2014 Dodge Charger Car Insurance Cost – 7 Tricks for Cheapest Prices

Searching for lower car insurance rates for your Dodge Charger? Locating low-cost insurance for a Dodge Charger can be an all-consuming task, but you can use our car insurance buying tips and make it easy.

There is a better way to shop for car insurance so you’re going to learn the best way to compare rates for your Dodge and get the lowest possible price from local insurance agents and online providers.

Consumers should take time to compare premium rates periodically since prices go up and down regularly. Just because you found the best quotes for Charger insurance six months ago you will most likely find a better rate today. Block out anything you think you know about car insurance because we’re going to demonstrate the best methods to eliminate unnecessary coverages and save money.

Cheapest insurance price quotes

Shopping for lower insurance rates is a ton of work if you don’t know the easiest way. You could spend your day driving to agents in your area, or you could use the web to get the quickest rates.

Most major companies take part in a program where insurance shoppers send in one quote, and each company can provide price quotes based on the submitted data. This saves time by eliminating quote requests to each company. To find out what other companies charge click here to start a free quote.

The only downside to getting quotes like this is that you can’t choose which carriers to get quotes from. If you prefer to choose specific providers to compare rates, we put together a list of low cost insurance companies in your area. Click to view list.

Whichever way you choose to compare rates, make sure you are using equivalent information on every quote you get. If your comparisons have different values for each quote it’s not possible to get a fair rate comparison.

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Is there truth in advertising?

Consumers can’t escape the ads that promise big savings for switching by companies like Allstate and Progressive. They all make an identical promise that you can save after switching to them.

How is it plausible that every one can save you money? It’s all in the words they use.

Insurance providers quote their cheapest rates for the type of customer that earns them the highest profit. For instance, a preferred risk could be a female over age 40, has no prior claims, and insures a new vehicle. A propective insured who fits those characteristics will get the preferred car insurance rates and will most likely save a lot if they switch.

Potential customers who are not a match for this ideal profile may be forced to pay more expensive rates which leads to the driver buying from a lower-cost company. Company advertisements say “people that switch” not “everyone who quotes” save money. That’s why companies can make those claims.

That is why you really need to compare price quotes frequently. Because without a comparison, you cannot know with any certainty which company will provide the lowest prices.

Insurance discounts help slash rates

The cost of insuring your cars can be expensive, but you might be missing out on some discounts that many consumers don’t even know exist. Some discounts will apply at quote time, but lesser-known reductions have to be asked about prior to receiving the credit.

• Bundle and Save – When you have multiple policies with one company you may save nearly 15% which can help you find affordable insurance.
• Theft Prevention Discount – Cars and trucks optioned with advanced anti-theft systems have a lower chance of being stolen and earn discounts up to 10% off your insurance quote.
• E-sign Discounts – Many insurance companies will provide an incentive for buying a policy and signing up on your computer.
• New Vehicle Savings – Buying a new car model can be considerably cheaper due to better safety requirements for newer vehicles.
• Sign Early and Save – Select insurance companies give a discount for switching to them before your current policy expires. This discount can save up to 10%.
• Senior Citizen Rates – Older drivers may receive a small decrease in premiums for Charger insurance.
• Accident Forgiveness Coverage – This one is not really a discount per se, but some insurance companies will forgive one accident before they charge you more for coverage so long as you haven’t had any claims prior to the accident.

Don’t be shocked that most discount credits are not given to all coverage premiums. Some only reduce specific coverage prices like physical damage coverage or medical payments. Just because you may think it’s possible to get free car insurance, companies don’t profit that way. Any qualifying discounts should help reduce the cost of coverage.

Popular insurance companies and the discounts they provide can be found below.

• State Farm includes discounts for multiple autos, good student, multiple policy, driver’s education, Drive Safe & Save, and safe vehicle.
• Liberty Mutual policyholders can earn discounts including new graduate, multi-policy, preferred payment discount, newly married, hybrid vehicle, multi-car, and teen driver discount.
• American Family has discounts for TimeAway discount, air bags, mySafetyValet, good driver, early bird, and good student.
• Progressive may offer discounts for continuous coverage, online quote discount, multi-policy, good student, and multi-vehicle.
• Farmers Insurance offers discounts including electronic funds transfer, good student, youthful driver, early shopping, and business and professional.
• Auto-Owners Insurance offers discounts for company car, paid in full, group or association, student away at school, paperless, and teen driver.
• SAFECO may have discounts that include multi-car, homeowner, anti-lock brakes, accident prevention training, drive less, and bundle discounts.

