Compare 2023 Dodge Charger Insurance Rates 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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Sick and tired of paying out the nose each month for insurance coverage? Your situation is no different than many other consumers.

Insurance companies such as Progressive, GEICO and Farmers Insurance increase brand awareness with fancy advertisements and it is difficult to separate fact from fiction and take the time to shop coverage around.

It’s smart to do rate comparisons on a regular basis since insurance prices are constantly changing. Even if you think you had the lowest rate on Charger coverage six months ago there is a good chance you can find better premium rates now. Forget anything you know (or think you know) about insurance coverage because you’re about to learn the right way to save on insurance coverage.

If you currently have car insurance, you stand a good chance to be able to cut costs considerably using this strategy. Buying car insurance is not that difficult. But car owners need to have an understanding of how companies sell online and use this information to your advantage.

The best way to compare car insurance rates is to take advantage of the fact auto insurance companies participate in online systems to give rate comparisons. The only thing you need to do is provide a small amount of information including if you are currently licensed, deductibles desired, whether you are married, and daily mileage. Your insurance information is instantly submitted to many highly-rated insurers and you will get price comparisons within a short period of time.

If you wish to get multiple quotes for your 2023 Dodge Charger now, click here and enter the information requested.

Discount insurance quotes

Insurance is neither fun to buy or cheap, but there are discounts available that you may not even know about. Certain discounts will be applied when you get a quote, but a few must be specially asked for in order for you to get them.

  • Discount for Good Grades – Getting good grades can save 20 to 25%. Most companies allow this discount up to age 25.
  • Driving Data Discount – Insureds that choose to allow companies to analyze where and when they drive through the use of a telematics system such as Drivewise from Allstate or Snapshot from Progressive may get a rate reduction if they show good driving skills.
  • Passive Restraint Discount – Cars that have air bags and/or automatic seat belt systems may earn rate discounts of more than 20%.
  • Multi-Vehicle Discounts – Having primary and secondary vehicles with the same company can reduce rates for all insured vehicles.
  • Senior Citizen Discount – Mature drivers may receive a small discount on rates on Charger coverage.
  • Organization Discounts – Affiliation with qualifying employment or professional organizations could earn you a nice discount when shopping for insurance.

As is typical with insurance, most discounts do not apply to your bottom line cost. Most cut individual premiums such as comp or med pay. So even though you would think it’s possible to get free car insurance, it just doesn’t work that way.

A list of companies and a selection of discounts are detailed below.

  • State Farm offers premium reductions for good student, passive restraint, defensive driving training, multiple autos, accident-free, multiple policy, and anti-theft.
  • Esurance offers discounts for safety device, multi-car, emergency road assistance, online quote, and claim free.
  • Progressive discounts include multi-policy, online signing, online quote discount, good student, and multi-vehicle.
  • Liberty Mutual has savings for multi-car, new graduate, newly married, exclusive group savings, and multi-policy.
  • Auto-Owners Insurance has discounts for paperless, anti-lock brakes, multiple vehicles, safe vehicle, and good student.
  • GEICO may include discounts for five-year accident-free, air bags, anti-theft, emergency military deployment, defensive driver, federal employee, and driver training.

It’s a good idea to ask every company the best way to save money. Some of the discounts discussed earlier might not be offered on policies in your area. If you would like to choose from a list of providers with discount insurance rates, enter your zip code here.

Tailor your insurance coverage coverage to you

When it comes to choosing coverage for your vehicles, there is no one size fits all plan. Everyone’s situation is a little different and a cookie cutter policy won’t apply. These are some specific questions can aid in determining whether or not you might need an agent’s assistance.

  • Do I need PIP (personal injury protection) coverage in my state?
  • What should my uninsured motorist coverage limits be in my state?
  • What if I owe more than I can insure my car for?
  • How much liability insurance is required?
  • Am I getting all the discounts available?
  • Is my teenager covered with friends in the car?

If you’re not sure about those questions but you think they might apply to your situation then you might want to talk to an agent. To find an agent in your area, take a second and enter your zip code.

Insurance coverage specifics

Knowing the specifics of your policy helps when choosing appropriate coverage and proper limits and deductibles. The terms used in a policy can be ambiguous and coverage can change by endorsement. Below you’ll find typical coverage types offered by insurance companies.

Medical costs insurance – Med pay and PIP coverage pay for immediate expenses for chiropractic care, nursing services, dental work and funeral costs. They can be utilized in addition to your health insurance policy or if you lack health insurance entirely. Coverage applies to not only the driver but also the vehicle occupants as well as being hit by a car walking across the street. PIP is not an option in every state but can be used in place of medical payments coverage

Comprehensive or Other Than Collision – This pays for damage OTHER than collision with another vehicle or object. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for claims such as a broken windshield, hitting a deer, theft and rock chips in glass. The most your insurance company will pay is the actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

UM/UIM Coverage – Your UM/UIM coverage gives you protection from other motorists when they either have no liability insurance or not enough. This coverage pays for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Since a lot of drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is very important.

Collision coverage – Collision insurance will pay to fix damage to your Charger from colliding with an object or car. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for claims such as hitting a mailbox, sustaining damage from a pot hole and backing into a parked car. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Another option is to raise the deductible in order to get cheaper collision rates.

Auto liability – Liability coverage will cover injuries or damage you cause to people or other property that is your fault. This insurance protects YOU from legal claims by others. It does not cover your injuries or vehicle damage.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have policy limits of 100/300/100 which stand for a $100,000 limit per person for injuries, a total of $300,000 of bodily injury coverage per accident, and $100,000 of coverage for damaged property.

Liability coverage protects against things like repair bills for other people’s vehicles, loss of income, pain and suffering, bail bonds and legal defense fees. How much coverage you buy is your choice, but consider buying higher limits if possible.

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