both in order to have the best chance of saving money. Some insurance providers do not offer you the ability to get quotes online and most of the time these small, regional companies sell through independent agents.

Throughout this article, we presented many ideas to compare insurance prices online. The most important thing to understand is the more you quote, the higher your chance of finding lower rates. Consumers could even find that the lowest premiums are with the smaller companies. These companies may only write in your state and offer lower rates than the large multi-state companies such as State Farm or Progressive.

As you shop your coverage around, don’t be tempted to reduce needed coverages to save money. In many instances, someone dropped liability coverage limits and found out when filing a claim they didn’t purchase enough coverage. The ultimate goal is to purchase plenty of coverage at an affordable rate, not the least amount of coverage.

Much more information about insurance coverage is available at the links below