2019 Dodge Charger Insurance Cost in 2024

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: Jun 8, 2024

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Do you get frustrated by the number of insurance providers that you can choose from? Lot’s of other drivers are too. There are so many options that it can be a big hassle to find better insurance rates.

Use discounts on auto insurance

Companies offering auto insurance don’t list the complete list of policy discounts in a way that’s easy to find, so we researched both well-publicized in addition to some of the lesser obvious credits that may apply to you.

  • Sign Early and Save – Some companies reward drivers for switching policies prior to your current policy expiration. It can save you around 10%.
  • College Student Discount – Any of your kids who are attending college and do not take a car to college could get you a discount.
  • New Car Discount – Adding a new car to your policy may earn a small discount compared to insuring an older model.
  • Homeowners Discount – Simply owning a home can save a few bucks because owning a home shows financial diligence.
  • Club Memberships – Joining a civic or occupational organization is a simple method to lower premiums when getting a car insurance quote.
  • Military Discounts – Being on active duty in the military may lower your premium rates slightly.
  • Defensive Driver Discount – Completing a safe driver course could possibly earn you a 5% discount and easily recoup the cost of the course.

Discounts reduce rates, but you should keep in mind that most discounts do not apply to all coverage premiums. Most cut specific coverage prices like collision or personal injury protection. So when the math indicates it’s possible to get free car insurance, nobody gets a free ride. But any discount will help reduce your policy cost.

A list of companies and the discounts they provide can be found below.

  • State Farm has discounts for Steer Clear safe driver discount, multiple policy, student away at school, good driver, multiple autos, good student, and anti-theft.
  • Progressive may have discounts that include homeowner, good student, online quote discount, online signing, and continuous coverage.
  • Travelers may offer discounts for good student, continuous insurance, hybrid/electric vehicle, early quote, and home ownership.
  • American Family offers discounts for TimeAway discount, good driver, bundled insurance, air bags, accident-free, Steer into Savings, and multi-vehicle.
  • Liberty Mutual includes discounts for newly married, hybrid vehicle, exclusive group savings, teen driver discount, and multi-policy.

Before buying, ask every insurance company to apply every possible discount. Discounts might not be available to policyholders in your area. If you would like to see a list of insurance companies that offer multiple discounts, enter your zip code here.

Where can I get the cheapest insurance coverage?

All major insurance coverage companies like State Farm, GEICO and Progressive make it easy to get insurance quotes on the web. Comparing rates online doesn’t take a lot of time because it’s just a matter of typing in the amount of coverage you want on the page. Behind the scenes, the company’s rating system automatically retrieves your credit score and driving record and generates pricing information based on the information you submitted.

Online price quotes helps simplify price comparisons, but the time required to go to many different websites and fill out multiple forms can get tiresome after awhile. Unfortunately, it is important to have as many quotes as possible if you want to find the best price on insurance coverage.

Compare rates the easy way

A more efficient way to compare rates uses one simple form to get prices from a lot of companies. The form is fast, requires much less work on your part, and makes quoting online much simpler. After sending the form, it gets priced and you can choose any one of the quotes returned.

If the quotes result in lower rates, you can simply submit the application and buy the new coverage. It just takes a couple of minutes and could lower your rates considerably.

To compare pricing, simply enter your zip code here and begin entering your coverage information. To compare your current rates, we recommend you complete the form with the insurance coverages identical to your current policy. Using the same limits helps guarantee you’re receiving a price comparison for the exact same coverage.

How to lower your insurance prices

Many factors are part of the calculation when quoting car insurance. Some are obvious like an MVR report, but some are not quite as obvious such as whether you are married or your vehicle rating. One of the most helpful ways to save on insurance is to to have a grasp of some of the factors that help calculate the level of your policy premiums. When you understand what controls the rates you pay, this empowers consumers to make smart changes that can earn you lower insurance prices.

