Cheaper 2007 Dodge Charger Insurance Quotes

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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 12, 2022

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Searching for better car insurance rates for your Dodge Charger? Buying cheap car insurance over the internet may be difficult for consumers not familiar with price shopping online. With so many choices of insurers to choose from, how can you effectively compare them all to find the cheapest available price?

Buying cheaper protection is simple if you know the tricks. Just about every driver who is shopping for insurance will most likely be able to find lower rates. But vehicle owners should learn the way insurance companies price insurance differently because it can help you find the best coverage.

Cheap Car Insurance Comparisons

Performing a rate comparison can be challenging if you aren’t aware of the best way to get rate quotes. You could spend your day discussing policy coverages with insurance companies in your area, or you can utilize the web to get prices fast.

Most car insurance companies participate in a marketplace where insurance shoppers only type in their quote data once, and at least one company returns a competitive quote based on that information. This eliminates the need for form submissions to each individual car insurance company.

To compare 2007 Dodge Charger rates using this form now click here to start a free quote.

The only drawback to getting quotes like this is you are unable to specify the insurers you want pricing from. So if you want to select specific insurance companies to compare rates, we have a page of companies who write car insurance in your area. Click here for list of insurance companies.

Whichever way you use, ensure you are comparing identical information on every quote. If your comparisons have different liability limits it will be impossible to decipher which rate is best. Having just a slight variation in coverage limits may cause a big price difference. And when quoting car insurance, remember that comparing more company’s prices gives you a better chance of getting better pricing.

Advertising myths

State Farm, GEICO and Progressive continually stream ads on TV and radio. All the companies have a common claim that you can save after switching to their company. How does each company say the same thing?

Insurance companies have a certain “appetite” for the type of customer they prefer to insure. For example, a desirable insured could possibly be between the ages of 30 and 50, insures multiple vehicles, and has excellent credit. A driver who fits that profile will qualify for the lowest rates and as a result will probably save when switching.

Potential customers who don’t measure up to the “perfect” profile will be quoted higher premiums and this can result in business going elsewhere. The ads say “customers who switch” not “everyone that quotes” save that kind of money. This is how companies can advertise the savings.

This emphasizes why it is so important to compare as many rates as you can. It’s not possible to predict the company that will have the lowest Dodge Charger insurance rates.

Pay less by taking advantage of discounts

Insuring your vehicles can cost a lot, but there could be available discounts that you may not even be aware of. A few discounts will automatically apply when you quote, but some may not be applied and must be specifically requested in order for you to get them.

  • Discount for Swiching Early – A few companies offer discounts for signing up before your current policy expires. The savings is around 10%.
  • Fewer Miles Equal More Savings – Keeping the miles down on your Dodge can qualify you for a substantially lower rate.
  • Auto/Home Discount – If you have multiple policies with the same insurance company you will save approximately 10% to 15%.
  • Accident Waiver – A few companies will allow you to have one accident before raising your premiums if your claims history is clear for a particular time prior to the accident.
  • Government Employees – Simply working for the federal government may qualify you for a discount on Charger coverage with certain companies.
  • Student Driver Training – Cut your cost by having your teen driver enroll in driver’s education in high school.

Drivers should understand that most discount credits are not given to the entire cost. Most cut specific coverage prices like collision or personal injury protection. So when the math indicates adding up those discounts means a free policy, you won’t be that lucky. Any qualifying discounts will reduce the cost of coverage.

For a list of companies with the best car insurance discounts, click this link.

Your coverage should be tailored to you

When buying coverage, there really is no cookie cutter policy. Every insured’s situation is different.

Here are some questions about coverages that can help discover whether your personal situation might need professional guidance.

  • Can I still get insurance after a DUI?
  • Do I get a pro-rated refund if I cancel my policy early?
  • Do I need to file an SR-22 for a DUI in my state?
  • Does insurance cover tools stolen from my truck?
  • Should I buy only the required minimum liability coverage?
  • Is a fancy paint job covered?
  • Are all vehicle passengers covered by medical payments coverage?
  • Am I covered if I break a side mirror?
  • Should I bundle my homeowners policy with my auto?

If you don’t know the answers to these questions then you might want to talk to a licensed insurance agent. To find lower rates from a local agent, simply complete this short form.

What auto insurance coverages do you need?

Learning about specific coverages of a auto insurance policy can help you determine the right coverages and proper limits and deductibles. Policy terminology can be confusing and reading a policy is terribly boring.

Comprehensive (Other than Collision)

This pays for damage caused by mother nature, theft, vandalism and other events. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive coverage protects against things like damage from flooding, a tree branch falling on your vehicle, damage from a tornado or hurricane, fire damage and rock chips in glass. The highest amount you can receive from a comprehensive claim is the actual cash value, so if it’s not worth much more than your deductible consider dropping full coverage.

Coverage for liability

Liability coverage can cover injuries or damage you cause to a person or their property in an accident. This coverage protects you from legal claims by others, and doesn’t cover your injuries or vehicle damage.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show policy limits of 25/50/25 which stand for $25,000 in coverage for each person’s injuries, a per accident bodily injury limit of $50,000, and a limit of $25,000 paid for damaged property. Occasionally you may see a combined limit which combines the three limits into one amount without having the split limit caps.

Liability can pay for claims such as bail bonds, loss of income, repair costs for stationary objects and legal defense fees. How much liability should you purchase? That is your choice, but you should buy as high a limit as you can afford.

Coverage for collisions

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

Collision coverage pays for things like rolling your car, scraping a guard rail and driving through your garage door. Collision is rather expensive coverage, so you might think about dropping it from lower value vehicles. Another option is to bump up the deductible to get cheaper collision coverage.

Medical expense insurance

Med pay and PIP coverage kick in for bills for doctor visits, ambulance fees and pain medications. They are often used in conjunction with a health insurance plan or if you do not have health coverage. Coverage applies to all vehicle occupants and will also cover if you are hit as a while walking down the street. PIP coverage is only offered in select states and gives slightly broader coverage than med pay

Protection from uninsured/underinsured drivers

This coverage protects you and your vehicle’s occupants when the “other guys” do not carry enough liability coverage. Covered losses include hospital bills for your injuries as well as damage to your Dodge Charger.

Due to the fact that many drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is a good idea. Normally the UM/UIM limits are set the same as your liablity limits.

Be Smart and Buy Smart

Cheap 2007 Dodge Charger insurance can be bought both online and also from your neighborhood agents, so you should be comparing quotes from both in order to have the best price selection to choose from. There are still a few companies who may not provide the ability to get a quote online and most of the time these smaller companies sell through independent agents.

We just covered quite a bit of information on how to shop for insurance online. The key concept to understand is the more rate quotes you have, the better likelihood of reducing your rate. You may even discover the biggest savings come from a lesser-known regional company.

When buying insurance coverage, it’s a bad idea to reduce coverage to reduce premium. In many instances, someone sacrificed full coverage to discover at claim time that saving that couple of dollars actually costed them tens of thousands. The proper strategy is to purchase plenty of coverage at a price you can afford while not skimping on critical coverages.

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