How Much Does 2017 Dodge Charger Insurance Cost in 2024?

Scraping up a payment for expensive Dodge Charger insurance can deplete your accounts and require stricter spending habits.

Since consumers have many different company options, it is hard for the average consumer to locate the lowest cost insurance coverage company.

You need to take a look at other company’s rates quite often since insurance rates change quite often. Just because you had the best deal for Charger insurance six months ago a different company probably has better prices today. There is a lot of bad advice regarding insurance coverage out there, but in this article, you’re going to get the best ways to stop overpaying for insurance.

Finding affordable coverage is not that difficult. In a nutshell, everyone who carries insurance stands a good chance to be able to save money. Although vehicle owners do need to know how the larger insurance companies sell online and take advantage of how the system works.

Why your insurance costs might be higher

One of the most helpful ways to save on insurance is to to have a grasp of the different types of things that come into play when calculating the price you pay for insurance. When consumers understand what determines premiums, this empowers consumers to make smart changes that can help you get cheaper rates.

• How much liability insurance do you need? – Your policy’s liability coverage will provide protection if ever you are responsible for damages caused by your negligence. This coverage provides for a legal defense up to the limits shown on your policy. Liability insurance is quite affordable compared to physical damage coverage, so do not cut corners here.
• Lower rates for safer vehicles – Vehicles that have high safety ratings cost less to insure. Vehicles built for safety help reduce the chance of injuries in an accident and any reduction in injury severity translates into savings for insurance companies which can result in lower premiums. If your Dodge Charger is rated at least an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website it may cost less to insure.
• Do you really need roadside assistance? – Insurance companies have many add-on coverages that may not really be needed if you don’t pay attention. Add-on coverages like personal injury protection, towing coverage, and additional equipment coverage may be wasting your money. These may sound like a good investment when talking to your agent, but if you have no use for them eliminate the coverages to reduce your premium.
• Consolidate policies and save money – Many insurers provide lower prices to people that have more than one policy, otherwise known as a multi-policy discount. This can amount to five, ten or even twenty percent. If you currently are using one company, you still need to shop around to help guarantee you have the best rates. There is a chance you can find better rates by buying insurance from more than one company.
• Low credit score equals high prices – Credit score can be a huge factor in calculating your insurance rates. If your credit history can be improved, you could be paying less to insure your 2017 Dodge Charger by taking the time to improve your credit score. People with excellent credit scores tend to be more responsible and file fewer claims as compared to drivers with bad credit.

Compare quotes for auto insurance

Most of the larger companies such as Allstate, GEICO and Progressive allow you to get insurance quotes online. This process is quite simple as all you need to do is type in your coverage information as requested by the quote form. When the form is submitted, their rating system will obtain your credit score and driving record and gives you a price quote determined by many factors. Online price quotes streamlines rate comparisons, but the time required to go to several different sites and enter the same data into a form can be a bit repetitive. But it is imperative to perform this step if you want to find the lowest auto insurance rates.

There is a better way!

The preferred way to find better auto insurance pricing uses one simple form to get prices from a bunch of companies at once. It saves time, eliminates repetitive work, and makes quoting online much more enjoyable and efficient. As soon as you send your information, it gets priced and you can choose your choice of the pricing results. If one or more price quotes are lower than your current rates, you can simply submit the application and purchase coverage. This process takes less than 15 minutes and you will know how your current rates stack up.

To save time and use this form to compare rates, simply enter your zip code here and enter your information. If you have a policy now, it’s recommended you enter your coverages as shown on your current policy. Doing this assures you will have a rate comparison for the exact same coverage.

Do drivers who switch really save?

Popular auto insurance providers such as Allstate, GEICO and Progressive endlessly run ads on television and other media. All the ads advertise claims of big savings if you get a free car insurance quote and switch to their company. How does each company cost less than your current company? Here is how they do it.

All the different companies quote their cheapest rates for the right customer that will generate a profit. For instance, this type of insured may be a mature driver, has no claims, and has a high credit rating. Any new insured that fits those parameters will most likely get cheap rates and will most likely save when switching.

Drivers who do not fit the requirements may be forced to pay a more expensive rate which leads to business going elsewhere. If you listen closely, the ads state “people that switch” but not “all drivers who get quotes” will save that much if they switch. This is how insurance companies can lure you into getting a quote. This emphasizes why you really need to compare as many free car insurance quotes as you can. It is impossible to predict which auto insurance company will have better premium rates than you’re paying now.

