Trying to find better insurance prices for a Dodge Charger in Texas can be an all-consuming task, but you can follow our auto insurance buying tips to find lower rates. There is a right way and a wrong way to compare auto insurance rates and you need to know the proper way to get price quotes for your Dodge and obtain the lowest possible price.
It’s a good idea to take a look at other company’s rates once or twice a year since insurance prices change regularly. If you had the best deal on Charger insurance on your last policy you can probably find a better rate now. You can find a lot of information about auto insurance on the web, but we’re going to give you some great ways to buy auto insurance cheaper.
Buying car insurance in Dallas is not rocket science. Just about anyone who has to buy auto insurance should be able to save money. But Texas vehicle owners must learn how the larger insurance companies price insurance differently.
Lower rates by qualifying for discounts
Some insurance providers don’t list every possible discount very clearly, so the list below details some of the more common as well as some of the hidden discounts you could be receiving when you .
- Drive Safe and Save – Safe drivers can pay as much as 50% less on Charger insurance than drivers with accidents.
- Auto/Life Discount – Select insurance companies reward you with better auto insurancerates if you take out life insurance.
- Theft Deterent Discount – Vehicles that have factory alarm systems and tracking devices are less likely to be stolen so companies will give you a small discount.
- Good Student Discount – Being a good student can save 20 to 25%. Most companies allow this discount well after school through age 25.
- Accident Forgiveness – Not necessarily a discount, but some companies like Liberty Mutual, Allstate and State Farm permit an accident without the usual rate increase as long as you don’t have any claims for a specific time period.
- Bundled Policy Discount – If you insure your home and vehicles and insure them both with the same insurance company you could earn a discount of up to 20% off your total premium.
- E-sign – A few larger online companies will discount your bill up to fifty bucks for signing up on the web.
- Passive Restraints – Vehicles equipped with air bags or motorized seat belts may get savings of 20% or more.
Just know that most discount credits are not given to all coverage premiums. Most only reduce the cost of specific coverages such as medical payments or collision. If you do the math and it seems like all those discounts means the company will pay you, you won’t be that lucky.
Popular auto insurance companies and a summarized list of policyholder discounts are:
- American Family offers discounts for accident-free, good student, good driver, Steer into Savings, and defensive driver.
- Nationwide offers premium reductions for accident-free, Farm Bureau membership, good student, anti-theft, defensive driving, family plan, and easy pay.
- MetLife may have discounts that include good student, claim-free, accident-free, multi-policy, defensive driver, and good driver.
- 21st Century discounts include 55 and older, teen driver, automatic seat belts, theft prevention, student driver, defensive driver, and early bird.
- Farmers Insurance has savings for pay in full, business and professional, teen driver, good student, electronic funds transfer, alternative fuel, and homeowner.
- Allstate offers discounts including anti-lock brakes, premier discount, new car, good student, and senior citizen.
If you want , ask every insurance company which discounts they offer. Discounts might not be offered in your area. To locate insurers with the best discounts in Texas, follow this link.
What if I want to buy from local Dallas car insurance agents?
A small number of people still prefer to buy from a local agent and that is not a bad decision A nice benefit of comparing auto insurance online is the fact that you can find lower rates and still have an agent to talk to.
Upon completion of this simple form, the coverage information is emailed to agents in your area who will return price quotes for your business. It simplifies rate comparisons since you won’t have to contact any agents as quotes are delivered directly to your email. You can find the lowest rates and an insurance agent to talk to. If you need to get a rate quote from a specific auto insurance provider, you would need to go to their quote page and give them your coverage information.
Finding the right provider requires more thought than just the quoted price. Any good agent should know the answers to these questions.
- What will you get paid if your car is a total loss? How is that amount determined?
- Do they write coverage based solely on cost?
- Will they take your side in the event of a claim?
- Is there any savings for paying the full premium?
- Will you be dealing directly with the agent or with a Custom Service Representative (CSR)?
Different types of car insurance agents in Dallas
If you want to use a reputable insurance agent or broker, it can be helpful to understand the different agency structures and how they work. Auto insurance policy providers are either captive or independent.
Captive Auto Insurance Agencies
Agents of this type can only place business with one company such as Farmers Insurance, Allstate, or State Farm. They generally cannot compare rates from other companies so always compare other rates. Captive agencies are trained well on their company’s products and that can be a competitive advantage. Consumers frequently purchase coverage from captives mainly due to the brand rather than having the cheapest rates.
Independent Agents (or Brokers)
Agents in the independent channel do not sell for just one brand and that is an advantage because they can write policies with any number of different companies enabling the ability to shop coverage around. If prices rise, your policy is moved internally and you can keep the same agent. When comparing auto insurance rates, you will want to get some free quotes from independent agents in order to compare the most rates. Most have the option of insuring with small regional insurance companies that may provide cheaper auto insurance rates.
Even more information is located at the Texas Department of Insurance website. Texas drivers can read industry bulletins, view a list of available companies, and read enforcement actions against agents and companies.
The following information may also be useful.
- Insider Tricks to Paying Less for Dallas Texas Car Insurance
- Proven Methods for Low-Cost Dallas, TX Car Insurance
- Dallas Car Insurance Buying Tips Every Consumer Should Know
More quotes mean more savings
In this article, we presented a lot of techniques to shop for Dodge Charger insurance online. The key concept to understand is the more times you quote, the better likelihood of getting . Drivers may discover the best rates are with a lesser-known regional company.
There are still a few companies who may not offer rates over the internet and these smaller providers provide coverage only through independent insurance agencies. Lower-priced Dodge Charger insurance can be purchased on the web and also from your neighborhood Dallas agents, so you should compare both to get a complete price analysis.
As you prepare to switch companies, make sure you don’t buy lower coverage limits just to save a few bucks. There are too many instances where someone sacrificed liability limits or collision coverage only to find out that they should have had better coverage. The proper strategy is to purchase plenty of coverage at the best cost, not the least amount of coverage.