Cheap 2008 Dodge Magnum Insurance Cost

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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: Dec 14, 2021

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Drivers have options when trying to find low-cost Dodge Magnum insurance. You can either waste hours contacting agents to compare prices or leverage the internet to find the lowest rates.

There are more efficient ways to compare insurance coverage rates and you need to know the quickest way to price shop coverage for your Dodge and get the cheapest rates from both online companies and local agents.

It’s a great practice to price shop coverage at least once a year due to the fact that insurance rates are constantly changing. Even if you got the best rates for Magnum coverage six months ago the chances are good that you can find a lower rate today. Starting right now, ignore everything you know about insurance coverage because you’re going to get a crash course in one of the easiest ways to find better rates and still maintain coverage.

Comprehensive Insurance Coverage Comparison

Getting a lower price on 2008 Dodge Magnum insurance can be quick and easy. Consumers just need to take a few minutes getting comparison quotes provided by online insurance companies. It is quite easy and can be accomplished in several different ways.

The recommended way consumers can analyze rates would be an industry-wide quote request form click here to open form in new window. This method prevents you from having to do multiple quote forms for each company you want a rate for. Completing one form will return quotes from all major companies. It’s the fastest way to compare.

A less efficient way to find lower rates is going to each company website to complete their respective quote request forms.

The hardest method to compare rates is to drive around to local insurance agencies. Shopping for insurance coverage online can eliminate the need for a local agent unless you prefer the professional guidance that only a license agent can provide. Drivers can find lower rates online and get advice from an agent in your area. We’ll cover that shortly.

Whichever way you use, make darn sure you compare exactly the same coverages with each company. If each company quotes differing limits you can’t possibly determine the best price for your Dodge Magnum.

Discounts are great for lower rates

The price of auto insurance can be rather high, but discounts can save money and there are some available to help offset the cost. A few discounts will automatically apply at the time you complete a quote, but a few need to be specially asked for before you will receive the discount. If you aren’t receiving every discount you qualify for, you are throwing money away.

  • Fewer Miles Equal More Savings – Keeping the miles down on your Dodge could be rewarded with lower rates on the low mileage vehicles.
  • Drivers Ed for Students – Cut your cost by having your teen driver take driver’s ed class in school.
  • Military Discounts – Being deployed with a military unit may qualify for rate reductions.
  • Club Memberships – Affiliation with a professional or civic organization may earn a discount on your policy for Magnum coverage.
  • Paperless Signup – A handful of insurance companies will discount your bill up to fifty bucks for buying your policy over the internet.
  • Accident Free – Claim-free drivers pay much less when compared to bad drivers.
  • Auto/Home Discount – If you have multiple policies with the same company you could get a discount of up to 20% off your total premium.
  • Seat Belts Save more than Lives – Buckling up and requiring all passengers to use their safety belts could cut 10% or more off your medical payments premium.
  • Government Employees – Being employed by or retired from a federal job can earn a discount up to 10% for Magnum coverage with certain companies.

Drivers should understand that some credits don’t apply to your bottom line cost. The majority will only reduce the cost of specific coverages such as collision or personal injury protection. So even though it sounds like you could get a free auto insurance policy, companies wouldn’t make money that way. But any discount will reduce the amount you have to pay.

Companies that possibly offer some of the above discounts include:

  • 21st Century
  • Progressive
  • State Farm
  • Nationwide
  • Esurance
  • The Hartford

It’s a good idea to ask all companies you are considering how you can save money. Savings may not be available in every state.

You may need specialized coverage

When it comes to choosing the best insurance coverage for your personal vehicles, there isn’t really a “best” method to buy coverage. Everyone’s needs are different.

For example, these questions may help you determine whether your personal situation could use an agent’s help.

  • Is business property covered if stolen from my car?
  • Do I have coverage when using my vehicle for my home business?
  • Do I really need UM/UIM coverage?
  • What vehicles should carry emergency assistance coverage?
  • Are there companies who specialize in insuring high-risk drivers?
  • Is my custom paint covered by insurance?

If it’s difficult to answer those questions but you think they might apply to your situation, you may need to chat with a licensed insurance agent. If you don’t have a local agent, take a second and complete this form. It’s fast, doesn’t cost anything and may give you better protection.

The coverage is in the details

Understanding the coverages of your policy can help you determine the right coverages for your vehicles. Insurance terms can be ambiguous and coverage can change by endorsement.

Auto liability insurance

This coverage will cover damage that occurs to other’s property or people in an accident. This coverage protects you from legal claims by others. Liability 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. You might see values of 50/100/50 which means a limit of $50,000 per injured person, a total of $100,000 of bodily injury coverage per accident, and $50,000 of coverage for damaged property. Occasionally you may see one number which is a combined single limit which provides one coverage limit without having the split limit caps.

Liability insurance covers things like emergency aid, court costs and structural damage. How much liability should you purchase? That is your choice, but buy as large an amount as possible.

Coverage for collisions

Collision insurance will pay to fix damage to your Magnum resulting from a collision with another vehicle or an object, but not an animal. You first must pay a deductible and then insurance will cover the remainder.

Collision insurance covers things like crashing into a ditch, sideswiping another vehicle and colliding with a tree. Collision is rather expensive coverage, so consider dropping it from lower value vehicles. You can also choose a higher deductible to bring the cost down.

Comprehensive protection

Comprehensive insurance pays for damage from a wide range of events other than collision. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against claims such as falling objects, damage from flooding, hitting a deer, a tree branch falling on your vehicle and vandalism. The most your insurance company will pay is the cash value of the vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.

Uninsured or underinsured coverage

This gives you protection from other motorists when they either have no liability insurance or not enough. Covered losses include hospital bills for your injuries and also any damage incurred to your 2008 Dodge Magnum.

Since many drivers only purchase the least amount of liability that is required, their limits can quickly be used up. This is the reason having UM/UIM coverage is important protection for you and your family. Frequently these coverages do not exceed the liability coverage limits.

Medical expense coverage

Coverage for medical payments and/or PIP provide coverage for expenses for things like nursing services, ambulance fees, rehabilitation expenses, funeral costs and prosthetic devices. They can be utilized in addition to your health insurance plan or if there is no health insurance coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants and also covers getting struck while a pedestrian. PIP is not an option in every state and may carry a deductible

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