Cheapest 2012 Dodge Charger Insurance Rates in 2024

Want cheaper auto insurance rates for your Dodge Charger? No one looks forward to paying for auto insurance, particularly when they are paying too much. Multiple insurers compete for your insurance dollar, so it’s not easy to compare every provider and get the best coverage at the best rates possible.

If you have a current car insurance policy or are looking for a new policy, you can use these techniques to find better prices and still get good coverage. Finding the best rates is easy if you know what you’re doing. Drivers just need to understand the most effective way to compare prices online.

Car Insurance Comparison Rates

There are several ways you can shop for Dodge Charger car insurance but there is one way that is easier and takes less work. You can spend countless hours discussing policy coverages with local insurance agents in your area, or you could save time and use online quotes to get rate comparisons in just a few minutes.

The majority of car insurance companies belong to a marketplace that enables customers to submit their information once, and every company provides a quote determined by their information. This eliminates the need for quote forms to each company.

To find out what other companies charge for 2012 Dodge Charger insurance click here to open in new window.

One minor caveat to getting quotes like this is you don’t know exactly which carriers you will receive quotes from. So if you prefer to choose individual companies for rate comparison, we have assembled a list of low cost car insurance companies in your area. View list of insurance companies.

It doesn’t matter which method you choose, just make absolute certain that you use the exact same coverages with each company. If you compare different values for each quote it will be very difficult to find the best deal for your Dodge Charger.

Will just any policy work for me?

When it comes to buying the right insurance coverage, there is no “perfect” insurance plan. Everyone’s needs are different and your policy should reflect that. Here are some questions about coverages that may help you determine whether your personal situation could use an agent’s help.

• Do I need rental car coverage?
• How much liability insurance is required?
• Do I need more liability coverage?
• Is a new car covered when I drive it off the dealer lot?
• Is my business laptop covered if it gets stolen from my vehicle?
• Does my car insurance cover rental cars?
• What is the rate difference between pleasure use and commuting?
• Does medical payments coverage apply to all occupants?
• Will I be non-renewed for getting a DUI or other conviction?
• Can my babysitter drive my car?

If you don’t know the answers to these questions but you know they apply to you, you might consider talking to a licensed agent. To find lower rates from a local agent, fill out this quick form or you can also visit this page to select a carrier It only takes a few minutes and you can get the answers you need.

Car insurance coverages for a 2012 Dodge Charger

Understanding the coverages of insurance can be of help when determining appropriate coverage for your vehicles. Policy terminology can be impossible to understand and even agents have difficulty translating policy wording. Listed below are the normal coverages available from insurance companies.

Uninsured Motorist or Underinsured Motorist insurance

This coverage gives you protection from other motorists when they either have no liability insurance or not enough. Covered claims include medical payments for you and your occupants and also any damage incurred to your Dodge Charger.

Since a lot of drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. So UM/UIM coverage should not be overlooked. Normally these coverages do not exceed the liability coverage limits.

Auto liability insurance

Liability coverage protects you from damages or injuries you inflict on other’s property or people. This coverage protects you from claims by other people. Liability doesn’t cover your injuries or vehicle damage.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see policy limits of 25/50/25 that means you have a limit of $25,000 per injured person, $50,000 for the entire accident, and a limit of $25,000 paid for damaged property. Occasionally you may see 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 repair costs for stationary objects, legal defense fees, bail bonds and funeral expenses. How much liability should you purchase? That is your choice, but consider buying as large an amount as possible.

Insurance for medical payments

Med pay and PIP coverage kick in for short-term medical expenses such as hospital visits, dental work, rehabilitation expenses and chiropractic care. They can be utilized in addition to your health insurance program or if you lack health insurance entirely. It covers all vehicle occupants and also covers if you are hit as a while walking down the street. PIP coverage is not available in all states and may carry a deductible

Comprehensive coverage (or Other than Collision)

This coverage pays to fix your vehicle from damage that is not covered by collision coverage. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for things such as a broken windshield, hail damage and a tree branch falling on your vehicle. The most your insurance company will pay is the market value of your vehicle, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Collision protection

This coverage pays for damage to your Charger from colliding with another car or object. You have to pay a deductible and then insurance will cover the remainder.

Collision coverage protects against things like crashing into a ditch, damaging your car on a curb and rolling your car. Collision is rather expensive coverage, so consider dropping it from vehicles that are 8 years or older. Drivers also have the option to raise the deductible to bring the cost down.