Lower Your 2022 Dodge Charger Car Insurance Rates in 2024

Enter your zip code below to view companies that have cheap auto insurance rates.

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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Want better insurance coverage rates for your Dodge Charger? Getting discount insurance coverage may be intimidating for consumers that are not comfortable with quoting and comparing rates on the web. With such a large number of agents and insurance companies available, how are consumers expected to efficiently compare every insurance coverage company to find the lowest price available?

You should make it a habit to get comparison quotes once or twice a year because insurance rates are adjusted regularly by insurance companies. Just because you had the best premium rates for Charger coverage six months ago you will most likely find a better price today. Forget all the misinformation about insurance coverage because we’re going to show you the only way to find better rates and still maintain coverage.

How to get free insurance coverage quotes online

When shopping for the cheapest car insurance quotes, there are a couple of ways to compare prices from many insurance coverage companies in your state. By far the easiest way to do a complete rate comparison is to jump online and get quotes. This can be done in just a few minutes using one of these methods.

The fastest and easiest way to compare a lot of rates at once is a comparison rater form. This quick form keeps you from doing separate quotes to each individual insurance coverage company. One simple form gets insurance cost estimates instantly. It’s the fastest way to compare.

A harder way to obtain and compare quotes online is to take the time to go to the website for each individual company and fill out their own quote form. For examples sake, let’s assume you need rates from Liberty Mutual, Esurance and State Farm. You would be required to navigate to each company’s site to enter the same coverage data repeatedly, which is why first method is recommended.

The last way of comparing rate quotes is to drive around to all the different insurance agencies. Comparing rates online has reduced the need for local agents unless you have a complicated situation and need the trained guidance of a local agency. Some companies do allow you to obtain prices from the web but have your policy serviced through an agent.

It doesn’t matter which method you choose, just try to use identical coverages and limits with every price quote. If each company quotes different data you will not be able to make an equal comparison. Slightly different coverages may result in large price differences. And when price shopping your coverage, comparing more quotes will enable you to find a better price.

More affordable rates by getting discounts

Insuring your fleet can be pricey, but you may find discounts that could help you make your next renewal payment. Many discounts should be triggered at quote time, but once in a while a discount must be requested specifically before you get the savings.

  • Safety Course Discount – Successfully completing a class that teaches defensive driving techniques could cut 5% off your bill depending on where you live.
  • Safe Driver Discount – Insureds who avoid accidents could pay up to 40% less for Charger coverage than drivers with accidents.
  • Anti-lock Brakes – Vehicles with ABS braking systems or traction control prevent accidents so you can save 10 percent or more.
  • Accident Free – Insureds who avoid accidents and claims get the best auto insurance rates as opposed to policyholders that have many claims.
  • Clubs and Organizations – Joining a professional or civic organization can get you a small discount when getting a car insurance quote.

You can save money using discounts, but some of the credits will not apply to your bottom line cost. Most only reduce specific coverage prices like comp or med pay. Even though it appears having all the discounts means you get insurance for free, auto insurance companies aren’t that generous.

A list of companies and their possible discounts are detailed below.

  • State Farm may offer discounts for Drive Safe & Save, passive restraint, student away at school, Steer Clear safe driver discount, safe vehicle, good driver, and driver’s education.
  • Nationwide may have discounts that include easy pay, accident-free, anti-theft, family plan, defensive driving, and multi-policy.
  • GEICO offers discounts including anti-theft, military active duty, federal employee, anti-lock brakes, seat belt use, and emergency military deployment.
  • AAA policyholders can earn discounts including multi-car, good driver, multi-policy, anti-theft, education and occupation, and pay-in-full.
  • 21st Century discounts include air bags, student driver, homeowners, 55 and older, driver training, and anti-lock brakes.
  • The Hartford may include discounts for good student, air bag, vehicle fuel type, driver training, anti-theft, and defensive driver.

When getting a coverage quote, ask all companies you are considering how you can save money. Some of the earlier mentioned discounts might not be offered in your state. To choose insurance companies who offer cheap auto insurance quotes, enter your zip code here.

Your car insurance coverage should be tailored to you

When choosing adequate coverage, there isn’t really a one size fits all plan. Every situation is different.

Here are some questions about coverages that can aid in determining whether you would benefit from professional advice.

  • Should I file a claim if it’s only slightly more than my deductible?
  • How can I force my company to pay a claim?
  • Is pleasure use cheaper than using my 2022 Dodge Charger to commute?
  • Can my babysitter drive my car?
  • Are all vehicle passengers covered by medical payments coverage?
  • Do I need PIP (personal injury protection) coverage in my state?
  • Do I get a pro-rated refund if I cancel my policy early?
  • Should I get collision insurance on every vehicle?
  • Does my medical payments coverage pay my health insurance deductible?

If you can’t answer these questions but a few of them apply, you may need to chat with an insurance agent. If you want to speak to an agent in your area, fill out your zip code.

Coverage specifics

Having a good grasp of car insurance can be of help when determining appropriate coverage at the best deductibles and correct limits. The coverage terms in a policy can be difficult to understand and nobody wants to actually read their policy.

Liability coverages – Liability coverage will cover damage that occurs to people or other property in an accident. This insurance protects YOU against claims from other people, and does not provide coverage for your own vehicle damage or injuries.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see values of 50/100/50 which means a $50,000 limit per person for injuries, a total of $100,000 of bodily injury coverage per accident, and a limit of $50,000 paid for damaged property. Another option is a combined single limit or CSL which limits claims to one amount rather than limiting it on a per person basis.

Liability can pay for claims like repair costs for stationary objects, court costs and repair bills for other people’s vehicles. How much liability coverage do you need? That is up to you, but you should buy higher limits if possible.

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

Since a lot of drivers carry very low liability coverage limits, their limits can quickly be used up. So UM/UIM coverage is a good idea. Usually these limits are similar to your liability insurance amounts.

Medical payments coverage and PIP – Med pay and PIP coverage provide coverage for bills like chiropractic care, pain medications, X-ray expenses and dental work. The coverages can be used in conjunction with a health insurance policy or if you are not covered by health insurance. They cover both the driver and occupants as well as any family member struck as a pedestrian. Personal Injury Protection is not universally available and may carry a deductible

Comprehensive coverage – This pays to fix your vehicle from damage OTHER than collision with another vehicle or object. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive coverage pays for things such as damage from getting keyed, a broken windshield, damage from flooding, hitting a deer and falling objects. The most your car insurance company will pay is the ACV or actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Collision coverages – Collision insurance will pay to fix damage to your Charger resulting from a collision with a stationary object or other vehicle. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision coverage protects against claims like hitting a parking meter, colliding with a tree, sustaining damage from a pot hole, driving through your garage door and backing into a parked car. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are older. It’s also possible to bump up the deductible to bring the cost down.

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