2006 Dodge Charger Car Insurance Rates

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Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

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Written by Jeffrey Johnson
Insurance Lawyer Jeffrey Johnson

UPDATED: May 11, 2022

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Searching for lower 2006 Dodge Charger Car Insurance Rates? Locating low-cost insurance for a new or used Dodge Charger can normally be a lot of work, but you can learn these tips and make it easy. There are both good and bad ways to buy car insurance, so you’re going to learn the proper way to compare rates for a Dodge and locate the cheapest rates either online or from local insurance agents.

Vehicle Insurance Comparison

Performing a rate comparison can take time and effort if you don’t utilize the fastest way to get free quotes. You could spend the better part of a day talking to insurance companies in your area, or you can stay at home and use the internet to get rates in a matter of minutes.

Most of the best insurance companies are enrolled in a marketplace where insurance shoppers submit their information once, and each company then gives them pricing determined by their information. This saves time by eliminating quotation requests for each individual auto insurance company.

The only drawback to comparing rates this way is you can’t choose the providers you want to price. If you wish to select from a list of companies to compare rates, we put together a list of companies who write auto insurance in your area. View list of insurance companies.

It doesn’t matter which method you choose, just ensure you’re using identical coverage information with every price quote. If you compare different limits and deductibles on each one then you won’t be able to determine which rate is truly the best.

Cut your premium with discounts

Companies that sell car insurance don’t always publicize all their discounts very clearly, so the following is a list of some of the more common as well as the least known savings tricks you should be using. If you’re not getting every credit available, you’re paying more than you need to.

  • Federal Employees – Employees or retirees of the government may qualify for a discount on Charger coverage depending on your company.
  • Bundle and Save – If you insure your home and vehicles with the same insurance company, you will save at least 10% off all policies.
  • Use Seat Belts – Drivers who require all occupants to use a seat belt could cut 10% or more off their PIP or medical payments.
  • Accident Forgiveness – A handful of insurance companies permit an accident before hitting you with a surcharge if you are claim-free for a particular time prior to the accident.
  • Anti-lock Brake Discount – Vehicles with anti-lock braking systems can reduce accidents and earn discounts up to 10%.
  • Save over 55 – Mature drivers can possibly qualify for a small decrease in premiums on Charger coverage.
  • Resident students – Kids in college who are attending college and do not have access to a covered vehicle may qualify for this discount.

It’s important to understand that most credits do not apply to all coverage premiums. Some only apply to individual premiums such as comprehensive or collision. Just because it seems like adding up those discounts means a free policy, companies wouldn’t make money that way.

Car insurance companies who might offer these discounts are:

  • Mercury Insurance
  • Farmers Insurance
  • Farm Bureau
  • State Farm
  • Allstate
  • GEICO

Double check with every prospective company what discounts are available to you. Savings might not apply in your area.

What is the best 2006 Dodge Charger car insurance coverage?

When buying proper insurance coverage, there really is not a “perfect” insurance plan. Every situation is different.

Here are some questions about coverages that may help you determine whether you might need an agent’s assistance.

  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • Does my policy pay for OEM or aftermarket parts?
  • Am I covered when driving someone else’s vehicle?
  • Should I bundle my homeowner’s policy with my auto?
  • Am I covered if I break a side mirror?
  • Is business equipment covered while in my vehicle?
  • What is medical payment’s coverage?

If you can’t answer these questions then you might want to talk to a licensed agent. 

2006 Dodge Charger car insurance coverage information

Learning about the specific coverage of insurance can help you determine the appropriate coverage and the correct deductibles and limits. The coverage terms in a policy can be impossible to understand and coverage can be changed by endorsement.

Comprehensive coverage

Comprehensive insurance covers damage that is not covered by collision coverage. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for things like vandalism, fire damage, rock chips in glass and hitting a deer. The highest amount an insurance company will pay at claim time is the actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Auto collision coverage

This coverage pays for damage to your Charger from colliding with another car or object. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for things such as crashing into a ditch, scraping a guard rail, colliding with another moving vehicle and backing into a parked car. This coverage can be expensive, so consider removing coverage from lower value vehicles. Another option is to bump up the deductible to save money on collision insurance.

Medical payments coverage and PIP

Coverage for medical payments and/or PIP kick in for bills such as pain medications, chiropractic care and doctor visits. They can be used in conjunction with a health insurance plan or if you lack health insurance entirely. It covers not only the driver but also the vehicle occupants and will also cover getting struck by a pedestrian. PIP coverage is only offered in select states and may carry a deductible

Liability coverage

Liability insurance can cover damages or injuries you inflict on people or other property that is your fault. This coverage protects you against claims from other people, and doesn’t cover your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see limits of 100/300/100 that means you have $100,000 in coverage for each person’s injuries, a per accident bodily injury limit of $300,000, and property damage coverage for $100,000.

Liability can pay for things such as court costs, bail bonds and structural damage. How much liability should you purchase? That is a personal decision, but consider buying as high a limit as you can afford.

Uninsured/Underinsured Motorist coverage

Your UM/UIM coverage protects you and your vehicle’s occupants when other motorists either are underinsured or have no liability coverage at all. Covered losses include hospital bills for your injuries as well as your vehicle’s damage.

Since many drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is a good idea.

2006 Dodge Charger Car Insurance: The Bottom Line

How much does a 2006 Dodge Charger cost for insurance?  The Dodge Chargers are some of the most iconic cars ever built. They’ve been around since the 1960s and have always been reliable, durable and powerful. The 2006 model year was the last time Dodge offered the Charger in its original form.

It is important to know what kind of coverage you need. You should also be aware of how much you will pay for this coverage. This information can help you make an informed decision when choosing which policy to buy.

 

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