2009 Dodge Charger Insurance Cost – 9 Policy Discounts

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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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Trying to find the cheapest car insurance rates for your Dodge Charger? Finding affordable car insurance is difficult for consumers not familiar with comparing rates online. Drivers have so many companies to choose from that it can turn into a challenge to find the best price.

If you currently have car insurance, you should be able to lower your premiums substantially using these methods. The purpose of this article is to instruct you on how car insurance quotes work and some tricks to saving. Nevertheless, drivers must know the way insurance companies sell online because it can help you find the best coverage.

Free Quotes for Insurance Coverage

When shopping for insurance coverage there are multiple ways to compare rate quotes from insurance coverage companies in your area. One of the best ways to find the lowest 2009 Dodge Charger rates involves getting comparison quotes online. It is quite easy and can be accomplished in several different ways.

  1. The recommended way consumers can analyze rates is a comparison rater form (click to open form in new window). This method eliminates the need for separate quotes for each company. In just a few minutes this one form will return price quotes from insurance coverage companies with the best prices. Just one form and you’re done.
  2. A slightly less efficient method to get quotes online is to manually visit the website of each company and request a quote. For sake of this example, we’ll pretend you want comparison quotes from Allstate, Progressive and GMAC. To find out each rate you need to spend time on each company’s site and enter your information, and that’s why the first method is more popular.

    For a list of links to insurance companies in your area, click here.

It’s your choice how you get your quotes, but ensure you’re using the exact same coverage limits and deductibles for each comparison quote. If you have different liability limits then you won’t be able to determine the lowest rate for your Dodge Charger. Having just a slight variation in coverage limits may cause a big price difference. Just keep in mind that comparing more company’s prices will enable you to find the best rates.

Discounts are available to cut your rates

Car insurance companies don’t list every discount in an easy-to-find place, so the following is a list of both well-publicized and the harder-to-find ways to save on insurance coverage.

  • Multi-policy Discount – When you have multiple policies with the same company you may save 10% to 20% off each policy.
  • Distant Student – Children who are attending college and do not have access to a covered vehicle can receive lower rates.
  • Air Bag Discount – Cars that have air bags and/or automatic seat belt systems can qualify for discounts up to 30%.
  • Sign Online – A few companies will discount your bill up to fifty bucks just for signing your application on their website.
  • Safety Course Discount – Taking a defensive driving course could save 5% or more if your company offers it.
  • Low Mileage – Driving fewer miles could qualify for lower rates on the low mileage vehicles.
  • Organization Discounts – Affiliation with a professional or civic organization could qualify you for a break when shopping for insurance coverage for Charger insurance.
  • Anti-theft Discount – Vehicles equipped with anti-theft or alarm systems are stolen less frequently and earn discounts up to 10%.
  • Payment Discounts – If you pay your bill all at once instead of monthly or quarterly installments you could save 5% or more.

Drivers should understand that some of the credits will not apply the whole policy. Some only apply to the cost of specific coverages such as collision or personal injury protection. So even though it sounds like having all the discounts means you get insurance for free, you won’t be that lucky.

For a list of insurers offering insurance coverage discounts, click this link.

Everyone needs different coverages

When buying proper insurance coverage, there isn’t really a best way to insure your cars. Every insured’s situation is different.

Here are some questions about coverages that can help discover whether your personal situation might need an agent’s assistance.

  • Is my business laptop covered if it gets stolen from my vehicle?
  • Can my teen drive my company car?
  • How much liability insurance is required?
  • Can I pay claims out-of-pocket if I buy high deductibles?
  • Do I need motorclub coverage?
  • What is high-risk coverage and where do I buy it?
  • Do I need replacement cost coverage on my 2009 Dodge Charger?
  • Why am I required to buy liability insurance?
  • I have health insurance so do I need medical payments coverage?

If you don’t know the answers to these questions but one or more may apply to you, then you may want to think about talking to an agent. To find lower rates from a local agent, simply complete this short form.

Specific coverages for a 2009 Dodge Charger

Knowing the specifics of car insurance can help you determine the right coverages and proper limits and deductibles. The terms used in a policy can be ambiguous and even agents have difficulty translating policy wording.

Medical expense coverage – Personal Injury Protection (PIP) and medical payments coverage kick in for bills such as rehabilitation expenses, funeral costs and X-ray expenses. They are utilized in addition to your health insurance program or if there is no health insurance coverage. It covers not only the driver but also the vehicle occupants and will also cover being hit by a car walking across the street. PIP coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage

Comprehensive protection – This covers 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 can pay for things such as a broken windshield, damage from flooding, a tree branch falling on your vehicle, damage from a tornado or hurricane and rock chips in glass. The highest amount you’ll receive from a claim is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Uninsured or underinsured coverage – Your UM/UIM coverage protects you and your vehicle’s occupants from other drivers when they either have no liability insurance or not enough. Covered claims include injuries sustained by your vehicle’s occupants and also any damage incurred to your Dodge Charger.

Since a lot of drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages should not be overlooked.

Liability auto insurance – This provides protection from damages or injuries you inflict on other’s property or people by causing an accident. It protects you from legal claims by others, and doesn’t cover damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see liability limits of 50/100/50 which stand for $50,000 in coverage for each person’s injuries, a limit of $100,000 in injury protection per accident, and a total limit of $50,000 for damage to vehicles and property.

Liability coverage protects against things such as loss of income, emergency aid, funeral expenses and legal defense fees. The amount of liability coverage you purchase is up to you, but consider buying as high a limit as you can afford.

Collision – Collision coverage covers damage to your Charger resulting from a collision with an object or car. A deductible applies then your collision coverage will kick in.

Collision coverage pays for things like rolling your car, sideswiping another vehicle, crashing into a building, colliding with another moving vehicle and sustaining damage from a pot hole. Collision is rather expensive coverage, so consider removing coverage from vehicles that are older. Another option is to increase the deductible to save money on collision insurance.

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