2021 Dodge Charger Insurance Quotes in 2024

Want lower car insurance rates for your Dodge Charger? Do you think you bought overpriced car insurance? It’s a common feeling and there are lots of residents who feel the same.

Companies like State Farm, Progressive and GEICO promote their brand names with advertising and it can be hard to not get sucked in by the cute commercials and find the best price available.

It’s a great practice to shop coverage around quite often because car insurance rates are constantly changing. Just because you had the best premium rates on Charger coverage two years ago other companies may now be cheaper. You can find a lot of information about car insurance out there, but you can learn some guaranteed methods to reduce your car insurance bill.

More affordable rates with discounts

Car insurance companies don’t always advertise all their discounts in a way that’s easy to find, so below is a list both the well known and also the lesser-known credits that you can use to lower your rates. If you check and find you aren’t receiving every discount you qualify for, you’re paying more than you need to.

• Discount for Switching Early – Some insurance companies give discounts for switching to them prior to your current policy expiration. The savings is around 10%.
• Save with a New Car – Buying a new car model can be considerably cheaper because new vehicles have to meet stringent safety requirements.
• Student Discounts – Getting good grades could provide a savings of up to 20% or more. You can use this discount normally up to age 25.
• Driver’s Ed – It’s a good idea to have your young drivers take driver’s ed class in high school.
• Life Insurance Discount – If the company offers life insurance, you could get a break if you buy some life insurance too.
• Accident Waiver – This isn’t a discount exactly, but a handful of insurance companies will allow you to have one accident without raising rates as long as you don’t have any claims prior to being involved in the accident.
• Discounts for Seat Belt Usage – Drivers who require all occupants to wear their seat belts could save 15% off PIP or medical payments premium.
• Driver Safety – Taking time to complete a course that instructs on driving safety may get you a small discount if you qualify.

Don’t be shocked that many deductions do not apply to the overall cost of the policy. Most only cut the cost of specific coverages such as comprehensive or collision. Despite the appearance that it’s possible to get free car insurance, companies don’t profit that way.

Companies and some of the premium reductions they offer are outlined below.

• American Family has savings for good driver, Steer into Savings, mySafetyValet, air bags, TimeAway discount, and accident-free.
• Nationwide offers premium reductions for anti-theft, Farm Bureau membership, good student, defensive driving, family plan, easy pay, and multi-policy.
• MetLife has discounts for accident-free, defensive driver, claim-free, good driver, and multi-policy.
• 21st Century may offer discounts for good student, early bird, theft prevention, automatic seat belts, and anti-lock brakes.
• Farmers Insurance includes discounts for pay in full, multi-car, electronic funds transfer, bundle discounts, teen driver, business and professional, and early shopping.
• Allstate may have discounts that include 55 and retired, economy car, new car, good payer, senior citizen, and premier plus.

Before purchasing a policy, check with each company or agent what discounts are available to you. Some discounts may not apply in your area. If you would like to view providers that offer many of these discounts, enter your zip code here.

What is the best insurance coverage?

When it comes to choosing coverage for your vehicles, there really is not a “best” method to buy coverage. Everyone’s needs are different so this has to be addressed. These are some specific questions can help discover if your situation might need professional guidance.

• Does insurance cover tools stolen from my truck?
• Am I covered when driving in Canada or Mexico?
• I have health insurance so do I need medical payments coverage?
• When should I not file a claim?
• Is rental equipment covered for theft or damage?
• Where can I get insurance after a DUI in my state?
• Is my babysitter covered when using my vehicle?
• Can I get a multi-policy discount?

If you can’t answer these questions but you think they might apply to your situation, you may need to chat with a licensed agent. To find an agent in your area, fill out your zip code.

Insurance buyers beware

Companies like Allstate and Progressive endlessly run ads on television and other media. All the companies state the claim that you’ll save big just by switching your coverage. How is it possible that every company can offer drivers better rates? It’s all in the numbers.

Insurance providers can use profiling for the type of customer that earns them the most money. A good example of a preferred risk might be described as over the age of 35, has other policies, and does not commute to work. Any person who matches that profile is entitled to the best price and will save quite a bit of money when switching.

Potential customers who don’t measure up to these standards will be charged higher prices which translates to the customer not buying. If you listen to the ad wording, they say “customers that switch” not “everyone who quotes” can save as much as they claim. This is how companies can truthfully state the savings.

This really emphasizes why you need to quote coverage with many companies. It’s not possible to predict which company will fit you best based on your risk profile.

Car insurance 101

Having a good grasp of a insurance policy aids in choosing the best coverages at the best deductibles and correct limits. Policy terminology can be difficult to understand and even agents have difficulty translating policy wording. These are the normal coverages found on the average insurance policy.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Your UM/UIM coverage protects you and your vehicle when the “other guys” are uninsured or don’t have enough coverage. This coverage pays for medical payments for you and your occupants as well as damage to your Dodge Charger.

Due to the fact that many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is very important. Frequently these coverages are set the same as your liability limits.

Liability auto insurance

This can cover damage that occurs to other’s property or people in an accident. This insurance protects YOU from claims by other people. It does not cover your own vehicle damage or injuries.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show limits of 50/100/50 which stand for $50,000 bodily injury coverage, $100,000 for the entire accident, and a limit of $50,000 paid for damaged property. Alternatively, you may have one limit called combined single limit (CSL) which provides one coverage limit with no separate limits for injury or property damage.

Liability can pay for claims like medical expenses, bail bonds, structural damage, repair costs for stationary objects and emergency aid. How much liability should you purchase? That is a decision to put some thought into, but you should buy as much as you can afford.

Medical payments and PIP coverage

Medical payments and Personal Injury Protection insurance pay for short-term medical expenses for X-ray expenses, chiropractic care and surgery. They are often used in conjunction with a health insurance plan or if you are not covered by health insurance. It covers both the driver and occupants in addition to any family member struck as a pedestrian. PIP is only offered in select states and may carry a deductible

Comprehensive auto coverage

This coverage covers damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive can pay for things such as falling objects, fire damage and hail damage. The maximum payout 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 coverage

This coverage covers damage to your Charger caused by collision with another vehicle or an object, but not an animal. You first must pay a deductible then your collision coverage will kick in.

Collision insurance covers claims such as rolling your car, colliding with a tree, colliding with another moving vehicle and damaging your car on a curb. Collision is rather expensive coverage, so consider dropping it from older vehicles. It’s also possible to increase the deductible to bring the cost down.

Better coverage you can count on

Affordable 2021 Dodge Charger insurance can be purchased from both online companies and from local agencies, and you need to comparison shop both to have the best chance of lowering rates. Some insurance providers do not offer online quoting and usually these regional carriers only sell through independent agents.

As you restructure your insurance plan, make sure you don’t buy lower coverage limits just to save a few bucks. In many cases, consumers will sacrifice physical damage coverage and found out when filing a claim that a couple dollars of savings turned into a financial nightmare. The goal is to buy a smart amount of coverage at the lowest possible cost, but do not skimp to save money.