Lower Your 2008 Dodge Charger Insurance Cost
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UPDATED: Nov 16, 2021
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Want better insurance coverage rates for your Dodge Charger? Finding the most affordable insurance coverage on the internet can be intimidating for consumers new to shopping for insurance online. When there are so many companies competing online, how can drivers effectively compare the different rates to find the cheapest available price?
It’s smart to price shop coverage every six months because prices are usually higher with each renewal. If you had the lowest price on Charger coverage two years ago you can probably find a lower rate today. Ignore everything you know about insurance coverage because you’re about to find out how to use the internet to save money, get proper deductibles and limits, all at the lowest rate.
If you currently have a car insurance policy, you should be able to lower your premiums substantially using this information. Finding cheaper coverage is easy if you know what you’re doing. But drivers can benefit from knowing the way companies compete online.
Cut your insurance coverage rates with discounts
The price of auto insurance can be rather high, but you may find discounts that many people don’t even know exist. Most are applied at quote time, but less common discounts must be manually applied prior to receiving the credit.
- Homeowners Discount – Owning a house can save you money because maintaining a house is proof that your finances are in order.
- Clubs and Organizations – Belonging to a civic or occupational organization could qualify you for a break on your policy on Charger coverage.
- Early Signing – Some companies give discounts for signing up prior to your current policy expiring. This can save 10% or more.
- Drivers Education – Require your teen driver to enroll in driver’s education in high school.
- Use Seat Belts – Buckling up and requiring all passengers to use a seat belt can save up to 15% on the medical payments or PIP coverage costs.
- Anti-theft Discount – Cars that have factory anti-theft systems help deter theft and will save you 10% or more.
- Military Discounts – Being on active duty in the military can result in better rates.
- Driver Safety – Taking a course in driver safety could possibly earn you a 5% discount depending on where you live.
- Multiple Policy Discount – When you have multiple policies with one insurance company you may save up to 20% off your total premium.
- Passive Restraints and Air Bags – Factory air bags or automatic seat belts can receive discounts of more than 20%.
Keep in mind that most of the big mark downs will not be given the whole policy. Some only reduce the cost of specific coverages such as liability and collision coverage. Just because you may think all the discounts add up to a free policy, it just doesn’t work that way. But all discounts will reduce your overall premium however.
Car insurance companies who might offer these money-saving discounts are:
- State Farm
- Mercury Insurance
- 21st Century
Check with every prospective company which discounts they offer. Discounts may not be available everywhere.
You are unique and your car insurance should be too
When choosing proper insurance coverage for your vehicles, there isn’t really a single plan that fits everyone. Everyone’s situation is a little different.
These are some specific questions could help you determine whether your personal situation could use an agent’s help.
- When should I remove comp and collision on my 2008 Dodge Charger?
- How does medical payments coverage work?
- Can my teen driver be rated on a liability-only vehicle?
- Is a fancy paint job covered?
- Do all my vehicles need collision coverage?
- Can I pay claims out-of-pocket if I buy high deductibles?
- Do I have coverage when making deliveries for my home business?
- Is my teenager covered with friends in the car?
- Do I pay less for low miles?
- What if I don’t agree with a claim settlement offer?
If you’re not sure about those questions but you know they apply to you, you may need to chat with a licensed insurance agent. To find an agent in your area, complete this form.
Save $472 a year. For real?
Insurance providers like Progressive, GEICO, Allstate and State Farm constantly bombard you with ads on television and other media. They all make an identical promise that you can save if you switch your policy. How do they all claim to save you money? This is how they do it.
All companies can use profiling for the type of customer they prefer to insure. An example of a desirable insured might be profiled as a mature driver, owns a home, and drives newer vehicles. A customer who matches those parameters gets the lowest rates and as a result will probably save a lot of money.
Potential insureds who do not match the requirements will have to pay higher premiums which leads to the driver buying from a lower-cost company. The ads say “people who switch” not “everyone that quotes” save money. That’s why companies can truthfully claim big savings.
Because of the profiling, drivers should quote coverage with many companies. It’s impossible to know which company will fit your personal profile best.
Car insurance 101
Having a good grasp of car insurance helps when choosing the best coverages and the correct deductibles and limits. The coverage terms in a policy can be confusing and reading a policy is terribly boring.
This covers damage to your Charger caused by collision with an object or car. You have to pay a deductible and the rest of the damage will be paid by collision coverage.
Collision coverage protects against claims such as hitting a mailbox, driving through your garage door, sustaining damage from a pot hole and scraping a guard rail. Collision coverage makes up a good portion of your premium, so consider removing coverage from older vehicles. Drivers also have the option to raise the deductible to save money on collision insurance.
This coverage covers damage that is not covered by collision coverage. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.
Comprehensive coverage pays for things such as damage from getting keyed, a broken windshield, vandalism and hitting a bird. The most you can receive from a comprehensive claim is the actual cash value, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.
Auto liability insurance
Liability insurance can cover damage that occurs to other’s property or people that is your fault. It protects YOU against other people’s claims. It does not cover damage to your own property or vehicle.
Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show limits of 50/100/50 that means you have $50,000 bodily injury coverage, a per accident bodily injury limit of $100,000, and property damage coverage for $50,000. Some companies may use a combined limit which provides one coverage limit and claims can be made without the split limit restrictions.
Liability can pay for things like legal defense fees, attorney fees, medical expenses, funeral expenses and structural damage. How much liability coverage do you need? That is a decision to put some thought into, but you should buy as much as you can afford.
Med pay and Personal Injury Protection (PIP)
Coverage for medical payments and/or PIP pay for short-term medical expenses like nursing services, chiropractic care and pain medications. They can be used to cover expenses not covered by your health insurance program or if there is no health insurance coverage. They cover all vehicle occupants as well as getting struck while a pedestrian. Personal Injury Protection is not available in all states and may carry a deductible
Uninsured/Underinsured Motorist (UM/UIM)
This gives you protection when the “other guys” either have no liability insurance or not enough. Covered claims include injuries to you and your family and also any damage incurred to your Dodge Charger.
Due to the fact that many drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Frequently these coverages do not exceed the liability coverage limits.
Keep this in mind
We just showed you a lot of information how to shop for 2008 Dodge Charger insurance online. The most important thing to understand is the more price quotes you have, the better your comparison will be. Drivers may discover the lowest priced insurance comes from some of the lesser-known companies.
Cheap insurance can be sourced on the web and with local insurance agents, so you should compare both to have the best rate selection. There are still a few companies who do not offer the ability to get a quote online and usually these small insurance companies provide coverage only through local independent agents.
When you buy insurance online, it’s very important that you do not buy lower coverage limits just to save a few bucks. In too many instances, consumers will sacrifice uninsured motorist or liability limits and learned later that the small savings ended up costing them much more. The proper strategy is to get the best coverage possible at a price you can afford while not skimping on critical coverages.
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