You may qualify for discounts

Not too many consumers would say car insurance is affordable, but you may qualify for discounts that could drop your premiums quite a bit. A few discounts will be applied at the time you complete a quote, but a few must be asked about in order for you to get them. If you are not receiving all the discounts available, you could be saving more on your car insurance.

• Seat Belt Discounts – Using a seat belt and requiring all passengers to buckle up can save up to 10 percent (depending on the company) off the personal injury premium cost.
• More Vehicles More Savings – Having multiple vehicles on the same car insurance policy can get a discount on all vehicles.
• Online Discount – Certain insurance companies will discount your bill up to fifty bucks for buying a policy and signing up on the internet.
• Own a Home – Being a homeowner can earn you a little savings since owning and maintaining a home requires personal responsibility.
• No Charge for an Accident – Not a discount per se, but a handful of insurance companies may permit one accident before they charge you more for coverage as long as you don’t have any claims for a particular time prior to the accident.
• Pay Upfront and Save – By making one initial payment rather than paying in monthly installments you can avoid the installment charge.

Discounts reduce rates, but you should keep in mind that some of the credits will not apply to the entire cost. Most cut the price of certain insurance coverages like liability, collision or medical payments. Just because it seems like it’s possible to get free car insurance, it doesn’t quite work that way.

Some companies who might offer these discounts include:

• Farm Bureau
• Liberty Mutual
• State Farm
• Auto-Owners Insurance
• GEICO
• SAFECO

When getting a coverage quote, ask each insurance company what discounts are available to you. Depending on the company, some discounts might not be available to policyholders in your area. To choose companies who offer free car insurance quotes, enter your zip code here.

There’s no such thing as the perfect insurance policy

When buying the best insurance coverage, there really is no one size fits all plan. Your needs are not the same as everyone else’s so your insurance should reflect that For instance, these questions could help you determine whether or not you might need an agent’s assistance.

• What is the difference between comprehensive and collision coverage?
• Does having multiple vehicles earn me a discount?
• Should I sign the liability waiver when renting a car?
• Is my 2017 Dodge Charger covered for flood damage?
• Should I buy more coverage than the required minimum liability coverage?
• Am I missing any policy discounts?
• What if I owe more than I can insure my car for?
• Does insurance cover damages from a DUI accident?

If you’re not sure about those questions, you may need to chat with an agent. To find an agent in your area, fill out your zip code.

Car insurance coverages for a 2017 Dodge Charger

Having a good grasp of your policy can be of help when determining appropriate coverage and the correct deductibles and limits. Policy terminology can be difficult to understand and nobody wants to actually read their policy. Below you’ll find the normal coverages found on the average insurance policy.

Collision insurance

Collision insurance will pay to fix damage to your Charger from colliding with another car or object. You will need to pay your deductible and then insurance will cover the remainder.

Collision coverage pays for things such as crashing into a building, hitting a mailbox, rolling your car, crashing into a ditch and damaging your car on a curb. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are older. You can also bump up the deductible to bring the cost down.

Coverage for medical payments

Coverage for medical payments and/or PIP reimburse you for short-term medical expenses for prosthetic devices, EMT expenses and pain medications. They are often utilized in addition to your health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover you and your 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

Liability auto insurance

This will cover damages or injuries you inflict on other’s property or people. This coverage protects you from claims by other people, and doesn’t cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have policy limits of 100/300/100 which stand for a limit of $100,000 per injured person, a total of $300,000 of bodily injury coverage per accident, and property damage coverage for $100,000.

Liability coverage pays for things such as bail bonds, legal defense fees, court costs and pain and suffering. The amount of liability coverage you purchase is up to you, but you should buy as high a limit as you can afford.

Uninsured and underinsured coverage

This coverage protects you and your vehicle when other motorists are uninsured or don’t have enough coverage. This coverage pays for injuries to you and your family and damage to your Dodge Charger.

Since many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. So UM/UIM coverage is a good idea.

Comprehensive coverages

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 pays for things such as fire damage, damage from a tornado or hurricane and theft. The maximum amount you’ll receive from a claim is the market value of your vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Final thoughts

Lower-priced 2017 Dodge Charger insurance can be purchased both online and with local insurance agents, so you need to shop car insurance with both to have the best chance of lowering rates. There are still a few companies who may not offer internet price quotes and most of the time these smaller companies only sell through independent insurance agents.

As you restructure your insurance plan, never sacrifice coverage to reduce premiums. There have been many cases where consumers will sacrifice liability coverage limits and discovered at claim time that the few dollars in savings costed them thousands. Your goal should be to buy a smart amount of coverage at the best possible price, not the least amount of coverage.