When comparing rates, check with each company or agent how you can save money. Some discounts might not be offered in your area. If you would like to see a list of insurance companies that can offer you the previously mentioned discounts, follow this link.

Which is the best auto insurance?

When buying the best auto insurance coverage, there really is no single plan that fits everyone. Every insured’s situation is different.

For instance, these questions can aid in determining if your insurance needs will benefit from professional help.

• Does insurance cover damages from a DUI accident?
• Are my friends covered when driving my car?
• Do I have coverage if my license is suspended?
• Do I pay less if my vehicle is kept in my garage?
• Can I rent a car in Mexico?
• Is my ex-spouse still covered by my policy?
• Can I pay claims out-of-pocket if I buy high deductibles?
• How can I get my company to pay me more for my totalled car?

If you can’t answer these questions but you think they might apply to your situation, then you may want to think about talking to an agent. To find an agent in your area, simply complete this short form. It’s fast, free and you can get the answers you need.

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Car insurance policy specifics

Learning about specific coverages of a car insurance policy can be of help when determining the best coverages and proper limits and deductibles. Policy terminology can be difficult to understand and coverage can change by endorsement.

Med pay and Personal Injury Protection (PIP)

Coverage for medical payments and/or PIP pay for short-term medical expenses like hospital visits, surgery and EMT expenses. They are often used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. They cover all vehicle occupants and will also cover any family member struck as a pedestrian. Personal Injury Protection is not available in all states and gives slightly broader coverage than med pay

Uninsured/Underinsured Motorist (UM/UIM)

Your UM/UIM coverage gives you protection from other drivers when they are uninsured or don’t have enough coverage. Covered claims include injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Since many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. So UM/UIM coverage should not be overlooked. Normally these limits are identical to your policy’s liability coverage.

Comprehensive insurance

Comprehensive insurance will pay to fix damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against claims such as hitting a bird, theft and rock chips in glass. The maximum amount your car insurance company will pay is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Auto collision coverage

Collision insurance will pay to fix damage to your Charger resulting from colliding with another vehicle or an object, but not an animal. You have to pay a deductible then your collision coverage will kick in.

Collision insurance covers claims such as colliding with another moving vehicle, hitting a mailbox, sideswiping another vehicle, colliding with a tree and crashing into a building. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from older vehicles. Another option is to raise the deductible in order to get cheaper collision rates.

Liability coverages

Liability insurance can cover damage or injury you incur to a person or their property in an accident. Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show liability limits of 25/50/25 that translate to a $25,000 limit per person for injuries, a limit of $50,000 in injury protection per accident, and $25,000 of coverage for damaged propery. Alternatively, you may have a combined limit that pays claims from the same limit and claims can be made without the split limit restrictions.

Liability coverage protects against things such as repair bills for other people’s vehicles, attorney fees and pain and suffering. The amount of liability coverage you purchase is up to you, but buy as much as you can afford.

Make an honest buck

The cheapest 2014 Dodge Charger insurance is available on the web and from local agencies, so you should compare both to have the best chance of lowering rates. There are still a few companies who may not offer the ability to get a quote online and usually these regional insurance providers sell through local independent agencies.

When searching for cheap insurance quotes, it’s not a good idea to skimp on critical coverages to save a buck or two. There are many occasions where someone sacrificed liability limits or collision coverage to discover at claim time that they should have had better coverage. Your strategy should be to purchase plenty of coverage at the lowest possible cost but still have enough coverage for asset protection.

People leave their current company for any number of reasons including delays in paying claims, being labeled a high risk driver, policy non-renewal or even lack of trust in their agent. Regardless of your reason, choosing a new company can be less work than you think.

More information is located below:

• Car Insurance for Teen Drivers with Divorced Parents (Allstate)
• Car Insurance: When not to Skimp (BankRate.com)
• What is Gap Insurance? (Insurance Information Insitute)
• Alcohol Impaired Driving FAQ (iihs.org)

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