  • The higher your credit rating the lower your prices – Having a bad credit score factor in determining what you pay for insurance. People with good credit tend to be better risks to insure than drivers who have lower ratings. So if your credit rating is not that good, you could be paying less to insure your 2019 Dodge Charger by taking the time to improve your credit score.
  • Lower rates for married couples – Getting married may earn you lower rates when buying insurance. Having a significant other translates into being more responsible it has been statistically shown that married drivers get in fewer accidents.
  • Filing insurance claims can cost you – Car insurance companies give cheaper rates to drivers who are not frequent claim filers. If you tend to file frequent claims, you can definitely plan on much higher rates or policy non-renewal. Insurance coverage is designed for claims that you cannot pay yourself.
  • Does auto insurance cost more for men? – The statistics show women tend to be less risk to insure than men. The data does not necessarily mean that females are better drivers. Men and women tend to get into accidents at about the same rate, but males have accidents that have higher claims. Not only are claims higher, but men get cited for more serious violations such as driving while intoxicated (DWI) or driving recklessly. Male teenagers generally have the highest accident percentage so it costs more to insure them.
  • Choose high NHTSA crash test ratings and save – Safe vehicles get lower rates. Safer cars help reduce the chance of injuries in an accident and lower rates of occupant injuries means less claims paid which can result in lower premiums. If your Dodge is rated at a minimum an “acceptable” rating on the Insurance Institute for Highway Safety website you may be receiving a better rate.
  • Do you save by driving less? – The higher the mileage driven annually the more you will pay for insurance. Most companies charge rates determined by how the vehicle is used. Autos not used for work or commuting can get a lower rate than those used for commuting. Ask your agent if your declarations sheet properly reflects the correct usage for each vehicle, because improper ratings can cost you money. Having an incorrect usage rating on your Charger can cost quite a bit.

Tailor your insurance coverage to you

When it comes to buying coverage for your personal vehicles, there isn’t really a perfect coverage plan. Everyone’s needs are different.

For example, these questions may help you determine whether your personal situation will benefit from professional help.

  • Can I get a multi-policy discount?
  • Does my personal policy cover me when driving out-of-state?
  • Does my policy pay for OEM or aftermarket parts?
  • Will my rates increase for filing one claim?
  • Can I afford low physical damage deductibles?
  • Do I need an umbrella policy?
  • Why am I required to buy high-risk coverage?
  • Will filing a claim cost me more?
  • Does medical payments coverage apply to all occupants?

If it’s difficult to answer those questions but a few of them apply, you might consider talking to a licensed insurance agent. To find an agent in your area, take a second and enter your zip code.

Car insurance coverages for a Dodge Charger

Learning about specific coverages of your policy can help you determine which coverages you need and proper limits and deductibles. Policy terminology can be ambiguous and reading a policy is terribly boring.

Uninsured or underinsured coverage

Your UM/UIM coverage protects you and your vehicle when the “other guys” are uninsured or don’t have enough coverage. It can pay for injuries sustained by your vehicle’s occupants as well as damage to your Dodge Charger.

Since many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is very important. Most of the time the UM/UIM limits are similar to your liability insurance amounts.

Medical expense coverage

Coverage for medical payments and/or PIP provide coverage for bills for doctor visits, EMT expenses and hospital visits. They are often used in conjunction with a health insurance program or if there is no health insurance coverage. Coverage applies to all vehicle occupants as well as being hit by a car walking across the street. PIP coverage is not universally available but can be used in place of medical payments coverage

Collision insurance

Collision insurance will pay to fix damage to your Charger caused by collision with another vehicle or an object, but not an animal. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for claims like crashing into a ditch, driving through your garage door, colliding with a tree and backing into a parked car. This coverage can be expensive, so analyze the benefit of dropping coverage from older vehicles. Drivers also have the option to increase the deductible to get cheaper collision coverage.

Liability auto insurance

This coverage protects you from damage or injury you incur to other people or property by causing an accident. This insurance protects YOU against claims from other people, and does not provide coverage for damage sustained by your vehicle in an accident.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show values of 100/300/100 which means a $100,000 limit per person for injuries, a per accident bodily injury limit of $300,000, and a limit of $100,000 paid for damaged property. Alternatively, you may have one number which is a combined single limit that pays claims from the same limit without having the split limit caps.

Liability coverage pays for claims like funeral expenses, legal defense fees and court costs. The amount of liability coverage you purchase is a decision to put some thought into, but buy as high a limit as you can afford.

Comprehensive protection

Comprehensive insurance coverage pays for damage OTHER than collision with another vehicle or object. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers claims such as hail damage, hitting a deer and damage from a tornado or hurricane. The highest amount you can receive from a comprehensive claim is the market value of your vehicle, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

One last thing about your coverage

When you buy car insurance online, you should never sacrifice coverage to reduce premiums. There are many occasions where an insured cut liability coverage limits only to discover later that the small savings ended up costing them much more. Your goal is to purchase a proper amount of coverage at the lowest possible cost while still protecting your assets.

People change insurance companies for a number of reasons such as denial of a claim, high prices, policy cancellation and extreme rates for teen drivers. Whatever your reason, finding the right car insurance provider is pretty simple and you could end up saving a buck or two.

More affordable car insurance can be sourced online as well as from independent agents, and you should be comparing both to have the best rate selection. Some car insurance companies do not provide internet price quotes and usually these regional carriers work with independent insurance agencies.

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