Feel like you’re a prisoner to an overpriced car insurance policy? Believe me when I say you’re not the only one. Numerous insurers battle for your hard-earned dollar, and because of this it can be hard to compare insurance companies and get the best coverage at the best price available.
Consumers need to do rate comparisons quite often because insurance rates trend upward over time. Just because you had the lowest price on Charger coverage six months ago you can probably find a lower rate today. So just ignore everything you know about car insurance because we’re going to show you the tricks you need to know to lower your annual insurance bill.
Compare Car Insurance Today
Reducing your Dodge Charger insurance rates is not a difficult process. You just need to take the time to compare quotes online from several insurance companies. This can be accomplished in just a few minutes using one of these methods.
- The first (and easiest) way consumers can make multiple comparisons would be an industry-wide quote request form like this one (opens in new window). This form saves time by eliminating separate quotes to each individual car insurance company. Taking the time to complete one form gets you coverage quotes .
- A less efficient way to compare prices requires a trip to each company website and complete a new quote form. For example, we’ll pretend you want comparison quotes from Progressive, Farmers and Allstate. To find out each rate you need to spend time on each company’s site and enter your information, which is why the first method is quicker. To view a list of companies in your area, click here.
Which method you use is up to you, but double check that you are using the exact same coverages for every quote you compare. If each company quotes mixed coverages it will be next to impossible to determine the lowest rate for your Dodge Charger.
Can you really save $386 a year?
Texas drivers can’t ignore all the ads for car insurance savings by companies like Allstate, GEICO and Progressive. They all seem to say the same thing of big savings if you switch to them.
How do they all say the same thing?
All companies have a certain “appetite” for the driver that earns them a profit. For instance, a desirable insured could be a mature driver, owns a home, and has excellent credit. A customer getting a price quote who matches those parameters will get the preferred rates and is almost guaranteed to save when they switch companies.
Potential customers who do not match this ideal profile must pay a higher premium and this can result in business not being written. Company advertisements say “drivers who switch” not “everybody who quotes” save that much money. This is how companies can truthfully make the claims of big savings.
This illustrates why drivers must get a wide range of price quotes. It’s just too difficult to predict which car insurance company will provide you with the cheapest rates.
Don’t miss out on these money-saving discounts
Insurance can be prohibitively expensive, but companies offer discounts that you may not even be aware of. Certain discounts will be triggered automatically when you purchase, but some must be inquired about before you will receive the discount. If you aren’t receiving every discount available, you are paying more than you should be.
- Drive Less and Save – Fewer annual miles on your Dodge could be rewarded with discounted rates on garaged vehicles.
- Distant Student – Children who attend school more than 100 miles from home and do not have a car may be able to be covered for less.
- Early Switch Discount – Select companies give a discount for switching policies prior to your current policy expiration. It’s a savings of about 10%.
- Military Rewards – Being deployed with a military unit could mean lower rates.
- Senior Discount – Mature drivers may receive better car insurance rates on Charger coverage.
- Driver Safety – Successfully completing a driver safety course could cut 5% off your bill if your company offers it.
It’s important to note that most of the big mark downs will not be given the the whole policy. A few only apply to specific coverage prices like comprehensive or collision. So despite the fact that it appears adding up those discounts means a free policy, companies don’t profit that way. But any discount will cut your premiums.
To choose companies with the best car insurance discounts in Texas, click here.
Do I need special coverages?
When it comes to buying proper insurance coverage, there really is not a perfect coverage plan. Every insured’s situation is different so your insurance needs to address that. Here are some questions about coverages that may help you determine if you would benefit from an agent’s advice.
- Is my dog or cat covered if injured in an accident?
- Do all my vehicles need collision coverage?
- Are my friends covered when driving my Dodge Charger?
- Why am I required to get a high-risk car insurance policy?
- Why am I be forced to buy a membership to get insurance from some companies?
- What is the minimum liability in Texas?
- Should I have combined single limit or split liability limits?
- Do I benefit by insuring my home with the same company?
- Is a new car covered when I drive it off the dealer lot?
- Can I afford to buy a different vehicle if my Dodge Charger is totaled?
If you’re not sure about those questions then you might want to talk to an insurance agent. To find an agent in your area, take a second and complete this form or go to this page to view a list of companies. It’s fast, free and you can get the answers you need.
Additional car insurance information is available on the website for the Texas Department of Insurance through this link. Texas consumers can view agent and company licensing information, file complaints about a company, and discover disciplinary actions.
Other informative sites include this site for Texas car insurance information and Insure.com’s car insurance basics.
In the end, you save
When trying to cut insurance costs, you should never skimp on critical coverages to save a buck or two. There are too many instances where an insured dropped liability limits or collision coverage only to find out that their decision to reduce coverage ended up costing them more. The aim is to find the BEST coverage at the best price while not skimping on critical coverages.
Throughout this article, we presented a lot of ways to reduce Dodge Charger insurance prices online. The most important thing to understand is the more companies you get rates for, the better likelihood of reducing your rate. Consumers may even find the lowest rates come from some of the smallest insurance companies. Smaller companies may only write in your state and offer lower rates than the large multi-state companies such as Allstate or State Farm.